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 as a third-country/non-EU national, a volunteer, etc.
In this post we cover:
- How the amount of financial means is calculated
- How much money 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 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).
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 salary for 2020 has not yet been published by the Državni zavod za statistiku (Central Bureau of Statistics).
Until they publish this information, financial means are calculated according to the average monthly “neto” salary for 2019 which is 6.457 kuna.
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 for third-country nationals are as follows:
- For a single person (e.g. yourself) = 3.228,50 kuna per month
- For a family of 2 = 4.197,05 kuna per month
- For each additional family member, add 645,70 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 968,55 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 1.614,25 kuna per month. They also must possess return funds in the amount of 60% of the average monthly salary which is 3.874,20 kuna per month.
If you are a close family member of a Croatian citizen and applying for the temporary residence permit for the purpose of family reunification, you don’t need to provide the financial means.
According to the 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.
Financial means of digital nomads must be equal to the amount of 2 1/2 times the average annual salary.
The latest amounts for digital nomads are as follows:
- For a single person (e.g. yourself) = 16.142,50 kuna per month
- For each additional family member, add 645,70 kuna per month
See how to apply for the digital nomad residence permit here.
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.
You can read more about this type of permit here.
If putting money on a bank account
If putting money on 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.
You can read more about opening a Croatian bank account here.
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, even if they are non-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 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 national that is NOT married to an EU or Croatian national.
You give this proof to the police when they ask for it.
If you’re a non-EU national, don’t open a 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.
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.