A giro account in EUR is intended for income from self-employment, which has to be recorded through a giro account in accordance with current legal regulations of the Republic of Croatia.
Sources of income paid to the giro account may be the following: freelancing and creative activities, leasing or renting real estate and movable property, part-time or supplementary work, temporary service contract work or income from property and property rights.
With a giro account, you will receive a debit card which you can use to simply and safely dispose of your funds.
A giro account in EUR is opened by signing an Transaction service agreement (unless the account is being opened on behalf of a person lacking legal capacity). A giro account in EUR can be activated immediately after signing the Transaction service agreement or later.
You can find more information on the Transaction service agreement here.
A giro account in EUR may be activated by any natural person in accordance with the Transaction service agreement.
Persons lacking legal capacity (minors and adults lacking legal capacity) may open a giro account in EUR through their legal representative/guardian regardless of the Transaction service agreement.
It may be opened in any branch of Zagrebačka banka.
For opening of a giro account in EUR, you only need to present a valid identification document (ID card or passport) and an OIB certificate, if it is not listed on the ID.
You can dispose of your funds in Zagrebačka banka branches immediately after opening the account, and the debit card enables a quick and easy access to funds in your giro account 24/7, at all points of sale and withdrawal in Croatia and abroad as well as online.
You may use the debit card with no fee for cash withdrawal in EUR at ATMs of Zagrebačka banka d.d., for payments at EFT POS points of sale in Croatia and abroad as well as for online payments.
The amount of cash you can withdraw at ATMs and/or points of withdrawal depends on the balance of the account and card limits.
At specially designated Zagrebačka banka ATMs where you can withdraw cash in EUR, you can withdraw up to EUR 500 a day, with a fee.
Proxies for transaction accounts of individuals can be arranged at the request of the account holder who is personally present in a branch and/or based on a special power of attorney.
Granting a power of attorney in a branch:
A power of attorney for a transaction account can be arranged in any branch which does business with individuals.
When giving a power of attorney for an account in a branch, both the account holder and the proxy need to be present in order to be identified and sign the power of attorney form.
Special powers of attorney:
Special powers of attorney are certified by a competent body (notary public), foreign competent body, or an authorised person from a diplomatic or consular mission. They can be issued for any purpose, or for performing any action in relation to transaction accounts which must be specified, i.e. listed in the special power of attorney.
Current account in euro and giro account in euro are debited in euro for all card transactions, regardless of the currency of payment or cash withdrawal.
If the foreign currency of a payment you make with your debit card of current account in euro and giro account in euro is listed in the exchange rate list for card transactions, the conversion is carried out by Zagrebačka banka by applying the exchange rate list for card transactions. Only one conversion is made (from a foreign currency into euro).
If the currency is not listed in the Bank's exchange rate list for card transactions, the conversion will be carried out by applying the currency conversion rules and the exchange rate list used by credit card companies.
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:
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