On-line banking
(m-zaba)

You need to have a mobile device with Internet access with one of the following operating systems:

• iOS (with a minimum requirement: version iOS 9.0. or later)
• Android (with a minimum requirement: version Android 4.4. or later)

You need to:

•  arrange the service
•  install the m-zaba application on your mobile device
•  activate the service

The simplest way to arrange m-zaba is via e-zaba for individuals. Log in to e-zaba and select: m-zaba -> m-banking -> Arrangement. After a successful arrangement, select the option “ID and Activation Key” (“Identifikacijski i aktivacijski ključ”), which you need in order to activate the application.

If you do not have e-zaba, you can also arrange m-zaba in a branch. You can then choose whether you want to arrange only m-banking or both services (m-banking and m-token).  Our advice is to arrange m-token right away as well. This service is free, and it enables, for example, online purchase or access to the e-Citizens system.

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

In order to use m-zaba, you need to install the application on your mobile device. Depending on the type of mobile device you are using open:

-App Store

-Google Play

-App Gallery

On-screen of the service select application “m-zaba” and click “Install”.

After downloading the application, activate it by entering ID and Activation Key, after which you can specify the PIN for further use of m-banking and m-token.
If you only arranged m-banking, the m-foto pay service will be activated within the m-zaba application. You can access these services using the same PIN you specified to log in to m-banking.
If you previously arranged one of the services (e.g. m-banking), and you are subsequently arranging another one (m-token), you do not need to retrieve the ID and Activation Key. You can start using the service right away, using the same PIN you specified for the previously arranged service.

You need to arrange some services separately in order to activate them in the main menu. Arranging m-token activates the m-token service in m-zaba. Arranging the m-banking service activates the m-banking and m-foto pay services in m-zaba. You can use other services (overview of ATM and branch locations, access to useful contacts of the Bank and exchange rate list) without previously arranging them.

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.

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 QR code (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 QR 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.

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.

If your mobile network operator does not provide the mobile roaming service, try to connect your device to any of the Wi-Fi networks that are usually available in bars, restaurants, airports, and the like.

m-zaba consists of m-banking, m-foto pay and m-token.
If you arrange m-banking, the service m-foto pay will be activated.
If you wish to use m-token as well, you can arrange it additionally via e-zaba or in a branch of the Bank, after which it will become activated.

Unambiguous identification with any arrangement or change of m-zaba, the latest encryption protection, application of the software token embedded in the application and the fact that the application cannot be used without knowing the PIN guarantee safety when arranging, as well as using m-zaba.
Entering the PIN is protected by a variable keypad, and services that are accessed with a PIN (m-banking, m-token) are automatically locked after multiple consecutive entries of an incorrect PIN, as well as after three minutes of inactivity.
We want to remind you that your PIN is a secret number used to verify your identity and you should not disclose it or make it available to other persons.

To change the PIN, you need to start m-zaba and select “Change PIN” on the homepage.
After selecting this option, a screen with three dialog boxes appears in which you should:  

•  enter the existing PIN you use to start m-zaba
•  enter the new PIN
•  re-enter the new PIN.

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.

You can report the loss or theft of the mobile device by calling the phone number 01 3789 888. In the meantime, you can be sure that your m-zaba will not function on the stolen device, because your PIN (secret number to verify your identity) required to access m-zaba is known only to you.
If you own another mobile device and mobile phone number via which you want to use the service, repeat the procedure described in the answer to the question “How to get m-zaba?”. Using m-zaba on another device or cancelling the m-zaba service will automatically deactivate m-zaba on the lost device.