Multi-currency current account

For opening of a multi-currency current 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.

A non-activated card is delivered to your address and can be used after its activation, as described in the accompanying letter.
The activation differs depending on the card type and the reason for issuing the new card. Therefore, it can be activated in different ways:

• online banking (e-zaba and m-zaba)
• by using ZABA ATM
• by using the automated answering service
• in a branch of Zagrebačka banka.

Your card will be ready for use immediately after the activation.

IMPORTANT: To activate the contactless function, first you have to make at least one conventional transaction by inserting the card into an ATM (it is sufficient to check the account balance) or in a POS device at a point of sale.

A multi-currency 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.

You can manage your funds in all branches of Zagrebačka banka immediately after the multi-currency current account opening, and your debit card will enable you to access the funds in your current 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.

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 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.

Proxies for transaction accounts of individuals can be arranged at the request of the account holder who is personally present in a branch and/or based on a special power of attorney.
Granting a power of attorney in a branch:
A power of attorney for a transaction account can be arranged in any branch which does business with individuals. 
When giving a power of attorney for an account in a branch, both the account holder and the proxy need to be present in order to be identified and sign the power of attorney form.
Special powers of attorney:
Special powers of attorney are certified by a competent body (notary public), foreign competent body, or an authorised person from a diplomatic or consular mission. They can be issued for any purpose, or for performing any action in relation to transaction accounts which must be specified, i.e. listed in the special power of attorney.

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.