Apple Pay
This is why you’ll like it
Simple
Pay quickly and securely using your Apple devices
Fast
Place your mobile phone near POS terminal and confirm the transaction
Safe
Your card data are protected and out of harm's way
NEW!
Apple Pay is now also available to users:
- Premium Visa cards* and
- Mastercard cards od Privredna banka Zagreb
Make your contactless payments easily, quickly and securely - all you need is an Apple device and a Premium Visa/Mastercard card.
* available for Premium Visa Gold, Premium Visa Platinum, Premium Visa Infinite and Premium Visa Business Platinum cards issued by PBZ Card.

Add your card
Simply add your PBZ Visa Inspire/Premium Visa and/or PBZ Mastercard to the Apple Wallet on your Apple device and discover a new contactless payment experience.

Discover all inovative functionalities
1. What is Apple Pay?
The Apple Pay service is not a product of the Bank, but an iOS platform that provides PBZ clients with an additional contactless payment option using an Apple mobile device or watch, and a fast, easy and secure way to make payment transactions.
The service is based on NFC technology, which enables contactless payments..
2. How can I contract the Apple Pay service?
On mobile devices that support the use of this service, it can be activated using Apple Wallet, which is a built-in iOS application.
If you are a user of PBZ digital banking and Visa Inspire card, Apple Pay can be contracted also within the PBZ digital banking mobile application.
3. Do I have to come to a PBZ branch office in order to contract the Apple Pay service?
No. Clients of Privredna banka Zagreb who are users of a Visa Inspire current account card can contract the Apple Pay service and card virtualisation in two ways:
- using PBZ digital banking
- using Apple Wallet, which is a built-in iOS application.
If you are a client of Privredna banka Zagreb and you are not a user of PBZ digital banking, you can contract it at any branch office and take advantage of the unique user experience on all devices as it is a modern, fast, easy and secure way to conduct payment transactions and contract new services and products offered by the Bank.
Users of PBZ Card Premium Visa and PBZ Mastercard cards activate the Apple Pay service and card virtualisation via Apple Wallet, which is pre-installed in the iOS operating system.
1. What are the minimum technical requirements for using Apple Pay?
You can use Apple Pay on your mobile phone running iOS 11 or lower. The listed version includes the following devices: iPhone 6, iPad mini 3, iPad Pro, Apple Watch 1 and all newer phone, tablet and clock models.
Via Apple Watch, Apple Pay can also be used with iPhone 5 and 5c mobile devices.
2. Are there any other prerequisites for a user's mobile device that must be met for Apple Pay contactless payment?
In the settings of the mobile device, the client has to set the method of unlocking the mobile device screen to: passcode, pattern, Touch ID or Face ID. If a security check for unlocking the mobile device is not set, Apple Pay cannot be activated.
3. What happens when a client using Apple Pay disables the security check option for unlocking the device in the mobile device settings?
In this case, the card is automatically deleted from the Apple Wallet. The Client, if they wish to use the Apple Pay service again, will have to enter the card into the Apple Wallet in the same way as the first time.
1. What cards can be added to Apple Pay?
Apple Pay is currently available for:
- Visa Inspire Card of PBZ current account in EUR
- PBZ Card Premium Visa (Premium Visa Gold, Premium Visa Platinum, Premium Visa Infinite and Premium Visa Business Platinum cards), and
- PBZ Mastercard cards.
We will notify you in due time about the inclusion of other PBZ debit and credit ards in Apple Pay.
2. Can the same card be added to Apple Wallet across multiple mobile devices?
Yes. One client can add their card to Apple Wallet on multiple mobile devices. When adding a payment card to the mobile device, it will be tokenized (the card number is replaced by a unique identifier - a token), which further increases the security of the entire service.
3. How many cards can I include in my Apple Wallet on the same device?
Depending on your device, you can add 8 to 12 cards to Apple Wallet on one device. On the iPhone 8, Apple Watch Series 3 and later, you can add up to 12 cards to a device while on earlier models, you can add up to eight cards to a device.
In this case, in the settings of the mobile device, it is necessary to choose which card will be the primary charge. Settings → Wallet and Apple Pay → Standard card.
4. Do I use a PIN associated with a physical card when making an Apple Pay payment?
No, the PIN associated with the physical card is never used as an authentication method when purchasing with Apple Pay. Payment by Apple Pay is always authenticated using one of the ways set to unlock your mobile device screen (passcode, pattern, Touch ID or Face ID).
1. How do you set up the Apple Pay service and add a Visa Inspire/Premium Visa/Mastercard card?
Set-up on mobile devices and tablets
- Go to the built-in Wallet app and tap "+" to add a card.
- Place your card in the camera frame to automatically enter your card information (name and surname and card number).
