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*
USD	1	1,133784	1,124010	1,086000	1,047990	1,038216	1,038216	1,038216
RSD	1	122,922503	121,751812		112,386288	111,215598	111,215598	111,215598
RON	1		5,170204	4,971350	4,772496
BAM	1	2,034063	2,018417	1,955830	1,893243	1,877597	1,877597	1,877597
AUD	1	1,723792	1,708889	1,655900	1,602911	1,588008	1,588008	1,588008
CAD	1	1,560936	1,548929	1,500900	1,452871	1,440864	1,440864	1,440864
CNY	1		8,188596	7,873650	7,558704
CZK	1	26,638500	26,257950	25,370000	24,482050	24,101500	24,101500	24,101500
DKK	1		7,693941	7,462600	7,231259
HKD	1		8,818576	8,479400	8,140224
HUF	1	414,407000	406,588000	390,950000	375,312000	367,493000	367,493000	367,493000
JPY	1	175,057120	173,714400	167,840000	161,965600	160,622880	160,622880	160,622880
NOK	1		12,307047	11,937000	11,566953
SGD	1		1,516736	1,458400	1,400064
SEK	1		12,096208	11,732500	11,368793
CHF	1	0,998735	0,989141	0,959400	0,929659	0,920065	0,920065	0,920065
GBP	1	0,878375	0,869937	0,843780	0,817623	0,809185	0,809185	0,809185
PLN	1	4,573180	4,444960	4,274000	4,103040	3,974820	3,974820	3,974820

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
USD	1,038216	1,038216
RSD	111,215598	111,215598
RON
BAM	1,877597	1,877597
AUD	1,588008	1,588008
CAD	1,440864	1,440864
CNY
CZK	24,101500	24,101500
DKK
HKD
HUF	367,493000	367,493000
JPY	160,622880	160,622880
NOK
SGD
SEK
CHF	0,920065	0,920065
GBP	0,809185	0,809185
PLN	3,974820	3,974820

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