PBZ
PBZ (Privredna banka Zagreb) is a Croatian universal bank and wholly owned subsidiary of Intesa Sanpaolo Group, serving 800,000+ retail customers, SMEs, and large corporates through branches, ATMs, and a digital banking platform offering accounts, cards, loans, and investment services.
- Company typePrivate
- Founded1966
- HeadquartersZagreb, Croatia
- Headcount1,001–5,000
- GTM typeB2B and B2C
- OfferingServices
What PBZ does
PBZ (Privredna banka Zagreb d.d.), founded in 1966 and headquartered in Zagreb, Croatia, is a universal banking institution serving retail, SME, corporate, and institutional clients as a wholly owned subsidiary of Intesa Sanpaolo Group, the largest banking group in Italy. The bank serves over 800,000 Croatian retail customers through a multi-channel distribution model combining the largest ATM network in Croatia, an extensive branch network, a dedicated Sinergo Desk for SME service, and a digital banking platform (PBZ Digitalno Bankarstvo) supporting iOS, Android, and AppGallery. Core product lines include current accounts bundled in Standard (€1.99/month), Premium (€8.50/month), and Exclusive (€15.00/month) packages; payment cards (Visa Inspire, Visa Debit, Premium Visa Gold/Platinum, Mastercard Revolving/Charge); housing loans (3.48% APRC), non-purpose consumer loans (5.91% APRC), energy-efficient Energo krediti, tourism loans, and education loans (Educa krediti); and investment services via PBZ Investor and Eurizon Asset Management Croatia.
The underlying technology platform features proprietary mobile banking capabilities branded as #withCASH (cardless ATM withdrawals via one-time code), #withPAY (P2P mobile payments), #withSAVE (automated round-up savings with goal-setting), #withSIGN (qualified electronic signature), and Instant Plaćanja (10-second interbank transfers). The bank is PSD2-compliant with an Open API for third-party access, supports Apple Pay and Google Pay tokenization, and operates an AI-powered 24/7 virtual assistant chatbot. Card processing runs through subsidiary PBZ Card d.o.o. in partnership with Nexi Croatia, with Visa Inspire cards enabling installment payments at over 29,000 merchant locations in Croatia.
Revenue is generated through four primary streams: recurring account/package subscription fees, interest income from consumer and mortgage lending, card transaction and merchant acquiring fees, and commissions from distributing Eurizon investment funds, Generali insurance products, and Intesa Sanpaolo Assicurazioni life insurance. Distribution combines physical branches, digital self-serve, corporate relationship managers for large enterprises, retailer POS partnerships (Lesnina, IKEA), and correspondent banking for financial institutions. The bank operates as part of Intesa Sanpaolo's International Banks Division, with sister companies in Slovenia and Bosnia and Herzegovina, and has been entrusted with capital markets intermediation through a minibond issuance program. Significant 2024-2025 capital deployment includes approximately €232.6M from EIB, €29.5M from EBRD, and €150M from HBOR, supporting SME lending and green transition financing.
PBZ firmographics
Firmographics- Name
- PBZ
- Legal name
- Privredna banka Zagreb d.d.
- Website
- https://pbz.hr
- Company type
- Private
- Founded year
- 1966
- Operating status
- Operating
- Headcount range
- 1,001–5,000 employees
- Short description
- PBZ (Privredna banka Zagreb) is a Croatian universal bank and wholly owned subsidiary of Intesa Sanpaolo Group, serving 800,000+ retail customers, SMEs, and large corporates through branches, ATMs, and a digital banking platform offering accounts, cards, loans, and investment services.
