Save time by using the ATM – self-service machine! Functionalities of the RBA ATM:
- cash withdrawal 
- insight in balance of available funds
- PIN change
- cash deposit 
- DCC service - Dynamic currency conversion for foreign users

Save time by using the ATM – self-service machine! Functionalities of the RBA ATM:
- cash withdrawal 
- insight in balance of available funds
- PIN change
- cash deposit 
- DCC service - Dynamic currency conversion for foreign users

RBA CARD HOLDERS
Using your Maestro, Mastercard and Visa cards of Raiffeisenbank, you can:
► withdraw cash by
RBA debit cards of current, FCY, giro and protected account – free of charge
RBA debit cards of business accounts*
RBA credit cards*
► check account balance
► change the PIN
►deposit cash in current account, giro account or credit card**
►pay loan annuity**
► deposit cash for business entities**
*fees are charged in keeping with the Bank tariff for individuals and business enitites
**on deposit-withdrawal ATMs

Read about cash depositing to your account on our website, and check the locations of the available deposit-withdrawal ATMs here (in the search filter select ATMs/ deposit-withdrawal).

EURONET ATMs - free of charge for cash withdrawal by debit cards of Raiffeisenbank
Besides on the Raiffeisenbank ATMs on 450 locations, RBA card holders can use also the  Euronet ATMs on over 750 locations in Croatia under the same conditions.
Find the ATM closest to you on the mojaRBA application or on the locations map.

USERS OF CARDS ISSUED ABROAD

Cash Withdrawal Fee (Access Fee) 
In accordance with the Visa and Mastercard rules, cash withdrawal transactions by cards issued abroad are potentially subject to a fee of EUR 2.92 / HRK 22.00 per transaction. 
On a separate screen, the User is informed of the fee amount and they decide whether they wish to continue and accept the charge or they desist from executing the transaction. 

Fixed exchange rate of conversion of the kuna to the euro: 1 euro = HRK 7.53450 is applied for the dual display of the amount of fees and other monetary presentations, taking into account the conversion and rounding rules in accordance with the Act on the Introduction of the Euro as the Official Currency in the Republic of Croatia.

DCC service

Dynamic currency conversion is a bank service that allows holders of cards issued abroad to select debiting in the currency of their own account when withdrawing cash. Check the currencies supported through the DCC service in this document. 
When making the classical cash withdrawal, a foreign card holder does not know the exchange rate and the amount for which their account will be debited actually but learns this only after the account has been debited. As regards the DCC service, the card holder immediately sees the exchange rate applied and the amount in the currency for which their account will be debited. After selecting the withdrawal amount, the ATM screen shows the selected withdrawal amount in the kuna, alongside the conversion exchange rate that is applied, and the amount for which their account will be debited in the currency of their card. Transaction can be accepted or rejected and cash withdrawal without DCC can be selected.
The service is in compliance with the Visa and Mastercard rules, and the exchange rate according to which the conversion is executed is different than the exchange rate at the RBA branches.

ECB Exchange Rate for the European Economic Area

When withdrawing cash at RBA ATMs, by selecting card debiting in the currency of the card user (Dynamic Currency Conversion – DCC transaction), the exchange rate as shown in Table is applied for clients from the European Economic Area.

Total currency conversion charges are shown as percentage mark-ups over the latest available euro reference rates as set by the European Central Bank (ECB).