Contactless cards and
PIN authorization

All Zaba cards support contactless payments.

In Croatia, PIN entry is not required for each contactless payments that do not exceed EUR 50. The cardholder simply taps his card against the POS device. All other transactions at POS terminals and ATMs must be authorized by entering the PIN.

If you are an online banking user, you can check your PIN via the m-zaba mobile application in the following manner:   
1. Select the m-zaba icon
2. Enter your PIN or biometric data (fingerprint or face scan) to unlock m-zaba
3. Click on Cards
4. Select the card for which you want to view the PIN
5. Select Card PIN

How to pay with a contactless card?

Amounts up to EUR 50.

• Just tap the card against the reader.

Amounts above EUR 50.

• Tap the card against the reader, and enter your PIN.

Good to know:

• Once you receive your contactless and after you activate it applying the usual methods, following the instructions contained in the letter sent with the card, you must make the first transaction or purchase by inserting the card in the POS device at a point of sale or an ATM, and authorize it by entering your PIN. Only then will you be able to make contactless payments. Since cash withdrawals are subject to a fee with credit cards, when using an ATM to activate your card, it is enough just to check your balance by inserting the card and entering the PIN.
• The maximum amount of a single contactless transaction with the card that does not require PIN authorization at the point of sale differs depending on the country: in Croatia, the said amount is EUR 50, and in other countries it may be either lower or greater. 
• Contactless payments at points of sale are subject to additional conditions: When the sum of consecutive contactless transactions without PIN entry reaches 150 euros or 5 consecutive contactless transactions without PIN entry are made, the next transaction will require PIN entry regardless of the amount. If the POS device is not requiring PIN entry after the card is tapped against the device, the card must be inserted into the POS device.
• The contactless service is provided in accordance with the highest safety standards applicable to card companies. Contactless payments are executed via the same protected networks as the contactless transactions. The speed of execution of contactless transactions prevents disclosure of card data.
• Zaba cards are protected by daily limits, which define the number and amount of transactions per day. Purchases and withdrawals may be executed up to the daily limit determined for contactless cards. You can, however, adjust the limits to your needs and habits at any time. You can check the default daily limits for individual cards here.
• If you decide not to use your card for contactless payments, you should deactivate your daily limit for contactless payments. If you are an online banking user, you can do so via m-zaba. Otherwise, you can submit a request at one of our branches, at our e-branch, or by calling 01/3789 620.
• A card added to a digital wallet it is a digitized card and payments work differently than those made with contactless cards, so there is no need for PIN entry in the POS device.
• Protect the confidentiality of your PIN. Do not write it on the card or carry it together with your card, and do not leave your card unattended. In case of loss and/or theft, contactless technology represents an additional risk of misuse.

If you have any questions, please contact us by phone on: 01 3773 333, or by e-mail at: zaba@unicreditgroup.zaba.hr. We will answer you as soon as possible.