--- title: "PBZ CARD d.o.o. · Electronic money institution (Croatian National Bank) · Croatia | Elucidate" description: "PBZ CARD d.o.o. is authorised by Croatian National Bank as an electronic money institution in Croatia. Licence IEN112. LEI 5493001T7NJUN529UI86. Register status, licences, activities and ownership." url: https://elucidate.co/directory/pbz-card-d-o-o-ca523b608942 --- 1. [Directory](https://elucidate.co/directory) 2. [Croatia](https://elucidate.co/directory/country/hr) 3. PBZ CARD d.o.o. Croatia · Payments & e-money # PBZ CARD d.o.o. PBZ Card d.o.o. is a limited liability company based in Zagreb. The Croatian National Bank (HNB) authorises it as an electronic money institution under registration number IEN112. Privredna banka Zagreb d.d. owns 100% of the firm, and Intesa Sanpaolo is the ultimate parent. It issues Premium Visa charge, credit, business and prepaid cards to consumers and businesses in Croatia. It also sells Privredna banka Zagreb's own cards. Since March 2023 it has signed card acceptance contracts with merchants in the name and for the account of Nexi Croatia d.o.o., which is the acquirer. Until the end of 2019 it issued American Express cards in Croatia. Register status Licensed in Croatia Electronic money institution · Croatian National Bank Prudential licence [1 licence or registration ↓](https://elucidate.co/directory/pbz-card-d-o-o-ca523b608942#licences) BIC **No BIC** LEI **[5493001T7NJUN529UI86](https://search.gleif.org/#/record/5493001T7NJUN529UI86)** [Licence no. **IEN112**](https://elucidate.co/directory/pbz-card-d-o-o-ca523b608942#licences) [Group: Intesa Sanpaolo SPA](https://elucidate.co/directory/group/2W8N8UU78PMDQKZENC08) ## Licences and registrations Held by PBZ CARD d.o.o. (LEI 5493001T7NJUN529UI86). 1 entry on 1 of the 22 tracked registers, retrieved 25 September 2026. | Register | Licence | Number | Jurisdiction | Status | Registered | Ends | Activities | Register entry | | --- | --- | --- | --- | --- | --- | --- | --- | --- | | [EBA PSD2 Register](https://elucidate.co/directory/register/eba-psd2) Croatian National Bank | Electronic money institutionE-Money / Stored Value Institution | IEN112 | [Croatia](https://elucidate.co/directory/country/hr) | Active | 2011-12-16 | — | - Payment services - Card acquiring - E-money / stored value | [Search the register ↗](https://euclid.eba.europa.eu/register/pir/search) | - Each licence applies in the country of the regulator that granted it. - Registers are tracked in 37 countries. Licences granted elsewhere are not recorded here. ## Swift network Swift’s ISO 9362 BIC directory Holds no BIC in Swift’s directory. Its LEI is not mapped to a BIC in the Swift and GLEIF BIC-to-LEI relationship file. ## Overview Researched 29 Sep 2026 · [Sources](https://elucidate.co/directory/pbz-card-d-o-o-ca523b608942#overview-sources) Customers Not published Employees Not published Ownership Group subsidiary 100% Privredna banka Zagreb d.d. Firm type Other Trades as PBZ Card - **Standing:** Since 1 March 2023, Nexi Croatia d.o.o. has been the acquirer for card acceptance contracts signed through PBZ Card. PBZ Card concludes these contracts in Nexi Croatia's name and for its account. PBZ Card stopped issuing American Express cards at the end of 2019 and replaced them with Visa cards. - **Ownership:** Privredna banka Zagreb d.d. owns 100% of the firm, and Privredna banka Zagreb belongs to the Intesa Sanpaolo group. - **Direct parent:** [Privredna banka Zagreb d.d.](https://elucidate.co/directory/privredna-banka-zagreb-d-d-pbzghr2x), Croatia 100% - **Ultimate owner:** Intesa Sanpaolo S.p.A., Italy - **Head office:** Radnička cesta 44, 10000 Zagreb, Croatia - **Company register:** Commercial Court in Zagreb MBS 080258649 (OIB 28495895537) ### Online - **Websites & references:** [pbzcard.hr ↗](https://www.pbzcard.hr/) [pbzcard-premium.hr ↗](https://pbzcard-premium.hr/) Premium Visa card product site [pbzcard-travel.hr ↗](https://www.pbzcard-travel.hr/) PBZ Card Travel (travel agency) [premiumrewards.hr ↗](https://premiumrewards.hr/) Premium Rewards loyalty programme [pbz-nekretnine.hr ↗](https://www.pbz-nekretnine.hr/) Real estate brokerage site [myway.pbzcard.hr ↗](https://myway.pbzcard.hr/MyWay/login.html) MyWay cardholder web application - **Official social accounts:** [LinkedIn ↗](https://www.linkedin.com/company/pbz-card/) · [Facebook ↗](https://www.facebook.com/PBZCardPremium/) · [YouTube ↗](https://www.youtube.com/user/PBZcardHR) Sources · 12 pages consulted 1. [hnb.hr/documents/d/guest/e-registar-pruzatelja-platnih-usluga-i-izdavatelja-e-novca-pdf](https://www.hnb.hr/documents/d/guest/e-registar-pruzatelja-platnih-usluga-i-izdavatelja-e-novca-pdf) 2. [pbzcard.hr/o-nama/podaci-o-pbz-cardu/](https://www.pbzcard.hr/o-nama/podaci-o-pbz-cardu/) 3. [pbzcard.hr/o-nama/tko-smo-mi/](https://www.pbzcard.hr/o-nama/tko-smo-mi/) 4. [pbzcard.hr/o-nama/menadzment/](https://www.pbzcard.hr/o-nama/menadzment/) 5. [pbzcard.hr/prihvacanje-kartica/ugovorite-prihvacanje-kartica/](https://www.pbzcard.hr/prihvacanje-kartica/ugovorite-prihvacanje-kartica/) 6. [pbzcard.hr/o-nama/uvjeti-poslovanja/](https://www.pbzcard.hr/o-nama/uvjeti-poslovanja/) 7. [pbzcard.hr/media/ntkkdoy5/uvjeti-poslovanja-pbz-card-prepaid-kartica.pdf](https://www.pbzcard.hr/media/ntkkdoy5/uvjeti-poslovanja-pbz-card-prepaid-kartica.pdf) 8. [pbzcard.hr/o-nama/korporativni-dokumenti/](https://www.pbzcard.hr/o-nama/korporativni-dokumenti/) 9. [pbzcard.hr/hr/o-nama/media-centar-i-novosti/priopcenja/obavijest-o-novom-karticnom-proizvodu-koji-ce](https://www.pbzcard.hr/hr/o-nama/media-centar-i-novosti/priopcenja/obavijest-o-novom-karticnom-proizvodu-koji-ce-zamijeniti-american-express-karticu/) 10. [pbzcard.hr/o-nama/media-centar-i-novosti/priopcenja/nexi-croatia-i-pbz-card-postaju-strateski-partne](https://www.pbzcard.hr/o-nama/media-centar-i-novosti/priopcenja/nexi-croatia-i-pbz-card-postaju-strateski-partneri-u-poslovima-prihvacanja-platnih-kartica/) 11. [poslovnifm.com/gia/gia-izlog/nexi-croatia-i-pbz-card-postaju-strateski-partneri-u-poslovima-prihvacanja-](https://www.poslovnifm.com/gia/gia-izlog/nexi-croatia-i-pbz-card-postaju-strateski-partneri-u-poslovima-prihvacanja-platnih-kartica/) 12. [pbzcard-premium.hr/online-usluge/myway/](https://pbzcard-premium.hr/online-usluge/myway/) ## Authorisation Researched 29 Sep 2026 · [Sources](https://elucidate.co/directory/pbz-card-d-o-o-ca523b608942#overview-sources) - **Operates under:** Several models - **Licensed firm it operates under:** Nexi Croatia d.o.o., Croatia Distributor of card acceptance services in the name and for the account of Nexi Croatia, the acquirer, since 1 March 2023 The HNB authorises the firm as an electronic money institution, including issuing payment instruments and acquiring payment transactions. Since March 2023 Nexi Croatia d.o.o. has been the payment service provider for card acceptance, and PBZ Card acts as its distributor. | Authority | Licence or registration | Number | Held | Status | Source | | --- | --- | --- | --- | --- | --- | | Croatian National Bank (HNB) Croatia | Electronic money institution | IEN112 | In its own name | Active | [hnb.hr ↗](https://www.hnb.hr/documents/d/guest/e-registar-pruzatelja-platnih-usluga-i-izdavatelja-e-novca-pdf) | Licences and registrations the research found, at home and abroad, as the firm and its regulators publish them. The Licences and registrations card shows the entries on the registers the directory tracks. ## Partners and safeguarding Researched 29 Sep 2026 · [Sources](https://elucidate.co/directory/pbz-card-d-o-o-ca523b608942#overview-sources) - **Acquirer / processor:** Nexi Croatia d.o.o. Croatia [pbzcard.hr ↗](https://www.pbzcard.hr/prihvacanje-kartica/ugovorite-prihvacanje-kartica/) - **Payment schemes and card networks:** Visa Access not stated [pbzcard.hr ↗](https://www.pbzcard.hr/o-nama/tko-smo-mi/) Banks