Croatia’s biggest banks: 2024 Comparison of fees and services

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UPDATED: 20.2.2024.

When setting up a life in Croatia, one important step is opening up a bank account. How can you choose a bank when you don’t even know where to start? What are the fees? How does it all work?

In this post, we profile the 7 largest banks in Croatia including:

  • Checking account fees
  • Savings account interest rates
  • Mortgage rates
  • Mobile apps
  • Contact information
  • Branch and ATM locations

With this information, you can confidently make a decision on where to go to open a bank account in Croatia.

Jump to a bank:

Let’s get bankin’…

Comparison of fees and services of Croatian biggest banks

#1 Zagrebačka banka

ZABA is the largest and leading bank in Croatia due to the quality of its services. Zagrebačka banka is owned by the Italian UniCredit group.

Prominent projects supported by ZABA include the Zagreb electric tram, Zagreb airport, Vatroslav Lisinski Concert Hall, Istrian Y highway, Petrova trudionica project, and Pometeno brdo wind power plant.

Available currencies

You can open an account in AUD, BAM, CAD, CHF, DKK, EUR, GBP, JPY, NOK, RSD, SEK, and USD. The account is charged in EUR, regardless of the payment currency and currencies on the account. Read more here.

Checking account fees

Here are the fees for checking account maintenance:

  • Adults – 1,99 euros per month
  • Minors and dependents – 0,20 euros per month

Transaction fees are:

  • Within ZABA in person – 0,13 per transaction
  • Within ZABA online banking – free of charge

Details on fees can be found here.

Savings account interest

Interest rates on savings accounts can be found here.

Mortgage rates

Mortgage loans – ~ 4,50% (variable)

Housing loans – ~ 4,09%

Mobile apps

mZaba (iOS) | mZaba (Android)

Contact Zagrebačka banka

Website | Branches | ATMs

#2 Privredna banka Zagreb (PBZ)

Privredna banka Zagreb – PBZ is the second largest Croatian bank, which is part of Intesa Sanpaolo group.

Over the years, the PBZ has supported programs in tourism, agriculture, industrialization, shipbuilding, electrification, and road construction.

Available currencies

You can open an account in CHF, EUR, and USD. Read more here.

Checking account fees

Monthly maintenance fees:

  • Adults – from 0,71 euros to 1,19 depending on the package
  • Students – free of charge
  • Retired persons – from 0,36 euros to 0,60 depending on the package

Transactions fees:

  • Within PBZ in person – 1% per transaction (from 1,59 euros to 9,95 euros)
  • Within PBZ online banking – 0,17 euros per transaction

Details on fees can be found here.

Savings account interest

Interest rates on saving accounts can be found here.

Mortgage rates

Mortgage loan – ~ 3,80% (variable)

Housing loan – ~  4,48%

Mobile apps

PBZ mobilno bankarstvo (iOS) | PBZ mobilno bankarstvo (Android)

Contact PBZ

Website | Branches & ATMs

#3 Erste & Steiermärkische Bank

Erste banka – ESB is a part of Erste Group, a leading business from the financial sector in Central and Eastern Europe. The aim of Erste’s founders was to help people to manage their finances and fight against poverty.

It was the first bank in Croatia that offered debit cards with chip technology and online applications for loans and accounts.

Available currencies

You can open an account in any currency from their currency list. Read more here.

Checking account fees

Monthly maintenance fees:

  • Adults – 2 euros
  • Youth – free of charge

Transactions fees:

  • Within ESB in person – free of charge
  • Within ESB online banking – free of charge

Details on fees can be found here.

Savings account interest

Interest rates on savings accounts can be found here.

Mortgage rates

Housing loans – ~ 3,65 %

Mobile apps

Erste mBanking (iOS) | Erste mBanking (Android)

Contact Erste banka

Website | Branches & ATMs

#4 OTP banka (formerly Splitska Banka)

OTP banka is the 4th largest bank in Croatia with more than 120 offices. It is under the OTP Group whose headquarters is in Hungary.

The bank supports different humanitarian projects, non-governmental organizations and institutions, encourages the development of sports, arts, and health care, and promotes protection of the environment and human rights.

