Podravska banka

mToken is an independent means of signing up for POBAklik internet banking services and is also used for signing payment orders. mToken is a separate application and a prerequisite for its use is the possession of an iPhone or Android smartphone.

You can arrange both services at any branch of the Bank. When contracting the service, the user is sent an SMS with a link to the application and activation codes, but the user can also download it by himself from the App Store or Google Play Store.

In the case of the mentioned situations, call the Bank's Info Center on +385 72 20 20 20 or contact any branch by email or entitled phone number. After confirming your identity, you will receive new activation codes. The mToken itself is protected by a PIN, which is secret information, so even in case of loss or theft of the mobile phone, no one will be able to access your mToken without a PIN.

eCash is a service of Podravska banka that enables Internet and mobile banking users to transfer funds to a current account with interest-free repayment in 3, 6, 9 and 12 monthly installments.

The eCash service can be used by all current account holders who have accepted overdraft on the POBArate limit. The specified limit can be regulated in any branch of the Bank.

No, the service can only be used by current account holders who have accepted overdraft on the POBArate limit.

The available POBArate limit amount can be checked via POBAklik internet banking, POBAgo mobile banking application and in the Bank's branches.

A one-time fee is charged from the current account immediately after the authorization of the transfer. The amount of the fee depends on the selected number of installments: 3 installments - 1.19%, 6 installments - 2.06%, 9 installments - 2.92%, 12 installments - 3, 79%.

To open a multi-currency current account at Podravska banka, all you need is an identity card or passport.

To open a giro account at Podravska banka, all you need an identity card or passport.

A prerequisite for contracting an overdraft is an open current account on which you are receiving regular income. Visit our nearest branch and provide us with a proof of income (last pay slip for employees or pension stub for retirees), ID card and a current account card.

Visit the nearest branch, ask for a check on the possibility of an increase and provide us with proof of income (last pay slip for employees or pension stub for retirees), ID card and a current account card.

Overdrafts and/or POBArate are granted to users of a current account with regular monthly incomes, and the amount of available overdraft can only be checked by visiting any branch of the Bank in person. The amount of overdrafts and/or POBArate is determined for each client individually.

You can have both services contracted, and you can always check the limit in the nearest branch.

SEPA (Single Euro Payments Area) is an area where consumers, business entities and public authorities can make and receive payments in euros under the same basic conditions, rights and obligations, regardless of their location. The SEPA area includes 36 countries: all European Union members and Iceland, Liechtenstein, Norway, Switzerland, Monaco, San Marino, Andorra and the Vatican.

You can find the order execution schedule at http://www.poba.hr under the Documents and information section.

A standing order and SEPA direct debit enable automatic payment of monthly obligations on time and without the need to personally go to the branch. A standing order is used to transfer funds of the same monthly amount (e.g. savings, pocket money or supplementary health insurance) where you choose the payment terms yourself (recipient account, payment amount, duration and payment dynamics). A standing order is executed on the agreed value date if there is enough cover in HRK on the account for order execution and fees and if there are no legal obstacles to its execution (e.g. account blocking). SEPA direct debit is a direct debit service compliant with the Single Payment Area in Euros (SEPA) and represents a payment service in HRK initiated by the payee towards the bank, based on the consent you’ve given to the payee.

The amount of the POBArate service is determined for each client individually up to a maximum of 30,000.00 HRK.

Yes, the installment limit works in the same way as a revolving credit. Therefore, by paying off each installment or making a complete early payment, the available amount of the installment limit is increased.

You can use the POBArate service with Podravska banka current account cards.

The approved amount of the installment limit and the remaining limit available can be checked on the account statement, POBAklik, POBAgo and at the Bank's branches.

At any POBA ATM in Croatia, you only need to select the POBAcash option, the desired number of installments (3, 6, 9 or 12 months) and withdraw cash. No interest is charged on the withdrawn amount of cash, only a one-time fee is charged, and that fee depends on the number of installments. The fee is charged immediately, and for the stated reason, there must be sufficient available funds in the current account to collect the fee. Otherwise, the transaction will be rejected.

