Online banking puts you in control of your finances. Pay your bills, get a cash loan or credit card, change or arrange a product package and schedule an appointment.
I WANT TO ARRANGE
- Functionalities
- How to get m-zaba
- Download the app
- Do you need assistance?
3 months free
of charge!*
NEW: Check your borrowing options in just a few steps!
- Are you thinking about contracting a loan, but before contracting it, you are interested in knowing whether you are creditworthy for the desired amount?
- Select Products>My borrowing options in m-zaba and find out the informative calculation of your cash or housing loan!
Get a cash loan* in just a few steps, now also via video meeting.
- Get a loan of up to EUR 15,000 without having to go to the bank.
- Initiate the process of arranging a loan up to EUR 40,000.
- With a fixed interest rate for the entire repayment period for a cash loan
*Representative example: With a fixed interest rate of 6.09% a year, a repayment term of 84 months with repayment in annuities, the account maintenance fee in euro for one month included, and with life insurance for loan repayment, exclusive of a loan processing fee, the effective interest rate for a EUR 10,000 loan is 7.64%. The monthly annuity is EUR 146.53, and the total amount payable by the client is EUR 12,779.57. The interest rate applies to repayment terms above 60 months.
Contract a credit card and subsequently divide the cost into installments
- Through m-zaba, contract Mastercard Standard, Platinum or go!card*
- For Mastercard credit card users, take advantage of the subsequent splitting of one-time transactions into installments, for a fee**.
Note: The procedure through m-zaba is available to clients with exemplary business relationship who receive income to a Zaba account. Clients who will be required to provide proof of income or have employment status that will render them ineligible for the m-zaba procedure will be redirected to a branch office. *Representative example: with a fixed interest rate of 6.95% annually, the arranged repayment method of 36 instalments and no loan processing fees, the effective interest rate for the approved revolving loan of EUR 700 is 7.19%. The monthly repayment ranges from EUR 19.55 to 23.58, with the amount you will pay totalling EUR 775.16. ** Transactions that can be subsequently divided are specially marked in m-zaba, for transactions in amounts from EUR 26 to a maximum of EUR 535 with a fee of EUR 1.32 per installment.
New functionalities in m-zaba!
- From now on, you can use m-zaba to quickly and safely send money abroad.
- Download a queue ticket for the queue in the branch office in m-redomat and longer waiting becomes a thing of the past.
- We made it possible for you to login in m-token using fingerprint or face scan.
Pay your bills, transfer money and buy top-ups!
- m-photo pay – Scan and pay your bills in just a few steps.
- IziPay – Send and receive money by selecting contacts from your phone book.
- Buy mobile phone and PlayStation top ups or top up the ENC device of the Croatian highways.
USING M-ZABA SAFELY
CHECK THE FULL LIST OF M-ZABA SERVICES
*Clients who are contracting m-zaba for the first time or who have not contracted m-zaba in the last 12 months are exempt from paying the fee for contracting/activating and using m-zaba during the first 3 months of use. Visually impaired and blind people do not pay a fee for contracting/activating and using m-zaba.
How to get m-zaba?
1
Arrangement
You can arrange m-zaba in any Zaba branch.
Arrange a meeting
2
Installation
Download the application via the Google Play, the App Store or the App Gallery:
3
Activation
After you download the app, you need to activate it by entering the identification and activation keys. After that, you need to choose a PIN for the future use of m-banking and m-token.
NEW: Become a client of Zaba - digitally!
- Still not a client of Zaba? Download the m-zaba application, contract a package of accounts and services and enjoy the advantages of digital banking.
Are there any technical requirements to use the m-zaba?
To use m-zaba, you need a mobile device with Internet access, enough available memory to store the application and a specific operating system:
- iOS with minimum version 12.0, and recommended 15.0 or later
- Android with minimum prerequisite version 9.0, and recommended 13.0 or later
m-zaba cannot work on versions of operating systems lower than the minimum, and the full functionality of m-zaba on versions lower than the recommended ones depends on the specific settings of the manufacturers of individual mobile device models.
m-zaba is available to you on all mobile networks and from any place where you can establish communication with your mobile device.
How to get m-zaba?
You need to:
- arrange the service
- install the m-zaba application on your mobile device
- activate the application.
Where can I arrange m-zaba?
You can contract the service in a branch.
Why can’t I download the application?
Please make sure that the mobile data on your mobile device are turned on.
How will I Install the application on my mobile device?
Depending on which mobile device you are using, open the Apple Store, Google Play Store or App Gallery. By selecting the magnifying glass icon, enter the name of the application "m-zaba". When the required application appears, first select it in the search result and click on "Install".
How will I activate m-zaba after I downloading the application to my mobile device?
After downloading the application, activate it by entering the identification and activation key.After entering the identification and activation key, it is necessary to enter and confirm the PIN that you will use when working with m-zaba.
You create the PIN yourself, it should be known to you only and we recommend that you keep it secret.
What if I deleted m-zaba from my mobile device ?
If you deleted m-zuba from your mobile device, changed your mobile device or locked the application, you need new identification and activation keys. Request them by calling 01 3789 785 or in the branch.
How to transfer m-zaba to a new device?
In case you want to use an already activated m-zaba on a mobile device on which you have not used it before, the following steps must be taken:
- Prepare the mobile device on which you are currently using m-zaba and the new one on which you have already installed the application.
