CroatiaEUREuro

Money Transfer to Croatia

  • We lock the rate before payment
  • More than 100 transfers every day
  • Support at every stage of the transfer
0.8384 EURper 1 USDT−0.07% over 24hCalculation refreshed today at 10:161 USDT = 0.8384 EUROfficial rate; the final rate in the request may differ.
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UAE licence No. 9966786413

ZABA (Zagrebacka Banka, ZABAHR2X) - Croatia's largest bank (UniCredit group) - accepts SEPA/SWIFT transfers to IBAN HR (21 characters). Transfers from Russia to Croatia for tourism, property purchase and education: Croatia switched to EUR in 2023 (7.5345 HRK/EUR), transfers undergo EU compliance checks. Details: SWIFT ZABAHR2X + IBAN HR + recipient name; Croatia in the EU since 2013.

How to send money to Croatia

The route, the receiving bank and the payout amount are agreed before payment.

EUR to IBAN HR through available international routes. Croatia entered the eurozone on January 1, 2023: before that, the national currency was the Croatian kuna (HRK), which was replaced with the euro at a fixed rate of 1 EUR = 7.53450 HRK. The IBAN HR format contains 21 characters and is used for bank transfers in EUR, including within SEPA. For an international transfer, you typically need IBAN HR, the bank's SWIFT/BIC and the recipient's full name. The country's largest banks are Zagrebačka banka (ZABA, ZABAHR2X), part of the UniCredit group, and Privredna banka Zagreb (PBZ, PBZGHR2X), part of the Intesa Sanpaolo group.

Bank checks and transfer conditions

As an EU member, Croatia applies current sanctions restrictions against Russia, so the specific transfer depends on the receiving bank, available correspondent chain and standard AML/KYC checks. ATM24 verifies the available route in advance before payment. ATM24 commission - from 0.9%, international settlement time - 2–5 business days.

3 ways to send money to Croatia

Pick the way that suits the recipient — we agree the route and the details before payment

To Visa/Mastercard card

Card transfer for personal needs. EUR Visa/Mastercard cards work throughout Croatia. Banks: ZABA, PBZ, Erste, Raiffeisen Croatia. Check with an ATM24 manager for the current route

  • UniCredit
  • Intesa
  • Erste Bank Croatia

To EUR bank account (IBAN HR)

SWIFT + IBAN - the standard for transfers to Croatia. SWIFT: ZABA ZABAHR2X, PBZ PBZGHR2X, Erste ESBCHR22, Raiffeisen RZBHHR2X. IBAN: HR + 2 check digits + 17 digits (21 characters). SEPA for EUR payments, SWIFT for international transfers

  • Time: 1-3 business days (SEPA/SWIFT EUR)
  • UniCredit
  • Intesa
  • Erste Bank Croatia

EUR cash

EUR cash is Croatia's official currency since 2023. EUR is dispensed by ATMs from ZABA, PBZ, Erste throughout the country. Before your trip, it's convenient to transfer EUR to an account via ATM24. HRK (kuna) is no longer in circulation; it was exchanged until July 2023

  • Zagreb
  • Split
  • Rijeka

ATM24 sends EUR to Croatia via SWIFT. Croatia is an EU country, transfers undergo compliance checks; an ATM24 manager will clarify the route for your situation. Commission from 0.9%, exchange rate is fixed upon confirmation.

Rates and cost of a transfer to Croatia

We accept RUB, USD and USDT — we pay out in EUR

Reference rate for today

  • RUB EUR

    0.009489per 1 RUB

    10 000 ₽ = 94.89 EUR
  • USD EUR

    0.8384per 1 USD

    100 $ = 83.84 EUR
  • USDT EUR

    0.8384per 1 USDT

    100 USDT = 83.84 EUR

What the recipient gets — at 1 USDT = 0.8384 EUR

You sendPayout in EUR
100 USDT83.84 EUR
300 USDT252 EUR
500 USDT419 EUR
1 000 USDT838 EUR
5 000 USDT4 192 EUR
Reference values update automatically. The final fee and rate are locked in the request before payment.

Banks and payment infrastructure — Croatia

Where recipients usually get the money in Croatia

  • UniCredit

    Zagrebačka Banka UniCredit — a universal bank with retail and corporate services. Recipients may use an account, card, branch, or mobile banking.

  • Intesa

    Privredna Banka Zagreb Intesa — a commercial bank providing accounts, cards, and transfers. It is suitable for recipients who use bank account details.