A one-time fee is charged immediately when cash is withdrawn, and it depends on the selected number of installments: 1,19% for 3 installments,2,06% for 6 installments, 2,92% for 9 installments, 3,79% for 12 instalments. Note: There must be sufficient available funds in the current account to collect the fee. Otherwise, the transaction will be rejected.

At points of sale that have Podravska banka’s EFTPOS terminal of Podravska banka, it is necessary to swipe a Mastercard debit card and agree with the salesperson on the terms of payment (for how many installments and/or how many days of delay) and enter your PIN. The printout of the slip you receive at the EFTPOS terminal is your confirmation of the completed transaction.

All purchases with Mastercard cards for citizens over 500 HRK can be subsequently divided into 6, 12, 18 or 24 installments within the current month in which the purchase was made. The convenience of dividing purchases into installments can be used by all users of Podravska banka’s Mastercard Standard and Gold cards, for which there is no need to contract a special limit or sign additional documentation. It is important to note that you can use this benefit for purchases of 500 HRK or more, at any point of sale in Croatia, regardless of whether the Bank has an agreed business cooperation agreement or not. Transactions can be divided into installments only in the current month in which the purchase was made, by calling the Bank’s Info Center on +385 72 20 20 20 or in person at the Bank's office. For identification purposes, prepare your OIB (personal identification number given to residents and citizens in Croatia) and the last four digits of your Mastercard, which you will mention to the Bank employee. Payment installments are due according to the agreed billing model (8th, 15th or 22nd of the month).

Contactless technology enables a fast, simple and safe way of payment: payment is made in a few seconds; it is enough just to touch the card to the contactless reader; for purchases up to 250 HRK, there is no PIN authorization; control is in your hands (you do not hand the card over to the seller); the speed of payment makes it impossible to detect data; ideal for smaller purchase amounts (no worries about coins); it is ideal at points of sale where the faster payment speed is preferred.

Yes, the contactless payment method is safe. With contactless payment technology: the control is in your hands (you do not hand the card over to the seller); the speed of payment prevents data compromise; there is no accidental payment in transit (in order for the transaction to be carried out, the card must be targeted against the device itself); the same purchase cannot be charged more than once (even if you touch the card to the contactless reader more than once, the transaction can be carried out only once).

Yes, if the point of sale does not support contactless payment, you can pay with your contactless card in the standard way - by inserting or swiping on the POS device with PIN authorization. Therefore, you can use your card at any point of sale that does not support payment by contactless cards.

3D Secure is a free service for safe shopping with Mastercard and Visa cards at online stores that support the 3D service. During the financial confirmation of the purchase, you additionally confirm your identity by entering your phone's PIN, fingerprint or facial recognition. The exchange of secret data is done exclusively between you and the bank, and the online point of sale has no insight into the data being exchanged.

1. When shopping at an online point of sale that supports the 3D service, it will automatically connect to the bank and check whether the card used to make the payment supports the 3D service. 2. A screen opens with fields to be filled in and basic information about the transaction. After providing necessary information it is necessary to select “Pay” on the screen. 3. By clicking on the “Pay” option, a push notification will appear to the mobile device that needs to be clicked, or you will receive an SMS message with a code that will have to be entered at the online point of sale. 4. By clicking on the push notification, the mobile phone redirects you to the mToken application and asks you to confirm or reject the message. 5. After clicking on “Confirm”, it is necessary to click “Continue” on the online store screen. The online point of sale continues with the standard processing of the card transaction and sends us, the Bank, an authorization inquiry about the status of the card and the available balance on the account. 6. We check the availability of funds on the account and the correctness of the card data and, depending on the status of the check, approve or reject the transaction. 7. This confirms both the authentication and the transaction.

No, the activation process and use of the 3D Secure service is completely free.

You can activate the card via internet or mobile banking, in person at the Bank's branch or by calling the Info Center at +385 72 20 20 20.

