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*
CAD	1	1,667716	1,659736	1,595900	1,532064	1,524085	1,524085	1,524085
CNY	1		8,204560	7,889000	7,573440
CZK	1	25,659710	25,294880	24,322000	23,349120	22,984290	22,984290	22,984290
DKK	1		7,772128	7,473200	7,174272
HKD	1		9,444344	9,081100	8,717856
HUF	1	382,978000	375,752000	361,300000	346,848000	339,622000	339,622000	339,622000
JPY	1	193,335040	191,859200	184,480000	177,100800	175,624960	175,624960	175,624960
NOK	1		11,194560	10,764000	10,333440
SGD	1		1,544296	1,484900	1,425504
SEK	1		11,312600	10,877500	10,442400
CHF	1	0,958659	0,953160	0,916500	0,879840	0,874341	0,874341	0,874341
GBP	1	0,905365	0,900172	0,865550	0,830928	0,825735	0,825735	0,825735
USD	1	1,218000	1,206400	1,160000	1,113600	1,102000	1,102000	1,102000
RSD	1	123,287378	122,113212		112,719888	111,545723	111,545723	111,545723
RON	1		5,440864	5,231600	5,022336
BAM	1	2,043842	2,034063	1,955830	1,877597	1,867818	1,867818	1,867818
PLN	1	4,552850	4,425200	4,255000	4,084800	3,957150	3,957150	3,957150
AUD	1	1,701947	1,692184	1,627100	1,562016	1,552253	1,552253	1,552253

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
CAD	1,524085	1,524085
CNY
CZK	22,984290	22,984290
DKK
HKD
HUF	339,622000	339,622000
JPY	175,624960	175,624960
NOK
SGD
SEK
CHF	0,874341	0,874341
GBP	0,825735	0,825735
USD	1,102000	1,102000
RSD	111,545723	111,545723
RON
BAM	1,867818	1,867818
PLN	3,957150	3,957150
AUD	1,552253	1,552253

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