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*
RSD	1	123,140535	121,967768		112,585632	111,412865	111,412865	111,412865
RON	1		5,292508	5,088950	4,885392
BAM	1	2,043842	2,034063	1,955830	1,877597	1,867818	1,867818	1,867818
GBP	1	0,922049	0,916760	0,881500	0,846240	0,840951	0,840951	0,840951
USD	1	1,208970	1,197456	1,151400	1,105344	1,093830	1,093830	1,093830
SEK	1		11,439480	10,999500	10,559520
CHF	1	0,972152	0,966576	0,929400	0,892224	0,886648	0,886648	0,886648
SGD	1		1,567176	1,506900	1,446624
NOK	1		12,210120	11,740500	11,270880
JPY	1	190,180560	188,728800	181,470000	174,211200	172,759440	172,759440	172,759440
HKD	1		9,335560	8,976500	8,617440
HUF	1	405,450000	397,800000	382,500000	367,200000	359,550000	359,550000	359,550000
DKK	1		7,767864	7,469100	7,170336
CZK	1	25,508845	25,146160	24,179000	23,211840	22,849155	22,849155	22,849155
AUD	1	1,859056	1,848392	1,777300	1,706208	1,695544	1,695544	1,695544
CAD	1	1,692273	1,684176	1,619400	1,554624	1,546527	1,546527	1,546527
CNY	1		8,527272	8,199300	7,871328
PLN	1	4,528240	4,401280	4,232000	4,062720	3,935760	3,935760	3,935760

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
RSD	111,412865	111,412865
RON
BAM	1,867818	1,867818
GBP	0,840951	0,840951
USD	1,093830	1,093830
SEK
CHF	0,886648	0,886648
SGD
NOK
JPY	172,759440	172,759440
HKD
HUF	359,550000	359,550000
DKK
CZK	22,849155	22,849155
AUD	1,695544	1,695544
CAD	1,546527	1,546527
CNY
PLN	3,935760	3,935760

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