Demand savings, fixed-term and cumulative savings can be arranged at any branch of Podravska banka, and you need an identity card or passport.

"Aktiviraj sitniš" is a unique and free Mastercard or Visa Electron debit card option that allows you to collect loose change in a savings account, enrich it with interest, and use it whenever you want.

The calculation, withholding and payment of taxes and surtaxes on the interest paid and any savings premium is performed by the Bank on behalf of the client when the interest is credited or paid, and the Tax Administration is informed about it. All domestic persons are liable for tax on accrued interest and any savings premium in the amount of 10% of the amount of taxable interest, increased by any surtax depending on the place of residence. Due to the accuracy of the calculation and payment of the surcharge, the owner of the deposit is obliged to provide the Bank with accurate information about his place of residence. Foreign persons are only liable for tax on accrued interest and any savings premium in the amount of 10% of the taxable interest amount, i.e., in the case of submission of additional documentation prescribed by the Tax Administration, in the amount of the tax rate defined by the Double Taxation Avoidance Agreement between the Republic Croatia and the country of residence or habitual residence of the non-resident client.

Deposits deposited in Podravska banka are insured by the State Agency for Insurance of Savings Deposits and Rehabilitation of Banks. The State Agency for Insurance of Savings Deposits and Rehabilitation of Banks insures depositors' deposits in the amount inclusive of up to 100,000 euros per depositor per credit institution in kunas equivalent according to the Croatian National Bank's middle exchange rate valid on the day of the insured event.

For fixed-term savings there is the possibility of contracting a power of attorney. When opening a power of attorney in branches, the presence of the owner and authorized representative is required for identification and signature of the power of attorney form. The authorized person has the right to dispose of the funds with the simultaneous closing of the term with the mandatory presentation of the original contract. The power of attorney terminates upon written revocation by the account owner or authorized representative, the death of the account owner, or the termination of the term.

If you need money while saving, you can terminate the savings prematurely at any branch of Podravska banka. Your saved funds are insured, and in that case the demand savings interest rate is calculated on them. In the case of early termination of a term deposit, Podravska banka charges a fee in accordance with the Decision on Fee Tariff of Podravska banka d.d.

With time deposits, the client undertakes to "hold" the funds with the bank for a long time, usually 12 or 24 months, and thereby acquires the right to a higher interest rate than the one on demand. In case of withdrawal of funds before the deadline, the bank pays the client a lower interest rate than the defined one. With a demand deposit, the client has the option to withdraw his funds at the branch office or through electronic banking at any time with the recognition of the interest rate, but the interest he earns with this type of savings is lower.

No. The demand savings account is not intended for payments because it does not have an IBAN structure. IBAN is an international transaction account number, which must be used to execute all payment transactions in domestic and international payment transactions. The owner can make unlimited payments to the current savings account, and payments can only be made to accounts of the same owner.

Demand savings are exempt from the obligation to pay taxes and interest surtax.

Demand savings, term savings and cumulative savings can be arranged at any branch of Podravska banka, and to arrange it you need the identity card or passport of the parent/guardian and the child.

Yes, the transfer of funds of a minor is allowed without a decision of the competent court and in an unlimited amount from the minor's account in the Bank to another account of the same minor in the Bank or to the account of the same minor in a different bank. As proof that the account in another bank is truly owned by the same minor, the legal representative must obtain a certificate proving ownership, i.e. the certificate must clearly identify the minor (name, surname, OIB) and link it to an account opened in Podravska banka or another bank . This also includes a transfer to a housing savings bank, in which case the legal representative needs to obtain proof that a housing savings account was opened in the name of a minor in order for the transfer to be made.

The custodial account is used for custodial tasks that include: storage and safekeeping of all types of financial instruments, set-off and settlement according to orders for the receipt and delivery of financial instruments, with or without payment, monitoring of corporate actions, timely reporting of all events that have an impact on the client's portfolio, reporting on the payment of dividends, interest or maturity of other instruments for collection, management of funds in domestic and foreign currency (with special adjustment for each individual client), participation and representation at regular and extraordinary meetings of shareholders, guided by the previously submitted client's instructions and other related services, regular reporting to clients through daily and periodic reports on the status of their custodial accounts, execution of other contractual obligations in in agreement with the client and in accordance with legal regulations.

