Maestro debit card

The issuance requires opening of a current account in HRK.

The card is delivered to your address non-activated and may be used after activation in the way described in the letter accompanying the card.
The activation differs depending on the card type and the reason for issuing the new card. Therefore, the activation will be possible using particular channels:

• on-line banking (e-zaba and m-zaba)
• IVR
• by visiting a branch of Zagrebačka banka.

If you activate your card before 11 a.m., it will be ready for use after 11:30 a.m. If you activate your card between 11 a.m. and 6 p.m., you will be able to use it after 6:30 p.m.

You can choose how to use the card. Decide whether you want to use your Maestro card at ATMs and points of sale in Croatia, in Europe or in the whole world, depending on whether you travel outside of Europe or not. You can select your model, but you also change it subsequently using e-zaba, m-zaba, by visiting one of our branches or by calling 01 3789 620.

The contactless Maestro card may be used for small and large amounts (within the daily limit), for everyday shopping and for occasional purchases. By a simple leaning of the card against the terminal that supports contactless payment you make the purchase quickly and in a simple manner. It may be used also on contactless ATMs.

When paying at a point of sale displaying the Maestro sign and the "Contactless payment" mark ask the salesperson to carry out contactless payment.

Contactless transactions may be realised with or without a PIN. A transaction up to HRK 250 is completed by leaning of the card against the terminal, while higher amounts require the entry of the PIN. The HRK 250 limit related to the entry of the PIN is currently valid for the Croatian market.

Until 27 March 2020, the limit for contactless payment in the Croatian market was HRK 100. In the interim period it is possible that some POS devices may require PIN authorisation for purchases above HRK 100.

Limits for purchases on foreign markets may be higher/lower than in Croatia. For cash withdrawals you will need PIN authorisation regardless of the amount.

To activate the contactless function, it is required to carry out at least one contact transaction on the ATM (even checking the account balance will suffice) or at a point of sale. If the card continues to malfunction, contact the closest branch of the Bank.

Contact transactions - transactions in which the data between the card and the POS terminal are exchanged by reading of the chip or magnetic stripe on contact interface - the card needs to be inserted into the POS device or in ATM.

As soon as you notice that your card has disappeared, report this immediately to the Bank so that all the necessary measures for preventing misuse could be undertaken in a timely manner. After reporting the disappearance of the card, you are free from any responsibility and protected from financial loss in case of any misuse.

The card user is obliged to report a lost or stolen card immediately. He can do it 24/7 with the Bank stand-by service via tel.  01 3789 789 and confirm the report in writing in the nearest Bank branch. It is also possible to report a lost/stolen card in the branch.

Please adhere to the following pieces of advice:

• Remember the PIN and never write it down on the card or other documents
• Sign the card immediately upon receipt
• Destroy the old card (it will suffice to cut it through the magnetic stripe) after the expiration date
• Do not communicate the PIN or card data EVER to ANYONE
• Do not leave the card in visible places (in the car, in a cloakroom, in a hotel room, restaurant, etc.)
• Make sure to check the transaction amount prior to payment
• After the payment, verify that the card returned to you is really yours
• Keep our address and telephone number handy to be able to quickly report a lost or stolen card.

No. The range of the antenna in the card is 0 – 4 cm at the most.

All personal data protection rules are implemented in the same manner like with the cards for contact utilisation.