Payments

I am opening a transaction account

 Open a transaction account quickly and easily – fill in the forms, attach the required documents and submit them to your nearest PBZ Sinergo desk. 
A list of detailed information about PBZ Sinergo desks is available here, while the list of required documents is available here 

PBZ transaction accounts allow you to:

•    receive payments into the account in HRK and foreign currency (When is the received money visible?)
•    issue payment orders in HRK and foreign currency (When would the order be executed?)
•     make payouts and payments of funds at ATMs and vaults using the VISA business electron card in Croatia and abroad
•    pay at POS devices using VISA business electron cards in Croatia and abroad
•    use all the benefits offered by the American Express card
•    24/365 access via PBZCOM@NET Internet banking or PBZ365
•    24/365 access via mPBZCOM mobile banking
•    use the largest network of branch offices in the Republic of Croatia
•    account statement
•    numerous other options offered by Privredna banka Zagreb

Documents required for opening an account for regular transactions (account type "11" or "18")
Legal entities:

•    Proof of legal subjectivity (Decision on entry into the court registry or the registry of the competent authority, if the entry in the register is prescribed – act by the competent authority on establishment; if the business entity is not entered in the register and is not established under the law, an excerpt from the law if the entity has been established based on law)
•    Notice of Classification according to the National Classification of Activities (by CBS), which contains the PIN
•    Copy of an identification document and of the PIN confirmation by the authorized representative of a business entity and all the signatories listed on the Signature Card.

Craftsmen:

•    Proof of legal subjectivity (Decision on entry into the Trade Register)
•    a certified Contract on partnership (in the case of a joint trade)
•    a certified copy of the trade license or privilege (or a copy with submitting the original trade license/privilege for review)
•    A copy of an identification document and of the PIN confirmation of the account owner and all the signatories listed on the Signature Card

Free professions (medical professionals, professional athletes, football players, translators, professional artists and the like):

•    Proof of legal subjectivity (Decision on entry into the Crafts Register at the competent authority)
•    A copy of an identification document and of the PIN confirmation of the account owner and all the signatories listed on the Signature Card
National minority members:
•    Proof of legal subjectivity (certificate of the election of a representative of national minorities issued by the Ministry of Justice, Administration and Local Government)
•    A copy of an identification document of the account owner and all the signatories listed on the Signature Card
Documents required for opening an account for the business operations of the organizational part of a business entity (account type "14")
•    Proof of legal subjectivity (Decision on entry into the court or trade register or the register of the competent authority, or the act of a business entity, which shows that a part of the business entity may have a sub-account)
Documents required for opening an account for special purposes (account type "13" or "15")
Proof of the grounds for opening an account:
•    For account type "13", it is necessary to submit an excerpt from the Act or other regulation under which the funds in that account are exempt from the execution of orders for payment
•    For account type "15", it is not necessary to submit any additional documents
 

Forms - transaction Account

Service fees on domestic and foreign payments

Obavijest

želimo Vas obavijestiti da će usluga FINA e-Račun od 31. ožujka 2021. biti dostupna u PBZ digitalnom bankarstvu.
Privredna banka Zagreb kao predvodnik u primjeni novih tehnologija na tržištu prva je banka u Republici Hrvatskoj koja je u svoje PBZ digitalno bankarstvo u potpunosti integrirala uslugu FINA e-Račun. 

Od 31. ožujka 2021. usluga FINA e-Račun bit će dostupna svim korisnicima PBZ digitalnog bankarstva za poduzetnike koji posjeduju valjani FINA poslovni certifikat ugovoren putem PBZ-a. 
S integracijom FINA e-Računa u PBZ digitalno bankarstvo mijenja se i način naplate naknade za klijente koji su uslugu FINA e-Račun ugovorili putem PBZ-a na slijedeći način: 

• naplatu naknade za izdane e-Račune koju je do sada obračunavala i naplaćivala FINA od 1. svibnja 2021. (za e-Račun za travanj 2021.) obračunavat će i naplaćivati PBZ, kroz Vaš redovan račun  platnog prometa. Iznosi naknada ostaju nepromijenjeni i usklađeni su s FINA naknadama
• razdvaja se obračun i naplata mjesečne Naknade za usluge e-servisa po korisniku i to na: posebnu mjesečnu Naknadu za korištenje servisa e-Račun te posebnu mjesečnu Naknadu za korištenje ostalih FINA e-servisa. Iznosi naknada također ostaju nepromijenjeni.