  • Erste Bank Croatia

    SWIFT: ESBCHR22; Accepts transfers from Russia: Check with ATM24 manager

  • Raiffeisen Bank Croatia

    Raiffeisen Bank Croatia — a bank serving personal customers and small businesses. Its services typically include accounts, cards, branches, and digital banking.

  • OTP Banka Croatia

    OTP Banka Croatia — a local bank with standard account and cash services. Transfer availability depends on the details, currency, and bank rules.

How payments work in Croatia

  • National currency

    The national currency is the euro (EUR): Croatia switched to it on January 1, 2023, replacing the Croatian kuna (HRK) at a fixed rate of 1 EUR = 7.53450 HRK.

  • Card systems

    Visa and Mastercard cover the entire market. DinaCard is a regional system accepted in Serbia and several other Balkan countries. Keks Pay (Erste Bank) is a popular mobile wallet. Credit cards from American tourists are accepted everywhere.

  • Payment applications

    The EUR/RUB rate is floating and depends on the foreign exchange market, so the 2024 reference rate of around 94–96 RUB per 1 EUR should not be used as current without verification.

  • Interbank transfers

    Hrvatska narodna banka (HNB) - the country's central bank and participant in the Eurosystem. Croatian IBAN contains 21 characters: HR + 2 check digits + 17 digits of bank details.

  • Financial regulator

    Croatia has been part of the EU since 2013 and the eurozone since 2023.

  • Special features for ATM24

    As an EU member, Croatia applies current sanctions restrictions against Russia, so international transfers undergo standard compliance and AML/KYC checks; ATM24 conducts them taking into account the available banking route.

With an ATM24 transfer the recipient gives their own bank and details, so the money lands directly on the account.

How the transfer works to Croatia

Three steps from request to payout

  1. Step

    Send a request

    Fill in the form or write to us on WhatsApp or Telegram — a manager will check the available route

  2. Step

    Agree the route

    We check the recipient details and confirm the route, rate, fee and payout amount

  3. Step

    Pay for the transfer

    Once paid, the transfer goes out along the agreed route — we report the status in the messenger

What to prepare for the transfer

To EUR bank account (IBAN HR)

  • SWIFT: ZABA ZABAHR2X, PBZ PBZGHR2X, Erste ESBCHR22, Raiffeisen RZBHHR2X
  • IBAN: HR + 2 check digits + 17 digits (21 characters)
  • SEPA for EUR payments, SWIFT for international transfers
  • Time: 1-3 business days (SEPA/SWIFT EUR)

We verify the exact details when agreeing the available route before payment.

Why people choose ATM24

Facts, not promises

No surprises on the rate

You see the rate, the fee and the payout amount before you send the money.

Request to CroatiaLocked in
Rate
1 USDT = 0.8384 EUR
Payout method
Bank transfer
Payout currency
EUR
The rate and the amount are locked when the request is confirmed and do not change afterwards.

Terms are known before payment

The route, rate, fee and payout amount are agreed before payment.

  • Route
  • Rate
  • Payout amount

Cash payout

Reference cities with payout locations. Availability of a specific location is confirmed in the request.

  • Zagreb
  • Split
  • Rijeka

Confirm the city before payment

Available payout options

Only methods present in both the country description and the current route are shown.

You send
  • RUB
  • USD
  • USDT
EUR
They receive
  • Bank transfer
  • Cash
  • MoneyGram
  • Western Union

Customer reviews

Real stories from real people

Ксения Сергеевна

Google

Many thanks to manager Stanislav for his help and patience! Everything's great!

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Ирина Цыганок

Trustpilot

They answered my questions quickly and

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Leon Prokhorov

Google

Used the service for the first time. Everything is very clear, operator Ekaterina helped and guided me. Good rate, everything honest, fast. I recommend it. Many thanks to Ekaterina!

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Татьяна Нельская

Google

Operator Ekaterina. Dubai, received dirhams, everything clear and understandable. But watch the rate carefully for commissions!

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Transfers to other countries

We agree the rate and the payout method before payment — pick where the money goes.

Frequently asked questions about money transfers to Croatia

Answers to popular questions about money transfers to Croatia: euro in Croatia, transition from HRK, IBAN, prices and salaries.

How can I send money to Croatia with payout in EUR through ATM24?