- Ownership category
- akta.pro rank
PBZ industry classification
Industry- Product category
- Retail Banking
- NAICS
- Depository Credit Intermediation (5221), Savings Institutions and Other Depository Credit Intermediation (52218), Credit Card Issuing (52221), Nondepository Credit Intermediation (5222)
- SIC
- State Commercial Banks (6022)
- akta.pro primary industry
- Bank Bill Pay (Consumer & Small Business) (FSAMAJAC)
- akta.pro secondary industries
- BNPL Consumer Apps & Wallets (Discovery, Management) (FSAGAIAG), A2A Collections & Direct Account Funding (FSAMAFAH), B2B / Invoice-Based BNPL (Trade Credit at Checkout) (FSAGAIAC)
Keywords
Where PBZ is headquartered
LocationHeadquarters
- HQ city
- Zagreb
- HQ country
- Croatia
- HQ region
- Europe
Offices4 records
Markets served
PBZ business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Technology or R&D, Infrastructure, Marketing or Sales
Revenue model
- Transaction account and package fees: Monthly fees charged for account maintenance and bundled product packages (Standard 1.99 EUR, Premium 8.50 EUR, Exclusive 15.00 EUR), plus per-transaction fees for various banking services
- Interest income from lending: Interest earned on mortgage loans (representative rate 3.48% with mortgage), consumer loans (5.91% non-purpose), revolving credit cards, and permitted overdrafts (5.28% annual)
- Card transaction fees and commissions: Interchange fees, merchant discount rates, and commissions from card processing through PBZ Card d.o.o. subsidiary and Nexi Croatia partnership
- Digital banking subscription: Monthly fee of 1.59 EUR for online and mobile banking service (PBZ digitalno bankarstvo)
- Investment and insurance product distribution: Commissions from distributing Eurizon Asset Management investment funds, investment life insurance (Intesa Sanpaolo Assicurazioni), and property/casualty insurance through Generali partnership
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Monthly | Standard Package - Basic account with digital banking |
| Subscription | Monthly | Premium Package - Enhanced services with Gold card |
| Subscription | Monthly | Exclusive Package - Premium with comprehensive insurance |
| Subscription | Monthly | Current account in EUR - Base fee |
| Other | Monthly | Housing loan with mortgage |
| Other | Monthly | Non-purpose consumer loan |
| Other | Monthly | Permitted overdraft |
| Subscription | Monthly | Digital banking subscription |
| Transaction based/ take rate | Pay-as-you-go | Subsequent installment fee |
Go-to-market motion3 records
Distribution channels6 records
Marketing channels6 records
PBZ product offering
Product offeringCore offering
PBZ (Privredna banka Zagreb) is a Croatian retail and corporate bank offering current accounts, payment cards, housing and consumer loans, digital banking, investment funds, leasing, and insurance distribution. It serves individual consumers, students, small and medium enterprises, and large corporate clients through branch offices, digital channels, and dedicated relationship managers as a subsidiary of the Italian Intesa Sanpaolo Group.
Product overview
PBZ (Privredna Banka Zagreb) is a Croatian retail and corporate banking institution operating as a subsidiary of Intesa Sanpaolo Group. The product portfolio consists of a unified banking platform with multiple modules and service packages organized by customer segment: retail customers (građani), young customers and students, small enterprises, medium enterprises, and large corporations. Core products include transaction accounts (Tekući račun, PBZ Mladi, PBZ Lav), digital banking services (PBZ Digitalno Bankarstvo with #withCASH, #withPAY, #withSAVE, #withSIGN features), payment cards (Visa Inspire, Visa Debit, Premium Visa Gold/Platinum, Mastercard Revolving/Charge), loans (housing, energy-efficient, non-purpose, tourism, education), and investment services (PBZ Investor, Eurizon Asset Management Croatia). Service packages include Standard (1.99 EUR/month), Premium (8.50 EUR/month), and Exclusive (15.00 EUR/month). The bank also offers business banking through PBZ Sinergo 2.0 packages, insurance partnerships, leasing services, and a 24/7 AI-powered virtual assistant.
