Basic Account and Special Basic Account

In accordance with the Act on the Comparability of Fees Related to Payment Accounts, Payment Account Switching and Access to Basic Accounts, clients who have registered residence in the European Union as well as clients who have not been granted a residence permit, and who do not hold a payment account, can open a Current Account for which the Basic Account and the Special Basic Account packages are contracted. Clients who receive regular income can open an account that includes a free service package, provided they do not already have such an account.

Basic Account

The BASIC ACCOUNT Package includes the following services:

services of account opening, managing and closing,
services that allow depositing of cash to the account,
services that allow withdrawal of cach at ATMs in Croatia and abroad,
services of executing the following payment transactions: direct debits and/or standing orders, debit card payment transactions including payments on the internet, including payments at branch teller’s counters and through internet banking channels.

The Bank opens only one account with the contracted Basic Account package, without the possibility to use another current account alongside this one. Monetary funds in the account for which the Basic Account package is contracted are kept as a vista assets, solely in the euro, and the Bank grants no overdraft in the account.

Use of the BASIC ACCOUNT package is free of charge and it covers:

current account management
issuing of the account holder’s debit card
entry fee and use of the Internet Banking/Mobile Banking

The Bank computes and charges other fees in keeping with the PI Business Fees, which are available also at the Bank’s branches.

Special Basic Account

The SPECIAL BASIC ACCOUNT Package includes the following services:

services of account opening, managing and closing,
services that allow depositing of cash to the account,
services that allow withdrawal of cash from the account at branch teller’s counters or at ATMs in Croatia and abroad
services of executing the following payment transactions: direct debits and/or standing orders, debit card payment transactions including payments on the internet, including payments at branch teller’s counters and through internet banking channels.

he SPECIAL BASIC ACCOUNT package is contracted for the term stated in the supporting evidence documentation, or until the end validity date of the social category status, but not less than 1 year. The Bank will allow use of the Special Basic Account package to the client until the date by which, in accordance with the decision of the competent authority, their social welfare right is recognised, and at least for the term of 1 year. If, after the expiry date of such decision, the client does not present proof in the form of a corresponding evidence document that they still belong to the socially vulnerable category, the Special Basic Account package will be terminated and the Basic Account package will be contracted automatically.

The Bank does not charge a monthly fee for the Special Basic Account package use. The package includes the following services:

current account management
issuing of the account holder’s debit card
entry fee and use of online banking (Internet Banking and Mobile Banking)
10 national and internacional payment transactions in euro per month free of charge (the 10 free transactions cover national and international credit transfers in the euro placed at the Bank’s branches or through online banking as well as standing orders and direct debits).

The Bank computes and charges other fees in keeping with the PI Business Fees, which are available also at the Bank’s branches.

How to Open the Special Basic Account?

The Package is intended for clients classified as socially vulnerable, or holders of rights pursuant to the social welfare act:

guaranteed minimum allowance
personal allowance for an accommodation beneficiary
scholarship during regular university study
personal disability allowance
assistance and care supplement,
inclusive supplement and
those who have the status of a caregiver parent or caregiver status.

Opening the SPECIAL BASIC ACCOUNT package, it is necessary to provide the appropriate decision, confirmation, or other proof from the competent authority demonstrating the use of one of the previously mentioned rights. Financial assistance for unemployed persons with disabilities (formerly unemployment benefits) falls under the jurisdiction of the Croatian Employment Service, while the other previously mentioned rights are under the jurisdiction of the Croatian Social Welfare Institute, which took over the responsibilities of the Social Welfare Center as of January 1, 2023.

A client can have only one account with the contracted Special Basic Account package, and a regular current account cannot be opened and used alongside it. The funds in the account associated with the Special Basic Account package are held as demand deposits exclusively in euros, and the bank does not allow overdrafts on this account.

Account that includes a free service package

An account that includes a package of free services is a payment account (current, giro, multi-currency current, or multi-currency giro account) on which the consumer receives their regular income.The account that includes a package of free services encompasses the following free services:

Opening,
Maintaining, and closing the account
On-line banking
Depositing funds into the account at the Bank's ATM
Withdrawing cash from the account at the Bank's ATM
Incoming national and cross-border payment transactions in euros
Regular issuance of a debit card and its use
Payment with the debit card at physical points of sales

The package of free services for accounts on which retirees receive their pensions, in addition to the aforementioned free services, also includes free cash withdrawals from that payment account at the Bank's branch and ATM.

The Bank opens only one account with a package of free services, and such an account cannot be used at another bank. The funds in the account with the package of free services are held as demand deposits, exclusively in euros. If the current account is linked to the package of free services, the bank may allow an overdraft on it.

Useful documents

Find useful contracting documents and useful information.

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Documentation

FAQ

Find answers to the most frequently asked questions.

In order to exercise the right to open a payment account with basic services, according to the Act on the Comparability of Fees Related to Payment Accounts, Payment Account Switching and Access to Basic Accounts, you need to be a resident of the Republic of Croatia, a resident and a non-resident with legal residence in the European Union or in the process of obtaining a residence permit and without an open account for payment.

You can contract a Basic and Special basic account at the nearest RBA office.

When opening an account at the branch office, your account will be opened immediately and you will receive all the necessary documentation from our employee.

Clients who receive regular income can contract an account that includes a package of free services only at the bank branch.