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Poslujte učinkovito bez dolazaka u poslovnicu: Internet banking for small businesses and entrepreneurs

Focus your time on growing your business and we will support you!

Manage the financial operations of your small enterprise or craft business in a modern and efficient way with internet banking. Customize the service to your needs and simplify your business operations, saving time and reducing visits to the branch.

Efficient management of financial operations

Control the cash flow of your business, prioritize payments and benefit from lower fees.

Access information 24 hours a day

Information about the balance of your transaction accounts is available to you anytime and anywhere.

Simpler business operations with government authorities and public services

By using the Fina certificate on authentication devices, you are enabled to access B2G (Business to Government) services.

Description of functionality

Internet banking allows:

  • Overview of transactions and balances on transaction accounts
  • Overview of all payments made through internet banking
  • Payment in euros and foreign currencies by individual entry or by sending a file of aggregate orders
  • Setting up payment orders in advance with the option to revoke before the execution date
  • Uploading templates in the form of Excel files
  • Term deposit
  • Currency exchange
  • Buying/selling shares in Raiffeisen investment funds and viewing share status
  • eBroker – trading stocks on the Zagreb Stock Exchange in real-time
  • Issuing and reviewing orders for opening a documentary credit
  • Issuing instructions for custody and reviewing the status of custodial accounts
  • Submitting a request for the issuance of an electronic solvency report

Downloading various documents:

  • Daily and archived account statements (PDF, HUB3, camt.053, MT940, bulk XML)
  • Statements for the Business Mastercard revolving credit card
  • Notifications of foreign currency inflows/SWIFT confirmations of executed payments
  • Confirmations of executed payments
  • Summary of fee calculations and notice of accrued interest and fees
  • Electronic solvency report
  • Invoices for individual services with a digital signature on all reports in PDF format

Fees

Monthly fee for RBA internet banking

4.00 EUR per account

Fee for RBA internet banking in FlexiBIZ business packagesno fee
Fee for RBA internet banking on the FlexiBIZ savings accountno fee
USB device or SmartCard with FINA certificate (issuance of a new device or replacement of the existing one due to data changes or certificate expiration)26,54 EUR
Issuance of an additional card reader13,27 EUR

An overview of all fees is available in the document Extract From Decision on Service Fees – for business entities.

How to arrange the use of services?

You can set up internet banking at an RBA branch immediately when opening a transaction account.

For access to internet banking, you can choose one of the following authentication devices:

  • ActivKey USB device (Fina certificate)
  • SmartCard card (Fina certificate)
  • mToken as an integral part of the mojaRBA BIZ mobile application

    Read more information about the technical requirements for using RBA internet banking with devices on which the Fina certificate is stored.

    Electronic communication with state administration bodies and public services: B2G services

    B2G services represent a set of electronic services from Fina, state administration and public services available via the Internet, which business entities use with devices (ActivKey USB device or Smart Card) on which Fina certificates are stored. B2G services include Fina e-services and e-services of state administration and public services, where Fina charges a fee for the use of Fina e-services.

    Fina e-services

    The e-Regos service is intended for all those required to submit the R-Sm Form and provides a simpler, faster and more modern way to submit it in electronic form, 24 hours a day, 7 days a week, without having to visit a Fina counter.

     The service enables:

    • Entering data from the R-Sm Form in electronic form
    • Submission of the electronically signed R-Sm Form via the Internet to the REGOS system at Fina
    • Downloading a file with errors in the specification by insured persons regarding the calculated contributions
    • Downloading a review of unmatched R-S/R-Sm Forms, contributions paid or refunded
    • Printing the electronically signed page A of the R-Sm Form and users are also provided with additional certification at Fina counters

    The Annual Financial Statements Registry is the central source of information about the business performance and financial position of legal and natural persons who are subject to corporate income tax. It is established as a “public electronic library” of the Croatian economy, where anyone, without the obligation to provide a reason for the request, can obtain the financial statement of a business entity that is required to submit annual financial statements to the Registry, for multiple years. In addition to individual data, it is also possible to obtain aggregate data from financial statements. Besides serving public needs, the Registry is also designed to reduce the burden on business entities that are required to submit similar financial statements to multiple places, i.e., various state institutions. With the establishment of the Registry, the obligation of business entities to submit financial statements to the Commercial Court and Fina for the needs of the Croatian Bureau of Statistics is abolished and business entities are required to submit annual financial statements only to the Registry.

