m-zaba business banking

It is necessary to contract the service, install the m-zaba application on the mobile device and activate the application.

You can contract the service with your banker.If you contract the m-banking service, you can also use the m-photo pay and fast scan services.

When contracting m-zaba, request the delivery of the activation key via SMS. An activation key message arrives on your mobile device in a few seconds, and the Bank sends the identification key to your e-mail address.

Please make sure that the mobile data on your mobile device are turned on.

Open Apple Store, Google Play Store or App Gallery via the icon in the mobile device menu and enter the application name by selecting the magnifying glass icon; when the required application appears, select it in the search result and click "Install".  

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 a minimum requirement version 11.0, but recommended 14.0 or later
• Android with a minimum requirement version 5.0, but recommended 11.0 or later.

m-zaba is available to you on all mobile networks and from any place where you can establish communication with your mobile device.

Users of m-zabaPS and/or m-tokenPS who are also users of e-zaba business banking service, in the case of locking of m-zabaPS/m-tokenPS, deleting the application from the mobile device and/or change of the mobile device, can submit their request for resending m-zabaPS and/or m-tokenPS application via e-zaba. The request is entered by using  “m-zabaPS“ or “m-tokenPS“ option in the left vertical e-zaba menu, selecting the option “Change Service“ (“Promjena usluge”).
Upon processing the request, the identification and activation keys which are required for activating m-zabaPS and/or m-tokenPS will be available to the person authorised for using e-zaba. 

In case you have deleted m-zaba from your mobile device, changed your mobile device or locked the application you need new identification and activation key to reactivate the application that you canrequest it from your business relationship manager or get it via e-zaba business banking.

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 into the application on your existing device and select the Settings option.§ Select the “Move m-zaba to a new device” option.
• Read the information and select the OK button.
• Check the correctness of the phone number that you will use on the new device and confirm with OK.
• After confirming the phone number, a screen with activation keys 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 or enter the activation keys.
• 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.

You can:

• enter a payment order in local currency within the allowed daily limit by using payment templates previously created via business banking m-zaba or e-zaba and send payment receipt via e-mail
• sign group orders and send them for execution
• download statements on transaction account balance - statements free of charge
• order statements from archives, monthly balance and transaction reports for your transaction account
• check the balance and transactions of the transaction accounts and term deposit accounts as well as your investments and units in ZB Invest funds
• obtain information on the amount of the approved credit line and validity period of the credit line, the number and amount of pending payment orders and the number and amount of payment orders awaiting execution 
• send us your question, proposal or compliment via option "Contact us" in the new menu "Messages"
• check the exchange rate list and use the currency converter
• obtain information on useful contacts - name and surname, telephone number and email address of your Relationship Manager, other information for your contact with the Bank (important telephone numbers and email addresses, e.g. e-zaba and m-zaba Help Desk, for reporting lost/stolen cards).
  

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.

Some services need to be contracted separately in order to be available in the main menu. By contracting the m-banking service, the m-photo pay and fast scan services are activated. You can use other services (overview of locations of ATMs, branches and business centers of the Bank and member banks of the UniCredit group, insight into the prices of shares in ZBI funds, exchange rate list, contacts and messages) without entering into a contract.To contract other services, contact your banker.

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 activationm-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 and does not store it, and the PIN is known only to you. The Bank will never ask you for your PIN. Also, the Bank will never ask you to enter your PIN more than once.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.

To change your PIN, you need to log into m-zaba, select Change PIN in the main menu at the bottom of the screen. After selecting that option, a screen with three fields is displayed in which you need to enter the existing PIN with which you use to log into m-zaba, a new PIN and repeat the entry of the new PIN.

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 is known only to you, so in case of theft or loss of the mobile device, it cannot be misused.