and regulated firms the firm says hold its customers’ money, issue its cards, sponsor its accounts or settle its payments, as it discloses them in its terms and notices. ## Products and markets Researched 29 Sep 2026 · [Sources](https://elucidate.co/directory/pbz-card-d-o-o-ca523b608942#overview-sources) - Prepaid cards - Merchant acquiring - Debit cards It issues its own Premium Visa charge, revolving credit, business and prepaid cards, and sells Privredna banka Zagreb's Visa, Mastercard and Maestro cards. It also signs card acceptance contracts with merchants on behalf of Nexi Croatia, and runs travel agency and real estate brokerage services. It serves customers in Croatia. The HNB register shows no services provided in other member states. - **Sells to:** Consumers · Small businesses · Enterprises - **Serves customers in:** Croatia ## Leadership Researched 29 Sep 2026 · [Sources](https://elucidate.co/directory/pbz-card-d-o-o-ca523b608942#overview-sources) - **Chief executive:** Mislav Blažić Predsjednik Uprave (President of the Management Board) Confirmed 29 Sep 2026 · [pbzcard.hr ↗](https://www.pbzcard.hr/o-nama/menadzment/) - **Chair:** Dinko Lucić Predsjednik Nadzornog odbora (Chair of the Supervisory Board) Confirmed 29 Sep 2026 · [pbzcard.hr ↗](https://www.pbzcard.hr/o-nama/menadzment/) - **Executive:** Ivan Ivičić Zamjenik predsjednika Uprave (Deputy President of the Management Board) Confirmed 29 Sep 2026 · [pbzcard.hr ↗](https://www.pbzcard.hr/o-nama/menadzment/) - **Executive:** Dražen Karakašić Član Uprave (Member of the Management Board) Confirmed 29 Sep 2026 · [pbzcard.hr ↗](https://www.pbzcard.hr/o-nama/menadzment/) ## Recent events Researched 29 Sep 2026 · [Sources](https://elucidate.co/directory/pbz-card-d-o-o-ca523b608942#overview-sources) 1. Mar 2023 Other PBZ Card and Nexi Croatia began a card acceptance partnership, with Nexi Croatia becoming the acquirer and PBZ Card acting on its behalf. [pbzcard.hr ↗](https://www.pbzcard.hr/o-nama/media-centar-i-novosti/priopcenja/nexi-croatia-i-pbz-card-postaju-strateski-partneri-u-poslovima-prihvacanja-platnih-kartica/) Compliance-relevant events of the last three years, newest first: fines and enforcement, investigations, security incidents, licence changes, funding rounds, acquisitions and leadership changes. Each links to its source. ## Identifiers - **Licence no. · EBA-PSD2:** IEN112 - **BIC:** Holds no BIC in Swift’s directory - **LEI:** [5493001T7NJUN529UI86 ↗](https://search.gleif.org/#/record/5493001T7NJUN529UI86) - **How the LEI was matched:** Matched by Elucidate to GLEIF on name, country and address - **Elucidate firm ID:** ca523b608942 ## Profile - **Type:** Payments & e-money - **Regulation:** Prudential licence - **Main licence class:** E-Money / Stored Value Institution - **Activities:** - Payment services - Card acquiring - E-money / stored value - **Licensed in:** [Croatia](https://elucidate.co/directory/country/hr) · Europe & Central Asia - **First registered:** 2011-12-16 Types come from Swift’s BIC classification, the licences on the 22 tracked registers, and the ECB and FSB bank lists. Most banks outside the euro area appear as financial institutions, because their supervisors’ registers are not tracked yet. ## Ownership and group GLEIF relationship records - **Direct parent:** [Privredna Banka Zagreb - Dioničko Društvo](https://elucidate.co/directory/privredna-banka-zagreb-d-d-pbzghr2x) · Croatia[549300ZHFZ4CSK7VS460 ↗](https://search.gleif.org/#/record/549300ZHFZ4CSK7VS460) - **Ultimate parent:** [Intesa Sanpaolo SPA](https://elucidate.co/directory/intesa-sanpaolo-spa-bcititmm) · Italy[2W8N8UU78PMDQKZENC08 ↗](https://search.gleif.org/#/record/2W8N8UU78PMDQKZENC08) The Intesa Sanpaolo SPA group has 39 institutions in the directory, in 32 countries: 38 hold a BIC and 1 does not. Including [Intesa Sanpaolo SPA](https://elucidate.co/directory/intesa-sanpaolo-spa-bcititmm), [Intesa