      The service enables electronic exchange of reports via the Internet, specifically:

        • Submission of annual financial statements
        • Downloading annual financial statements
        • Submission of statistical reports: Form TSI-POD (quarterly statistical reports for entrepreneurs), Form TSI-N (quarterly statistical reports for non-profit organizations), Form PR-RAS-NPF (semi-annual reports on income and expenses for non-profit organizations)
        • Downloading quarterly statistical reports for entrepreneurs – users can only download their own statistical report

        The fastest and simplest way to download the BON-1 Form is provided through the WEB BON service. The use of this service is intended for business entities registered for the WEB BON service and includes access to information on entrepreneurs' creditworthiness and data download 24 hours a day, 7 days a week. In addition to creditworthiness information related to your company, creditworthiness information regarding other business entities is also available to you.

          The service enables:

            • Downloading creditworthiness information on the BON-1 Form (in Croatian, English or German)
            • Downloading a list of requesters of your BON-1 Form

            The Concession Registry is a unique electronic record of contracts and the central source of information on all concessions contracted in the Republic of Croatia. Concession providers are obligated to submit data on the contracted concession and any changes to the concession contract to the Registry within 10 days of signing the contract or the occurrence of changes. Data is entered daily, so information on all concessions is available in one place, accurately and up-to-date.

            The Registry is public and access is available 24 hours a day, 7 days a week.

            The concession provider is allowed to view data from all individual concession contracts concluded with concessionaires. In addition to viewing payment data, the concession provider is also able to print a notice of overdue unpaid fees from the concessionaire.

            The concession recipient is allowed to view data from all of their concession contracts.

            Others (legal and natural persons who are neither concession providers nor recipients) have access to the public data from the Registry.

            Internet service for electronic exchange of invoices between suppliers and customers, as well as managing the entire business process of issuing, receiving and archiving invoices.

            The service aims to realistically replicate the process of sending and receiving invoices from the real business world into the electronic world. The key difference is that users are enabled to send, receive and store invoices faster, more securely, more easily and at a lower cost, as well as forward them for payment.

            An electronic invoice is a document completely identical to the paper one and it is possible to attach various documents (electronic or scanned) to it, such as cover letters, attachments, forms, contracts and other documents that are attached to the invoice when sent in paper form.

            RBA intermediates in the contracting of the e-Invoice service for business entities, while for contracting the e-Invoice service for the government, public procurement obligors and sectoral and public contractors should contact Fina directly.

            The e-Blokade service allows the authorized data user (the debtor, the creditor or their authorized representative) to view data or the basis for payment, as prescribed by the Ordinance on the Manner and Procedure for the Execution over Monetary Assets in accordance with the Act on Execution of Enforcement over Monetary Assets.

            e-services of state administration and public services

            It covers a set of electronic services of the Tax Administration intended for all taxpayers in the Republic of Croatia. Electronic services enable electronic communication between the Tax Administration and taxpayers using the Internet as a communication channel.

            Within the framework of electronic services, a secure exchange of electronic documents takes place between the taxpayer and the Tax Administration. Users can fill out, sign and send electronic documents using the Internet, and receive information from the Tax Administration in the same way.

            The service enables:

            • ePKK access to the tax and accounting card
            • ePDV submission of the value-added tax form
            • ePDV-K submission of the final value-added tax calculation
            • ePD submission of the corporate income tax return
            • eSR submission of the monument annuity calculation
            • eTZ submission of the tourist board membership fee calculation
            • eID submission of the ID form
            • Form status retrieval – retrieval and review of the status of previously submitted forms
            • Business entity authorizations – review and management of taxpayer authorizations
            • Request for electronic business – electronic registration of new users (only possible for persons authorized to represent the business entity who possess a USB device with a Fina certificate).

            Prerequisites for contracting the service:

            • Possession of a USB device with a Fina certificate (available to all users of RBA internet banking)
            • The user must install the software package (e-Tax application) which can be downloaded from the Tax Administration website and installed on their computer.

            For all information related to the installation and use of the software package, users can contact the Tax Administration directly.

            A service that enables electronic business between the Croatian Pension Insurance Institute and its service users. It is intended for legal entities to register obligors and insured persons and for natural persons, registered in the appropriate register, to register employees.

