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Croatia swapped the kuna for the euro on 1 January 2023, so a d.o.o. banks in euro under an IBAN beginning HR and pays across SEPA without currency conversion. Since January 2023, the Croatian National Bank says, supervision has run inside the Single Supervisory Mechanism, with the ECB overseeing the significant banks and the HNB the less significant ones.
Non-residents may own and run a d.o.o., and neither its members nor its management board need Croatian or EU residence. Every board member does need an OIB, Croatia’s personal identification number, and the company has one of its own. Addiko Bank starts a business account application with the company’s OIB and fetches the remaining company data from official registers, so a missing number stops the process early.
The state START system lets founders register a d.o.o. or j.d.o.o. and request a transaction account in a single electronic application, which also handles the beneficial owners register entry, tax registration and electronic payment of the share capital. Zagrebačka banka takes account requests through START and replies within three working days to the user mailbox in e-Građani. The contract then waits at a branch for signature, and the account is activated after that visit.
Addiko Bank opens a business account online in about ten minutes, with video identification and a digital certificate for signing, on three conditions: the business is registered in Croatia, the applicant is the only person entitled to sign alone, and the applicant holds a valid identity card issued in Croatia. Anyone else, including companies with joint representatives, is sent to a branch, and OTP banka’s three steps end with collecting the Visa card and the internet banking device. On these published routes a director without a Croatian identity card meets the bank in person at least once, which is bank practice rather than company law.
| Provider | Type | What it publishes | How the account is opened |
|---|---|---|---|
| Addiko Bank d.d. | Croatian bank | Online only for a sole signatory holding a Croatian identity card | Online or at a branch |
| Zagrebačka banka | Croatian bank (UniCredit Group) | Accepts requests filed through START with the d.o.o. registration | Request through START, signature at a branch |
| OTP banka d.d. | Croatian bank | Bank forms and identification documents, then card and internet banking device collected | With the bank |
| Wise Business (Wise Europe SA) | Payment institution, Belgium | Customers based in Croatia can hold money; bearer shares refused | Online |
| Revolut Business (Revolut Bank UAB) | Bank in Lithuania, ECB licence | Proof of the company’s EEA presence; applicant resident in an EEA state, Switzerland or the UK | Online |
| Airwallex | Non-bank payment firm | Croatia appears on its list of registration countries, served from Lithuania | Online |
The Croatian Deposit Insurance Agency, HAOD, insures €100,000 per depositor in each credit institution and must begin paying out, in euro, within seven working days of the HNB declaring deposits unavailable. Legal entities are insured alongside individuals and non-profits. Its exclusions cover credit and financial institutions, insurers, pension funds, investment companies, public administrative bodies and firms in the failed bank’s own group.
Croatia is not among the countries listed on our pre-banked shelf company page, so a ready-made d.o.o. with a live account is something to check bank by bank. The account is the d.o.o.’s own, so transferring the business shares leaves it in place; the bank then looks again at the new members, board and signatories and may continue, ask for further papers or close it. A new board member needs an OIB like any other.
We register companies through company formation in Croatia, supply ready-made Croatian d.o.o. companies and prepare the bank file with you. If a bank we already work with suits your profile, we can arrange an introduction, while the decision to open the account stays with that bank. Country background sits on our Croatia overview.
It works through a d.o.o. registered in Croatia, which non-residents may own and manage. Every management board member needs an OIB, and the published online routes expect a Croatian identity card, so a director from abroad should plan to sign at a branch, as Addiko and Zagrebačka banka describe. Revolut, Wise and Airwallex accept Croatian companies online on their own terms.
Yes. Each member of the management board needs a personal OIB, and the company has its own. Addiko’s business application cannot begin without the company’s number, which the bank uses to pull the company’s data from official registers. Arrange the board members’ numbers well before any bank appointment.
Only in some cases. Addiko’s online business account works when the company is registered in Croatia, one person signs alone and that person holds a Croatian identity card. Zagrebačka banka takes the request electronically through START but has the contract signed at a branch. Revolut onboards Croatian companies online when whoever applies is resident in an EEA state, Switzerland or the UK.
HAOD, the Croatian Deposit Insurance Agency, insures €100,000 per depositor in each credit institution, pays in euro and must start payouts within seven working days. Companies are insured as well as individuals; financial institutions, insurers, pension funds, investment companies and public bodies are not. Money left with a payment provider is not a bank deposit at all.