Ove promjene stupaju na snagu 1. travnja 2021.

* Ova usluga razvijena je u suradnji s FINA-om i sufinancirana instrumentom Europske unije za povezivanje Europe. 

______________________________________________________________________________________

Privredna banka Zagreb d.d, as one of the first banks in the Republic of Croatia, introduces a new SEPA Instant credit transfer service (Instant payments) in HRK from 29 October 2020. By introducing the new service, the legal and natural entities would be able to issue and execute Instant payment orders in HRK in all channels operated by the Bank. The specific features of Instant payments compared to other services on the market are the following:
• the payee’s and payer’s bank must participate in the HRK SCT Instant scheme
• it is possible to issue Instant payment orders up to the amount of HRK 100,000 per transaction
• 24x7x365 service availability – it would be possible to execute a transaction any day of the year, 24 hours a day, regardless of whether it is a working or non-working day
• the expected time for the execution of the transaction is 10 seconds from the verification of the received Instant payment order, regardless of whether the payer and the payee are at the same bank.
In short, the new Instant payment service in HRK would allow the Bank’s clients to make fast and efficient payments up to the amount of HRK 100,000 where, within the expected 10 seconds, the funds would be transferred to the payee regardless of the bank in the Republic of Croatia in which the payee has a transaction account, under the condition that both the payee’s and the payer’s bank participate in the newly established payment scheme. We expect the introduction of the new service to improve the payment dynamic in the Croatian market, but also to create sufficient room for the introduction of new products and services in the Transaction banking domain.
The introduction of a new service has resulted in the adoption of a new Pricelist for transaction banking services, which is available at: https://www.pbz.hr/uvjeti-poslovanja/pravne-osobe/naknade.html and in effect from 1 November 2020.
The most significant changes are the following:
• Instant payment fee in the amount of HRK 3 per order
• fee for external electronic payment orders in the Bank’s channels, HRK 3 per order
• fee for internal electronic payment orders in the Bank’s channels, HRK 2 per order
• harmonization of fees for SEPA direct debits in HRK with external and internal electronic payment orders
• harmonization of fees for SEPA payments with external and internal electronic payment orders
• fee for transaction account maintenance of HRK 30 per month
• Fee for the preparation of an order for the payment or transfer of funds, HRK 150 per order
The changes in the Transaction banking services pricelist were necessary due to the adjustment of the Bank’s cost structure in the process of development of new products, harmonization with the regulatory requirements and the execution of the transactions in question

You can download service fees on domestic and foreign currency payment transactions here 
 

