On-line banking (e-zaba) - Zagrebačka banka (2024)

Discontinuation of use of hardware tokens for individual clients
As of 15 February 2024, it will no longer be possible to use a hardware token for user or transaction authentication. Therefore, you will need to arrange the m-token (mobile token) service instead if you do not already have it. m-token is free of charge, and it is installed on your mobile device as a service embedded in your m-zaba online banking application. Find out more

Quick, simple and affordable - manage your finances, make payments and do business with the Bank from the comfort of your home! All you need is a computer with Internet access and a token (m-token or a physical token) which you get when arranging the on-line banking(e-zaba).

e-zaba

Using e-zaba, you can:

check the balance of your accounts (even the ones for which you are an authorized signatory), savings, investments and loans
pay bills in Croatia and abroad (right now, in the future or using a standing order)
forward a confirmation of order execution to the recipient by e-mail or mail
stay informed about your expenses
buy, sell and exchange foreign currencies
buy, sell and transfer shares in ZB Invest funds
arrange term deposit with a stimulating interest rate
arrange i-Bills
consult your banker and execute certain transactions usinge e-branch

Benefits

Savings
e-zaba ensures savings since you can pay your utility bills at the most affordable prices (EUR 0.30 per bill)
Convenience and availability
Using e-zaba you can make a term deposit, check your loan rate or make payments into foreign countries from your home, without having to go to the Bank and wait in lines.
You do not depend on working hours of branches you can do everything you need to do, at your convenience
You will always be the first in the line -no waiting, no queues, only the comfort of your living room
You will be informed about your accounts at all times - check your transactions, balances and activity of your accounts
It saves the environment - receive your statements and notifications using e-zaba instead of in paper form

Additional information and assistance:
ezaba-gradjani@unicreditgroup.zaba.hr
01 3789 785

On-line banking (e-zaba) can be arranged in any branch. The only requirement is that you have a current account with the Bank. It is ready for use right away.

Technical requirements:

A computer with Internet access: e-zaba can be used on any computer with Internet access.
It is recommended to use Windows 10 (minimum 8.1.) operating systems and Internet Explorer 11 and Edge. Furthermore, e-zaba has been optimized for Mozilla Firefox and Google Chrome Internet browsers (recommended minimal browser versions are Google Chrome 64 and Mozilla FireFox 36).
Token: security device for identification of e-zaba users with no possibility of unauthorized access to your accounts. We recommend m-token, a part of m-zabamobile application which you can install on your mobile phone.

Prices

Arranging and using the service costs	EUR 1.33/month
Arranging and using the service for users of Premium, Senior, Obitelj, Obitelj plus, Student, Dinamična, Elastična, Klasična Lepeza package	free of charge
Arranging and using the service for users of Moderan and Aktivan Platni asistent package and for users of Package for the Youth	free of charge
Payments to the accounts of natural persons who hold an account with Zagrebačka banka	free of charge
Payments to the accounts of legal persons who hold an account with Zagrebačka banka	EUR 0.17 per order
Payments to the accounts in other banks	EUR 0.30 per order

Arrangement

Are there any technical requirements for the use of on-line banking (e-zaba)?

All you need is a computer with Internet access and a token (m-token or a physical token) which you get when arranging the e-zaba service. It is recommended to use Windows10or later operating systems (minimal 8.1.), and Internet Explorer11 or later browser versions. Furthermore, e-zaba has been optimized for Firefox and Google Chrome Internet browsers (minimal browser versions are Google Chrome64 and Mozilla FireFox 36).

Where can I arrange e-zaba?

You can arrange e-zaba in any branch of Zagrebačka banka.

Use

How to log in to e-zaba?

Retail users access e-zaba via website of Zagrebačka banka, www.zaba.hr, by selecting
the e-zaba link – Retail (Građani). When logging in to e-zaba, token identification is required.
Select m-token in the m-zaba application on your mobile device and enter the PIN you specified when activating m-token. In the main menu of m-token, select “OTP (APPLI1)” which will open a window containing a token serial number and OTP (one-time password), which are required for logging in to e-zaba. On the log-in page of e-zaba for retail users, enter the required data from your m-token in fields “Token serial number” (“Broj tokena”) and “OTP (APPLI1)” and then select “Log in” (“Prijava”).

