Zagrebacka banka Fraud: How to Report It and Stop the Money
If money left your Zagrebacka banka account without your permission, or you paid a scammer, contact Zagrebacka banka straight away and ask it to block the payment and your card. The first minutes matter most.
Do this first
- Call Zagrebacka banka’s official line below, or use help inside the official Zagrebacka banka app. Never use a number from a text, a caller or a search result.
- Give them the transaction details (amount, time, and the account or number you paid) and ask them to block your card and stop or recall the payment.
- Change your online banking password and PIN if anyone may know them. Zagrebacka banka will never ask for your PIN, password or a one-time code.
- Report it to the police too: see who handles cybercrime in Croatia, and keep screenshots of every message and payment.
Official Zagrebacka banka fraud contacts
Zagrebacka banka (UniCredit)
Bank- Lost or stolen card:01 3789 789(24/7)
- Lost token or mobile phone (e-banking):01 3789 888(24/7)
- Info line:01 3773 333
Email: [email protected]
If Zagrebacka banka won’t help
Croatian National Bank (HNB): right to complain
Complain to the central bank if your bank does not resolve your complaint.
Complain to your bank first; it has 15 days to reply.
Official websiteYour rights as a Zagrebacka banka customer in Croatia
- EU Payment Services Directive (PSD2, Directive 2015/2366), Articles 73–74. Your bank must refund an unauthorised payment promptly, normally by the end of the next business day, unless it suspects fraud. If a lost, stolen or misused card or payment details were involved, your loss is capped at EUR 50, unless you acted fraudulently or with gross negligence. Payments you approved yourself, even if you were tricked, are usually not covered. Source
Report it to the police too
Cybercrime agencies in Croatia lists who to report to, and our step-by-step guide covers the rest: How to Report Cybercrime and Online Fraud in Croatia (2026).
Common questions about Zagrebacka banka fraud
- What is the Zagrebacka banka fraud helpline number?
- Zagrebacka banka lists these numbers on its own website: Lost or stolen card: 01 3789 789 (24/7); Lost token or mobile phone (e-banking): 01 3789 888 (24/7); Info line: 01 3773 333. Always dial the number printed on your card or shown in the official app if you are unsure.
- How do I report fraud to Zagrebacka banka?
- Call Zagrebacka banka's official line, or report it by email: [email protected]. Tell them the amount, the time and the account the money went to, and ask them to block your card or the payment.
- What if Zagrebacka banka will not help or refund me?
- In Croatia you can complain to Croatian National Bank (HNB): right to complain. Details of what each one handles are on this page.
Other providers in Croatia
These contacts were read on Zagrebacka banka’s own website on 3 October 2026. If a number has changed, use the one in the official app and tell us. Ministry of Cyber Affairs is not Zagrebacka banka and cannot recover money. All Croatia providers are in Bank Fraud Help: Croatia.