Is opening a current account online secure?

Opening an account online is completely secure. Video identification as the last step of opening an account online is fully compliant with legal regulations and is carried out according to the Ordinance on the Provision and Use of Trust Services, which you can read more about on the website of the Ministry of Economy.

How and how quickly do I get a debit card?

We send the debit card and PIN to your home address in separate shipments, and you will receive them within 7 to 10 days max.

MAKE GENIUS DAYS POSSIBLE: RBA Young&Free current account package

For young people from age 18 to 27

Digitally contract the RBA Young&Free package for 0 EUR and use everything that mojaRBA app has to offer worry-free.

Arrange on the web Arrange in the mojaRBA app

Current account without fees

A current account and Mastercard debit card made of 100% recycled plastic are included

mojaRBA

Fast, simple and secure mobile and internet banking

Mobile wallet

Pay with Apple Pay or RaiPay

WHAT YOU GET WITH: RBA Young&Free current account package

0 EUR/mo.

Current account and Mastercard debit card

receive a salary, royalties, scholarship or pocket money
buy online or at points of sale with a current account card
add the card into the mobile wallet and pay with a mobile phone without using the card or cash
withdraw money with the card for free at RBA and Euronet ATMs in the Republic of Croatia

mojaRBA mobile and internet banking

send money to your contacts free of charge from your mobile phone, with the KlikPay option, regardless of which bank they have an account with
buy prepaid cards from any teleoperator
take pictures and pay bills in a few clicks (FotoNalog)
share the 2D IBAN barcode of the current account and receive payments to the account more easily
receive notifications about receiving money to the account

Contactless payment by mobile phone

add all RBA cards into mobile wallets and pay by mobile phone without using a card or cash
for Android and Huawei mobile phones, download the RaiPay application
on the iPhone, add the card into Apple Wallet

Mastercard or Visa Classic credit card

credit card for students with a limit of 500 EUR
buy with a payment extension and split up to 24 installments every purchase over 40 EUR without interest
exchange the points collected through the Zlatna RBICA program into euros and spend them at the RBA partner of the program

How to get the RBA Young&Free package?

Contract a package through an online request

You can contract the package in the mojaRBA app or on the web.

Please prepare an identity card or passport

Confirm your identity with a video call.

Your RBA Young&Free package is active

You can start using its benefits.

Arrange on the web Arrange in the mojaRBA app

mojaRBA - a mobile app for which you will not need instructions

Mobile banking is part of every RBA current account package, and it can be arranged online or in a branch.

Accounts
manage all your accounts
track and search transactions
personalize your overview
name the accounts as you wish, for easier recognition
Cost control
easily track all your payments and withdrawals
monitor the status, transactions and details of accounts, cards and loans
track cost statistics by category
Credit card
split every credit card purchase above 40 EUR into installments of up to 24 months with 0% interest
applies to all online and offline credit card payments
installments are possible up to 30 days after purchase
Loyalty program
with the contracted credit card, you participate in the free Zlatna RBICA loyalty program
we reward credit and debit card purchases every time
use reward euros at our partners' points of sale and reduce your bill
Payments
with the KlikPay option, transfer money free of charge to your contacts, regardless of which bank they have an account with
use the fastest and simplest payment method - FotoNalog
share the 2D barcode with friends for easier payment of shared expenses
use templates or recent payments to easily create new payment orders
set prepayments on a specific date
mojaRBA offer
order products online without coming to a branch
request an online personal loan of up to 40,000 EUR
quickly and easily arrange a term deposit in just a few steps

Learn more

LOYALTY PROGRAM: Zlatna RBICA

if you are an RBA Mastercard or Visa credit card user, you are automatically included in the Zlatna RBICA loyalty program
you can use your received euros from Zlatna RBICA at hundreds of points of sale of our partners

Learn more

Mastercard benefits

with your Mastercard, get benefits and discounts from Mastercard partners
discover unforgettable moments through the Mastercard Priceless program

Learn more

FAQ

Find answers to the most frequently asked questions.

A revolving credit card is a credit card that allows you flexible payment and repayment of expenses. You can use it to buy goods and services and to withdraw cash from ATMs. Every month, you have the option of choosing how much of the total money spent you will pay, with the option of repaying the minimum amount or a larger amount as suits you best. The remaining amount is transferred to the next month with the calculation of interest on the remaining debt amount.

When opening an account through an online application, you will receive an e-mail with a link to a video identification via video call. Please follow the instructions and after the video call your current account or RBA Young&Free package will be opened within 15 minutes, about which you will be notified by e-mail. If you contract the RBA Young&Free package through the mojaRBA app, you will receive all instructions through the app and even more easily establish a video call.

You can activate the mojaRBA app as soon as you receive a notification that your RBA Young&Free package has been opened. In the same e-mail, you will receive instructions for app activation. Activation is simple, and all you need is the activation code, which you will receive in two parts – the first part by e-mail and the second part via SMS.