Fees For Payments

Archive - Fees

SEPA

SEPA (Single Euro Payment Area) is a unique payment system for payments in EUR, within and between member states of the EU/EEZ.  Obtain timely information about all the changes brought by the SEPA payment system, the effective date of the new rules for payment transactions, the obligations in the transaction market and whom they belong to, how everything being said affects the business transactions of your company and alike, by visiting the website SEPA.hr – where you can find a bulk order CONVERTER in pain.001. and instructions for using the converter.
Since 6 June 2016, the Unique summary of basic models of “reference number” is being used, with the following changes: 
•    the content of the reference number must correspond to the model, otherwise the payment order shall not be executed
•    introduction of the HR69 model with P3 (third data in the reference number) from the Codebook of the types of personal benefits and other personal income
•    compulsory use of the HR00 model when the reference number content is not under control
•    compulsory use of the HR99 model in cases when there is no content in the reference number
•    text supplement with the HR34 model (additional explanation of the use of this model).
Certain information may be verified in the info leaflet: SEPA 2016.
SEPA DIRECT DEBIT 
From 5 June 2017, the use of SEPA direct debits under the rules of the Basic and Business HRK SDD Scheme began in the Republic of Croatia.
 Direct debit is a payment service for debiting the payer's account when the payment transaction is initiated by the payee using the payment service provider.   
 The benefits of direct debits enable:
- facilitated business operations
- more secure execution and more efficient charging within the previously defined deadline
- more efficient liquidity management and repayment of receivables
- a standardized format for payment files
- the option of sending payment files through just one bank
 Technical adjustments on the side of the payee:
- creating a payer's consent database
- adjust the payment file in XML format according to ISO20022 standard – pain.008;
- adjust the delivery of order status information and prescribed codes – pain.002;
 The required documentation and final formats are available on the official SEPA website http://www.sepa.hr/upute-za-korisnike/.
Detailed rules and conditions are defined in the Rules of the Basic and Business SDD HRK schemes, which you can find on the official website: http://www.sepa.hr/upute-za-korisnike/sheme-za-sepa-izravno-terecenje/
You can also become the initiator of the direct debit order and enter into a SEPA direct debit contract with us.
For any further information, contact your Client Relationship Manager. 
 

Non-residents

In operations with foreign businesses Privredna banka Zagreb d.d., performs tasks including opening and managing accounts, and providing all banking and advisory services to clients.
The Bank’s forms required for the opening of an account are available in the Croatian language at link, and in the English language at link (create a link to the documents, they are here among the forms https://corp.pbz.hr/hr/tvrtke/nerezidenti?sektor=Footer%20Bottom) 

Non-resident Bank clients can be:

legal persons domiciled abroad, representative branches of foreign legal persons in the Republic of Croatia, sole traders, craftsmen and other natural persons domiciled or residing abroad, who are self-employed and engaged in business activities abroad for which they are registered, foreign diplomatic and consular missions in the Republic of Croatia, other organizations and bodies with headquarters outside the territory of the Republic of Croatia, which on the basis of bilateral or multilateral international agreements ratified by the Republic of Croatia operate in the territory of the Republic of Croatia, foreign associations and similar, natural persons residing abroad and branches of resident companies doing business abroad.
The Bank opens an account pursuant to the request for opening and managing a non-resident, non-consumer transactions account accompanied by all the legal and other documentation established though regulations and the Agreement on Opening and Managing a Transaction Account, and performing payment and other services signed by the authorized person of the non-resident.
Status Documentation of the Client to Open an Account, if the Client is:

Non-resident – a foreign legal person, sole trader, craftsman, other natural person who is self-employed and engaged in an economic activity abroad for which it is registered or a branch of the resident company doing business abroad:

• a statement from the register in the country of registration in which it has its headquarters or, if it is established in a country where no such register exists, another valid registration document in accordance with the regulations of the non-resident’s domicile from which the legal form of the non-resident and the time of establishment are evident. The document must not be older than three months, or more if necessary for due process of the non-resident’s domicile, with mandatory documentation thereof. The document must be original and contain a certified translation into Croatian or English. A certified copy of the document or a statement from the register of the competent authority, certified by a notary public, can be accepted instead of the original. In this case, the notary public’s certificate shall bear the date of consulting the register or the date of issuance of the statement from the registry.
• a certified copy of the identification document of authorized persons, if natural persons authorized to do business with a non-resident account don’t personally come to the Bank;
• the last annual financial report on the operations of a non-resident in the home country or in the country where it performs its registered activity, certified by an audit firm or registered by the tax authority. A non-resident who has been operating for less than a year submits a financial report on operations for the previous period of operations in the current year. If a non-resident is not required to create financial statements in the home country, such non-resident shall submit a document on paid taxes;
• a certificate of the personal identification number issued by the Croatian Ministry of Finance – Tax Administration.

