Opening a Business Account

• No account opening fee
• No monthly account maintenance fee for the next 12 months
• 50% discount on the monthly fee for Sinergo packages for the first 12 months  
• SoftPos 
• the possibility of contracting a quick account overdraft at favorable interest rates and with minimal documentation*  
• fast overdrafts can also be arranged via digital banking - without coming to a branch*  

*The amount of the overdraft is determined according to the client's creditworthiness, namely:
- already when opening an account - if you are an entrepreneur in the income tax system and have annual financial statements for the last 2 years 
- after 6 months of business through a PBZ account - if you are a craftsman in the system of income tax or flat-rate income taxation  

Open a business account quickly and easily – fill in the forms and attach the required documents.
You can send the meeting request by email: poduzeca.sastanci@pbz.hr to submit the completed forms.
Please find the required documentation at the bottom of the page.
Download and sign the contractual documentation within 24 h.

You are starting a new business – register and open a business account quickly and easily via the Start application at https://pretinac.gov.hr

SUBMITTING DOCUMENTS AT THE SINERGO DESK

CRAFTSMAN – STATUS DOCUMENTATION:
Decision/Act/Articles of incorporation (not older than 90 days)
A certified copy of the Trade License or Privilege or a copy with submitting the original Trade License/Privilege for review
a certified Partnership Agreement (in the case of a joint trade)
Copies of the identification documents of the authorised representatives/owners and persons authorized for the disposal of funds in the transaction account 
A certificate of the personal identification number (OIB) if not listed in the Articles of incorporation
Ownership structure/Attachment to the statement of the beneficial owner (only in case of complex ownership)

LEGAL ENTITY – STATUS DOCUMENTATION:
Decision/Act/Articles of incorporation (not older than 90 days)
Notice of Classification according to the National Classification of Activities (by CBS)
Copies of the identification documents of the authorised representatives/owners and persons authorized for the disposal of funds in the transaction account 
A certificate of the personal identification number (OIB) if not listed in the Articles of incorporation/NKD
Ownership structure/Attachment to the statement of the beneficial owner (only in case of complex ownership) or a list of the 10 largest shareholders taken from the stock exchange in the case of a legal entity with securities quoted on acceptable exchanges (EU; Switzerland or NYSE)
Excerpt from the Register of Beneficial Owners (not older than 30 days)

CRAFTSMAN, LEGAL ENTITY – STATUS DOCUMENTATION (opening an account for SPECIAL PURPOSES):
Excerpt from the law on the basis of which it is evident that the funds are exempt from Enforcement 
Property management contract between the manager and the tenant representative
Co-ownership contract 
Decision on the basis of which a special purpose account is opened