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PBZ internet banking

Manage your finance easy, fast and secure from any device with internet access

This is why you'll like it


Banking services wherever you are and whenever you need them


Use it on whichever device you choose and enjoy a unique experience


Useful information & security advice is available on the login screen

New version of the mobile app

To continue using PBZ mobile banking smoothly, you need to download the new version of the app from the app store: App Store, Google Play Store or Huawei AppGallery. The availability time of the new version of the app depends on the individual app store - please check the availability:

  • enter PBZ mobile banking
  • select Update

Do not delete the mobile banking app during the update.

Discover what`s NEW!

In the event that the new version of the mobile app is not visible in the list of applications to be updated, enter PBZ mobile banking in the store and check the availability of the update directly by clicking on the app icon.

Special offer

Contract PBZ Digital Banking until June 30, 2023 and get a special benefit: no monthly membership fee for the first three months of using the service for new users!

PBZ Digital Banking adjusted to the euro

PBZ Digital Banking adjusted to the euro!

Continue to manage your finances in the new Croatian currency. Find out all the important information in the leaflet.
Finance 24/7


  • monitor your account, term deposit, loan and credit card balance and activities at the Bank
  • explore the savings and investment fund offer according to your wishes and needs
  • make payments in HRK or EUR with lower fees than in branches 
  • more favorable exchange rate (0.15%) when buying and selling currencies
  • contract Bank products and services online using the #withSIGN digital signature
Cardless cash withdrawal from ATMs

Cardless cash withdrawal from ATMs

Forgotten your bank card? #withCASH enables quick and simple cash withdrawals from ATMs using a single one-time authorization code

  • In just a few simple steps - choose the amount, pick the code (which lasts for a limited time and the chosen amount), and withdraw your cash.
  • #withCASH is safe! To ensure maximum security, the code is temporary. It only lasts for 60 minutes.

You can use the generated code yourself or you can use the options provided by your mobile device to share it with a person who doesn’t have to be the Bank’s client.

Login into Internet banking

Login into Internet banking

You can access your online banking by selecting Login in the upper right corner of the website. You can login in, as before, by using authentication devices:

• In the Username field, enter the User ID from # withKEY
• Enter the generated #withKEY code in the One-time password field.

Speed up your application:

f you use both the PBZ mobile banking application and PBZ Internet Banking, you can accelerate your internet banking login. After the first login in PBZ Internet Banking, you will see the Smart Activation screen. By activating this option, you no longer need to enter a User ID and the system will recognize you with a welcome message.
By selecting the Send notification option, you'll receive at the same time an automated Login request message to the mobile device using the PBZ mobile banking application.
Open this automatic message and enter PIN/biometric ID for PBZ mobile banking application.

Card reader

  • Enter the bank card number without spaces in the Username field
  • Enter the PIN card in the reader and a one-time password will be displayed
  • Enter the password you received without spaces in the One-time password field

PBZ mToken

  • Enter the PBZ mToken serial number in the Username field
  • Enter the one-time password generated by PBZ mToken in the One-time Password field
Mobile token #withKEY

Mobile token #withKEY

There is no more need to worry about where you last left your physical token device or card reader. Use the mobile app’s built-in #withKEY function to access PBZ online banking and authorise internet banking transactions.

Find the #withKEY functions directly on the login screen. Enter your PIN or use biometric scanning to create a secure one-time password.

Using the #withKEY function, you can get one-time passwords for additional security, since you will need your personal PIN or biometric data to access the function. Every generated one-time password is valid for 90 seconds, after which you can simply request a new one.

Personalise your experience with the bank

Personalise your experience with the bank

Bank experience only for you

Overview and manage your digital banking settings, activate and personalize additional functions or adjust the profile to your needs.
Why wouldn't you upload a profile picture, add a nickname, adjust your settings and chose from a range of functions in a way that suits your needs? Your banking, your way.

