Croatia IBAN
A Croatia IBAN is 21 characters long and Croatia is in SEPA.
HR and two check digits open every Croatia IBAN; its remaining 17 form the BBAN (Basic Bank Account Number).
Example Croatia IBAN
Electronic format
HR1210010051863000160
Print format
HR12 1001 0051 8630 0016 0
IBAN structure for Croatia
Major banks in Croatia
3 banks in Croatia that support IBAN-based international transfers:
Format reference: SWIFT IBAN Registry.
Croatia IBAN 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, Croatian bank accounts are held in euros, so the SEPA payments Croatia already took part in as an EU member since 2013 became its everyday domestic transfers.
Is Croatia part of SEPA?
Yes — Croatia has been inside SEPA since it joined the EU in 2013; adopting the euro in January 2023 made SEPA its domestic system too. Euro transfers from other EU and EEA countries arrive as SEPA Credit Transfers, or within seconds as SEPA Instant where both banks offer it. 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.
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