How to pay bills in Croatia

Pay uplatnica in Croatia
Photo by Jorge Láscar

LAST UPDATED: 28/6/2021

Live in Croatia long enough and you’ll have to start paying bills or invoices, called “račun” in Croatian. It may seem simple, but if you’re coming from abroad, it’s probably different than what you’re used to.

I was confused when I first started paying bills, as the process was very different than in the United States. If you have also been confused by the process, this post will help clear up the mysteries of paying bills in Croatia.

There are a few ways you may receive bills/invoices and there are a few different ways to pay. We’ll go over all of them.

In this post, we’ve cover:

The facts are these…

Types of bills and invoices (račun)

There are many types of invoices, so let’s get a bit granular and start with the basics.

#1 Store receipts

If you purchase something in a shop, supermarket, café, restaurant, or bakery, you’ll get a račun as it is required by law. It functions more as a receipt of payment, but it is still considered a račun.

#2 Utility bills

These types of invoices include electricity, water, garbage, and city taxes for the apartment or house where you live. Maybe the bills come to you, maybe they come to your landlord. In my situation, all of these bills are mailed to me, but the accounts are in my landlord’s name. [Read: How to find an apartment to rent in Croatia]

All printed utility bills come with a payment slip, called an “uplatnica”, that is usually outlined in red. You’ll see examples further down in the post.

There are two types of utility bills that you’ll encounter.

Non-fixed utility bills

Your water bill is an example of a non-fixed utility bill. You receive an invoice each month and the amount varies depending on your usage. For the water bill, it is not uncommon for you to report your water meter reading to your landlord or building manager on a monthly basis for the calculation of what you owe.

The garbage bill you receive from Čistoća is also an example of a non-fixed. This bill is calculated based on the number of people in the household, so the amount is usually the same. The reason I am putting it in the “non-fixed” category is because it comes every month, or frankly whenever Čistoća feels like sending you one.

Your phone, internet, and television invoices are also examples of bills that are invoiced on a monthly basis. Each invoice will come with an uplatnica used for payment. We’ll get into that in a bit.

Fixed utility bills

There are certain invoices that will be sent to you in batches e.g. you’ll receive 6 months’ worth of uplatnica at once. This does not mean you must pay all 6 months at once. I mean, you can if you really really want to, but it’s not expected.

For example, HEP Elektra, d.o.o. (the state-run electricity company) uses averaged billing. Every 6 months, they look at your usage for the previous 6 months and create an average cost that you must pay every month based on that usage. For 6 months, you pay a flat rate for every month based on that average cost.

At the end of that 6 months, they recalculate your usage again. If you prepaid more than what you used, then they will credit your next bill accordingly and your monthly payments for the next 6 months will go down. If you prepaid less than what you used, your next bill will include the difference you owe and your monthly payments will go up.

HEP will send you 6 uplatnice at a time for the same amount, each with a different due date on them. It is your responsibility to pay each one at the appropriate time.

Depending on your jurisdiction, you may also be required to pay a tax to your city. For Split, there is a tax of about 58 kuna that must be paid every month to Grad Split. It’s a flat rate every month, but they send the uplatnice 6 months at a time just like HEP.

Here is an example of a packet of fixed-rate electricity uplatnice from HEP with personal redactions:

HEP invoice

#3 Straight up invoices

Usually, you’ll receive one of these when you are purchasing a service or product from a business that you can’t physically visit or a government institution that doesn’t accept payments on site.

Here is an example: Recently, I had some blood tests done at the hospital. Because I didn’t have “dopunsko”, the supplementary health insurance, I owed 50 kuna for these tests. [Read: What is “dopunsko” and why you should have this health insurance] About a week after the test, I received an invoice in the mail from the hospital. It did not include an uplatnica. We’ll address what to do in this situation further down.

Here is another example: A few years ago, I bought a special edition National Geographic coffee table book of Croatia for my mother as a gift. They sent me an invoice by email, which I paid at the post office, which we’ll address further down.

#4 Just an account number

If you need to send money “on bank account” (“na račun”) to someone, sometimes they’ll just give you their IBAN which starts with an “HR”.

Technically, this is not an invoice, but it does fall into the arena of requesting a payment so I’m putting it on this list.

Here is an example: I ordered olive oil from my favorite producer in Istria. They emailed me the IBAN number and amount to pay, with no invoice. We will not address the illegality of this right now. [Read: Olive picking in Klis]

Here is another example: There is a cool printmaker in Split that I follow on Instagram. She created neat notebooks with an awesome octopus print on them that were for sale. She sent me her IBAN for me to pay.

Here is yet another example: My friend and I split the cost of a gift for a friend getting married. She made the purchase, so I sent her money on account for my half. [Read: How to attend a Croatian wedding]

How to Pay bills, invoices & račun

There are several ways to pay a business or a person. Let’s go through each one.

#1 Hrvatska pošta (Post office)

If you do not have a Croatian bank account, then Hrvatska pošta – HP (Croatian postal office) is an easy way to pay bills. [Read: Hrvatska pošta – Croatian postal office]

Take your uplatnice to the closest location and you can pay by cash or card. They will charge you 1.83% of the payment amount in kuna per bill. The lowest fee is 5 kuna and the highest is 80 kuna. However, bills issued by HP partners can be paid free of charge. A list of HP partners is available here.

If going to the post office, I recommend going around 14:30. I have found this to be the sweet spot when the lines are the shortest, likely because everyone is at home finishing their lunch.