The broker order (Zagreb Stock Exchange) can be placed in person, by phone, by email and through the POBA eBroker application.

The POBA eBroker service can be activated by any client who owns a computer, an Internet connection and has basic knowledge of IT literacy. The service can be activated when opening a brokerage account or by sending an inquiry to brokeri@poba.hr.

Through the POBA broker, you can buy shares of the world's largest companies such as Apple, Amazon, Microsoft or Facebook (Meta). Of course, there are also shares of our companies listed on the Zagreb Stock Exchange, such as Podravka, INA, Adris, Hrvatski Telekom and many others. Therefore, POBA offers mediation to its clients, except for the domestic capital market and all major European markets with a favorable brokerage fee of 0,20% to 0,25%, and the US and Canadian markets with a fee of 0,20%.

A margin loan is a dedicated loan for the purchase of financial instruments from the list of stocks suitable for granting a margin loan. The list is available at sales points and the Bank's website.

You can contact POBA brokers by calling +385 72 655 260 or by email at brokeri@poba.hr

A brokerage account can be opened at any branch of Podravska banka. To open a brokerage account, you need an identity card and a current account card (from any bank).

A custodial account can be opened at any branch of Podravska banka. It is a client's account opened by the Bank for custody of the Client's financials. The Client can entrust shares, bonds, cash and treasury bills, as well as all other financial instruments owned by the Client.

Investment funds are divided into four major categories - money, bond, mixed and share funds. Differences in the investment structure are also reflected in the riskiness of the funds. Money funds are the least risky, followed by bond and mixed funds, and stock funds are considered the most risky.

The riskiness of the fund represents the range of possible returns in the future, that is, the possibility that the return on your investment will be different than expected. Riskier funds, have a greater range of possible returns, therefore allow for potentially higher returns than less risky funds. However, higher losses are possible with riskier funds. It is up to you to decide what level of fund risk you are ready to take.

Tax is not paid if your investment is longer than 2 years. If you decide to sell your shares to the fund before this period has passed, you will be required to pay a tax of 12% on the amount of profit you have made, and depending on the place where you are registered, you will also pay a surtax. Because of all this, it is advisable to invest in funds for a period longer than 2 years.

The operation of investment funds is regulated by the Law on Open-Ended Investment Funds (Official Gazette 44/16), related regulations and European regulations. According to the Law, the operation of investment funds is supervised by the Croatian Financial Services Supervision Agency (HANFA). You can find out more about HANFA's work on the agency's website.

Open investment funds, with regard to the securities in which the fund invests its assets, are most often divided into stock, mixed, bond and cash. The fundamental documents of every investment fund are the prospectus and the rules of the fund, which define the characteristics of the each individual fund, including the investment limits, i.e. the riskiness of the instruments in which the investors' collected funds are invested. Read the detailed investment strategy for each fund in the fund prospectuses.

Respecting the principles of security, liquidity and risk distribution when investing the fund's assets, the main long-term goal of the management company is the professional investment of the collected funds and ensuring the liquidity of the fund, so that investors have a constant and safe possibility of cashing in their shares, while achieving the highest possible profitability in accordance with the assumed risk. The goal of the fund must correspond to your set goal. For example, if you invest with the intention of preserving your assets, then choose a low-risk fund.

The basic risks of investing in the fund are as follows: Systemic risks, Market risk, Currency fluctuations, Credit risk, Risk of changes in tax regulations, Risk of interest rate changes, Liquidity risk and Specific risks. You can find a detailed description of all important risks in the prospectus of each fund.

At the time of investment of assets in the fund, the following costs are charged: entry and exit fees, compensation to the Investment Fund Management Company and compensation to the depository bank. You can find a detailed description of all investment costs in the fund's prospectus.