Adjust the profile to your needs with the following options: 

  • Enable the Easy transfer function and make transactions and transfer money between your own accounts, without authorizations for each transaction.
  • Adjust the elements of the Main View widget to suit your preferences.
  • Browse and manage transaction limits related to digital banking.
  • Turn on the Quick balance overview and check the current status of your selected account without logging in. You can also sign up for the #withPAY service for easy instant payments.
  • Change your recovery code using the mobile application so that you can renew your user profile on your own.
  • Activate the #withSIGN function and you will have a qualified electronic signature that will allow you to sign up for new banking products digitally.
  • Control your Notifications and decide which alerts you need to track your daily finances.
Contracting products and services online

Contracting products and services online

You can fully contract products online with a qualified electronic signature.

#withSIGN is a qualified electronic signature with the same legal effect as a handwritten signature. It is protected with a certificate password, which makes it completely secure, and it can be used for signing Internet contracts for banking products and services such as fast loans or #withSAVE daily savings.

The advantages of the #withSIGN digital signature:

  • the simpler contracting of new products and services without having to go to the bank
  • the contracting process is fully digital, you can read the legal documents when you have the time and sign them with a secure password-protected digital signature
  • it is paperless
The simple mobile top-up whenever you need it

The simple mobile top-up whenever you need it

With us, topping up mobile device credit is no problem at all.

When you know you will soon need to top up your mobile device credit, the solution is in your pocket. Simply use PBZ digital banking to buy mobile phone credit for yourself or for family members and friends who need it. You can buy credit for mobile devices from the main mobile operators in Croatia. When using this PBZ mobile banking function, you can immediately activate your mobile phone credit and add a payment to your mobile device account. If you have bought credit for someone else, simply share it through one of a range of channels (Facebook Messenger, WhatsApp, Viber, SMS or email). 

All your recent mobile device credit purchases are saved automatically so you can copy them when necessary. 

Activation of mobile application

Activation of mobile application

To use the PBZ digital banking mobile application, you need to download the PBZ mobile banking application from the AppStore, Google Play store or Huawei AppGallery.

Once you have downloaded the new mobile app, you need the registration codes that can be activated it two ways:

1.  By login into the PBZ digital banking desktop application (using #withKEY, PBZmToken or card reader) 

  • in the upper right corner of the desktop application, select the user icon and select Settings
  • a screen opens with the options offered for managing the service and in the Device, select Mobile banking app
  • select Redistribute to create new codes

2. Request the issuance of registration codes at the PBZ branch office


Remote Offers

Without going to the branch it is possible to:

  • contract and use a particular product or service,
  • change the conditions for certain products and services that you already use

Personalized offers are in the My Offers section and are accepted by signing the document with the advanced electronic signature #withSIGN, which is equally valuable to your own handwriting.

Learn more

Fast Instant Payments

Transfer the funds to the recipient in another bank in just 10 seconds!

The new Instant payment service enables all PBZ clients, citizens and business entities, a fast and efficient service in making and executing Instant payment orders in kunas to a transaction account in another bank in Croatia by means of all the bank channels – at a PBZ branch, through PBZ Digital Banking (mobile and desktop app), PBZCOM@NET.

  • transactions can be made any day of a year, 24 hours a day, regardless if it is a business or non-business day
  • the transaction is made and the funds are available on the recipients’ account within 10 seconds at most (with precondition that the bank of the payer and the bank of the payment recipient are participating in the NKSInst payment system)
  • Maximum amount per transaction – up to EUR 13.273,00 (HRK 100.000,00)

Learn more


When contracting PBZ Digital Banking, a User Number is assigned, and when you activate the mobile application you define a Recovery code.

A User Number is used for:

  1. access to the internet banking application using #withKEY
  2. reactivation of the mobile application along with the Recovery code

We suggest that you remember or save your User Number and Recovery code so that you can access at any time the information needed to reactivate your mobile application without having to enter registration codes.

Contract your digital banking
Step 1
Find your nearest PBZ BRANCH

List of branches
Step 2
Prepare your PBZ bank card and a valid identity card
Step 3
Contract the digital banking following the steps on the signature pad
Step 4
Activate your new mobile banking via your internet banking
  • There is no one-time registration fee.
  • The On-line banking service [PBZ digital banking] enables the use of mobile and Internet banking with a monthly membership fee of EUR 1,59 (HRK 12,00)) which can be reduced based on the Innovation award program.

Discover all inovative functionalities

Manage your finance anytime, anywhere!
Do you need help?

We will answer all your questions

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