Personal income payment

Personal income (regular and occasional) payments to your employees can be executed via a single payment order file in accordance with the SEPA standard, as follows:

• You submit the payment order file to the Bank in the standard 001 XML format, which is used for all types of payments (national payments, including personal income, as well as cross-border and international payments);
• Payment via a pain.001 file is available to all users of e-zaba business banking without the need for additional contracting;
• The pain.001 file must be created in accordance with the instructions available at the following link: https://www.sepa.hr/upute-za-korisnike/shema-za-sepa-kreditni-transfer/ (SCT-Uputa za klijente pain.001);
• As the debtor's account in the file, you specify your transaction account opened with Zagrebačka banka;
• As creditor's accounts, within the same pain.001 file you may list accounts of your employees held with Zagrebačka banka as well as with other Croatian banks;
• In the file, you may select the batch booking option, whereby your account will be debited with a single total amount, meaning that individual creditors and payment amounts will not be visible on your account;
• Individual payment orders within the file must be completed as described in the chapter “Description of data entry for salary payments (…)” of the above-mentioned Uputa/Instructions (references, purpose codes, etc.);
• The file must be submitted for execution via e-zaba business banking, as described in the User Guide https://www.zaba.hr/home/podrska/upute-za-koristenje
• For creating personal income files in pain.001 format, in addition to your own IT solution, you may also use the following auxiliary software (enables payments of personal income to accounts held with Zagrebačka banka):
  • Download the program / .exe file / installation prerequisite: .NET Framework 4.6.1, Windows environment;
  • Download the program / .msi file / full program installation, Windows environment;
  • Download the User Guide for the file creation program.

Important notice: for users of the old method of personal income payment

• The old method of personal income payments (delivery of specifications via the contracted channel, together with payment of total amount for disbursement to the Bank's account) will cease as of 13 November 2026;
• If you currently execute payments using the above-described old method, please switch without delay, and no later than 13 November 2026, to the SEPA standard described above, in order to ensure uninterrupted payments in the upcoming period;
• If needed, personal income payments to beneficiary accounts opened with Zagrebačka banka may also be executed from your account held with another Croatian bank. For details, please contact your business bank.

Additional information and support:
ezaba@unicreditgroup.zaba.hr
+385 (1) 3789 100