Podravska banka's investment funds are managed by Generali Investments d.o.o., Savska cesta 106, 10000 Zagreb.

In order to purchase shares in the fund, please fill in the Request for Issuance of Shares (along with the Access Statement and accompanying documents). You can submit the completed forms to the company (Generali Investments) via e-mail at fondovi@generali-investments.hr, or to the fax number +385 1 4864 064. Along with the company forms, you must also submit a copy of your personal document (ID, passport or drivers license) and current account card. By signing the Access Statement, you declare that you are familiar with the prospectus of the fund in which you wish to invest. The payment can be made through internet banking or by paying in any financial institution. The number of shares purchased is calculated to four decimal places, and the minimum payment is determined by the prospectus of the each individual fund.

If you would like to sell your shares in the fund, please fill out the Request for redemption of shares form. You can send the completed and signed form, together with a copy of your personal document (ID, passport or drivers license) and current account card, to the company (Generali Investments) scanned by e-mail at fondovi@generali-investments.hr or by fax at +385 1 4864 064. If the request for payment of shares is received on a working day by 2 p.m., the share holder is recognized with the price of shares in the fund valid on that day. If the request for payment of shares is received on a working day after 2 p.m. or on a day that is not a working day, the day of the payment request is considered the first following working day. The company will pay the shareholder the funds based on the purchase of shares in the fund, reduced by the amount of the exit fee if the fee exists, no later than within 7 (seven) days from the day of receipt of the properly completed request for payment and other necessary documentation. For received requests that are not filled in correctly, it is considered that they were not even received.

The fund's assets are divided into equal parts, and each one of those parts is called a share. A share is the basic unit that makes up the fund and is purchased when investing, and represents a proportional part in the total assets of the open investment fund. The daily value of one share (which changes daily due to changes in the prices of securities in the fund's portfolio) is obtained by the mathematical operation by dividing the fund's net assets with the number of shares in circulation (the number of fund shares currently held by the investor).

The share price/value is calculated every business day for the previous business day.

During the transfer of funds to the fund, shares are calculated at the price valid on the day of submission of the Request for the issuance of shares, that is, on the day that the payment was made. For example, if the payment was made on working day x at 11:00 a.m., it will be calculated on day x+1 (provided that x+1 is a working day) at the price that was valid on the day x. The same applies to the Redemption Request shares.

The price/value of shares can be found out by calling +385 1 486 4060 and on the website www.generali-investments.hr

Management fees and deposit bank fees are already included in the published share price/value, which means that it is not necessary to pay them additionally.

The fastest way to buy/sell shares is via the Internet, where you can immediately fill out the Access Statement and Request for Share Issuance forms and make a payment via internet banking, or to sell shares, it is enough to fill out the Request for Share Redemption form.

Yes there is. When transferring funds from one fund to another, the exit fee and entry fee are not charged in either case.

After the client submits a Request for share redemption, the payment of funds to him is calculated according to the value of the share valid for the day of receipt of the complete request, if the request is received by 2 p.m. According to the Fund's Prospectus, the Company is obliged to pay out the calculated funds no later than 7 days after receiving a complete request for payment. A complete request for payment consists of a properly completed Request for share redemption form, a copy of the investor's identity card and a copy of the investor's bank card, or for legal entities an extract from the court register no older than three months, a copy of the responsible person's identity card and a copy of the giro account agreement.

ENTRY FEES: Considering the differently structured fees due to the diversity of the funds managed by the company, we refer you to the brochure of each fund, where the entry fees are detailed. EXIT FEES: Considering the differently structured fees due to the diversity of the funds managed by the company, we refer you to the brochure of each fund, where the exit fees are detailed. MANAGEMENT FEE The Generali Plus fund has a management fee of 1,25%. For the Generali Balanced fund, the management fee is 3,25%, and for the Generali First Choice fund, the management fee is 2,00%. The management fee for the Generali Nova Europa and Generali Victoria funds is 2,50%, and for the Generali Energija fund 3,00%, while the Generali BRIC and Generali Europa funds have a management fee of 3,50%.

