How to show proof of financial means

This post has been verified with the ministry that handles immigration.
Proof of financial means
Slobodna Bosna

When applying for residency in Croatia, you must show that you have enough money to support yourself. It does not matter whether you are married to a Croatian or are a non-EU national or are a volunteer. It also doesn’t matter if you are applying for temporary or permanent residency.

Everyone must show proof of financial means.

How much money do I need to have?

The minimum amount of money you need to have varies by the number of people in your family. The latest amounts for each situation are as follows:

  • For a single person (e.g. yourself) = 2.400 kuna per month
  • For a married couple = 3.400 kuna per month
  • For a married couple with a dependent (e.g. family of 3) = 4.200 kuna per month
  • For each additional dependent, add 800 kuna per month

How do I prove financial means?

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 Croatian 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.

You can read more about this type of permit here.

If putting money on a Croatian bank account

If putting money on a Croatian 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 28.800 kuna (12 months x 2.400 kuna).

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.

Before you ask, yes, the funds must be on a Croatian bank account. A statement from a foreign bank account will not be accepted. You can read more about opening a Croatian bank account here.

Can I choose how I show my financial means?

While these three options are available, all options aren’t available to everyone in every situation.

  • EU nationals can use any option for both temporary and permanent residency.
  • Spouses of EU or Croatian nationals, even if they are non-EU nationals, can use any option for both temporary and permanent residency.
  • Non-EU 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 Croatian 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 national that is NOT married to an EU or Croatian national.

When do I show my proof?

You give this proof to the police when they ask for it.

If you’re a non-EU national, don’t open a Croatian bank account and deposit funds 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.

What else do I need to know?

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.

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.

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.

If you’d like help with your residence application, please contact us.

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12 thoughts on “How to show proof of financial means

  1. Tina Donovan
    April 22, 2020 @ 2:54 pm

    Just over a year ago I submitted a bank statement from a bank in my home country to show that I had sufficient money and this was accepted. Have the rules changed since then?

    {reply}

    • Expat in Croatia
      April 27, 2020 @ 3:28 pm

      Hi Tina,

      The rules have always been the same. However, it all comes down to who you speak to and what kind of mood they are in.

      Regards,

      Sara

      {reply}

  2. Ronald
    May 6, 2020 @ 7:04 pm

    Hello is it possible when you live be sufficient means, to show only the monthly income or do i have to deposit the whole money per year on the bank account?

    Regards,
    Ronald

    {reply}

    • Expat in Croatia
      May 8, 2020 @ 2:19 pm

      Hi Ronald,

      It all depends on your basis for residency and what the police request from you.

      Regards,

      Sara

      {reply}

  3. Ronald
    May 21, 2020 @ 2:22 pm

    HI Sara

    i have rental incomes monthly do you think this would be enough? About 600 Euro monthly.

    {reply}

    • Expat in Croatia
      May 24, 2020 @ 8:55 am

      Hi Ronald,

      If your family is no more than a spouse and one child, then that will be enough. There is a chart in the post that details the amounts per your family situation.

      Regards,

      Sara

      {reply}

  4. Dawna
    August 19, 2020 @ 6:24 pm

    You mentioned your third temporary permit. Is one only allowed three? Am I correct in understanding it would be three consecutive years? After that one would need to open a business or be employed by an Croatia company?
    I’m retired and 69 years, I would love to live in Croatia, however, I don’t want to relocate after three years.
    Regards,
    Dawna

    {reply}

  5. Ando
    September 16, 2020 @ 6:09 pm

    Hi Sara,
    With the 1 to 2 years temporary residence visa, does one need to pay incomes taxes?
    1 option is to Have overseas investment income.
    Another is to be a digital nomad, paid through an overseas last option is just to use savings.
    Since there is no path to permanent residency (Canadian/Australian retirees), I’m thinking there should be no Croatian income tax…

    {reply}

  6. Dennis
    September 25, 2020 @ 8:50 am

    Hi Sara
    Am retired from the US Government and receive a monthly check. Would this be enough to prove i have enough monthly income or do I still need to open a bank account here and transfer money? Thanks for all the answers.

    {reply}

    • Expat in Croatia
      September 25, 2020 @ 1:55 pm

      Hi Dennis,

      You must show that you have enough to support yourself for at least 1 year in a bank account. You can show a foreign bank statement.

      Regards,

      Sara

      {reply}

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