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The PBZ digital banking for corporate clients service has been created as a result of monitoring new trends and technologies in the sphere of online banking during several years and unites two applications: the mobile app and the internet banking application. The service enables the acceptance and use of banking and financial services with remote communication channels, overview of account balance and transactions, implementing payment transactions, accepting certification services and concluding contracts for banking and financial services electronically. 

It is intended for corporate clients who have an open transaction account in Privredna banka Zagreb d.d. and wish to perform their banking business faster and more favourably, at a time when it best suits them.

The service can be arranged at the nearest Sinergo desk or Online.

Preconditions for contracting at Sinergo Desk

• it is necessary to have an active transactional business account opened in PBZ.

Preconditions for contracting the service Online

Online contracting of digital banking is enabled if the following conditions are met:

• the end user is the only user of electronic services (PBZCOM @ NET and mPBZCOM),
• the end user is a person authorized to individually and independently represent the business entity,
• the end user is the only insured person per business package (for business package users),
• Up-to-date master data of the end user and business entity were submitted (eg: valid document, mobile phone number, KYC Questionnaire)

To use the service via the PBZ digital banking mobile application for business entities, it is necessary to have a mobile device with the operating system:

• Android: version 8.0 or higher
• iOS: version 11.0 or higher

To use the PBZ digital banking Internet application for business entities, it is necessary to have Internet access and use the following versions of the Internet browser:

• Google Chrome 80.0.3987 (or later)
• Mozilla Firefox 68.4 (or later),
• Safari 14 (or later)

In the domain of access and use of the PBZ digital banking internet application, the #withKEY authentication / authorization system is integrated into the mobile application of the service and is adapted to authenticate in the process of buying and paying at the online point of sale in the 3-D Secure model. .

For contracting and using the PBZ digital banking service for business entities, the Bank calculates and charges a fee in accordance with the Decision on Fees for Business with Domestic and Foreign Business Entities, Individuals and Financial Institutions as defined in the General Terms and Conditions for Transaction Accounts. The fee is charged to the transaction account designated for the collection of the service usage fee specified in the Application for the Use of PBZ Digital Banking for Business Entities.  

The benefits of using the services are many:

• simplicity – the app is fully adjusted to the needs and requirements of corporate clients and end users;
• availability – bank accounts can be accessed 24 hours a day, 7 days a week from any place in the world where there is a device with internet access with using a safety device;
• low fees – the compensation for the performance of financial transactions is lower than the fees in PBZ branch offices;
• finance control – clients have full control over their banking accounts and regular payments at any time;
• application adjustment – possibility of adjusting the use of the application for every end user by defining the authorisation and awarding user rights;
• additional functionalities – digital banking meets the needs of everyday banking whereby the service is continuously advanced by introducing new functionalities to achieve certain savings and benefits;
• highest safety standards – for the use of the service, the Bank applies state-of-the-art technological and safety solutions so that the data exchange between the User and the Bank is safe and protected.

• General Terms and Conditions of the Use of the PBZ Digital Banking Service for Corporate Clients
• Contract on the Use of PBZ Digital Banking for Corporate Clients
• Request for the Use of PBZ Digital Banking for Corporate Clients
• Request for the award of user rights for PBZ digital banking for corporate clients (if the end user is awarded the Operator authorisation)

The service is accessed by means of the web address www.pbz.hr/mali-poduzetnici, and the sign in to the Service is enabled by using the #withKEY safety device integrated in the PBZ mobile banking app.

#withKEY - authentication and authorization system integrated into the PBZ mobile banking application for access and use of the Service.

After contracting the Service on the PBZ Sinergo desk, the End User downloads the PBZ Mobile Banking application and installs it on his mobile device, and the Bank delivers the Registration Code required to activate the PBZ Mobile Banking application: Identification code via SMS to the mobile phone number The User / End User submitted to the Bank for this purpose, and the Activation Code on the PBZ Sinergo desk.

If the installed PBZ mobile banking application is locked, deleted or the End User wants to install it on another mobile device instead of the existing one, a new Registration Code (Identification and Activation Code) is required to reactivate the application. New Registration Code for activating the PBZ Mobile Banking application The End User of the Service can request the PBZ Sinergo desk via the Request for re-issuance of the registration code for activating the PBZ Mobile Banking application for business entities - redistribution. Additionally, the app can be reactivated by clicking the "Are you already registered?" Action on the Register my account screen, using the assigned User Number within the app and the defined Recovery Code that is set when the app is first activated

The Agreement defines the rights and obligations of the User on the basis of which the Bank enables the use of the Service. The contract also defines the language of communication.

