Online banking puts you in control of your finances. Pay your bills, get a cash loan or credit card, change or arrange a product package and schedule an appointment.


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NEW: Check your borrowing options in just a few steps!

  • Are you thinking about contracting a loan, but before contracting it, you are interested in knowing whether you are creditworthy for the desired amount?
  • Select Products>My borrowing options in m-zaba and find out the informative calculation of your cash or housing loan!

Get a cash loan* in just a few steps, now also via video meeting.

  • Get a loan of up to EUR 15,000 without having to go to the bank.
  • Initiate the process of arranging a loan up to EUR 40,000.
  • With a fixed interest rate for the entire repayment period for a cash loan

*Representative example: With a fixed interest rate of 6.09% a year, a repayment term of 84 months with repayment in annuities, the account maintenance fee in euro for one month included, and with life insurance for loan repayment, exclusive of a loan processing fee, the effective interest rate for a EUR 10,000 loan is 7.64%. The monthly annuity is EUR 146.53, and the total amount payable by the client is EUR 12,779.57. The interest rate applies to repayment terms above 60 months.

Contract a credit card and subsequently divide the cost into installments

Note: The procedure through m-zaba is available to clients with exemplary business relationship who receive income to a Zaba account. Clients who will be required to provide proof of income or have employment status that will render them ineligible for the m-zaba procedure will be redirected to a branch office.

*Representative example: with a fixed interest rate of 6.95% annually, the arranged repayment method of 36 instalments and no loan processing fees, the effective interest rate for the approved revolving loan of EUR 700 is 7.19%. The monthly repayment ranges from EUR 19.55 to 23.58, with the amount you will pay totalling EUR 775.16.

** Transactions that can be subsequently divided are specially marked in m-zaba, for transactions in amounts from EUR 26 to a maximum of EUR 535 with a fee of EUR 1.32 per installment.

New functionalities in m-zaba!

  • From now on, you can use m-zaba to quickly and safely send money abroad.
  • Download a queue ticket for the queue in the branch office in m-redomat and longer waiting becomes a thing of the past.
  • We made it possible for you to login in m-token using fingerprint or face scan.
m-zaba on mobile phone

Pay your bills, transfer money and buy top-ups!

  • m-photo pay – Scan and pay your bills in just a few steps.
  • IziPay – Send and receive money by selecting contacts from your phone book.
  • Buy mobile phone and PlayStation top ups or top up the ENC device of the Croatian highways.

How to get m-zaba?



You can arrange m-zaba in any Zaba branch.



Download the application via the Google Play, the App Store or the App Gallery:



After you download the app, you need to activate it by entering the identification and activation keys. After that, you need to choose a PIN for the future use of m-banking and m-token.

NEW: Become a client of Zaba - digitally!

  • Still not a client of Zaba? Download the m-zaba application, contract a package of accounts and services and enjoy the advantages of digital banking.

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