Zagrebačka banka will replace all existing Visa cards with new Mastercard cards by the end of April 2025. You don’t have to submit a card replacement request. The card will be delivered to your address free of charge. The process of replacement will take place gradually, however. If you have more than one Visa card, you will not receive all of your new Mastercard cards at once.

No, replacement of your Visa card with a Mastercard card will not affect your PIN. It will stay the same. If you have m-zaba, you can use it to check the PIN of any card issued to your name.

If a new Mastercard card is issued for the purpose of replacing an existing Visa card, all card features, including the daily limit, stay the same. However, if an existing Visa card is blocked as a result of loss, theft or misuse, and a new Mastercard card with a new PIN is delivered to the cardholder, initial daily limits on the new card will be assigned, as will be explained in the letter sent with the card. More information about personal cards is available on www.zaba.hr/home/en/daily-limits-on-consumer-cards. To learn more about business cards, see the following document.

The reasons can be different. You can get additional information about the rejected use of the card by calling the phone number 01 3789 620.

• Activation: Before calling, make sure you have activated the card in accordance with the instructions which you have received in the letter together with the delivered card.
• First transaction - contact required: After activating the card, the first transaction must be carried out by inserting it into the POS or ATM along with the PIN, after which it can be used contactless.
• Available amount: Check available account balance or spending limit/credit limit.
• Daily limit: Each card has assigned daily limits for safety. Check the daily limit per card for different payment methods and cash withdrawals.
• Digital wallet: Check which cards have been added to Google PAY, Garmin Pay or Apple Pay. Delete the old card and add the new Mastercard card.

No, the Bank will replace all Visa cards with Mastercard cards. You must activate and use only your new Mastercard card.

Of course. If you are already a member of the MultiPlusCard Loyalty Reward Program and the number of your current account in EUR is recorded in the MultiPlusCard system, you will be able to collect your reward points using the new card as well.

The new cards do not have a signature strip and do not need to be signed. The new Mastercard card has a cutout that serves to the blind and partially sighted people to make it easier for them to recognize which card it is. Debit cards have a semicircular cutout, while credit cards and deferred payment cards have a square shaped cutout.

Yes, after the Visa debit card issued for a consumer transaction account is replaced, all users of such account will receive new cards as well. Once the account holder activates his/her new Mastercard card, all existing Visa cards held by authorised users will be deactivated. Before activating your new card, please check (as the account holder) whether all your authorised users have received their new cards, and make sure that you inform them after you activate your new card as they need to activate theirs as well.

The cards are delivered to the client's address, so please wait until the shipment is delivered. In case of additional questions, individual users can contact any branch to check the address to which it was delivered. Business users should contact their business relationship manager. You can get additional information about the card by calling 01 3789 620.

Until the April 2025, Zagrebačka banka will replace all existing Visa cards with new Mastercard cards. The scope of the process of replacement makes it impossible for us to keep the same expiry dates. If the new card has a closer expiry date, this will not affect your ability to use it in terms of continuity. Namely, before the expiry of your new card, the Bank will timely send you a new one.

The Visa card you received was sent to you because you have either opened an account, set up a card with a deferred payment option, or because your old card has expired. The new Mastercard card has been sent to you because the Bank is replacing all existing Visa cards with Mastercard cards.