On-line banking
(m-zaba)

You will need a mobile phone with internet access which runs on one of the following operating systems:

• iOS (minimum requirement: 10.0., recommended 13.0 or higher)
• Android (minimum requirement: 5.0., recommended 10.0 or higher)

Older versions will not support the new m-zaba, but you will be able to use the current version.
However, please keep in mind that the old m-zaba will eventually stop being available, but you will be informed of this in a timely manner.

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.

In any of these cases, you need a new ID and Activation Key to reactivate the application. You can retrieve new keys in the following three ways:

• via e-zaba for retail users, following the steps below:

Step 1: In the main menu select: ARRANGEMENT AND CONSULTATION (UGOVARANJE I SAVJETOVANJE) -> Changes (Promjene) -> m-zaba.
Step 2: Select the “Change service” (“Promijeni uslugu”) option.
Step 3: Check the following statement: “I want a new distribution of the application to my mobile phone” (“Želim ponovnu distribuciju aplikacije na mobitel”)
Step 4: Retrieve the new ID and Activation Key that you need to enter into the m-zaba application which you reinstalled on your device.

• call a branch or Contact center (01 3789 785) and request a new ID and Activation Key;
• request a new ID and Activation Key in a branch of the Bank.

In case you want to use the already activated m-zaba on a mobile device on which you have not used it before, you need to go throught the following steps:

• 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 in to the application on the existing device and select the option More in the main menu (in the lower right corner).
• Select SETTINGS.
• Select Transfer m-zaba to a new device.
• Read the information and select the OK button.
• Check that the phone number you are using on the new device is correct and confirm with OK. Enter the phone number in the format 003859XXXXXXXX.
• After confirming the phone number, the screen with the keys for activating the m-zaba on the new device is displayed.
• Open the m-zaba application on the new mobile device to which you want to move the application and select ACTIVATE.
• You can write down the keys from the screen on an existing device, or use the QR code scanning option by selecting an option via the camera icon on the new device.
• The next step is to select and enter the PIN that you will use to log in to m-zaba on the new device.
• After the message of successful activation, 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, 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.

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. 

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 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.

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 your PIN, you have to log into m-zaba, select More in the main menu at the bottom of the screen, then Settings, Security, and then Change PIN. When you select that option, you will see three boxes where you need to enter:

• The current PIN which you use to open m-zaba
• The new PIN (with at least 6 characters)
• The new PIN (re-enter).

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.