FAQ

What are daily and monthly limits?

• The daily limit represents the amount that can be used on a daily basis, corresponding to every individual day. The initial amount is set to HRK 50,000.00.

For example, if you had payment transactions amounting to HRK 200.00 today, you are still left with payment transactions of up to HRK 49,800.00, depending on the amount available on your account. The following day, the limit returns to HRK 50,000.00.

• The monthly limit is the total amount that can be used during a particular month. Payment transactions you have during the month reduce the remaining monthly limit, and by monitoring the monthly limit, you have an insight into the remaining amount that you can still pay using PBZ Digital Banking.

For example, if you had HRK 1,000.00 daily transactions for five days, the remaining monthly limit is HRK 45,000.00. However, the daily limit will return to HRK 50,000.00 every day.

You can reduce the daily and/or monthly limit independently in your online banking, and if you want to increase them, you can do so in the Bank’s branch office.

Limit usage is equally affected by online and mobile transactions.

How do I receive a PDF receipt of a received payment?

In the Payments menu, select the Payments list submenu, within which you will find details on executed payments.

You will find a PDF receipt with individual payment. Selecting the three dots in the row containing the payment, or clicking payment details will open the details, and will also offer the PDF receipt.

You may download the PDF receipt after the payment, on the successful payment confirmation screen.

Where do I find details on executed payments and scheduled orders?

In the Payments menu, select the Payments list submenu, within which you will find details on the following:

• to do (prepared) payments
• pending payments. Here, you will find scheduled payments (payments with a future execution date) and payments awaiting execution in the payment system (payments abroad)
• executed payments
• failed payments.

How do I buy a GSM voucher?

• select the GSM voucher menu, and then Buy new voucher
• select the account to be charged, type and amount of the voucher
• on the next screen, you will see the selected voucher details
• selecting Continue opens the authorisation screen
• authorise the purchase by entering the single-use password generated by the authentication device

How do I set up a standing order?

• in the Payments menu, select the Standing orders/Direct debits submenu
• in the Standing orders menu, select New standing order. Direct debits are not offered.
• if you do not use the #withSIGN service, the system will request its contracting in this step
• if you are a #withSIGN user, you will continue to set up the standing order (account to be charged, amount, recipient account number, first due date, frequency, revocation, model and reference number, payment description)
• on the next screen, you will see the chosen standing order elements
• the next step shows the contractual documentation to be accepted to continue with the standing order contracting
• selecting Continue opens a screen where you can sign the contract with a qualified electronic signature: enter the certificate password, and confirm it with a single-use password generated by #withKEY
• after contracting your standing order, you can see it in the Standing orders/Direct debits menu, and the contractual documents can be found in the application Settings, submenu My documents - My contracts

I want to create a template for frequent payment obligations

• in the Payments menu, select the Beneficiary list and templates submenu
• select New beneficiary in the upper right corner to show the screen to enter the identifier and template. The identifier is used so that you can save several different templates under the same IBAN.
• first, on the Identifier screen, enter the name of the account owner and account nickname, then select Add identifier
• on the next screen, select the account or phone number from the contact list and enter the name of the account owner and its IBAN
• to add an identifier, select Add in the upper right corner
• confirm adding identifiers to a recipient by selecting Completed in the upper right corner
• now, select the second tab, Template, and create the template by selecting Add template
• enter template nickname and the amount, and, in the upper left corner, select Add to save template

You can add several Identifiers under the same recipient. In addition, under the same recipient account, you can create several different templates (the templates can differ in amount, payment description, reference number etc.).

How do I buy or sell currency?

• in the Payments menu, select the Transfer to Myself and Currency Exchange submenu
• select the selling account and currency
• select the receiving account and currency
• enter amount
• select Continue and authorise the payment

What are Easy Transfers?

Easy Transfers are a functionality which allows payment transactions between User accounts without transaction authorisation processes. You can choose whether or not to use this option, and authorise your choice. You can also deactivate this functionality on your own, after which the authorisation procedure will apply for every individual payment order of this type.

How to transfer funds between accounts that I own or am authorised to use?

• on the home screen, within the Payments menu, select the My payments submenu
• select the account to be charged and the recipient account, and enter the desired amount and payment description
• select Continue and verify the filled order
• if the filled data are correct, select Continue to authorise the order

What is TDS and how to authorise TDS transactions?

TDS (Transaction Data Signing) is a payment transaction which is not directed to a recipient account which is listed in the Recipient List and marked as a Confirmed Account.

Consent to TDS payment transactions is provided in the authorisation interface by entering the authentication code generated and linked to the transaction amount and payment recipient, using Smart authorisation (sending an automatic message), #withKEY (scanning a QR code) or a card reader.

How do I authorise transactions?

You can authorise transactions in the following ways:

1.   Smart authorisation

• after filling the payment order, the app sends an automatic notification to your phone number
• when receiving the notification which contains the elements of one or several payment orders, authorise the transaction by entering your PIN or using the biometric method in the appropriate section of the mobile app

2.   #withKEY (QR code)

• after filling the payment order, the desktop app screen will show the QR code containing elements of one or several payment orders
• start the #withKEY authentication system and use it to scan the QR code
• transaction elements will show on the mobile app screen
• authorise the transaction by entering your PIN or using the biometric method in the appropriate section of the mobile app

For certain payment transactions, the authorisation is done by entering the generated #withKEY code in the designated field on the authorisation screen of the desktop app.

3.   CAP card reader

• place the card into the reader
• select TDS function on the reader
• enter the PIN into the reader
• press OK to confirm
• enter the last 4 digits of the IBAN into FIELD 1
• press OK to confirm
• enter the amount, without decimal characters, into FIELD 2
• a TDS code will be shown

For certain payment transactions, the authorisation is done by entering the generated single-use password (Response) in the designated field on the authorisation screen of the desktop app.

How do I fill in a payment order?

• in the Payments menu, select the Pay someone submenu
• select the account to be charged, enter recipient name and enter the account number of the recipient
• enter the amount and, if required, the model and reference number, and enter payment description
• you can change the date of the order by choosing More fields at the bottom of the screen. That way, you can create a future order.
• if you want to pay individual orders, select Continue and authorise the payment
• if you want to prepare several orders and send them for payment using a single authorisation, select Save for later and start filling a new order