LAST UPDATED: 21/10/2021
When applying for residency in Croatia, you must show that you have enough money to support yourself. This is required in most cases when applying for temporary or permanent residency, regardless of your nationality.
In this post, we cover:
- How the amount of financial means is calculated
- How much money do you need to have
- How to prove financial means
- Can you choose how to show financial means
- When to show the proof of financial means
- Other tips
The facts are these…
The amount of financial means for temporary and permanent stay in Croatia is defined by “ Uredba o načinu izračuna i visini sredstava za uzdržavanje državljanina treće zemlje u Republici Hrvatskoj” (Regulation on the method of calculation and amount of means of subsistence for third-country nationals in the Republic of Croatia).
A new version of this regulation was published in February 2021. It is available here.
The exact amount of financial means is calculated according to the amount of the average monthly “neto” salary in Croatia in the previous year. The average monthly “neto” salary for 2020 published by the Državni zavod za statistiku (Central Bureau of Statistics) is 6.763,00 kn.
Based on this amount, different calculations are made to reach the amount the government believes you need to support yourself on a monthly basis.
How it is calculated:
- For a single person (e.g. yourself) = 50% of the average monthly “neto” salary in the previous year
- For a family of 2 = Amount for a single person + additional 15% of the average monthly “neto” salary in the previous year
- For each additional family member = Amount increases by an additional 10% of the average monthly “neto” salary in the previous year
[Read: Minimum wage salaries in Croatia]
The minimum amount of money you need to have varies depending on your case and the number of people in your family.
The latest amounts are as follows:
- For a single person (e.g. yourself) = 3.381,50 kuna per month
- For a family of 2 = 4.395,95 kuna per month
- For each additional family member, add 676,30 kuna per month
However, there are some exceptions.
Secondary education students who apply for temporary residence must possess monthly financial means in the amount of 15% of the average monthly salary which is 1.014,45 kuna per month.
Students who apply for temporary residence must possess monthly financial means in the amount of 25% of the average monthly salary which is 1.690,75 kuna per month. They also must possess return funds in the amount of 60% of the average monthly salary which is 4.057,80 kuna per month.
Financial means of digital nomads must be equal to the amount of AT LEAST 2 1/2 average monthly “neto” salary paid for the previous year (based on 2020’s average salary of 6.763 kuna). For each additional family member or life partner or informal life partner, this amount is increased by 10% of the average monthly “neto” salary.
The latest amounts for digital nomads are as follows:
- For a single person (e.g. yourself) = 16.907,50 kuna per month
- For each additional family member, add 676,30 kuna per month
Family members of Croatian citizens
If you are a close family member of a Croatian citizen and applying for a temporary residence permit for the purpose of family reunification, you don’t need to provide the financial means.
According to Article 64 of the Law on foreigners, close family members are:
(1) Član uže obitelji u smislu ovoga Zakona je:
1. bračni drug
2. izvanbračni drug
3. maloljetno zajedničko dijete bračnih i izvanbračnih drugova, životnih partnera ili neformalnih životnih partnera te maloljetno dijete svakog od njih, njihovo maloljetno zajednički posvojeno dijete odnosno maloljetno posvojeno dijete svakog od njih koje nije u braku, kao i maloljetno dijete životnog ili neformalnog životnog partnera ili njegovo maloljetno posvojeno dijete koje nije u braku
4. roditelj ili posvojitelj maloljetnog djeteta hrvatskog državljanina, državljanina treće zemlje kojem je odobreno dugotrajno boravište ili stalni boravak, azil ili supsidijarna zaštita.
Which translates to…
(1) A close family member in terms of this Act is:
2. extramarital partner
3. minor joint child of spouses and extramarital partners, life partners or informal life partners and a minor child of each of them, their minor jointly adopted child or a minor adopted child of each of them who is not married, as well as a minor child of a living or informal life partner or his underage adopted child who is not married
4. parent or adoptive parent of a minor child of a Croatian citizen, a third-country national who has been granted long-term residence or permanent residence, asylum or subsidiary protection.
And this is from an official decision we received from MUP on the matter:
Ujedno napominjemo da je člankom 65. Zakona o strancima popisano da član uže obitelji hrvatskog državljanina iz članka 64. stavka 1. ovoga Zakona za odobrenje privremenog boravka u svrhu spajanja obitelji ne mora dokazivati osigurana sredstva za uzdržavanje.”
