m-zaba

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.

You need to:

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

After downloading the application, activate it by entering the identification and activation key.After entering the identification and activation key, it is necessary to enter and confirm the PIN that you will use when working with m-zaba.You create the PIN yourself, it is known only to you, and we recommend that you keep it secret.

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.

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 and m-token.
If you wish to use m-token, you can arrange it additionally in a branch of the Bank, after which it will become activated.

Due to the applied technology solutions, the cost of data traffic when using m-zaba is reduced to a minimum. Internet is charged according to the amount of transferred data (data traffic), and when you use m-zaba, the minimum amount of data is transferred. The price of data traffic depends on your mobile network operator. Also, most mobile network operators offer special options within which the price of data traffic is lower than the standard price. We recommend the activation of these options primarily for the purpose of downloading the application, when the highest data traffic is realized. 

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.

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.

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.

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.

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.