Current account in EUR

A current account in EUR may be activated by any natural person in accordance with the Agreement on Transactions, regardless of whether they have regular incoming payments.

Persons lacking legal capacity (minors and adults lacking legal capacity) may open a current account in EUR through their legal representative/guardian regardless of the Agreement on Transactions.

The account may be opened in any branch of Zagrebačka banka. For its opening, you only need to present a valid identification document (ID card or passport) and an OIB certificate, if it is not listed on the ID.

It is currently not possible to enter into an Transaction service agreement via the mobile app for online banking.

It is very simple - just give the number of your current account in EUR to your employer (ask the Bank to give you an IBAN Certificate which you will give to your employer).

You can dispose of your funds in Zagrebačka banka branches immediately after opening the account, and the debit card enables a quick and easy access to funds in your current account 24/7, at all points of sale and withdrawal in Croatia and abroad as well as online.
You may use the debit card with no fee for cash withdrawal in EUR at ATMs of Zagrebačka banka d.d., for payments at EFT POS points of sale in Croatia and abroad as well as for online payments.

A representative example of a contracted overdraft is shown below:

Note: Fixed interest rate on the used amount of contracted overdraft is calculated on a daily basis, and it is charged quarterly (1 January, 1 April, 1 July, 1 October).

You can decide how you want to use your debit card for the current account in EUR. Define whether you want to use the card at ATMs and points of sale in Croatia, Europe or worldwide, depending on whether you travel outside of Europe. You can choose a model and change it later via online banking, in a Bank branch, or by calling 01 3789 620.

For further information, please call the number 01 3773 333.

The amount of cash you can withdraw at ATMs and/or points of withdrawal depends on the balance of the current account in HRK and card limits.

At specially designated Zagrebačka banka ATMs where you can withdraw cash in EUR, you can withdraw up to EUR 500 a day, with a fee.

Yes, you can use your debit card for payments in online stores which use 3-D secure standard.
Read more about using cards online

Using the card is safer than carrying cash. When using the card for payments or cash withdrawal, you will need to enter a PIN (in certain countries, you may be required to sign the sales receipt). PIN is a secret identification number known only to the card holder. Therefore, it should be kept secret and it should not be written down on a paper near your card.

If you forget your card PIN, and you use online banking, you can check your card PIN any time in our mobile app (m-zaba).

The user is obliged to report a lost or stolen card immediately to the bank’s Contact Centre (24/7) via tel. 01 3789 789 and confirm the report in writing in nearest branch of the bank.

It is also possible to report a lost/stolen card in the nearest bank branch.

Please adhere to the following pieces of advice:

• Remember the PIN and never write it down on the card or other documents
• Destroy the old card (it will suffice to cut it through the magnetic stripe) after the expiration date
• Do not communicate the PIN or card data EVER to ANYONE
• Do not leave the card in visible places (in the car, in a cloakroom, in a hotel room, restaurant, etc.)
• Make sure to check the transaction amount prior to payment
• After the payment, verify that the card returned to you is really yours
• Keep our address and telephone number handy to be able to quickly report a lost or stolen card.