Card activation

From November 24, 2024, the Bank will start delivering cards to natural persons to their addresses (the last registered address in the Bank) via Croatian Post, ordinary delivery. This policy will apply to all cards that are renewed due to the expiration of the previous card and replacement cards due to damage or name/surname change. The PIN of the card remains unchanged.

For new card users to whom the card and PIN are issued, delivery to the home address will only be done if the client uses the PBZ Digital Banking mobile app.

Otherwise, the Bank will send a paper PIN to the user's home address and the card to the selected branch.

For new users who are issued a card and PIN, delivery of the card to their home address will only be done if the client uses the PBZ Digital Banking mobile app.

Otherwise, the Bank will send a paper PIN to the user's home address and the card to the home branch.

We will deliver the replacement card to your address if you use the PBZ Digital Banking mobile app.

Otherwise, we will send you a paper PIN to your home address and a card to the chosen branch.

The PIN remains unchanged, it is the same as on the previous card.

You can check your PIN at any time via the PBZ Digital Banking mobile app.

If you do not use it, you can request a PIN reissue at any PBZ branch.

You can report any change in personal data at any PBZ branch.

The Bank initiates the creation of a replacement card due to the expiration of the previous one about 45 days before its expiration, and the address that is in the Bank's system at the time of creation of the replacement card will be the reference for its delivery.

In your case, you should wait for the delivery of the card to the address recorded in the Bank's system at the time of making the replacement card, and if possible collect the letter. If you are unable to do so, contact the PBZ branch or call 0800 365 365 so that we can create a new/replacement card.

Given that you have submitted an application for the issuance of a Mastercard revolving card, the ESIS has been delivered to you. After this message, the card will be delivered to your home address (except to the branch if you are not a PBZ digital banking user).

Before contracting a loan, banks are obliged to hand over a personalized European standardized information form to the consumer. The form contains information about the main features of the loan (type, amount, duration, type of interest rate), about the amount and method of calculating the nominal and effective interest rate, the frequency and number of annuities or installments, example and the impact on repayment in case of an increase in the variable interest rate, example and the impact on repayment in the event of an increase in the exchange rate if the loan is in a foreign currency or linked by a currency clause, etc. Due to its standardized form and the scope of information it provides us, the European standardized information form also offers the possibility of comparing loans of the same type at different credit institutions.By submitting the form, the Bank fulfills the legal obligation to provide information, but the user always has the right to ask the Bank's employees for additional clarifications in case of ambiguities regarding the content of the form, i.e. the conditions of the loan. It is extremely important that the consumer takes advantage of all the opportunities to obtain the necessary information in order to be able to make a competent financial decision, for which he can take personal responsibility at any time.

Please contact the PBZ branch so that we can check whether the card has been created and to which address it has been delivered.

You can also call us on 0800 365365 or send an e-mail to pbz365@pbz.hr and we will be happy to answer all your questions.

Not. The bank will issue you a replacement card without the cost of creating a new one.

The delivered cards are inactive and only you who know the PIN of your card can activate it. If you will feel more secure, we can exchange your card and issue a new PIN.

The Bank also plans to deliver business Visa debit cards to users' addresses.

For your safety, the card is inactive. To activate the card, it is necessary to make the first transaction at an ATM (inquiry about the account balance or cash out) or at a POS device by inserting the card and entering the PIN.

Not. The delivered cards are inactive and only you who know the PIN of your card can activate it.

To activate the card, the first transaction must be made at an ATM or POS device by inserting the card and entering the PIN.

If it's easier for you or you don't know your PIN, you can activate the card in PBZ branches and request a printout of a new PIN for further use of the card.

Ako ne znate svoj PIN, karticu možete aktivirati u PBZ poslovnicama PBZ te pritom i zatražiti ispis novog PIN-a za daljnje korištenje kartice.

If you have a contracted online banking service [PBZ Digital Banking], your card's PIN is available in the mobile application:

• in the main menu select Cards and within the menu select Cards again
• in the lower right corner, click on the card icon
• select the Show PIN option
• identify yourself with your biometrics or the PIN you use to log into the app and your card's PIN will be displayed on the screen.

In case your PIN is not visible, please enable this option in Settings:

• in the Sign-in & Security tab, select the Show card PIN option
• activate the option by dragging the button to the right.

You should pick up the card at the selected PBZ branch. The location of the branch is printed on the same envelope on which your PIN is printed.

Cards for authorized persons will be delivered to the address of the authorized person registered in the Bank.

No. For security reasons, the bank determines the card and PIN delivery channel. The card delivered by mail is inactive, and only you can activate it by entering a PIN known only to you.