The entry fee is the amount that the company charges the client for the investment itself. The investor can make as many payments as he wants and in any period with only one limitation - no payment can be less than the minimum specified in the brochure of each fund. For each payment to a certain fund, a certain percentage of the entrance fee is charged depending on the amount invested and the fund in which it is invested. Example: if the investor invests 1,000.00 EUR, the entry fee is 1,000.00 EUR x 2.00% / 102.00 = 19.61 EUR, and his investment (the part that is converted into shares) is 1,000.00 EUR - 19.61 EUR = 980.39 EUR. This amount is divided by the value of the fund's shares on the day of calculation (value of the fund's shares on the day when the investor's payment gets processed to the fund's account) and thus the number of shares that the investor bought was obtained. The exit fee is charged depending on the investment period in the fund (exit fees according to fund brochure), with the same limitation as for the payments - the minimum payout amount is according to fund brochure. When charging the exit fee, the total uninterrupted period during which the investor owned a share in the fund is counted as the investment period. The exit fee is charged only during the final payment of funds from Generali Investments funds.

No, the management fee is calculated daily and its value is subtracted during the calculation and subsequent publication of the share price/value.

On the basis of the Request for the issue of units and the notification of the inflow of cash payment to the fund account (statement), the calculation of the payment is made and the investor is issued a statement of the balance on the investment account. The number of shares for the investor is calculated on the basis of the amount paid, minus the costs of the entrance fee and the price of the share valid on the day of recording the payment to the fund account. The status and value of shares can be found out by calling our phone number +385 1 486 4060 and on the website www.generali-investments.hr.

The advantage of investing funds in investment funds is manifested in the greater possibility of sharing the risk of the invested funds. An important advantage of the funds is the professional management and management of the portfolio, because it respects the basic principles of profitability, security and liquidity, as well as the possibility of achieving lower costs in trading securities and other financial instruments due to the large volume of business transactions and the existence of appropriate mechanisms for monitoring and protecting investors (legal regulations, HANFA and others).

If the investor is extremely conservative, the most suitable fund for him would be the Generali Plus (short-term bond fund). If the investor is moderately conservative and accepts moderate risk, the recommendation is the Generali Balanced (mixed fund). If the investor is for a more dynamic form of investment and accepts a slightly higher risk, the recommendation is either Generali Victoria, Generali Nova Europa (equity fund), Generali Energija (equity fund), Generali Prvi izbor (equity fund of funds), Generali Europa, or Generali BRIC (stock fund). The generally recommended minimum duration of investment with regard to the type of funds invested in is shown in the continuation: money funds for the investment up to 6 months; bond funds for the investments from 6 months to 1 year; mixed funds for the investments from 1 to 3 years and stock funds for the investments over 3 years.

You can find prospectuses and rules of funds, as well as key information for investors on our website www.poba.hr.

As the assets of the funds are invested in various securities of numerous issuers, the risk is maximally dispersed and the possibility of complete "failure" is minimal. Fund assets are owned by investors, so in case of liquidation of the fund, funds are distributed to share owners, in accordance with their share in the fund's assets.

Our doors are open to new employees from whom we expect new knowledge and skills and who are looking for a challenging and motivating work environment. If there are no open positions, and you want your resume to be stored in our database, send your resume to posao@poba.hr. The collected data is considered confidential and will be used only and exclusively for the purpose of selecting candidates for a position in Podravska banka d.d. and will not be used for other purposes or forwarded to third parties. The period of storage of personal data depends on the purpose of collection, so in this case it will be determined by the duration of the recruitment process for the position you have applied for, or in the case of sending an open offer for employment until the withdrawal of consent to data processing. At any time, you have the right to request from the Bank access to your personal data, correction or deletion of personal data or restriction of processing of personal data relating to you, or the right to object to the processing of such personal data. When the next job position is open, if your knowledge and skills match the criteria in the job listing, we will take into account your CV.