#2 In person

You can go in person to each utility or company to pay most bills, but don’t. It is simply not worth saving the bill payment fee considering how long you’ll be in line. Better to stand in one line at Hrvatska pošta than in 6 different lines at each utility.

#3 Through a bank account

Paying through a Croatian bank account is the easiest and cheapest way to pay invoices. [Read: Do I need to open a bank account in Croatia] If you do not pay for bill payment as a service on your bank account, the fee to pay a bill is around 2 kuna depending on the bank. If you have bill payment on your account (which you have to pay for monthly), then there is no fee to pay a bill.

There are also multiple avenues for paying a bill through a bank account. You can pay in person at your bank, through a mobile app, or by logging into your account through a web browser. For the latter, you’ll need a little calculator-looking gadget that your bank will give you.

I use PBZ’s mobile app, which has a barcode scanner. I open the app, scan the barcode on the uplatnica and all the payment information is pre-loaded for me. Their app has an English version too. If you have used a different bank’s mobile app to pay bills, share your experience in the comments.

[Read: Croatia’s biggest banks: Comparison of fees and services]

#4 Trajni Nalog

Some utilities will allow you to set up a direct debit from your bank account to occur automatically each month. To set this up, you’ll need to visit the utility directly to check if they offer “trajni nalog” and set it up.

#5 Tisak

Another way to pay bills is at Tisak [Read: What is a Tisak]. Tisak has more than 850 selling spots in Croatia where you can pay bills by using a 2D bar code. At more than 300 selling spots, bills can be paid whether they have a 2D bar code or not.

When you come to the Tisak selling spot, give the bills that you want to pay to the seller. They will scan your accounts just like any other products. You can pay them with cash and Maestro or MasterCard.

See all Tisak selling spots in Croatia here.

#6 Supermarkets

Bills can also be paid in many supermarkets in Croatia including:

  • Konzum – See more details here
  • Studenac – See more details here

Give the bills that you want to pay to the seller and they will scan them. You can pay bills in cash and Maestro or MasterCard.

#7 Gas stations

It is possible to pay the bills at gas stations in Croatia including:

  • Crodux – See more details here
  • INA – See more details here
  • Petrol – See more details here

Give the bills that you want to pay to the seller. They will scan the bills and you will pay them.

#8 FINA

Many Croatians still have a habit to pay bills at FINA. They will charge you 4.80 kuna per bill for amounts of up to 384 kuna. For amounts higher than 384 kuna, they will charge 1.25% of the payment amount in kuna per bill. The highest fee that you can pay is 75 kuna.

See all FINA branches in Croatia here.

#9 iNovine

iNovine has more than 200 selling spots in Croatia. You can also pay bills at their selling spots like everywhere else. Give the bills to the seller and pay after the seller scans the bills.

What you need to pay a bill

We’re nearing the promised land of adulting in Croatia.

Pre-printed Uplatnice

  • If you have a pre-printed uplatnica, then you are set. The Hrvatska pošta can scan the barcode and immediately bring up the bill information to apply for your payment.
  • If you are paying on a mobile app, you can scan the barcode using your phone to bring up the bill information. Then you just confirm the payment.

If you don’t have a pre-printed uplatnica and are paying online

Then all you need is the IBAN and amount to pay. Make sure you put it in the right place, or the payment will not go through. Look for the fields marked “Model & Poziv na broj primatelja”. Put “HR” plus the next two numbers in the “Model” field. Then put the rest of the number in the “Poziv” field next to it.

The bank will do the rest for you.

If you don’t have a pre-printed uplatnica and are paying in person

If you have an invoice with an IBAN without an uplatnica or just an IBAN, you’ll need to fill out a blank uplatnica before you can make the payment. Usually, you can get these at any place where you can make payments, but you can also buy them at a tiskanica, papirnica and probably Tisak. It will look like this:

Croatian bill payment slip called "uplatnica"

If you’re paying your health insurance HZZO premium out-of-pocket (e.g. you are not employed by a Croatian company), they usually send 2 blank uplatnice every month along with your monthly bill. I stockpile these for when I need them. [Read: Croatia’s state health care obvezno insurance]

You’ll need to fill out the following fields on the uplatnica:

  • Platitelj – Put your name and address here.
  • Primatelj – Put the person or company along with their address you are paying here. If it is a business, you’ll be asked to provide their OIB as well, which goes in this space.
  • Valuta plaćanja – This is for the currency. Put “HRK”.
  • Iznos – The total amount you are paying. It should be formatted like this: 1.000,00
  • Model & Poziv na broj primatelja – This is for the IBAN that starts with “HR” that you were provided by the person or business. It connects to their bank account. Put “HR” plus the next two numbers in the “Model” field. Then put the rest of the number in the “Poziv” field next to it.
  • Opis plaćanja – This is the reason for payment. If paying an invoice, put the invoice number here.
  • Duplicate all of this information in the secondary fields on the right side of the slip. This will be detached as your receipt of payment.

Hooray! Now you can pay invoices in Croatia.

Encountered any problems paying invoices? Let me know in the comments.

Please note: All information provided by Expat in Croatia is only for the purposes of guidance. It does not constitute legal or financial advice in any form. For legal advice, you must consult with a licensed Croatian lawyer. For financial advice, you must consult with a licensed Croatian tax advisor or accountant. We can recommend one if you contact us.

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