            The service enables:

            • Submission of the following electronic applications to the pension insurance system: Form eM-1P (registration of the start of insurance), Form eM-2P (registration of the termination of insurance), Form eM-3P (registration of changes during insurance), Form eM-11P (registration of the start of business for obligors of contribution calculation and payment), Form eM-12P (registration of the termination of business for obligors of contribution calculation and payment), Form eM-13P (registration of changes in the data of obligors of contribution calculation and payment)
            • Review of the status of submitted e-applications
            • Download of received e-applications
            • Download of notifications about errors and reasons for the non-reception of submitted e-applications

            The content and format of the e-application forms, as well as the mandatory documentation to be attached when submitting an e-application, are prescribed by the Rules on Maintenance of the Central Database of the Croatian Pension Insurance Institute.

            Prerequisites for contracting the service:

            • Possession of a USB device with a Fina certificate (available to all users of RBA internet banking)
            • Fill out the access form, which must be submitted to the nearest regional office of the Institute.

            For all information related to the installation and use of the service, users can contact the Croatian Pension Insurance Institute directly.

            The service is intended for legal entities (contribution payers) that are registered in the Croatian Health Insurance Fund registry. The service enables the initiation of the procedure for determining the insured person's status in compulsory health insurance electronically (submission of an e-application). The service is available 24 hours a day, 7 days a week.

            The service enables:

            • Submission of registration and deregistration of insured persons
            • Change of insured persons' data electronically
            • Registration of employees and family members (children and spouses).

            Prerequisites for contracting the service:

            • Possession of a USB device with a Fina certificate (available to all users of RBA internet banking)
            • The activation of the service is done by filling out the access form, which can be found on the Fund's website. The completed and scanned access form must be electronically signed from the e-mail address of the responsible person and sent to the e-mail address of the Croatian Health Insurance Fund.
            • After activating the service, to begin working, it is necessary to download and install the e-Zdravstveno application and the user instructions.

            For all information related to the installation and use of the service, users can contact the Croatian Health Insurance Fund directly.

            NCTS is an information system that enables faster and simpler electronic data exchange for the implementation of the transit procedure. This method of submitting customs declarations allows the declarations to be partially prepared in advance and submitted to the customs office regardless of its working hours, resulting in significant time and financial savings for all participants in the customs procedure. It is intended for authorized participants in the customs procedure.

            The service enables:

            • Listing and entering the single administrative document
            • Listing of bank guarantees
            • Listing of bank guarantees for transit.

            Prerequisites for contracting the service:

            • Possession of a USB device or SmartCard with a Fina certificate (available to all users of RBA internet banking)
            • The required prerequisites and other information related to contracting and using the service are described in the document “General Technical G2B End User Instructions,” which is available on the Customs Administration website.

            For all information related to registration and use of the service, users can contact the Customs Administration of the Republic of Croatia directly.

            Services of the state administration and public services are free of charge. A prerequisite for accessing the services is possessing a Fina certificate.

            For more detailed information about B2G services, usage conditions and fees, please visit the Fina website.

            FAQ

            Find answers to the most frequently asked questions.

            You can contract RBA internet banking for business entities by completing the form. The form must be certified by the company's representative and the user of the USB device with a certificate. RBA internet banking with authorization functionality can only be contracted for individuals who are authorized to manage the funds in the account. The representative and the user must be identified by the bank, whereby the bank identifies natural persons by inspecting a valid identification document in their physical presence. The original form must be submitted in person or by mail to the nearest branch of the bank.

            Send an inquiry to the e-mail address kc.tehnicka-podrska@rba.hr.

            When there are less than 30 days until the expiration of the FINA certificate, a notification will appear during the internet banking login process, directing you to the certificate renewal procedure.

            We cannot unlock the token based on telephone identification of the client; therefore, it is necessary to visit the bank branch with the device – the token (the person authorized to represent).

            We kindly ask the certificate holder to submit an inquiry to the e-mail kc.tehnicka-podrska@rba.hr.

            To unlock the USB, it is necessary to use the unlocked code generated during the download of the FINA certificate to the device. In case the unlocked code was not saved, it is necessary to contact the branch for the issuance of a new device.

            Please contact the bank branch for the issuance of a new device. When the FINA certificate has expired, it is necessary to request a new USB device with the FINA certificate, or to re-contract the use of RBA internet banking, which is charged as the issuance of a new device.

            Your statements are available through RBA internet banking for up to 18 months from the statement creation date and you are required to download them within this period. After the mentioned period expires, you can request the statements through a written request for a subsequent issuance of the statement. Reissuance of statements based on a request is calculated and charged according to the currently applicable Extract from Decision on Service Fees – for business entities.

            Payment orders and transactions are executed according to the Time Schedule for Execution of Payment Transactions for Business Entities.

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