Opening a bank account in Croatia

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In recent years, Croatia has become one of the areas where foreign investors buy properties not only on the coast. Many investors from Western Europe have realized that Croatia holds interesting business potential. It's true that Croatia is not among the most developed European markets. When comparing Croatia to other Balkan countries, Croatia stands as one of the economically strongest nations. However, its economy is largely dependent on tourism, and that's why foreign investors eagerly buy properties and further develop their businesses in the tourism sector.

Why have a bank account in Croatia?

If you aim to do business successfully in Croatia or are considering purchasing a vacation property for personal use, you cannot avoid opening a bank account in Croatia. Although Croatia adopted the Euro on 1.1.2023, due to the fees for SEPA payments, it's still beneficial to open an account locally. You'll mainly use this account to cover routine expenses related to property maintenance, like waste collection, advance payments for electricity, water, etc.

Banks in Croatia

Opening a bank account in Croatia isn't a significant hurdle, just like in other parts of Europe or the European Union. However, in exceptional cases, a Croatian bank might decline your account opening request. To open a bank account, you need to have your own OIB . Some banks have branches all over Europe, e.g., Raiffeisenbank, UnicreditBank, or Erste, which can assist you in opening an account in Croatia online.

List of selected Croatian banks

Bank	Contact
BANKA KOVANICA d.d.	42 000 Varaždin, P. Preradovića 29 TEL: + 385 42/403-403 FAX: + 385 42/212-148
BANKA SPLITSKO-DALMATINSKA d.d.	21 000 Split, 114. brigade 9 TEL: + 385 21/540-280 FAX: + 385 21/540-290
CROATIA BANKA d.d.	10 000 Zagreb, Kvaternikov trg 9 TEL: + 385 1/2391-111 FAX: + 385 1/2332-470
ERSTE & STEIERMÄRKISCHE BANK d.d.	51000 Rijeka, Jadranski trg 3a TEL: +385 51/208 211 Fax.: + 385 51/330 525
HRVATSKA POŠTANSKA BANKA d.d.	10 000 Zagreb, Jurišićeva 4 TEL: + 385 1/4804-539 FAX: + 385 1/4804-528
HYPO ALPE-ADRIA-BANK d.d.	10 000 Zagreb, Slavonska avenija 6 TEL: + 385 1/603-0063 FAX: + 385 1/603-5100
IMEX BANKA d.d.	21 000 Split, Tolstojeva 6 TEL: + 385 21/406-100 FAX: + 385 21/348-453
ISTARSKA KREDITNA BANKA UMAG d.d.	52 470 Umag, Ernesta Miloša 1 TEL: + 385 52/702-300 FAX: + 385 52/702-388
KARLOVAČKA BANKA d.d.	47 000 Karlovac, I.G. Kovačića 1 TEL: + 385 47/611-540, 614-200 FAX: + 385 47/614-206
OTP BANKA HRVATSKA d.d.	23000 Zadar, Domovinskog rata 3 TEL: +385 23/20 15 00 TeleFAX: +385 23/20 18  59
PODRAVSKA BANKA d.d.	48 300 Koprivnica, Opatička 1a TEL: + 385 48/65 50 FAX: + 385 48/622-542
PRIVREDNA BANKA ZAGREB d.d.	10 000 Zagreb, Račkoga 6 / p.p. 1032 TEL: + 385 1/4723-344 FAX: + 385 1/4723-131
RAIFFEISENBANK AUSTRIA d.d.	10 000 Zagreb, Petrinjska 59 Tel. + 385 1/4566-466 FAX: + 385 1/4566-481
SLATINSKA BANKA d.d.	33 520 Slatina, Vladimira Nazora 2 TEL: + 385 33/551-526 FAX: + 385 33/551-138
ZAGREBAČKA BANKA d.d.	10 000 Zagreb, Paromlinska 2 TEL: + 385 1/6104-000 FAX: + 385 1/6110-555

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