Differentiator
Problem solved
Functional benefit
Brands
- PBZ digitalno bankarstvo: Mobile and internet banking platform for retail and corporate customers
- PBZ Investor
- PBZ mladi
- PBZ Lav
- Indeks plus
- #withPAY
- #withCASH
- #withSAVE
- Sinergo
- PBZCOM@NET
Quantifiable outcome
- 29,000+ merchants accept installment payments
- +2 more outcomes
Companies that use PBZ
Customer profileNamed customers7 records
Segments1 record
Ideal customer profiles4 records
PBZ technology and API
TechnologyTechnology focussed No
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
Integration4 records
Feature8 records
PBZ partnerships and signals
Strategic signalPartnerships
15 partnerships are on record, tiered core and minor.
- Intesa SanpaolocorePBZ is a subsidiary of Intesa Sanpaolo, the largest banking group in Italy. The parent company provides strategic direction, technology platforms, product frameworks (e.g., Intesa Sanpaolo Assicurazioni insurance), and access to European banking network and cross-border services.
- PBZ Card d.o.o.coreSubsidiary company managing PBZ's card portfolio including Premium Visa cards, card issuing, and merchant acquiring services for POS terminals across Croatia.
- PBZ-Leasing d.o.o.coreSubsidiary providing leasing services for vehicles, equipment, and real estate to PBZ customers.
- PBZ Croatia osiguranje d.d.coreSubsidiary pension fund management company providing voluntary and mandatory pension insurance products.
- Intesa Sanpaolo Banka Bosna i HercegovinaminorSister company subsidiary operating in Bosnia and Herzegovina, part of PBZ Group's regional presence in the Western Balkans.
- Banka Intesa Sanpaolo d.d. (Slovenia)minorSister company subsidiary operating in Slovenia, part of Intesa Sanpaolo Group's Central European network.
- Nexi CroatiacoreCard processing and payment technology partner alongside PBZ Card for merchant POS terminal services and card transaction processing.
- Generali osiguranje d.d.coreInsurance provider for Exclusive package bundled products including travel health insurance, car assistance, and home assistance services.
- ANO d.o.o.minorInsurance broker intermediary for Exclusive package insurance products, receiving customer inquiries at [email protected].
- FINA (Financial Agency)Partnership with Croatian Financial Agency for e-invoicing services enabling electronic invoice exchange for business customers.
- Lesnina XXXLminorRetail partner offering 20% discounts and installment payments (up to 36 months interest-free) for furniture purchases with Visa Inspire card, valid until 15.7.2026.
- IKEA HrvatskaminorRetail partner offering installment payments (up to 36 months interest-free) for furniture and home products at IKEA Zagreb, studios, and online with Visa Inspire card, valid until 31.8.2026.
- Apple Inc.coreApple Pay integration enabling contactless mobile payments through PBZ Visa Inspire, Visa Debit, and Mastercard credit cards via iPhone and Apple Watch.
- Google LLCcoreGoogle Pay integration enabling contactless mobile payments through PBZ cards via Android devices.
- Eurizon Capital SGR S.p.A.coreInvestment management company providing investment fund products distributed through PBZ branches in Croatia and Luxembourg branch office.
Scale indicators6 records
Recent moves6 records
Expansion highlights6 records
PBZ competitors and assessment
Company assessmentDirect peers
- Zagrebačka banka: Croatia's largest bank by assets and a subsidiary of UniCredit. Directly competes with PBZ across retail, SME, and corporate banking with a similar full-service product portfolio in the Croatian market.
- Erste & Steiermärkische Bank: Major Croatian retail and corporate bank and part of Austria's Erste Group. Directly competes with PBZ in retail deposits, consumer lending, mortgages, and SME services across Croatia.
- Raiffeisenbank Austria (Croatia): Significant Croatian retail bank and subsidiary of Raiffeisen Bank International. Competes head-to-head with PBZ in retail current accounts, consumer loans, payment cards, and SME banking.
