Business Mastercard

You need to arrange one of the following models:

• Credit model
  When using the credit model, a short-term revolving loan is arranged for covering expenses incurred with your card. The card user may pay expenses incurred with the card, which are indicated in the Notification of the Costs Incurred, by individual payments up to the due date, or expenses can be debited against the short-term revolving credit. The card user makes individual payments to settle the outstanding credit amount, regular interest and potential penalty interest.
• Transaction-credit model
  When using the transaction-credit model, a short-term revolving credit is arranged for covering expenses incurred with your card. The card user may pay expenses incurred on the card which are indicated in the Notification of the Costs Incurred by individual payments up to the due date, or expenses can be debited against short-term revolving credit. Upon expiry of the arranged credit repayment period, the outstanding credit amount is automatically debited against the card transaction account opened with the Bank. Regular interest and penalty interest are also automatically debited against the card user’s transaction account opened with the Bank.
• Transaction model
  When using the transaction model, only the spending limit is arranged. On the arranged due date, the expense incurred with the card are automatically debited against the card user’s transaction account opened with the Bank. The potential penalty interest is also automatically debited against the card user’s transaction account opened with the Bank.
  

Yes, a Business Mastercard credit card can be arranged if the business entity meets the prescribed criteria for its approval.

Yes, the payment date may be selected from the 1st to the 28th of the month, as well as the Business Mastercard usage model.

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

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.

Business Mastercard card allows online payments. For your security, for purchases in online stores displaying a Mastercard Secure Code sign you require a password, which you will obtain via m-tokenPS. At points of sale not supporting a security standard, you purchase without a token PS.

Yes, for change or redistribution of limits, please contact your Relationship Manager / banker in charge of small enterprises or sole proprietors.

Yes.

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.

Upon receiving a statement or notification of incurred costs, depending on the card type, please check the accuracy and completeness of the information on transactions immediately. A complaint needs to be filed to the bank in writing right away, and no later than 30 days from the date of the notification of incurred costs, or the day the account is debited, depending on the card type. More information on filing a complaint can be found on the page Tell us or in the Terms and Conditions.

The card user is obliged to report a lost or stolen card immediately. He can do it 24/7 with the Bank stand-by service via tel.  01 3789 789 and confirm the report in writing in the nearest Bank branch. It is also possible to report a lost/stolen card in the branch.

You can read here about safe card use.

In accordance with the personal data protection policy regarding card users, personal data are not stored on the chip, and neither can they be transferred on the terminal upon payment. Cards do not enable the salesperson to access the data on the user's transactions.

As soon as you notice that your card has disappeared, report this immediately to the Bank so that all the necessary measures for preventing misuse could be undertaken in a timely manner. After reporting the disappearance of the card, you are free from any responsibility and protected from financial loss in case of any misuse.

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.