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	1,677832	1,664926	1,613300	1,561674	1,548768	1,548768	1,548768
CNY	1		8,715824	8,380600	8,045376
CZK	1	25,679850	25,312995	24,457000	23,601005	23,234150	23,234150	23,234150
DKK	1		7,696003	7,464600	7,233197
HKD	1		9,468680	9,104500	8,740320
HUF	1	417,322000	409,448000	393,700000	377,952000	370,078000	370,078000	370,078000
JPY	1	180,094810	178,713450	172,670000	166,626550	165,245190	165,245190	165,245190
NOK	1		12,297768	11,928000	11,558232
SGD	1		1,558596	1,498650	1,438704
SEK	1		11,503898	11,158000	10,812102
CHF	1	0,979477	0,970068	0,940900	0,911732	0,902323	0,902323	0,902323
GBP	1	0,899424	0,890784	0,864000	0,837216	0,828576	0,828576	0,828576
USD	1	1,219601	1,209087	1,168200	1,127313	1,116799	1,116799	1,116799
RSD	1	123,044565	121,872712		112,497888	111,326035	111,326035	111,326035
RON	1		5,261048	5,058700	4,856352
BAM	1	2,034063	2,018417	1,955830	1,893243	1,877597	1,877597	1,877597
PLN	1	4,541936	4,414592	4,244800	4,075008	3,947664	3,947664	3,947664
AUD	1	1,873175	1,856981	1,799400	1,741819	1,725625	1,725625	1,725625

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	1,548768	1,548768
CNY
CZK	23,234150	23,234150
DKK
HKD
HUF	370,078000	370,078000
JPY	165,245190	165,245190
NOK
SGD
SEK
CHF	0,902323	0,902323
GBP	0,828576	0,828576
USD	1,116799	1,116799
RSD	111,326035	111,326035
RON
BAM	1,877597	1,877597
PLN	3,947664	3,947664
AUD	1,725625	1,725625

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