Transaction account

Transaction account

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Do your business more quickly and simply!

Opening of an RBA transaction account enables you to perform cash and non-cash payment transactions in kuna and other currencies and to use numerous other account-related services. Various services based on modern technological solutions are also available, allowing you to perform your financial operations without time and space limitations, quickly, simply and securely.


  • Multi-currency account

    Multi-currency account

    A single account for all currencies.

  • Online services

    Online services

    Simple Internet banking.

  • Efficient liquidity management

    Efficient liquidity management

    Enabled by the wide range of our tailor-made services.

  • Quick and sound reporting

    Quick and sound reporting

    Availability of various reporting formats related to the account balance and turnover.

Promotional offer for new RBA clients

PROMOTIONA OFFER BY 31.12.2021. Contract the FlexiBIZ BALANCE* or BONUS** package by 31/12/2021 and use it for free! FlexiBIZ BALANCE package  - 3 months at no fee
* the FlexiBIZ BALANCE offer is valid for new business entities who do not hold a transaction account with RBA as yet

FlexiBIZ BONUS package  - 3 months at no fee
**the FlexiBIZ BONUS offer is valid for new business entities (d.o.o., j.d.o.o., craft, association, OPG (family farm), free professions) established in 2021 who do not hold a transaction account with RBA as yet

Account opening

  • Where to open an account?

    Where to open an account?

    A transaction account may be opened at RBA branches by submitting documents required for its opening.

  • What is necessary for account opening?

    What is necessary for account opening?

    An account may be opened in the presence of an legal representative, in line with data from the competent registry, by submitting the original documents set out in the List of documents required for opening the RBA transaction account for residents and the List of documents required for opening the RBA transaction account for non-residents. In addition to submitting registration-related documents, filled standardised bank forms for opening a RBA transaction account are also needed.

  • Reporting


    • Statement on Balance and Movements is available through the following channels: RBA iDIREKT Internet banking, at RBA branches, FINA branches, by post, fax, e-mail or via SWIFT to a foreign bank of your choice: MT940, MT941, MT942.
    • Frequency of sending Statements on Balance and Movements may be agreed on a daily or monthly basis or upon turnover.
    • The following information is also available: Recapitulation of Free Calculation Notice of inflows (for non-SEPA payment transactions), Notice on Calculated Interests, SWIFT confirmations (for non-SEPA transactions executed)


Initial capital
Depending on the organisational form of the company that you are establishing, you are required to submit its act. Usually it implies of Incorporation (for a single founder) or Articles of Association for a Joint-Stock Company.After processing the payment, the Bank will issue an appropriate Confirmation of Initial Share Capital Deposit stating that the initial capital has been paid.
Once the company has been registered, an RBA transaction account is opened and the initial capital is autommatically tranferred to the newly opened account, so that you may commence business activities. If you decide to increase the capital of an existing company, payment may be made directly to the company´s account, indicating ´capital increase´ as its purpose. Based on the payment processed, a Confirmation of capital increase may be issued at your request.
Browse the list of RBA branches at which you may make the initial capital payment.

Account opening
By concluding an Agreement on RBA transaction account with the Bank, you will actually conclude a Frame Agreement consisting of the following documents:
General Terms and Conditions of Transaction Operations of Legal Entities,
Time Schedule for Execution of Payment Transactions,
Interest Rate and Fee Calculation Rulebook,
Decision on Interest Rates, and
Decision on Bank Service Fees.

Fee Fee amount
Account opening free of charge
Opening a non-resident account  HRK 1.000,00 one-off
Account maintanace HRK 30.00 monthly per account
An overview of fees is available in the document Extract from the RBA Tariff for business entities.

U kratkom videu pogledajte funkcionalnosti internetskog bankarstva

Additional services


Efficient liquidity management!

Based on RBA transaction account, we are offering the following additional services:
► use of a transaction account overdraft
► term deposit
► foreign exchange
► investing into investment funds under Raiffeisen Invest Management.


The FlexiBIZ Savings Account

The FlexiBIZ Savings Account is opened by contracting the FlexiBIZ Savings Account Agreement. This product allows you to manage your assets at any time, with the benefit of somewhat higher interest rates for a vista savings, without the need to make a term deposit agreement. Assets in the Savings Account can be transferred to any of your accounts held with RBA through the iDIREKT internet banking, thus becoming available to you for making payment transactions.The interest rate for a vista savings is 0.015% per year.

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