Exchange rate list

		Buy for cash and checks		Buying rate		Middle rate	Selling rate		Selling for cash and checks
Currency	Unit	Rate	ESB mark-up*	Rate	ESB mark-up*	Rate	Rate	ESB mark-up*	Rate	ESB mark-up*
CZK	1	25,914000	25,543800	24,680000	23,816200	23,446000	23,446000	23,446000
AUD	1	1,867034	1,850892	1,793500	1,736108	1,719967	1,719967	1,719967
CAD	1	1,671904	1,659043	1,607600	1,556157	1,543296	1,543296	1,543296
PLN	1	4,541401	4,414072	4,244300	4,074528	3,947199	3,947199	3,947199
BAM	1	2,034063	2,018417	1,955830	1,893243	1,877597	1,877597	1,877597
RSD	1	123,019470	121,847856		112,474944	111,303330	111,303330	111,303330
RON	1		5,274464	5,071600	4,868736
USD	1	1,232964	1,222335	1,181000	1,139665	1,129036	1,129036	1,129036
GBP	1	0,894011	0,885423	0,858800	0,832177	0,823589	0,823589	0,823589
SEK	1		11,504929	11,159000	10,813071
CHF	1	0,970628	0,961304	0,932400	0,903496	0,894172	0,894172	0,894172
SGD	1		1,561352	1,501300	1,441248
NOK	1		12,211680	11,844500	11,477321
JPY	1	175,954100	174,604500	168,700000	162,795500	161,445900	161,445900	161,445900
HKD	1		9,635392	9,264800	8,894208
HUF	1	423,130800	415,147200	399,180000	383,212800	375,229200	375,229200	375,229200
DKK	1		7,691982	7,460700	7,229418
CNY	1		8,790080	8,452000	8,113920

Zagrebačka banka d.d. is authorized to change the exchange rate list and/or suspend trading in any currency from the exchange rate list at any time.

*ECB margin is reported in accordance with EU Regulation 2021/1230. It is a fee for currency conversion that is obtained by comparing the exchange rate used by the Bank for conversion from the original currency of the transaction to euros to the exchange rate reported by the European Central Bank (ECB) for that transaction currency. Given that the currencies of the European Economic Area BGN (Bulgarian lev), ISK (Icelandic krona) and RON (Romanian leu) are not listed on the Exchange Rate List for card transactions of Zagrebačka banka, the ECB margin for these currencies is shown below. It is obtained by the exchange rates used by Mastercard and Visa card payment schemes for conversion from the original transaction currency to euros, which are put in relation to the exchange rate reported by the ECB for that transaction currency.

Currency	% ESB margin for Mastercard transactions	% ESB margin for Visa transactions
CZK	23,446000	23,446000
AUD	1,719967	1,719967
CAD	1,543296	1,543296
PLN	3,947199	3,947199
BAM	1,877597	1,877597
RSD	111,303330	111,303330
RON
USD	1,129036	1,129036
GBP	0,823589	0,823589
SEK
CHF	0,894172	0,894172
SGD
NOK
JPY	161,445900	161,445900
HKD
HUF	375,229200	375,229200
DKK
CNY

The amount of the margin is updated on working days of the TARGET system around 16:00 and is reported only for currencies from the exchange rate list for card transactions related to the countries of the European Economic Area.

Previous exchange rate lists