Multi-currency giro account

A multi-currency giro current account can be activated by any natural person in accordance with the Transaction service agreement.

Persons lacking legal capacity (minors and adults lacking legal capacity) can open a multi-currency current account through their legal representative/guardian, regardless of the Transaction service agreement.

For opening of a multi-currency giro account, 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. The account may be opened in any branch of Zagrebačka banka.

You can manage your funds in all branches of Zagrebačka banka immediately after the multi-currency giro account opening, and debit card will enable you to access the funds in your multi-currency giro account in a simple and quick way, 24 hours a day.
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 multi-currency account is intended for natural persons for inflows from abroad on the basis of a service which does not require registration.

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

For transactions made using a debit card in Croatia or abroad, your account will be debited exclusively in EUR, regardless of the payment currency or currencies in your account. If there are not enough funds or there are not enough funds in EUR, the account will be debited in other available currencies (considering the currency numeric codes in the Bank´s exchange rate list). The conversion of these currencies will be conducted in EUR. The buying and selling rate of the currency on the day for debiting an account will be applied without additional charges.

For transactions made using a debit card in Croatia or abroad your multi-currency account will be debited exclusively in EUR, regardless of the currency you have paid in or currencies on your account. If there are not enough funds or there are not enough funds in EUR, the account will be debited in other available currencies (considering the currency numeric code in the Bank´s exchange rate). The conversion of these currencies will be conducted in EUR using the exchange rate list for card transactions. The buying and selling rate of the currency on the day for debiting an account will be applied without additional charges for the conversion.

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.