Foreign diplomatic and consular representative branch, representative branch of the United Nations and other international organizations:

• certificate of the Ministry of Foreign Affairs and European Integration of the Republic of Croatia that the representative branch is registered in the records of the Ministry, with the enclosed list of notified persons; not older than three months;
• a certified copy of the identification document of authorized persons, if natural persons authorized to do business with a non-resident account don’t personally come to the Bank;
• a certificate of the personal identification number issued by the Croatian Ministry of Finance – Tax Administration.
• International mission operating under an international act:
• certificate of accreditation of the international mission of the competent authority in the Republic of Croatia from which the full name of the mission and the name of the international act on the basis of which the mission operates are visible; not older than three months;
• a certified copy of the identification document of authorized persons, if natural persons authorized to do business with a non-resident account don’t personally come to the Bank;
• a certificate of the personal identification number issued by the Croatian Ministry of Finance – Tax Administration. 
• A representative branch of a foreign legal person performing an economic activity abroad:
• statement from the register of the representative branch kept by the competent authority in the Republic of Croatia; not older than three months;
• a certified copy of the identification document of authorized persons, if natural persons authorized to do business with a non-resident account don’t personally come to the Bank;
• a certificate of the personal identification number issued by the Croatian Ministry of Finance – Tax Administration.

Foreign associations, representative branches of foreign foundations and other non-profit organizations operating on the Croatian territory:

• statement from the register kept by the competent authority in the Republic of Croatia; not older than three months;
• a certified copy of the identification document of authorized persons, if natural persons authorized to do business with a non-resident account don’t personally come to the Bank;
• a certificate of the personal identification number issued by the Croatian Ministry of Finance – Tax Administration.
   

Contact

Address: Radnička cesta 50, Zagreb

Tel: 01/ 63 60 774
Tel: 01/ 63 61 089
E-mail: pbz.nonresidents@pbz.hr

Collections from abroad

For foreign currency collection from abroad, it is necessary to provide the following information to the partners:
•    full name and the address of the beneficiary
•    IBAN or account number
•    BIC (SWIFT address) of the business bank
•    BIC (SWIFT address) of the Privredna banka Zagreb d.d. is PBZGHR2X
Information on the IBAN and BIC code (SWIFT address) enables efficient order processing and faster approval of your account.
BIC – Bank Identifier Code or a SWIFT address is a unique international code/address of the bank.
BIC (SWIFT address) of the Privredna banka Zagreb d.d. is PBZGHR2X and you are required to submit it, among other data, to your partners for foreign currency collection from abroad.
Information on the BIC code (SWIFT address) enables efficient order processing and faster approval of your account.
IBAN – International Bank Account Number is a unique international identifier of the client's account at the bank, determined in accordance with the international standards of the European Commission for Banking Standards ISO 13616.
The IBAN was introduced on 1 July 2003 through an agreement between the EU Member States and is one of the basic conditions for the automatic processing of payment orders in the banks of the European Union.
The IBAN contains a maximum of 34 alphanumeric characters that precisely identify the state, bank and the client's bank account. Such account determination enables automatic orders to the client’s account.
If the IBAN is not specified in the payment order, foreign banks subsequently charge for the processing costs.
If you are submitting a payment order electronically, the IBAN is entered without empty fields or spaces, while on a paper payment order, each of the four characters must be separated by one blank space.
 

Documentary collection

Documentary collection is a written order from the exporter to the Bank to deliver to the importer the presented documents on the basis of which an importer has access to the goods, but only under certain conditions of payment (by paying, accepting bills of exchange or the fulfilment of other agreed conditions).
The advantages of documentary collection are simple procedure, low cost and an equal risk for business partners.
However, two basic conditions must be met if you decide to use documentary collection:
•    entities in foreign trade must be mutually recognized as reliable business partners, and
•    the economic, political and legal environment in the buyer's country must be stable and without special import and foreign currency restrictions.
Depending on your requirements and needs, we are offering the following types of documentary collection:
•    Documents against Payment (D/P), delivery of documents with payment;
•    Documents against Acceptance (D/A), delivery of documents with the acceptance bills of exchange;
•    Acceptance Documents against Payment (Acceptance D/P) – collection with acceptance – delivery of documents with payment