Sanpaolo Private Banking SPA](https://elucidate.co/directory/intesa-sanpaolo-private-banking-spa-bcititm3), [Privredna Banka Zagreb D.D](https://elucidate.co/directory/privredna-banka-zagreb-d-d-pbzghr2x), [Banka Intesa Sanpaolo D.D.](https://elucidate.co/directory/banka-intesa-sanpaolo-d-d-bakosi2x), [Intesa Sanpaolo SPA Filiale Frankfurt](https://elucidate.co/directory/intesa-sanpaolo-spa-filiale-frankfurt-bcitdeff). [See the Intesa Sanpaolo SPA group →](https://elucidate.co/directory/group/2W8N8UU78PMDQKZENC08) Group membership follows the accounting-consolidation relationships reported to GLEIF. It does not show ownership shares or control. ## Addresses - **Address on the register:** Radnička cesta 44, ZAGREB, 10000 - **Country:** Croatia ## ISO 20022 identification As an agent in a Swift cross-border payment message (CBPR+) This institution holds no BIC. A CBPR+ message identifies it by name and postal address, and may add its LEI or a clearing code. - **Identified by:** Name and postal address, with its LEI - **Postal address:** Hybrid: town, postcode and country in their own elements, the rest in one address line ```xml 5493001T7NJUN529UI86 PBZ CARD d.o.o. 10000 ZAGREB HR Radnička cesta 44 ``` - CBPR+ does not accept the character č in names and addresses. Transliterate before sending. CBPR+ identifies the instructing and instructed agents by BIC only. An institution without a BIC can be the debtor, creditor or an intermediary agent. The values are as published by the register. Check them against your own records before use. ## Related institutions ### Same group - [Privredna Banka Zagreb D.D BIC PBZGHR2X Credit institution Prudential licence Croatia · On the ECB list of supervised entities · LEI 549300ZHFZ4CSK7VS460](https://elucidate.co/directory/privredna-banka-zagreb-d-d-pbzghr2x) - [Intesa Sanpaolo SPA BIC BCITITMM Credit institution Prudential licence Italy · On the ECB list of supervised entities · LEI 2W8N8UU78PMDQKZENC08](https://elucidate.co/directory/intesa-sanpaolo-spa-bcititmm) - [Intesa Sanpaolo Private Banking SPA BIC BCITITM3 Credit institution Prudential licence Italy · On the ECB list of supervised entities · LEI 8156004F298245FBB836](https://elucidate.co/directory/intesa-sanpaolo-private-banking-spa-bcititm3) - [Banka Intesa Sanpaolo D.D. BIC BAKOSI2X Credit institution Prudential licence Slovenia · On the ECB list of supervised entities · LEI 549300ECJDDLOVWWL932](https://elucidate.co/directory/banka-intesa-sanpaolo-d-d-bakosi2x) - [Isybank S.P.A. BIC ISYBITMM Credit institution Prudential licence Italy · On the ECB list of supervised entities · LEI 81560095E5C286EA9562](https://elucidate.co/directory/isybank-s-p-a-isybitmm) - [Intesa Sanpaolo Bank Luxembourg S.A BIC SEBKLULL Credit institution Prudential licence Luxembourg · On the ECB list of supervised entities · LEI 549300H62SNDRT0PS319](https://elucidate.co/directory/intesa-sanpaolo-bank-luxembourg-s-a-sebklull) - [Intesa Sanpaolo Wealth Management S.A. BIC CBPXLULL Credit institution Prudential licence Luxembourg · On the ECB list of supervised entities · LEI 549300OZSHE4H5BFQA66](https://elucidate.co/directory/intesa-sanpaolo-wealth-management-s-a-cbpxlull) - [Vseobecna Uverova Banka A.S BIC SUBASKBX Credit institution Prudential licence Slovakia · On the ECB list of supervised entities · LEI 549300JB1P61FUTPEZ75](https://elucidate.co/directory/vseobecna-uverova-banka-a-s-subaskbx) [All 39 institutions in the Intesa Sanpaolo SPA group →](https://elucidate.co/directory/group/2W8N8UU78PMDQKZENC08) ### Other payments & e-money institutions in Croatia - [Aircash d.o.o. No BIC Payments & e-money Prudential licence Croatia · Licensed by Croatian National Bank · IEN116 (EBA-PSD2) · LEI 747800Y0J7JFIMB91F97](https://elucidate.co/directory/aircash-d-o-o-b19945733514) - [Hrvatski Telekom d.d. No BIC Payments & e-money Prudential licence Croatia · Licensed by Croatian National Bank · IPP421 (EBA-PSD2) · LEI 097900BFHJ0000029454](https://elucidate.co/directory/hrvatski-telekom-d-d-3602665bbb2b) - [PRIMEX PAYMENTS d.o.o. No BIC Payments & e-money Prudential licence Croatia · Licensed by Croatian National Bank · IEN117 (EBA-PSD2) · No LEI mapped](https://elucidate.co/directory/primex-payments-d-o-o-a75e59a40697) - [Corvus Pay D.O.O. BIC COYDHR22 Payments & e-money Prudential licence Croatia · Licensed by Croatian National Bank · IPP413 (EBA-PSD2) · LEI 984500BE715V79F76C18](https://elucidate.co/directory/corvus-pay-d-o-o-coydhr22) - [ELEKTRONIČKI RAČUNI d.o.o. No BIC Payments & e-money Prudential licence Croatia · Licensed by Croatian National Bank · IPP414 (EBA-PSD2) · LEI 747800K06CJWN6ZD8F52](https://elucidate.co/directory/elektronicki-racuni-d-o-o-731e6018b2a5) - [Global Payments d.o.o. No BIC Payments & e-money Prudential licence Croatia · Licensed by Croatian National Bank · IPP418 (EBA-PSD2) · No LEI mapped](https://elucidate.co/directory/global-payments-d-o-o-159a443f3e57) - [HITRA produkcija dokumenata d.o.o. No BIC Payments & e-money Prudential licence Croatia · Licensed by Croatian National Bank · IPP417 (EBA-PSD2) · LEI 2549005QN5XUM17OK742](https://elucidate.co/directory/hitra-produkcija-dokumenata-d-o-o-8a928b868a7f) - [INTIS d.o.o. No BIC Payments & e-money Prudential licence Croatia · Licensed by Croatian National Bank · IPP416 (EBA-PSD2) · LEI 984500953B87BV1A1A85](https://elucidate.co/directory/intis-d-o-o-a4e40e4e0915) [See all →](https://elucidate.co/directory/search?type=payments&cc=HR) [Other entries on EBA-PSD2 →](https://elucidate.co/directory/register/eba-psd2) Sources & method Register entries come from the public registers of financial regulators, standardised into one taxonomy. LEIs are matched through GLEIF, and a BIC is linked only through a shared LEI. An institution missing from these registers is not necessarily unregulated. Register entries are not matched against the OFAC or EU sanctions lists. Where the legal entity also holds a BIC, the matches for that BIC are on its page. Always screen against the official lists. An institution is one entry in the directory: a BIC8 in Swift’s directory, or a firm on a tracked register that holds no BIC. Licences held by an institution with a BIC are shown on its page. [Read the methodology →](https://elucidate.co/directory/methodology) Register for this page - **EBA PSD2 Register**—European Banking Authority (EBA) · [source ↗](https://euclid.eba.europa.eu/register/pir/search) as at 25 September 2026 - **Ownership and group**—GLEIF Level 2 relationship records (accounting consolidation), matched by LEI. - **Overview, authorisation, partners, products, leadership and events**—researched per institution by an AI model with web search, from the firm's own website, terms and filings, regulators' registers and notices, company registers and news. Licences, partners, figures, people and events link to their source, and each card shows the research date. AI research can be wrong or out of date, so check key facts at the source. ## Assess the financial crime risk behind a licence A licence records what an institution is authorised to do; it does not assess it. The [Elucidate FinCrime Index (EFI)](https://elucidate.co/ratings) is an independent score of the financial crime risk of banks and payment institutions. [Book a demo](https://elucidate.co/demo-request) Licence and registration data are drawn from the public registers of the regulators named on each page and shown for information only; the official register is always the authority. LEIs and ownership are from GLEIF. Directory and gpi data are drawn from SWIFT's public sources. SWIFT, Swift gpi and UETR are trademarks of S.W.I.F.T. SC, Avenue Adèle 1, 1310 La Hulpe, Belgium. Elucidate is not affiliated with, endorsed by or sponsored by SWIFT or any regulator named here. Elucidate does not provide payment or other financial services.