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Akif Hazarvi

Croatia IBAN

HR·EUR·SEPA

The International Bank Account Number (IBAN) for Croatia is 21 characters long and is used to identify bank accounts for international transactions, within the SEPA network for euro transfers and via SWIFT for non-euro currencies.

A Croatia IBAN begins with the country code HR and two check digits, followed by the 17-character BBAN (Basic Bank Account Number). The Croatia BBAN encodes a 7-character bank code, followed by a 10-character account number. As a SEPA member, Croatia supports low-cost euro transfers across 36+ European countries using the EUR currency. Always include the full 21-character IBAN together with the bank's BIC/SWIFT code when making or receiving international payments.

IBAN Length

21 chars

Currency

EUR

SEPA

Yes

Banks

3+

Example IBAN

Electronic format

HR1210010051863000160

Print format

HR12 1001 0051 8630 0016 0

IBAN structure for Croatia

A Croatia IBAN is 21 characters long and consists of the following components:

Country code

HR

Check digits

12

Bank code

7 chars

Account number

10 chars

Total length21 characters

BBAN format details

The Basic Bank Account Number (BBAN) is the domestic part of the IBAN, following the country code and check digits. Here is the BBAN validation format for Croatia:

Bank code7 characters

^[0-9]{7}

Account number10 characters

^[0-9]{10}

Major banks in Croatia

3 banks in Croatia that support IBAN-based international transfers:

E

Erste And Steiermaerkische Bank D.D.

Z

Zagrebacka Banka Dd

P

Privredna Banka Zagreb D.D.

Understanding IBAN in Croatia

What is the IBAN format in Croatia

An IBAN (International Bank Account Number) is an internationally-agreed code made up of up to 34 letters and numbers that helps banks make sure that international transfers are processed correctly. Each set of characters represents a different detail for your bank account. You can see the breakdown of this IBAN below.

What is the IBAN code in Croatia

IBAN in Croatia consists of 21 characters: 2 letter country code 2 digit check number 7 characters from the bank's bank code 10 digit code for the bank account number

Do you need an IBAN in Croatia

Yes. If you’re making – or expecting to receive – an international money transfer to a bank account in Croatia, then just a standard bank account number isn’t enough. If you want your money to arrive quickly and safely, you’ll usually need to give the bank a few extra details, such as an IBAN or SWIFT code. Banks assign IBANs to each of their accounts to make sure that international transfers are processed correctly. IBANs contain all of the country, bank, and account details you need to send or receive money internationally. This system is used throughout Europe, and also recognised in some areas of the Middle East, North Africa and the Caribbean.

Frequently asked questions

What is the IBAN format for Croatia?

A Croatian IBAN is exactly 21 characters long. It starts with HR, 2 check digits, a 7-digit bank and branch code, and a 10-digit account number. Example: HR12 1001 0051 8630 0016 0.

When did Croatia join the eurozone?

Croatia joined the eurozone on 1 January 2023, replacing the Croatian kuna (HRK) with the euro (EUR) at the fixed conversion rate of 7.53450 HRK per EUR. Since then, all Croatian bank accounts are denominated in EUR and Croatia became a full SEPA member.

Is Croatia part of SEPA?

Yes. Croatia has been a SEPA member since joining the eurozone in January 2023. Euro transfers from other EU and EEA countries are now processed via SEPA Instant Credit Transfer (SCT Inst), settling within seconds. This means receiving EUR from elsewhere in the EU is fast and low-cost.

What are the SWIFT codes for Zagrebacka banka and PBZ?

Zagrebacka banka (ZABA, owned by UniCredit) has the SWIFT code ZABAHR2X. Privredna banka Zagreb (PBZ, owned by Intesa Sanpaolo) uses PBZGHR2X. Erste Bank Croatia's SWIFT code is ESBCHR22. These are needed for inbound transfers from outside the SEPA area.

Did Croatian IBAN numbers change when the country adopted the euro?

No. The structure and format of Croatian IBANs (HR, 21 characters) did not change when Croatia adopted the euro. Only the currency denomination of the accounts changed from HRK to EUR. Existing account numbers were simply redenominated; you do not need a new IBAN.

How do I find my IBAN at a Croatian bank?

Your HR IBAN appears in your bank's mobile app or internet banking under account details. Zagrebacka banka's m-zaba app, PBZ's PBZ365 portal, and Erste's George Croatia all display the 21-character IBAN. It is also printed on bank statements.

Do I need a BIC code to receive EUR from the EU to Croatia?

Within SEPA, only the HR IBAN is needed for euro transfers — no BIC is required. For transfers from outside SEPA (for example, from the US or non-EU countries), the sender should include both the IBAN and your bank's SWIFT/BIC code.

How IBAN is used in Croatia

Croatia adopted the euro and joined the eurozone in January 2023, replacing the kuna with EUR and automatically making it a full SEPA member. Croatian banks now operate primarily in EUR, and the 21-character IBAN is the standard for all domestic and international euro transfers. The Croatian National Bank (HNB) oversees payment infrastructure, and the NKS clearing system was fully migrated to SEPA standards upon eurozone entry.

A Croatian IBAN is 21 characters long: the country code HR, two check digits, a seven-digit bank code (which includes the three-digit bank identifier and four-digit branch code), and a ten-digit account number. Major banks include Zagrebacka banka (ZABA, part of UniCredit), Privredna banka Zagreb (PBZ, part of Intesa Sanpaolo), and Erste Bank Croatia.
Since Croatia joined the eurozone in 2023, all domestic EUR transfers are processed through the SEPA Instant Credit Transfer (SCT Inst) scheme, settling in seconds. This replaced the older HSVP RTGS system for most retail payments. When sending money to Croatia from the EU, your HR IBAN is all the recipient needs to share.
Croatian residents who previously held kuna accounts had their account numbers redenominated to EUR at the fixed conversion rate of 7.53450 HRK per EUR. The account IBAN itself did not change in format — only the currency label on the account. If you are making a payment to Croatia, specify EUR and use the recipient's 21-character HR IBAN.