- OTP banka Hrvatska: Croatian subsidiary of Hungary's OTP Group, one of the largest banking groups in CEE. Directly competes with PBZ in retail, SME, and corporate banking, and has been expanding aggressively via M&A in Croatia.
- Addiko Bank: Austrian-headquartered CEE bank with Croatian operations focused on retail and SME lending. Directly competes with PBZ in consumer loans, current accounts, and digital banking.
- Hrvatska Poštanska Banka (HPB): Croatian state-owned bank offering retail, SME, and corporate banking. Directly competes with PBZ with a similar full-service product set and broad national footprint.
Regional players
- Nova Ljubljanska banka (NLB): Slovenian banking group with regional SEE presence. Comparable as a CEE banking franchise with similar international subsidiary structure and retail/corporate banking focus, although it does not directly compete in the Croatian market at PBZ's scale.
Broad incumbents
- Intesa Sanpaolo: Italian parent of PBZ and one of the largest banking groups in the Eurozone. Provides shared technology, product frameworks, and strategic direction to PBZ while operating broadly across retail, corporate, and investment banking in Italy and CEE.
- UniCredit: Major pan-European banking group operating in Croatia through its Zagrebačka banka subsidiary. Overlaps with PBZ across retail, corporate, and investment banking products in CEE, though UniCredit's portfolio extends well beyond Croatia.
Emerging players
- Revolut: UK-based global neobank with active operations in Croatia. Competes with PBZ in digital current accounts, P2P payments, and card-based spending, particularly for younger and digitally native customer segments.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat6 records
Key risks5 records
Key highlights7 records
Customer concentration
PBZ social profiles
Digital presencePBZ financial estimates
Financial estimateRevenue estimate
Valuation estimate
PBZ leadership team
Management profileNumber of profiles
PBZ subsidiaries and ownership
Company hierarchySubsidiaries5 records
PBZ funding detail
Funding detailFunding overview
Funding rounds3 records
Investors2 records
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
PBZ M&A and investment
M&A and investmentM&A
Investments8 records
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about PBZ
What does PBZ do?
PBZ (Privredna banka Zagreb) is a Croatian retail and corporate bank offering current accounts, payment cards, housing and consumer loans, digital banking, investment funds, leasing, and insurance distribution. It serves individual consumers, students, small and medium enterprises, and large corporate clients through branch offices, digital channels, and dedicated relationship managers as a subsidiary of the Italian Intesa Sanpaolo Group.
Is PBZ a public or private company?
PBZ is a private company. It is classified as corporate owned and is currently operating.
When was PBZ founded?
PBZ was founded in 1966. It employs 1,001 to 5,000 people.
Where is PBZ based?
PBZ is headquartered in Zagreb, Croatia, in the Europe region.
How does PBZ make money?
Five revenue lines are on record. Transaction account and package fees are the primary driver. The others are interest income from lending, card transaction fees and commissions, digital banking subscription and investment and insurance product distribution.
Who are PBZ's main competitors?
Direct peers on record are Zagrebačka banka, Erste & Steiermärkische Bank, Raiffeisenbank Austria (Croatia), OTP banka Hrvatska, Addiko Bank and Hrvatska Poštanska Banka (HPB). Nova Ljubljanska banka (NLB) is listed as a regional player. Broad incumbents are Intesa Sanpaolo and UniCredit. Revolut is listed as an emerging player.
Does PBZ have an API?
Yes. PBZ offers a PSD2 Open API for open banking, enabling third-party providers to access account information and payment services in compliance with EU payment services regulation. Developer documentation is at www.pbz.hr/gradjani/Open-API.html.
What industry is PBZ in?
PBZ's product category is Retail Banking. Its primary akta.pro industry code is FSAMAJAC, Bank Bill Pay (Consumer & Small Business), with a secondary code of FSAGAIAG, BNPL Consumer Apps & Wallets (Discovery, Management). Its NAICS code is 5221 and its SIC code is 6022.