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	4,606136	4,476992	4,304800	4,132608	4,003464	4,003464	4,003464
AUD	1	1,694332	1,679683	1,627600	1,575517	1,560868	1,560868	1,560868
CAD	1	1,563224	1,551199	1,503100	1,455001	1,442976	1,442976	1,442976
CNY	1		8,049080	7,739500	7,429920
CZK	1	26,582850	26,203095	25,317000	24,430905	24,051150	24,051150	24,051150
DKK	1		7,690435	7,459200	7,227965
HKD	1		8,841976	8,501900	8,161824
HUF	1	424,424000	416,416000	400,400000	384,384000	376,376000	376,376000	376,376000
JPY	1	169,852550	168,549750	162,850000	157,150250	155,847450	155,847450	155,847450
NOK	1		12,157552	11,792000	11,426448
SGD	1		1,486576	1,429400	1,372224
SEK	1		11,717831	11,365500	11,013170
CHF	1	0,977811	0,968418	0,939300	0,910182	0,900789	0,900789	0,900789
GBP	1	0,871171	0,862803	0,836860	0,810917	0,802549	0,802549	0,802549
USD	1	1,141301	1,131462	1,093200	1,054938	1,045099	1,045099	1,045099
RSD	1	122,876250	121,706000		112,344000	111,173750	111,173750	111,173750
RON	1		5,174780	4,975750	4,776720
BAM	1	2,034063	2,018417	1,955830	1,893243	1,877597	1,877597	1,877597

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	4,003464	4,003464
AUD	1,560868	1,560868
CAD	1,442976	1,442976
CNY
CZK	24,051150	24,051150
DKK
HKD
HUF	376,376000	376,376000
JPY	155,847450	155,847450
NOK
SGD
SEK
CHF	0,900789	0,900789
GBP	0,802549	0,802549
USD	1,045099	1,045099
RSD	111,173750	111,173750
RON
BAM	1,877597	1,877597

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