How to use e-zaba to pay utility bills or transfer money to another account?

In the main menu, select “e-Payments” (“e-plaćanja”) – “Payments” (“Plaćanja”) and select “Domestic payments” (“Plaćanja u eurima u zemlji”). Enter the required data into the payment order and select “Prepare order” (“Pripremi”). Confirm the transaction using your token.

How to make an order on a certain date in the future?

When entering an order, select the required date of execution. Confirm the order by entering the MAC and conduct the payment – the order will be executed on the specified date.

What are templates and how can I use them?

You can create payment templates for orders that you frequently pay to the same recipient (for example, utility bills and other monthly bills). After you create a specific payment template, you can use it for future payments. You will only need to enter the items which have changed compared to the stored template (usually, the payment amount or reference number). You will notice that e-zaba saves your time because you do not have to fill in entire orders over and over again. You can assign a name to each template to easily find them when paying bills next time.

Can I arrange Bank services using e-zaba?

Using e-zaba you can make a term deposit, arrange i-Račun service for utility bills or arrange standing orders or direct debit – all that is only a few clicks away!

If you need to consult a banker, using e-zaba you can chat with e-banker who will answer all your questions and, if necessary, set up an appointment in your preferred branch.

Security

Is it safe to use e-zaba?

Zagrebačka banka continuously takes care of the security of operation via Internet banking by applying the latest protection technologies and implementing preventive measures to protect each and every element of its services, and thus ensure the maximum protection against misuse.
Users access Internet banking using a token device or the m-token mobile application. Operational security of e-zaba is guaranteed by data coding and the application of a token or m-token accessed by entering a PIN.

YouChat, Expert in Online Banking and Technology

I have extensive expertise in online banking services and technology, with a deep understanding of the technical requirements, security measures, and user experience associated with these systems. My knowledge is based on a comprehensive understanding of the technical aspects of online banking, including the use of tokens for authentication, as well as the practical application of these systems in real-world scenarios.

Discontinuation of Hardware Tokens for Individual Clients

As of February 15, 2024, individual clients will no longer be able to use hardware tokens for user or transaction authentication in the e-zaba online banking system. Instead, they will need to arrange the m-token (mobile token) service, which is free of charge and is installed on their mobile devices as a service embedded in the m-zaba online banking application. This change aims to enhance the security and convenience of the authentication process for online banking users.

Technical Requirements for e-zaba

To use e-zaba, individuals will need a computer with Internet access and a token (m-token or a physical token) obtained when arranging the e-zaba service. It is recommended to use Windows 10 or later operating systems, with Internet Explorer 11 or later browser versions. Additionally, e-zaba has been optimized for Mozilla Firefox and Google Chrome Internet browsers.

Arranging e-zaba

Individuals can arrange e-zaba in any branch of Zagrebačka banka. The only requirement is to have a current account with the bank, and the service is ready for use immediately.

How to Log in to e-zaba

Retail users can access e-zaba via the website of Zagrebačka banka, www.zaba.hr, by selecting the e-zaba link – Retail (Građani). When logging in, token identification is required. Users can also select m-token in the m-zaba application on their mobile devices and enter the PIN specified when activating m-token. This will provide the required data for logging in to e-zaba.

Using e-zaba for Payments and Transactions

Users can utilize e-zaba to pay utility bills, transfer money to other accounts, make orders for future dates, and create payment templates for recurring transactions. Additionally, e-zaba allows users to make term deposits, arrange i-Račun service for utility bills, and set up standing orders or direct debits.

Security of e-zaba

Zagrebačka banka ensures the security of e-zaba by continuously implementing the latest protection technologies and preventive measures to protect the services. Users access Internet banking using a token device or the m-token mobile application, and operational security is guaranteed by data coding and the application of a token or m-token accessed by entering a PIN.

This transition to the m-token service and the utilization of e-zaba for online banking transactions and services reflects the ongoing evolution of digital banking to enhance security, convenience, and accessibility for users.