- Log in to the app on your old device and select the More menu and then the Settings option.
- Select the “Transfer m-zaba to a new device” option.
- Follow the steps after whicha screen with a QR code for activating m-zaba on the new device is displayed.
- Start m-zaba application on the new mobile device to which you want to move the application.
- Scan the QR code with the camera on the new device.
- Enter and confirm the PIN that you will use to log in to m-zaba on the new device.
- After the successful activation message, your m-zaba is activated on the new and deactivated on the old mobile device.
What is the cost of data traffic when using m-zaba?
Due to the applied technology solutions, the cost of data traffic when using m-zaba is reduced to a minimum.Internet is charged according to the amount of transferred data (data traffic), and when you use m-zaba, the minimum amount of data is transferred. The price of data traffic depends on your mobile network operator. Also, most mobile network operators offer special options within which the price of data traffic is lower than the standard price. We recommend the activation of these options primarily for the purpose of downloading the application, when the highest data traffic is realized.
What is m-foto pay?
This is a mobile payment option which you can use to pay your bills in an easier, faster and more convenient way with the help of your phone camera. Launching the m-foto pay service and selecting the account for payment automatically activates your mobile device camera. You need to scan the 2D code, QR code or data from the payment slip (when there is no 2D and QR codes) using your camera, after which the payment order is automatically filled out.
This way you save time because you no longer need to manually enter data from the payment slip.
What is the difference between m-foto pay and Fast scan?
m-foto pay and fast scan are m-zaba services which make payments faster and simpler. Both services are based on scanning data using your phone camera.
m-foto pay enables you to pay payment slips by scanning a 2D bar code, QR code or the slip itself (stub) if it does not contain a 2D bar code, after which all the data necessary for making the payment will be transferred to m-zaba. With m-foto pay, paying your utility bills is only a matter of seconds.
fast scan enables you to make payments by scanning documents other than payment slips (e.g. various invoices). Instead of entering the IBAN, amount, reference number and so on, you only have to scan each entry with your phone camera after which all the data will be transferred to m-zaba.
Why can’t I use the m-foto pay service?
Older mobile devices with the Android operating system do not support the m-foto pay service because they do not meet the minimum requirements for the use of it. To make the service work on your mobile device, it needs to be equipped with:
- a camera with autofocus
- a video preview camera resolution: 480x480.
What is the „Share the details“?
That is a function of m-banking which enables an even simpler transfer of money between you and other users of m-zaba. Send the IBAN in the form of a 2d barcode (by email, Viber, social networks…) to the person from whom you expect a payment (and who also uses m-zaba), or show the IBAN to this person on the screen of your mobile phone. They need to retrieve the received code via the m-foto plati service in their m-zaba and enter the agreed amount and you can see the money on your account immediately after the payment.
Load more questions
Is it safe to use m-zaba?
All data exchanged between m-zaba and the Bank is protected by an encrypted connection, and access requires a PIN. PIN and business relationship data are not stored in the mobile device. By activation ofm-banking a software token is installed in the mobile device, which guarantees the security of using the service.
The PIN entry is protected from unauthorized recording with a keyboard with a random display of numbers for entering the PIN. The bank does not have access to your PIN, does not save it and will never ask you for it. Also, the Bank will never ask you to enter your PIN more than once. The PIN should be known only to you.After multiple successive entries of the wrong PIN, m-zaba is automatically locked. Also, after three minutes of non-use, m-zaba will automatically log you out.
How can I change my PIN?
To change your PIN, you need to log into m-zaba, select More in the main menu at the bottom of the screen. After that choose Settings and finally Security.
Why does m-zaba not ask for a PIN when I start the application?
After three minutes of inactivity, m-zaba automatically turns off. You need to re-enter your PIN to restart the application. This time of activity of m-zaba enables a multitasking mode, e.g. copying of the recipient’s account number from the mail application into the order form, and the like.
If you want to make sure that the application is inactive, select “Log out” or remove m-zaba from the list of applications running in the background immediately after you exit the application. The application is immediately locked and you need to enter your PIN to re-open the application.
I lost the mobile device with which I used m-zabo? What to do?
Report the loss or theft of the mobile device you use to access m-zaba to the Bank by calling 01/3789 888.
The PIN for access to m-banking and m-token should be known to you only, so in case of theft or loss of the mobile device, it cannot be misused.
- m-zaba for all new users no fee for the first 3 months
- Arrangement/activation and use of the service EUR 1.33/month
- Arrangement/activation and use of the service for users of Elastična, Dinamična, Obitelj plus, Student, Premium and Senior Lepeza package free of charge
- Arrangement/activation and use of the service for users of Start, Smart and Superior package free of charge
- Arrangement/activation and use of the service for users of Moderan and Aktivan Platni asistent package free of charge
- Arrangement/activation and use of the service for users of Cool account (if the legal representative is user of Lepeza package) and for users of Package for the Youth free of charge
- Payments to the accounts of natural persons who hold an account with Zagrebačka banka free of charge
- Payments to the accounts of legal persons who hold an account with Zagrebačka banka EUR 0.17 per order
- Payments to the accounts of natural and legal persons who hold an account in other banks EUR 0.30 per order
Information
- Safe Use of m-zaba IND - Zagrebačka Banka’s Mobile Banking Service pdf0.08MB
