Partner banka d.d.

Partner banka d.d. is a Croatian commercial bank based in Zagreb, operating under authorization and supervision of the Croatian National Bank and within the EU regulatory framework (CRR/CRD, PSD2, GDPR). It offers standard retail and SME services including EUR current and savings accounts (IBANs beginning with HR), term deposits with defined maturities and early-withdrawal conditions, debit and credit cards, domestic SEPA credit transfers, and international payments via SWIFT; availability of SEPA Instant depends on channel and counterparty reach. Lending typically covers overdrafts, consumer and housing loans for individuals, and working-capital and investment financing, guarantees, and other basic cash‑management services for businesses, subject to credit assessment, collateral, and pricing stated in contractual documentation. Digital banking is provided through internet and mobile channels with strong customer authentication and 3‑D Secure for cards; open‑banking access is supported in line with PSD2. Fees are published in the bank’s tariff and usually include account maintenance, card issuance/renewal, cash withdrawals (own and other ATMs), transfers (domestic and cross‑border), cash handling, and various loan‑related charges (processing, collateral registration, early repayment where applicable); foreign‑currency transactions and card payments follow scheme and exchange‑rate rules disclosed in the bank’s documentation. As with other Croatian institutions, deposits are protected up to EUR 100,000 per depositor per bank under the national deposit guarantee scheme; Croatia adopted the euro on 1 January 2023, and legacy HRK balances were converted at the fixed rate of 7.53450. Account opening generally requires in‑person identification and standard KYC documents, with enhanced due diligence for non‑residents and legal entities; business customers must provide corporate registration and beneficial‑ownership information. The bank publishes audited financial statements, risk disclosures (including Pillar 3), and product terms; operational features such as branch footprint, cut‑off times, and digital functionality may vary by location and channel, and customers should review current schedules, limits, and conditions before transacting.