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The Free service package includes the following services for which the Bank is not allowed to charge an eligible consumer a fee for using the package under the Fee comparability, payment account transfer and basic account access act:
opening, maintenance and closing of one payment account into which the consumer receives their regular income in the official currency of the Republic of Croatia (a EUR checking or giro account or a multi-currency checking or giro account);
e-zaba online banking;
if the consumer is deemed eligible under the applicable consumer finance laws, an option to arrange an overdraft facility of up to EUR 250 for each EUR checking account included in the Free service package, subject to the Bank’s business policy (this applies to newly arranged overdraft facilities included in the Free service package);
cash deposits to the payment account at ATMs, excluding coins;
cash withdrawal from the payment account at ATMs;
incoming national and cross-border payment transactions in euros;
issuance and use of a debit card;
debit card payment services at physical stores.
If the consumer is formally a pensioner or belongs to a sensitive consumer group, the Bank will not charge its fee for withdrawing cash from a payment account included in the Free service package at branches or at ATMs.
The Bank will issue a debit card to the account holder, unless they are contractually incapacitated, in which case it will be issued to their attorney, legal representative or custodian.
In addition to the accounts included in the Free service package, the consumer may arrange other products or services offered by the Bank, which are subject to the Extract from the Decision on Fee Rates for the Bank’s Individual Transaction Account Services, Payment Services and Direct Channels.
For the purpose of opening a Free service package, the Bank may request that the consumer provide records of their regular income as may be required to open a Package. In addition, if the consumer belongs to a sensitive consumer group within the meaning of the Act, they must present relevant evidence of their status when opening their account.
Benefits
The Free service package is free of charge
It includes e-zaba online banking
No fees will apply to payments made from an account included in the Free service package held by a pensioner or a social welfare beneficiary
Conditions
Any domestic or foreign natural person receiving regular income (as defined in the Fee Comparability, Payment Account Transfer and Basic Account Access Act) in euros into a transaction account held with the Bank may become a Free service package user.
The consumer must apply for their Free service package at a branch.
If the person in question is contractually incapacitated, the Free service package will be arranged on behalf of that person by their custodian or legal representative.
Further information regarding the disposal of funds in a minor’s account is available in the leaflet.
The Bank may reject a consumer’s application to open a Free service package if the consumer already holds such payment account in the Republic of Croatia or with the Bank or if the opening of their Free service package would result in violation of any anti-money laundering and terrorist financing regulations.
Required documents
appropriate evidence of regular income;
an identity document (identity card or passport);
a certificate of OIB (Croatian Personal ID No.), unless it appears on the identity document;
a Certificate of Birth or an Extract from the Registry of Births if the Free service package is being arranged for a minor;
the relevant Decision of the Croatian National Institute for Social Welfare for social welfare beneficiaries.
Prices
Arrangement
free of charge
Maintenance
free of charge
Option to allow an authorized person to use the account
0,40 EUR per month
If the consumer does not receive their regular income into their payment account included in the Free service package for three consecutive calendar months, the Bank will start charging the consumer fees for the services included in the Free service package for which they previously paid no fees and will notify the consumer no later than 15 days before it starts to collect such fees.
Arrangement
Any domestic or foreign natural person receiving regular income in euros into a transaction account held with the Bank may become a Free service package user.
If the person in question is contractually incapacitated, the Free service package will be arranged on behalf of that person by their custodian or legal representative.
You can arrange it at any branch of Zagrebačka banka. To arrange your Free service package, all you need to do is present a valid identity document (identity card or passport) and a certificate of your OIB (Croatian Personal ID No.), unless it appears on your identity document.
For the purpose of opening a Free service package, the Bank may request that the consumer provide evidence of their regular income.
It is very simple - just give the number of your current account in EUR to your employer (ask the Bank to give you an IBAN Certificate which you will give to your employer).
No. The services included in the Service Center are only available within the Smart Package or Superior Package.
Use
If you are deemed eligible under the applicable consumer finance laws, you have the option to arrange an overdraft facility of up to EUR 250 for each EUR checking account included in the Free service package, subject to the Bank’s business policy. This applies to newly arranged overdraft facilities included in the Free service package.
Ne. It is not possible to use an installment plan limit with a debit card within the Free Services Package.
Security
Using the card is safer than carrying cash. When using the card for payments or cash withdrawal, you will need to enter a PIN (in certain countries, you may be required to sign the sales receipt). PIN is a secret identification number known only to the card holder. Therefore, it should be kept secret and it should not be written down on a paper near your card.
If you forget your card PIN, and you use online banking, you can check your card PIN any time in our mobile app (m-zaba).
The user is obliged to report a lost or stolen card immediately to the bank’s Contact Centre (24/7) via tel. 01 3789 789 and confirm the report in writing in nearest branch of the bank.
It is also possible to report a lost/stolen card in the nearest bank branch.
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.
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