- Then enter the expiration date and the card security code
- Accept the Terms and Conditions and confirm the phone number to receive a one-time password to activate the service
- You will receive an SMS with a one-time password (OTP) for activating the Apple Pay service and the service will immediately become ready for use. Alternatively, you can contact the Bank's Call Center, which (after verifying the user's identity) will activate the Apple Pay service.
Set-up on Apple Watch
- Select the built-in Watch app on your iPhone. If the mobile phone is not paired with the watch, you will need to select "Start pairing" to connect the two devices
- Then select My Watch
- Select Wallet & Apple Pay from the menu
- You start the activation process by selecting Add Card and then Continue
- If you already have an active card in your Apple Wallet on your iPhone, you only need to enter the security code of the already active card in order to activate it on the Apple Watch as well
- To enter a new card on the Apple Watch, you need to complete the process for adding a card (place the card in the camera frame, confirm the expiration date and security code, accept the terms and conditions, and enter the one-time password that will be provided by SMS)
2. How to set up the Apple Pay service and add Visa Inspire card - for PBZ digital banking users?
- In the menu of the PBZ mobile banking app, select Kartice (Cards).
- In the Moje kartice (My cards) menu, select Debitna kartica (Debit card) and the icon Dodaj u Apple Wallet (Add to Apple Wallet).
- Select Dalje (Next) to confirm your name, surname and card number
- Read and accept the Terms and Conditions for the Apple Pay service.
- The card has been successfully added to the Apple Wallet and the Apple Pay service is ready for use
3. How to deactivate Apple Pay service?
In the Wallet application, you need to select the card that is already activated and deactivate it from Apple Pay by selecting "Remove this card" at the bottom of the screen containing the card details.
4. Where can I use Apple Pay to make payments?
Use Apple Pay wherever you see icon (Apple Pay and contacless payment icon) when making payments at all points of sale that accept contactless Visa/Mastercard cards and Online stores that accept Apple Pay.
5. How to make an Apple pay payment at a point of sale?
Follow these steps to make a payment:
Payment using a mobile phone or tablet
- Hold your mobile phone against the POS device at a point of sale that accepts contactless payment using a Visa/Mastercard card (if the POS device did not detect the mobile phone, you need to double-click "Home", which will activate Apple Pay)
- Unlock your mobile device screen (by entering a passcode, pattern, Touch ID or Face ID) and hold your mobile device against the POS device
- The transaction has been successfully completed
Payment by Apple Watch
- Hold your Watch against the POS device at a point of sale that accepts contactless payment by Visa/Mastercard card (if the POS device did not detect the Apple Watch, you need to double-click the button on the side in order to activate Apple Pay)
- Before the first transaction, it is necessary to unlock the watch screen by entering the password to unlock the device
- Each subsequent transaction does not need to be further authorized as long as the watch is on your wrist; it is enough to just put the watch against the POS device and the transaction will be completed
- After removing the watch from your hand, in order to make another payment using Apple Pay on your Apple Watch, you will need to unlock the watch screen by entering the password to unlock your device
1. Is there a fee for using Apple Pay?
No, there is no fee for using Apple Pay.
2. Is there a daily limit for Apple Pay payments?
Apple Pay has the same limits as a physical card, which means that a client can use the app to make the same payment amounts as with a physical card.
1. Is Apple Pay a safe and secure method of payment?
Yes, because the payment card information is tokenized and the token is unique to the device and cannot be linked to the actual payment card information. Actual payment card information is never transmitted in a payment transaction, thereby preventing fraud or misuse.
2. Can I use Apple Pay for making instalment payments?
No, Apple Pay cannot be used for instalment payments. Only lump-sum transactions are possible.
3. What should I do if I lose my mobile phone that has the PBZ Mobile Banking and Apple Pay service installed on it?
In case of the loss, theft or misuse of a mobile phone with a PBZ mobile banking app and the Apple Pay service installed on it, you have to promptly notify PBZ Card by telephone 01 489 13 33, e-mail to info@pbzcard.hr or pbz365@pbz.hr (for PBZ Digital Banking users) or by visiting the nearest PBZ branch office.
Additionally, in case of loss or theft, you can use iCloud to find and lock your mobile phone and remove all your cards from the Apple Wallet (select My Devices in the settings).
4. If the Bank replaces my physical card (regular renewal, replacement due to damage / change of personal data, loss reporting, etc.), should I add the new card to Apple Wallet?
If for some reason the Bank has replaced the payment card you added to Apple Wallet, in order to continue using Apple Pay, you will need to add the new card to Apple Wallet in the same way as when you first signed up.
5. Is it necessary to reactivate Apple Pay and add the card to the Apple Wallet in case of a mobile device operating system upgrade?
No reactivation is required. In the case of any iOS upgrade, the payment card you added remains active and ready to use.
6. By activating the Apple Pay service, am I entering into a contract with Privredna banka Zagreb or a third party?
You enter into a contractual relationship with Apple Distribution International and the Bank has made it possible to add payment cards to Apple Wallet and use the Apple Pay service.