MyNomadWorld MyNomadWorld
Home › Croatia › Banks

Banking in Croatia

Best banks in Croatia for expats & digital nomads

Opening a bank account is one of the first things you do after moving to Croatia. Here are the accounts that work for newcomers and non-residents, plus the fintech we would set up before you fly.

How to open a bank account in Croatia

An OIB (personal identification number) is needed to open a Croatian bank account, along with passport and proof of address/residence; major banks also offer non-resident accounts with passport plus OIB. Croatia uses the euro since 2023. Note: N26 does not operate in Croatia.

Our top pick

Wise multi-currency account

Wise is the option we recommend for almost anyone moving to Croatia: hold and convert 40+ currencies, get local account details to be paid like a local, and send money at the real exchange rate with low, transparent fees. It works before you even arrive, so you can receive income and pay deposits while your local account is still being set up.

Open a free Wise account →

Affiliate link: we may earn a commission at no cost to you. Wise is a fintech, not a bank; balances are safeguarded, not covered by deposit insurance.

Top banks in Croatia

Zagrebacka banka

traditional
largest bank in Croatia

Croatia's biggest bank, part of the UniCredit group.

Privredna banka Zagreb (PBZ)

traditional
wide branch network

Second-largest Croatian bank, part of Intesa Sanpaolo.

Erste Bank Croatia

traditional
everyday retail banking

Croatian arm of Austria's Erste Group with strong retail presence.

OTP banka Croatia

traditional
coastal and regional coverage

Part of Hungary's OTP Group; broad network including coastal regions.

Raiffeisenbank Austria (RBA) Croatia

traditional
international group banking

Croatian subsidiary of Raiffeisen Bank International.

Hrvatska postanska banka (HPB)

traditional
accessible via post offices

Croatian Postal Bank; wide access through the post-office network.

International accounts & neobanks

Revolut

Very popular in Croatia for spending, transfers and FX; EEA-wide operation.

Bunq

Listed by bunq as available to Croatia residents; some earlier reports of restricted signups.

Payoneer

Payments platform for freelancers receiving international payments; not a local current account.

Availability changes; confirm on each provider's site.

Next steps in Croatia

See the full Croatia tax, cost and visa profile, or compare Croatia with other destinations. Not sure where to go yet? Take the finder quiz.