iDIREKT Internet banking

Save time and money and manage your finances at your own convenience

iDIREKT Internet banking

Save time and money and manage your finances at your own convenience

Find out more

Your needs

 

Your time is precious! Do not waste it visiting branches!

Manage your finances via iDIREKT Internet banking to do your banking activities where and when it 
suits you most – at work, in the comfort of your home, at a coffee shop or wherever you have access 
to a computer with the Internet connection.

Benefits

  • Lower costs

    Lower costs

    Considerably lower transaction fees compared to payments at a branch

  • Time saving

    Time saving

    Branch visits are reduced to a minimum

  • Finance availability 24/7

    Finance availability 24/7

    As your accounts and other services are available 24 hours a day, you no longer have to keep track of branch working hours

  • Quick and simple communication with the bank

    Quick and simple communication with the bank

    Have a real-time conversation with an agent using the chat feature or communicate by authorised mail (a message sent via Internet banking)

  • e-Građani system log-in with no additional registration

    e-Građani system log-in with no additional registration

    You become an e-Građanin (e-Citizen) immediately and may use any electronic services provided by the e-Građani system (available in Croatian only)

Functionality description

  • Overview of all finances and extracts from a single spot

    Overview of all finances and extracts from a single spot

    Overview of the balance and turnover of any accounts and credit cards, as well as the balance of deposits and loans
    Overview of any account and credit card statements, including a statement of credits collected through the Zlatna RBICA(RBA Goldfish) loyalty program

  • Cheaper payment of bills and other liabilities

    Cheaper payment of bills and other liabilities

    Transactions in kuna and/or foreign currency with lower fees
    Overview of payment orders entered, payment yet to be made and those completed

  • Simple purchase of additional services

    Simple purchase of additional services

    eLoan and eCard – arranging for a quick cash loan and/or pre-approved Mastercard credit card
    eRačun -(eInvoice) arranging to receive invoices from individual issuers directly to Internet banking
    mToken / mobile banking – first mToken activation and reactivation

  • Savings and investments at your fingertips

    Savings and investments at your fingertips

    Fixed-term funds directly from your account
    Purchase, sale and  overview of investment fund units
    eBroker - real-time trading on the Zagreb Stock Exchange

  • NOVO! Raiffeisen dobrovoljni mirovinski fondovi na iDIREKT-u!

    NOVO! Raiffeisen dobrovoljni mirovinski fondovi na iDIREKT-u!

    Članovi Raiffeisen dobrovoljnih mirovinskih fondova od sada mogu pratiti stanje osobnog računa u fondu putem iDIREKT internetskog bankarstva.

  • Currency exchange available around the clock

    Currency exchange available around the clock

    Foreign currency purchase, sale or conversion

  • Interest-free instalment purchase and Zlatna RBICA loyalty programme

    Interest-free instalment purchase and Zlatna RBICA loyalty programme

    Credit card purchases are divided into instalments at a lower one-off fee (5 kuna saved per transaction divided)
    Optional request for the conversion of Zlatna RBICA points (credits) collected into kuna or for information delivery on the total credits and kuna available

  • Custody

    Custody

    Access to the custody account balance and transactions pending settlement 24/7
    Simple, quick and secure instruction issuing, cancellation or modification
    Insight into the current status of each instruction
    Possibility of message sending directly to the Custody Department

 
Arranging iDIREKT with mToken free of charge until 31 December 2018
mToken issuing fee no charge
Arranging iDIREKT with a card reader (registration fee)    HRK 30
First card reader issuing fee free of charge untill 31 December 2018.
iDIREKT service monthly fee HRK 7
Arranging and monthly fee for iDIREKT internet banking included in FlexiPLUS package  no charge
Comparison of payment processing fees
Transaction type At a branch Via Internet or mobile banking
Kuna payment to a transaction account of a local legal entity opened at RBA 1% of the amount
min. HRK 7 
max. HRK 100
no charge
Foreign currency payment to a transaction account of a local legal entity opened at RBA 1 % of the amount 
min. HRK 10
max. HRK 100
0.15 % of the amount
min. HRK 8
max. HRK 40
Kuna payments in favour of accounts at other banks 1 % of the amount
min. HRK 9 
max. HRK 100
0.35 % of the amount 
min. HRK 2 
max. HRK 20
Foreign currency payment in favour of accounts at other banks 0.35 % of the amount
min. HRK 75
max. HRK 300
0.25 % of the amount
min. HRK 75 
max. HRK 300
All other fees available in the Transaction fees for Private individuals 

 

How to arrange?

 

It is simple!

iDIREKT Internet banking may be arranged at any RBA branch.

Purchase prerequisites

 

How to use Internet banking?

 

A secure and simple approach to Internet banking

For the purpose of iDIREKT Internet banking log-in and authorisation, we recommend arranging for an mToken authentication device as part of the RBA na dlanu smartphone application (iPhone, Android and Windows Phone devices).

With the mToken you may use two services – Internet and mobile banking at a single monthly fee of just HRK 7!

To log into iDIREKT Internet banking, clients not using a smartphone may arrange for a card reader to be used with a debit or credit card as an equally secure user identification solution. More information is available in the iDIREKT Internet banking guide for Private individuals (currently available in Croatian only).