On-line banking
(Internet banking)
Save time and money and manage your finances at your own convenience
On-line banking
(Internet banking)
Save time and money and manage your finances at your own convenience
Your needs
Your time is precious! Do not waste it visiting branches!
Manage your finances via On-line banking (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
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Lower costs
Considerably lower transaction fees compared to payments at a branch
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Time saving
Branch visits are reduced to a minimum
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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
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Online offers
Get a personalised offer for a cash loan or a credit card in less then 5 minutes in your online banking.
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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)
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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
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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 loyalty program -
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
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 / On-line (mojaRBA mobile banking) – first mToken activation and reactivation -
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 -
Raiffeisen voluntary pension funds on iDIREKT!
Members of Raiffeisen Voluntary Pension Funds can now keep track of the personal account balance in the fund via iDIREKT internet Banking.
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Currency exchange available around the clock
Foreign currency purchase, sale or conversion
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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
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 -
NEW! Debit card activation
Now you can activate your new debit or credit card via On-line banking (iDIREKT internet banking).
| On-line banking (Admission fee for arranging RBA internet banking) | HRK 30 one-off |
| On-line banking (RBA internet banking service monthly fee) | HRK 9 |
| On-line banking (RBA internet banking service monthly fee for RBA credit card and loan users, RBA term savings deposit and avista savings account users who don not hold a current or an FCY account or a HRK/FCy giro account) | free of charge until 31 December 2021 |
| On-line banking (Admission fee for arranging RBA internet banking) for holders of FlexiPLUS package | free of charge |
| Transaction type | At a branch | Via on-line banking (iDIREKT Internet Banking) |
| National credit transfer in kuna to acounts (Payments into domestic and foreign legal entity's transaction account opened at the Bank) | 1% of the amount min. HRK 8 max. HRK 100 | HRK 2 |
| National credit transfer in EUR to acounts (Foreign currency payments into domestic and foreign legal entity's transaction account opened at the Bank) | 1 % of the amount min. HRK 10 max. HRK 100 | 0.15 % of the amount min. HRK 8 max. HRK 40 |
| National credit transfer in kuna to acounts (Payments in favour of accounts at other Bank within the Country) | 1 % of the amount min. HRK 10 max. HRK 100 | 0.35 % of the amount min. HRK 2 max. HRK 20 |
| National credit transfer in EUR to acounts (Foreign currency payments in favour of accounts at other banks within the Country) | 0.35 % of the amount min. HRK 75 max. HRK 300 | 0.25 % of the amount min. HRK 75 max. HRK 300 |
How to use iDIREKT Internet banking?
A secure and simple approach to Internet banking
For the purpose of On-line banking (iDIREKT Internet banking) log-in and authorisation, we recommend arranging for an mToken authentication device as part of the mojaRBA smartphone application (iPhone and Android Phone devices).
Contracting of mojaRBA mobile banking is available online, it's free of charge and without paying any monthly fee until 30 April 2021. With the mToken you may use two services of On-line banking - iDIREKT Internet banking and mojaRBA mobile banking!
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).
How to arrange?
It is simple!
On-line banking (iDIREKT Internet banking) may be arranged online (mToken) or at any RBA branch (mToken or card reader).
Did you know?
Even when you do not hold an account with RBA, but still use a loan, a credit card and savings products, you can, nevertheless, use our online services.
Contract On-line banking (mojaRBA mobile banking) free of charge by 31 December 2021 and use the online services without the monthly fee!
Provide for yourself a simple overview of the loan balance, of our term savings deposits, or of the a vista savings account. Monitor expenses made with your credit card (balance, movements, statements), divide your purchases into instalments and monitor your credit card balance at any moment. By contracting On-line banking (mojaRBA mobile banking) internet banking becomes immediately available to you and you access it via the mToken (integrated into the mojaRBA application), which automatically makes you an e-Građani/e-Citizen system user.
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