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*
BAM	1	2,034063	2,018417	1,955830	1,893243	1,877597	1,877597	1,877597
RSD	1	123,053805	121,881864		112,506336	111,334395	111,334395	111,334395
RON	1		5,277480	5,074500	4,871520
USD	1	1,190578	1,180314	1,140400	1,100486	1,090222	1,090222	1,090222
GBP	1	0,902027	0,893362	0,866500	0,839639	0,830974	0,830974	0,830974
SEK	1		11,543592	11,196500	10,849409
CHF	1	0,969379	0,960067	0,931200	0,902333	0,893021	0,893021	0,893021
SGD	1		1,549340	1,489750	1,430160
NOK	1		12,178997	11,812800	11,446603
JPY	1	178,989230	177,616350	171,610000	165,603650	164,230770	164,230770	164,230770
HUF	1	424,159000	416,156000	400,150000	384,144000	376,141000	376,141000	376,141000
HKD	1		9,439508	9,076450	8,713392
CZK	1	25,817400	25,448580	24,588000	23,727420	23,358600	23,358600	23,358600
DKK	1		7,694250	7,462900	7,231550
AUD	1	1,848400	1,832419	1,775600	1,718781	1,702800	1,702800	1,702800
CNY	1		8,648848	8,316200	7,983552
CAD	1	1,645488	1,632830	1,582200	1,531570	1,518912	1,518912	1,518912
PLN	1	4,574785	4,446520	4,275500	4,104480	3,976215	3,976215	3,976215

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
BAM	1,877597	1,877597
RSD	111,334395	111,334395
RON
USD	1,090222	1,090222
GBP	0,830974	0,830974
SEK
CHF	0,893021	0,893021
SGD
NOK
JPY	164,230770	164,230770
HUF	376,141000	376,141000
HKD
CZK	23,358600	23,358600
DKK
AUD	1,702800	1,702800
CNY
CAD	1,518912	1,518912
PLN	3,976215	3,976215

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