Business Mastercard Plus

Business Mastercard Plus card for sole proprietors, entrepreneurs and independent professions is a convenient method of payment in any situation.
Business Mastercard Plus card enables:

one-off deferred payment of goods or services, without interest or fees
secure on line payment
cash withdrawal at ATMs and other payment locations in Croatia and abroad
instalment payment at particular points of sale, with a fee
adding a card to a digital wallet (e.g. Google Pay, Garmin Pay)

Benefits

Separation of business and personal costs
Deferred payment of travel costs of employees and all other incurred costs
Defining spending limits for individual end users
Financing working capital in accordance with the cycles of collection of accounts receivable
Accepted world-wide
Convenient when paying any business cost in any situation

Safe card use

Conditions

The card can be arranged by any legal or natural person performing a registered activity, with a seat in the Republic of Croatia, or a foreign business entity in accordance with the Foreign Exchange Act, if they meet the requirements of creditworthiness in accordance with the internal documents of the Bank regarding card issuance and limit approval.

Required documents

Application Form for Card Issuance
Financial and other documents at the request of the Bank

Price

Registration fee:

for users of account packages for small enterprises (Poduzetnik and Partner) no fee
for users of the account package for small enterprises (Start) a one-off payment of 33,18 EUR
for others a one-off payment of 66,36 EUR

Membership fee per card:

for users of the account package for small enterprises (Partner) no fee
for users of the account package for small enterprises (Poduzetnik) 13,27 EUR per year
for others 26,54 EUR per year

Instalment payment fee:

2-3 instalments 0.6% of the instalment amount
4-6 instalments 1% of the instalment amount
7-9 instalments 1.5% of the instalment amount
10-12 instalments 2% of the instalment amount
13-24 instalments 4% of the instalment amount

Check the exchange rate for card transactions

Arrangement

Yes.

No, the payment date is on the 25th of the month and it cannot be changed.

Yes, the number of end users is unlimited. The spending limits for individual users should be defined on the application form.

Activation

The card is delivered to the address of the business entity inactivate and may be used after activation as described in the letter accompanying the card. Activation differs depending on the card type and the reason for issuing the new card. Therefore, activation will be possible using particular channels, such as online banking for business entities or IVR, as well as by visiting a branch or the business or corporate centre of Zagrebačka banka.

Your card is ready for use immediately after activation.

Use

You can pay online with Business Mastercard cards. For your security, you need a password for shopping in webshops marked with the Mastercard Secure Code symbol, which you will receive via the PS m-token. At sales points that do not support the security standard, you buy without confirmation with the m-token PS.

All costs incurred with end user cards are indicated in the Notification of the Costs Incurred that the Bank sends to the primary card user on a monthly basis to the address of the business entity. In addition, all information on costs, available card limits and the loan balance is available on e-zabaPS (for business entities).

The payment date, the 25th of the month, cannot be changed. The payment date is 20 days after the Notification of Incurred Costs is made.

To receive a new business card PIN, you need to contact your Relationship Manager or banker in charge of small enterprises and sole proprietors in business or corporate centres.

You can check your card PIN in m-zaba for business banking if you have arranged that service.

The total amount of withdrawal per Business Mastercard Plus cards for users of a particular business entity is limited to 1.400 EUR a month.

Security

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.

You can read here about safe card use.

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.

THINGS YOU SHOULD SEE... Contact me

Zagrebačka banka will process the personal data entered in the form below for the purpose of arranging a meeting in one of its branches and will keep them for 30 days. We suggest that you enter your OIB, so the banker could prepare the best financial offers based on the available data.
Read more in the Information on Personal Data Processing.

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