Which translates to…
At the same time, we note that Article 65 of the Aliens Act stipulates that a close family member of a Croatian citizen referred to in Article 64, paragraph 1 of this Act does not have to prove secured means of subsistence in order to be granted temporary residence for family reunification.
There are three ways to prove your financial means:
- Show 3 months of completed salary payments from a Croatian company
- Show a work contract with a Croatian employer
- Put money on a bank account
If using a work contract
This option is for those who are applying for a temporary residence permit based on a work contract. In this contract, your monthly “neto” salary will be defined. Neto salary is the amount of money that will hit your personal bank account every month. This neto salary must be higher than the thresholds stated above.
[Read: How to apply for a work permit]
If putting money on a bank account
If putting money in a bank account, you’ll need to deposit enough money to cover the minimum amount for one year. For example, if you are a single individual, then you would need to deposit 38.742 kuna (12 months x 3.228,50 kuna).
For a very long time, the police would only accept a bank statement from a Croatian bank. They are now accepting foreign bank statements, as a matter of practice and discretion. I mentioned the latter because it’s important to be prepared if they do ask you to open a Croatian bank account. If showing a foreign bank account, they may insist on seeing the currency noted on the statement.
You’ll only need to keep the money in a Croatian bank temporarily during your residency application process. Tell the bank that you are applying for residency and that you need to show the balance to the police. They will generate a letter you can take and submit as part of your application.
While these three options are available, all options aren’t available to everyone in every situation.
- EU/EEA nationals can use any option for both temporary residency and permanent residency.
- Spouses of EU, even if they are non-EU/EU nationals, can use any option for both temporary and permanent residency.
- Close family members of a Croatian citizen can use any option for permanent residency.
- Non-EU/EEA nationals
- If applying for temporary residence based on work, you can only show a work contract.
- If applying for temporary residence on any basis unrelated to work, you can only show funds on a bank account.
- If applying for permanent residence, you must be employed by a Croatian company and be able to show 3 completed salary payments. This refers to any Non-EU/EEA national that is NOT married to an EU/EEA or Croatian national.
You give this proof to the police when they ask for it.
If you’re a non-EU/EEA national, wait until the police tell you to do so. They do not ask for this until it’s clear you have a valid basis for the application, which is usually a few steps into the process. Also, they will tell you the exact amount you need to have. [Read: Available visas and residence permits for Croatia]
A point I drive home across this web site is that everybody’s situation is different. While these are the defined thresholds confirmed with MUP, it doesn’t mean that the caseworker processing your application will abide by these amounts. [Read: The most important lesson you need to learn about living in Croatia]
I’ll share a story from my own personal experience. I am a non-EU national. When I first came to Croatia, my spouse was an EU national and he had a salary through a Croatian company that met the salary requirements.
On my third temporary permit application and my first as a single lady, they requested two deposits. The first, early in the application process, needed to be only 2.000 kuna. Then later, the second deposit needed to be 5.000 kuna. I can only surmise that I had “built up credit” with them.
When it was time for my permanent residency application, they no longer would allow me to show funds on an account. I had to have a salary from a Croatian company so I opened a business. However, even though the threshold was 2.400 kuna a month, they claimed that it wasn’t enough to live on and my salary needed to be higher. Well of course it’s not enough to live on, but that isn’t really the point. [Read: Types of business in Croatia]
They told me that I must pay myself a salary of at least 4.000 kuna as a single person. Not long after, the government implemented minimum wage for company directors, which required me to increase the salary even higher. [Read: Minimum wage salaries in Croatia]
If you’d like help with your residence application, please contact us.
Did you ever need proof of financial means in Croatia?
View other documentation articles
- Apostille versus full legalization of government documents
- Background checks and fingerprints for third-country nationals (non-EU/EEA citizens)
- How to apply for a Croatian passport
- How to get a copy of a birth certificate
- How to get proof of citizenship (domovnica)
- How to get something notarized
- How to prepare your foreign documents for use in Croatia
- Which documents you should bring with you to Croatia (if you plan to live here)
Please note: All information provided by Expat in Croatia is only for the purposes of guidance. It does not constitute legal advice in any form. For legal advice, you must consult with a licensed Croatian lawyer. We can recommend one if you contact us.