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*
PLN	1	4,523960	4,397120	4,228000	4,058880	3,932040	3,932040	3,932040
AUD	1	1,851002	1,840384	1,769600	1,698816	1,688198	1,688198	1,688198
CAD	1	1,694572	1,686464	1,621600	1,556736	1,548628	1,548628	1,548628
CNY	1		8,557848	8,228700	7,899552
CZK	1	25,561595	25,198160	24,229000	23,259840	22,896405	22,896405	22,896405
DKK	1		7,765784	7,467100	7,168416
HKD	1		9,346636	8,987150	8,627664
HUF	1	408,153000	400,452000	385,050000	369,648000	361,947000	361,947000	361,947000
JPY	1	187,791120	186,357600	179,190000	172,022400	170,588880	170,588880	170,588880
NOK	1		12,115480	11,649500	11,183520
SGD	1		1,567280	1,507000	1,446720
SEK	1		11,377080	10,939500	10,501920
CHF	1	0,967550	0,962000	0,925000	0,888000	0,882450	0,882450	0,882450
GBP	1	0,922886	0,917592	0,882300	0,847008	0,841714	0,841714	0,841714
USD	1	1,215480	1,203904	1,157600	1,111296	1,099720	1,099720	1,099720
RSD	1	123,081000	121,908800		112,531200	111,359000	111,359000	111,359000
RON	1		5,287776	5,084400	4,881024
BAM	1	2,043842	2,034063	1,955830	1,877597	1,867818	1,867818	1,867818

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
PLN	3,932040	3,932040
AUD	1,688198	1,688198
CAD	1,548628	1,548628
CNY
CZK	22,896405	22,896405
DKK
HKD
HUF	361,947000	361,947000
JPY	170,588880	170,588880
NOK
SGD
SEK
CHF	0,882450	0,882450
GBP	0,841714	0,841714
USD	1,099720	1,099720
RSD	111,359000	111,359000
RON
BAM	1,867818	1,867818

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