Visa Business

Visa Business

Visa Business card is a cashless means of payment intended for corporate customers and owners of small businesses with the registered offices in the Republic of Croatia, who wish to efficiently manage their operating and travel costs, with various perquisites.

Take the advantages we offer

Manage your finances simply and swiftly, always and everywhere.Take all the advantages because Visa Business card of OTP banka offers:

  • 24-hour a day access to your funds via wide Visa ATM network and the points of sale in the country and abroad
  • simpler billing, as numerous bills are joint into a single monthly transaction
  • up to 40 days of deferred payment
  • care-free trips as you need not worry about advances on travel orders
  • a solution where even costs incurred in FCY are billed in LCY
  • each transaction qualifies for VAT deduction (every time the card is used as a point of sale, the holder should ask for a cashless receipt R-1)


Every business trip is comfortable and safe with the Visa Business card

Visa Business card holders travelling abroad can receive information and use a number of services when planning a trip and staying out of the country through the VISA Global Customer Assistance Service (GCAS). If you face unexpected difficulties whilst staying abroad, you can call GCAS telephone numbers for assistance in finding the necessary medical or legal aid.



Calculation of the debit amount within EEA region

According to EU Regulation 518/2019, the cardholders have insight into the calculation of the amount to be debited in the card currency in case of the transactions they made at cross-border retailers (including ATMs and cash dispensing machines) from the European Economic Area (EEA) and in foreign currencies from EEA, the authorisation for which is received by the Bank, and can compare it against the exchange rate of the European Central Bank (ECB).The exchange rate value date applicable upon posting will be the transaction date, that is, the date the bank receives the authorisation. Namely, the value date is determined based on the authorisation receipt date, which means that such transactions are recorded on the bank’s system once the authorisation has been received (for other transactions it transpires that they are recorded once the related financial transactions have been received).

Become a holder of a Visa Business card of OTP banka

Read the General Terms and Conditions of Visa Business Card Issuance and Usage, fill in the application for the issuance of a Visa Business card and submit it together with the pertaining documentation to your banker in one of the OTP banka business centres.


Required documentation

For companies:

  • Court’s resolution confirming the customer’s compliance with the Companies Act
  • Articles of association or deed of foundation
  • Signature specimen
  • Notification on classification
  • Information on beneficiary owners
  • Statement on related parties
  • BON 1 and BON 2 reports (not older than 10 days)
  • Financial reports (balance sheet and profit and loss account) for the last two years
  • certified by the Tax Authority
  • the last quarterly financial statement (statistical report) certified by FINA (specifying individual items of the P&L account)
  • Cash flow
  • Proof of settled taxes and contributions, issued by the Tax Authority

For the small business owners:

  • Proof of registering into the register of small businesses
  • Small business licence
  • Signature specimen
  • Information on beneficiary owners
  • Statement on related parties
  • Tax certificates for the last two years, issued by the Tax Authority, and the proof of settled taxes and contributions for the last year, issued by the Tax Authority
  • Copy of the last page of receipts and outlays for the last two years and for the last quarter
  • List of fixed assets as at 31st December of the preceding year
  • BON 2 of other banks (not older than 10 days)
  • Statement on borrowings from other banks
  • Written report on the operations of the small business



Do business and travel safely - insured by Croatia osiguranje d.d.

A special agreement concluded between OTP banka and the insurance company Croatia osiguranje d.d. provides for the following benefits available to the Visa Business cardholders:

Insurance against accidents. All cardholders are insured 24 hours a day.

Insurance against accidents on all journeys paid for by the Visa Business Gold card, as follows:

   insurance coverage for documents permanently lost or stolen in air transport,
   insurance coverage for luggage delayed or lost in air transport,
   insurance for delayed flights.

The right to such coverage from Croatia osiguranje can be exercised by every cardholder who reports such a case to OTP banka.