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	1,625520	1,613016	1,563000	1,512984	1,500480	1,500480	1,500480
CNY	1		8,516664	8,189100	7,861536
CZK	1	25,994850	25,623495	24,757000	23,890505	23,519150	23,519150	23,519150
DKK	1		7,690745	7,459500	7,228256
HKD	1		9,299732	8,942050	8,584368
HUF	1	427,339000	419,276000	403,150000	387,024000	378,961000	378,961000	378,961000
JPY	1	171,698660	170,381700	164,620000	158,858300	157,541340	157,541340	157,541340
NOK	1		11,881244	11,524000	11,166756
SGD	1		1,526200	1,467500	1,408800
SEK	1		11,298729	10,959000	10,619271
CHF	1	0,976770	0,967387	0,938300	0,909213	0,899830	0,899830	0,899830
GBP	1	0,877147	0,868721	0,842600	0,816479	0,808053	0,808053	0,808053
USD	1	1,191308	1,181039	1,141100	1,101162	1,090892	1,090892	1,090892
RSD	1	123,033015	121,861272		112,487328	111,315585	111,315585	111,315585
RON	1		5,245344	5,043600	4,841856
BAM	1	2,034063	2,018417	1,955830	1,893243	1,877597	1,877597	1,877597
PLN	1	4,587090	4,458480	4,287000	4,115520	3,986910	3,986910	3,986910
AUD	1	1,831327	1,815494	1,759200	1,702906	1,687073	1,687073	1,687073

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	1,500480	1,500480
CNY
CZK	23,519150	23,519150
DKK
HKD
HUF	378,961000	378,961000
JPY	157,541340	157,541340
NOK
SGD
SEK
CHF	0,899830	0,899830
GBP	0,808053	0,808053
USD	1,090892	1,090892
RSD	111,315585	111,315585
RON
BAM	1,877597	1,877597
PLN	3,986910	3,986910
AUD	1,687073	1,687073

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