This is the universal build of m-zaba 3.28.16. It contains native libraries for every CPU architecture (arm64-v8a, armeabi-v7a, x86, x86_64), so it installs on any Android device. The trade-off is size — it's larger than per-architecture variants. Pick this one if you're unsure which CPU your phone has, or if you plan to share the APK with multiple devices.
File size: 129.5 MB • Min Android: 24 • Target Android: 35 • Version code: 32816 • Framework: Native (Java/Kotlin) • Permissions: 19
File Information
| Package Name | hr.asseco.android.zaba.new |
|---|---|
| Version Name | 3.28.16 |
| Version Code | 32816 |
| Architecture | Universal |
| Min Android Version | Android 24 (API 35) |
| Main Activity | hr.asseco.android.zaba.ae.prelogin.PreloginActivityNew |
| Framework | Native (Java/Kotlin) |
| File Size | 129.46 MB |
| Signature (SHA1) | 1677534C4C473F8EA10ABDF7462C9559B087A3F0 |
| File Hash (SHA256) | a8c14f893c15f955a66b28e83207c88330cf8175a0f1ea0853d89bec8aeb4255 |
What's New
• a new functionality "m-student" intended for students of the University of Zagreb, which will facilitate payments in the canteen, provide an overview of benefits for students and other.
• new functionality for arranging standing orders for payments from your accounts to other accounts, investing, savings and direct debit for the repayment of obligations under the loan or go! credit card.
• new functionality for arranging standing orders for payments from your accounts to other accounts, investing, savings and direct debit for the repayment of obligations under the loan or go! credit card.
App Description
Regardless of where you are, m-zaba gives you complete control over your finances.
With m-zaba you can:
• pay bills via m-foto pay
• make payments to the accounts in Croatia and abroad
• easily transfer money with the IziPay service. Recipient’s phone number is all you need.
• check the balances and transfers of accounts, savings, and loans
• obtain an informative calculation of cash and housing loan
• arrange a cash loan, credit card, contracted overdraft
• contract or change a package of products and services
• subsequently divide one-time transactions made with an Individual Mastercard credit card or transactions on the current account in euros into instalments
• find all card information, check PIN’s, manage daily limits and block the card in the event of loss or theft
• receive notifications about received payments
• trade shares in ZB Invest funds and create your investment plan and contract up to five standing orders into investment funds
• trade on world stock exchanges with the ZB Trader Global service.
• pay for parking and take queue number ticket for the queue in the branch office.
Arrange m-zaba in a branch.
SAFETY
Zagrebačka Banka pays special attention to the security of operations performed by mobile banking clients.
• PIN used to access the services is only known by the user and therefore there is no threat of abuse if a mobile device is stolen or lost.
• PIN and account information are not stored in the mobile device, and the entry of PIN is protected by a variable keypad.
• The services that are accessed by entering PIN are automatically blocked if an incorrect PIN is repeatedly entered.
• After a 3-minute period of inactivity, m-zaba automatically logs out the user.
With m-zaba you can:
• pay bills via m-foto pay
• make payments to the accounts in Croatia and abroad
• easily transfer money with the IziPay service. Recipient’s phone number is all you need.
• check the balances and transfers of accounts, savings, and loans
• obtain an informative calculation of cash and housing loan
• arrange a cash loan, credit card, contracted overdraft
• contract or change a package of products and services
• subsequently divide one-time transactions made with an Individual Mastercard credit card or transactions on the current account in euros into instalments
• find all card information, check PIN’s, manage daily limits and block the card in the event of loss or theft
• receive notifications about received payments
• trade shares in ZB Invest funds and create your investment plan and contract up to five standing orders into investment funds
• trade on world stock exchanges with the ZB Trader Global service.
• pay for parking and take queue number ticket for the queue in the branch office.
Arrange m-zaba in a branch.
SAFETY
Zagrebačka Banka pays special attention to the security of operations performed by mobile banking clients.
• PIN used to access the services is only known by the user and therefore there is no threat of abuse if a mobile device is stolen or lost.
• PIN and account information are not stored in the mobile device, and the entry of PIN is protected by a variable keypad.
• The services that are accessed by entering PIN are automatically blocked if an incorrect PIN is repeatedly entered.
• After a 3-minute period of inactivity, m-zaba automatically logs out the user.
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APK Permissions 19
- android.permission.ACCESS_COARSE_LOCATION
- android.permission.ACCESS_FINE_LOCATION
- android.permission.ACCESS_NETWORK_STATE
- android.permission.ACCESS_WIFI_STATE
- android.permission.CAMERA
- android.permission.FLASHLIGHT
- android.permission.FOREGROUND_SERVICE
- android.permission.INTERNET
- android.permission.POST_NOTIFICATIONS
- android.permission.READ_CONTACTS
- android.permission.READ_PHONE_STATE
- android.permission.RECEIVE_BOOT_COMPLETED
- android.permission.USE_BIOMETRIC
- android.permission.USE_FINGERPRINT
- android.permission.VIBRATE
- android.permission.WAKE_LOCK
- com.google.android.c2dm.permission.RECEIVE
- com.google.android.finsky.permission.BIND_GET_INSTALL_REFERRER_SERVICE
- hr.asseco.android.zaba.new.DYNAMIC_RECEIVER_NOT_EXPORTED_PERMISSION
APK Verified
The cryptographic signature guarantees that the file is safe to install and was not tampered with in any way.
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Frequently Asked Questions about m-zaba APK
This is the universal variant — a single APK that contains native libraries for every CPU architecture. It installs on any Android device but is larger than per-architecture variants.
Yes — the APK's signature has been cryptographically verified against the publisher's signing key. The SHA-256 hash is shown in the File Information panel so you can independently confirm the file matches the original release.
Android 24 (API level 35) or newer. Older devices will refuse the install.
Install a free app like 'CPU-Z' or 'Droid Hardware Info' from the Play Store and look at the ABI / Instruction Set row. Most phones made after 2017 are arm64-v8a; if in doubt, download the universal variant.
All variants are functionally identical — same features, same version. They differ only in which CPU architectures the native code is compiled for, and (sometimes) which screen densities the included graphics target. Pick the one that matches your device for the smallest install size, or pick 'Universal' if you're unsure.