The request for use is an integral part of the Agreement and with this document the User:

• authorizes the End User to use the Service and grants and / or revokes the basic authorizations to the End User to access and use PBZ digital banking
• determines / changes the mobile phone number of the User / End User,
• defines the invoices for the calculation and collection of the monthly fee for the Service
• The User can request a change in the Service Limit and the PBZ Mobile Banking Application Limit via the Application for Use. If the required amount of the Service Limit and / or the PBZ Mobile Banking Application Limit exceeds the amount of the limit initially defined by the Bank, the User fills in an additional document Statement and request to change the daily PBZ digital limit

The application for the allocation of user rights is an integral part of the Agreement. With this document, the User assigns User Rights / Transaction Attributes to the End User with the Authorization Authorized by business area and transaction accounts of the User.

The User may change the assigned User Rights several times during the term of the Agreement, with each new change via the PBZ Internet Banking application or with each new submission of the Application for Assignment of User Rights.

Authorisations may be Master, Master Admin and Operator.

Master – Authorisation with which the End User has been awarded all transaction and administrative attributes, i.e. all the necessary authorisations for operating the Service, while at the same time User rights may be awarded to all other End Users who have been awarded the Operator authorisation.

Master admin – Authorisation with which the End User has Admin attributes and may award User rights to all other End Users who have been awarded authorisation.

Operator – Authorisation with which the End User may have a combination of Transaction attributes and for whom the Person authorised for representation by means of the Request for the award of user rights and/or Master/Master Admin award User Rights for individual business areas by means of the PBZ digital banking applications. The User has the possibility of awarding User Rights to the Operator by means of a PBZ digital banking app for corporate clients, without submitting a Request for the award of user rights.

Functionalities for which User rights can currently be awarded: Payments – HRK debiting, Payments – foreign currency debiting, Treasury, Financing, Cards and Term Deposits.

The Bank defines two types of daily limit at the Service level, namely Service Limit and PBZ Mobile Banking Application Limit. The Service Limit represents the total amount available to the User for both applications - the PBZ mobile banking application and the PBZ internet banking application, and is greater than or equal to the PBZ mobile banking application limit. The limit of the PBZ mobile banking application represents the total amount available to the User on the PBZ mobile banking application.

If the User has not requested a change in the daily limit, the limit defined by the Bank shall apply.

It is sufficient to request a change of the limit up to the amount set by the Bank as a defined amount via the Application Request or define a new limit amount in the application in Settings, while for limits higher than the defined limits it is necessary to fill in the Statement and request to change the daily limit.

• biometric method of checking the identification by fingerprint and face recognition
• sending a notification to the clients on the changes in the account – notifications
• overview of the entire client portfolio – dashboard
• graphic overview of the balance and changes per transaction account
• personalisation – client defines the settings independently
• the authorisations matrix can be assigned on the level of the business area and transaction account
• with the awarded limits on the level of the service and mobile banking app, it is possible during authorisation to define the limit on the level of the business area and transaction account
• #withSIGN certificate for a qualified electronic signature
• #withMYBANKS service for connecting accounts opened in other banks
• contracting financing products (Online credit and Online overdraft) and Term Deposits
• excerpt management
• managing user right settings for operator end users.

#withSIGN is an advanced electronic signature of the same legal value as a handwritten signature. #withSIGN through PBZ digital banking for business entities enables contracting of banking and financial services and products by electronic signing of documents.

In the Invoices section, regardless of the contracted invoice delivery channel, all invoices can be viewed and downloaded from Digital Banking.

In the Excerpts section, it is necessary to contract a new excerpt with the PBZ Digital Banking distribution channel for review and download in Digital Banking. In Digital Banking, it is possible to review all contracted distributions, cancel contracted distributions or change and contract new distributions on e-mail or PBZ Digital Banking for business entities channels.

In addition to using a transaction account, digital banking and debit business card, the new packages include additional useful benefits, which are, depending on the type of package:

• card loss insurance policy
• accident insurance policy
• financial loss insurance policy in the event of a cyber attack on the PBZ digital banking system on your mobile device or computer
• supplementary health insurance policy
• discount on business VISA Business credit cards
• Discount on the loan application processing fee
• discounts on PBZ Leasing products

If you opt for one of the new packages, you will receive all the products and benefits within each package at prices that are cheaper than when the products are contracted individually.