Zaba cards - the best travel companions

Cards are delivered to your address inactive and are activated in the manner described in the enclosed letter. Depending on the reason for issuing a new card, it can be activated in different ways, such as Internet and mobile banking, IVR or in a branch of Zagrebačka banka. If you are not sure whether the card is activated, please call 01 3789 620.

Please check information on payment currency and currency conversion for foreign currency transactions in the general terms and conditions (depending on the type of card).

If you forget your card PIN, and you use online banking, you can check your card PIN any time in our mobile app (m-zaba) or ask your banker at a branch or via e-branch in a timely manner.

The initial daily limit (amount and number of transactions) per card is available in the Overview of daily limits per card for individuals and Overview of daily limits per card for businesses. You can change your daily limits according to your own needs via m-zaba, by calling 01 3789 620 or at a branch of the Bank.

The spending limit is determined for your credit cards and deferred payment cards upon card arrangement. If you are not sure of your spending limit, you can check it via e-zaba, m-zaba, at a branch or by calling 01 3789 620.

Debit cards of current account in euro and giro account in euro included in Start, Smart and Superior service packages, Lepeza Package or the Package for the Youth, enable cash withdrawal abroad without fees at ATMs of banks that are members of the Unicredit Group.

The network of UniCredit Bank consists of almost 13,000 ATMs in 12 European countries: Austria - Bank Austria; Bosnia and Herzegovina - UniCredit Bank; Bulgaria - UniCredit Bulbank; Czech Republic - UniCredit Bank; Italia - UniCredit Banca, UniCredit Banca di Roma, UniCredit Banco di Sicilia; Hungary - UniCredit Bank; Germany - HVB (HypoVereins Bank); Romania - UniCredit Tiriac Bank; Serbia - UniCredit Bank Srbija; Slovakia - UniCredit Slovakia; Slovenia - UniCredit Banka Slovenija and Croatia.

At other ATMs fees will be charged.

When using your debit card abroad check additional messages on the ATM because foreign banks may charge additional fees, such as an ATM access fee, or they can offer you a DCC service: you will have an option to convert the amount in euro with additional transaction fee and mark-up for the currency conversion. Overall, it may be more expansive to pay in EUR than in the foreign currency.