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Inovacija

Create your package and achieve numerous savings.

This is why you’ll like it

Savings

Granting discounts for specific types of fees and interest

Flexibility

You can pick the product groups you want to use

Simplicity

By picking at least 3 product groups, you automatically become a user

Managing Inovacija discounts
Managing Innovation discounts
Managing Inovacija discounts
With digital banking, you can easily manage your finances from home or wherever you are
Check how many product groups you’re using
Find out the details on the discounts you achieve with Inovacija
You can increase the number of product groups by contracting products online using #withSIGN

Savings programme


If you’re using 3 or more product groups at PBZ and/or members of the PBZ Group and you conduct your business orderly, you automatically become a user of Inovacija and you can achieve discounts on specific types of fees and interest.

By using more product groups, the prices of individual product fees are lowered for up to 30%.

How to become a user of Inovacija

How to become a user of Inovacija

  • a person who is a user of a certain number of product groups (at least three product groups) and conducts their business orderly, automatically becomes a user of Inovacija
  • the amount of the granted discount on fees will be shown as a special transaction in the balance of your current account in HRK and a foreign currency, giro account in HRK and a foreign currency, PBZ Indeks plus student packages or cards
  • by receiving an account or card statement and reviewing the activities and balance via online banking, the granted discount on a particular type of fee will be clearly visible
Product groups and achieving a discount

Product groups and achieving a discount

  • group 1 - a current account in HRK and a foreign currency, giro account in HRK and a foreign currency, business account, passbook
  • group 2 - online banking [PBZ digital banking, PBZ365@NET and mPBZ], telephone and SMS banking
  • group 3 - credit cards [revolving] and shopping cards (MasterCard and Visa Classic, American Express)
  • group 4 - credit cards [charge] (MasterCard and Visa Classic, American Express)
  • group 5 – loans
  • group 6 - term savings
  • group 7 - housing savings at the PBZ Housing Society
  • group 8 - PBZ Invest investment funds
Fees for which the discount is granted

Fees for which the discount is granted

  • management fees for a current account in HRK and a foreign currency, giro account in HRK and a foreign currency and PBZ Indeks plus student package
  • monthly membership for online banking [PBZ digital banking, PBZ365@NET and mPBZ] and telephone banking
  • yearly membership fee for a basic/additional user per credit card [revolving]
  • yearly membership fee for a basic/additional user per credit card [charge]
  • fee for contracting housing savings
Fee and interest amounts

Fee and interest amounts

The amount of the discount for management fees for a current account in HRK and a foreign currency, giro account in HRK and a foreign currency and PBZ Indeks plus student package is reduced:

  • with package “3” (using 3 product groups) - a discount in the amount of 5% of the amount of the fee
  • with package “4” (using 4 product groups) - a discount in the amount of 10% of the amount of the fee
  • with package “5” (using 5 product groups) - a discount in the amount of 20% of the amount of the fee
  • with package “6” (using 6 product groups) - a discount in the amount of 30% of the amount of the fee

The amount of the discount for interest - when using current account in HRK overdrafts, the regular interest rate is reduced:

  • with package “3” (using 3 product groups) - for 0.50 pp
  • with package “4” (using 4 product groups) - for 1.00 pp
  • with package “5” (using 5 product groups) - for 1.50 pp
  • with package “6” (using 6 product groups) - for 2.00 pp
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