Safe card use

• Never leave your card unsupervised (in your car, cloakrooms, your hotel room, restaurants etc.).
• Do not keep your card with your cash.
• Sign a new card as soon as you receive it, and keep it in a safe place.
• Do not let anyone else use your card for transactions.After a payment, verify that the card returned to you is really yours.
• Check the expiry date of your card, and call us if your new card does not arrive on time.
• Adhere to the safety precautions for the use of ATMs or POS devices.
• Perform regular safety checks of the device you use for online shopping (computer, mobile phone) and update its software to enable safe use of cards on the Internet.
• Never tell anyone your card details.Report a lost or stolen card immediately.
• Keep our address and telephone number handy to be able to quickly report a lost or stolen card (01 3789 789, 24/7).     

• Remember the PIN and never write it down on the card or other documents.
• Do not tell your PIN to anyone, including Bank employees and the police.
• Never enter your PIN over the phone.
• When entering your PIN at an ATM or POS, cover the keypad so others do not see it.
• Do not show your token password (OTP – one-time password) or authorization codes (MAC - Message Authentication Code) generated by your token to anyone who contacts you.
• If you suspect that someone knows your PIN and card number, or that someone has used your card without authorization, notify the Bank and police immediately.

• Never leave your card unsupervised when making a transaction.
• By entering your PIN or signing a receipt, you identify yourself at a point of sale.
• When signing a payment receipt, your signature needs to be identical to that on the card and you need to request a copy of the receipt for your records.
• Do not throw away or leave payment receipts in a public place.
• Be sure to check that the amount on the bill is the same as the one on the payment receipt.
• Keep the bill and transaction receipt, and carefully compare the amounts with the ones listed in the received notification of incurred costs.
• If you find an unknown transaction, notify the Bank immediately.

• If an ATM looks suspicious, do not use it.
• Notify the Bank or police.
• Do not pull out suspicious devices from the ATM.
• Avoid using your card at ATMs in the vicinity of a suspicious person.
• Do not allow anyone to distract you when making a transaction, not even if they look like they want to help you.
• Notify the Bank immediately if an ATM keeps your card.
• When entering your PIN at an ATM, cover the keypad.

• Use a mobile phone and desktop or laptop computer protected in accordance with the latest security programs against malware.
• Check the seller before providing your card details over the Internet or over the phone.
• Check the terms and conditions of the online store.
• Carefully read the terms and conditions regarding payment, delivery, complaints and returns.
• For safe online payments using Mastercard and Visa cards issued by Zagrebačka banka, the highest security standards of the leading card companies, Mastercard and Visa, have been introduced.
• Enter your card details only on web pages with protected access – look for "https" at the beginning of the website address and an image of a closed padlock next to the address bar ("s" for secure, and not the usual "http").
• Click on the padlock and check whether the website address corresponds to the company where you want to shop.
• Do not enter your card details on public or shared computers.
• Always sign out after making a purchase and save the confirmation email as proof.

• Write down the following phone number: +385 1 3789 789 to quickly report the theft of loss of a card in case of emergency when travelling outside of Croatia, and +385 1 3789 620 for information on cards.
• Take another card with you, so you do not depend on a single card.Save copies of bills and carefully check transactions when you receive a statement or notification of incurred costs.

• If you think you are a victim of card fraud, contact the Bank at 01 3789 789 or call your banker.