Available currencies

You can open an account in any currency of your choice. Read more here.

Checking account fees

Monthly maintenance fees:

  • All account holders – 2,52 euros

Transactions fees:

  • Within OTP in person – 0,13 euros
  • Within OTP online banking – free of charge
  • Within OTP mobile banking – free of charge

Details on fees can be found here.

Savings account interest

Interest rates on saving accounts can be found here.

Mortgage rates

Housing loan – ~  4,49%

Mobile apps

A link to the mobile application download (iOS /Android) is delivered via SMS once requested.

Contact OTP banka

Website | Branches & ATMs

#5 Raiffeisenbank

Raiffeisenbank Hrvatska – RBA is the first bank in Croatia that was established by a foreign company. It is a part of the Raiffeisen Bank International AG from Vienna.

Raiffeisen Group is the only bank in Croatia that has a complete offer of pension funds (the 1st and 2nd fund) and a pension insurance company registered in Croatia. If you’re not familiar with pension funds in Croatia, read this post.

Available currencies

Accounts can be opened in all major foreign currencies. Read more here.

Checking account fees

Monthly maintenance fees:

  • Account holders – 1,19 euros
  • Retired persons – 0,66 euros

Transactions fees:

  • Within RBA in person – free of charge
  • Within RBA online banking – free of charge
  • Within RBA mobile banking – free of charge

Details on fees can be found here.

Savings account interest

Interest rates on savings accounts can be found here.

Mortgage rates

Housing loan – ~ 4,50%

Mobile apps

mojaRBA (iOS) | mojaRBA (Android) | mojaRBA (Huawei)

Contact Raiffeisenbank

Website | Branches & ATMs

#6 Hrvatska poštanska banka (HPB)

Hrvatska poštanska banka – HPB is the largest Croatian-owned bank.

Within the project “Banka u pošti” in association with Hrvatska pošta, HPB became the biggest distributive channel of banking services in Croatia with more than 200 offices.

Available currencies

Accounts can be opened in AUD, CAD, CHF, EUR, USD, and other major currencies. Read more here.

Checking account fees

Monthly maintenance fees:

  • All account holders – 2,65 euros

Transactions fees:

  • Within HPB in person – free of charge
  • Within HPB online banking – free of charge

Details on fees can be found here.

Savings account interest

Interest rates on savings accounts can be found here.

Mortgage rates

Housing loan – ~  3,80%

Mobile apps

mHPB (iOS) | mHPB (Android) | mHPB (Huawei)

Contact HPB

Website | Branches & ATMs

#7 Addiko Bank

Addiko Bank is under the Addiko Group, an Austrian mother bank registered in Vienna. Addiko’s focus is on consumer lending and small and middle businesses with a focus on business development. The bank does not offer services for big corporate clients, financing of public institutions, or mortgages.

Available currencies

Accounts in foreign currency are not offered.

Checking account fees

Monthly maintenance fees:

  • All account holders – 2,92 euros

Transactions fees:

  • Within Addiko in person – free of charge
  • Within Addiko online banking – free of charge

Details on fees can be found here.

Savings account interest

Interest rates on citizen’s saving accounts can be found here.

Mortgage rates

Addiko doesn’t offer mortgage and housing loans.

Mobile apps

Addiko Mobile Hrvatska (iOS) | Addiko Mobile Hrvatska (Android)

Contact Addiko

Website | Branches | ATMs

#8 BONUS: Wustenrot

Wustenrot is an Austrian bank. They are considering and granting mortgage loans to Croatian citizens living in Croatia who have foreign income. This means it is a possible option for returning diaspora. Contact them to check out your options.

Website

Informative documents on the actual fees of all banks on the Croatian market are available here under the section “Sve banke”.

View our other financial articles

Please note: Information provided by Expat in Croatia is only for the purposes of guidance. It does not constitute legal or financial advice in any form. Croatian laws and bureaucratic rules often change, and each personal case is individual, so different rules may apply. For legal advice, contact us to consult with a licensed Croatian lawyer. For financial advice, contact us to consult with a licensed Croatian tax advisor or accountant.

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