IBAN
Croatia uses a 21-character IBAN for all domestic and international transfers. Since joining the eurozone in January 2023, Croatia adopted EUR as its official currency and is fully integrated into the SEPA payment framework.
At a glance
Country
Croatia
Identifier
IBAN
Format
21 characters
Used for
Domestic transfers
Format breakdown
HR
Country Code
1–2
ISO country code for Croatia
12
Check Digits
3–4
IBAN checksum validation
2340009
Bank Code
5–11
Institution identifier (7 digits)
1101234567
Account Number
12–21
Customer account number
How it works
The Croatian IBAN begins with "HR" followed by 2 check digits and a 17-digit BBAN consisting of a 7-digit bank code and a 10-digit account number. All banks must support SEPA Credit Transfers and SEPA Direct Debits.
Where to find yours
In your online banking app, on your bank card, on bank statements, or by visiting the Croatian National Bank (HNB) website.
Payment systems in Croatia
| System | Speed | Description |
|---|---|---|
| HSVP (NKS) | Real-time | Croatian real-time gross settlement system, now integrated with TARGET2 |
| SEPA Credit Transfer | 1 business day | Standard eurozone credit transfers across all SEPA countries |
| SEPA Instant | Instant (10 seconds) | Instant euro transfers available 24/7 across SEPA |
Major banks in Croatia
Good to know
Croatia adopted the euro on January 1, 2023 — all accounts are now EUR-denominated.
SEPA transfers within the eurozone are treated as domestic payments with no extra fees.
Old HRK (kuna) account numbers were automatically converted to EUR IBANs.
Related tools
Other countries
Frequently asked questions
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