For a transfer to Croatia in EUR, ATM24 builds the order around the recipient's payout method on the Croatia EUR payout route. The sender sees the route, fee from 0.9%, expected timing from 15 minutes, and final amount before payment; if details change, the calculation is updated. Bank-route examples for Croatia: Zagrebačka banka, Privredna banka Zagreb, Slatinska banka, Samoborska banka, and Raiffeisen Bank (Croatia).

Can the recipient receive a transfer on a card or bank account in Croatia in EUR?

In Croatia, a EUR transfer may go to a bank-issued card or bank account depending on the receiving bank. ATM24 checks the Croatia EUR payout route through a bank such as Privredna banka Zagreb or Samoborska banka and confirms whether card payout, account payout, or only one option is available. The sender pays after that route is confirmed. Bank-route examples for Croatia: Zagrebačka banka, Privredna banka Zagreb, Slatinska banka, Samoborska banka, and Raiffeisen Bank (Croatia).

Which banks can receive a transfer to Croatia in EUR?

ATM24 can check whether a EUR transfer to Croatia may go through Zagrebačka banka, Privredna banka Zagreb, Slatinska banka, Samoborska banka, and Raiffeisen Bank (Croatia). The receiving bank must match the recipient details and accept the selected payout route. The manager confirms the bank, account or card format, and final amount before payment.

What recipient details are needed to send money to Croatia in EUR?

Recipient details for Croatia in EUR depend on the bank or payout channel named in the order. ATM24 may need the recipient name, Zagrebačka banka or another bank, account or card data, and payment purpose. The sender pays only after those fields are confirmed. Bank-route examples for Croatia: Zagrebačka banka, Privredna banka Zagreb, Slatinska banka, Samoborska banka, and Raiffeisen Bank (Croatia).

How long does a money transfer to Croatia in EUR take?

For Croatia, a EUR payout may be fast only after the selected channel is checked. ATM24 reviews Zagrebačka banka, Privredna banka Zagreb, Slatinska banka, Samoborska banka, and Raiffeisen Bank (Croatia) plus card or account payout options before giving timing. The manager confirms the expected time before the sender pays. Bank-route examples for Croatia: Zagrebačka banka, Privredna banka Zagreb, Slatinska banka, Samoborska banka, and Raiffeisen Bank (Croatia).

What is the fee for sending money to Croatia with payout in EUR?

A EUR transfer to Croatia through ATM24 has a fee starting from 0.9%, but the useful number is the final amount after the route is checked. ATM24 confirms the Croatia EUR payout route, bank such as Slatinska banka, exchange conditions, sender's payment method, and payout amount. Any fee charged by the sender's card issuer or bank should be checked separately. Bank-route examples for Croatia: Zagrebačka banka, Privredna banka Zagreb, Slatinska banka, Samoborska banka, and Raiffeisen Bank (Croatia).

Can I pay by international card, bank transfer, or USDT while the recipient receives EUR in Croatia?

Yes, the sender can use an available card, bank transfer, USDT, or another confirmed method while the recipient receives EUR in Croatia. The manager checks Zagrebačka banka, Privredna banka Zagreb, payout route, exchange conditions, and final amount before payment. Any card conversion or sending-bank fee remains outside the recipient payout. Bank-route examples for Croatia: Zagrebačka banka, Privredna banka Zagreb, Slatinska banka, Samoborska banka, and Raiffeisen Bank (Croatia).

What is the minimum and maximum transfer amount to Croatia in EUR?

ATM24 accepts transfers to Croatia in EUR from 100 USD or the equivalent. The maximum amount is not a single country-wide number; it depends on the Croatia EUR payout route, bank rules, payout channel, sender payment method, and recipient data. For a large transfer, the manager confirms the limit and documents before the sender pays. Bank-route examples for Croatia: Zagrebačka banka, Privredna banka Zagreb, Slatinska banka, Samoborska banka, and Raiffeisen Bank (Croatia).

What documents are needed for a large transfer to Croatia in EUR?

For Croatia, extra documents for a EUR payout depend on the route through Privredna banka Zagreb, Slatinska banka, or another confirmed channel. ATM24 may ask for identification, source of funds, recipient details, and payment-purpose wording. The list is confirmed after the amount and bank route are reviewed. Bank-route examples for Croatia: Zagrebačka banka, Privredna banka Zagreb, Slatinska banka, Samoborska banka, and Raiffeisen Bank (Croatia).

How much will the recipient get in EUR if I send 1000 USD to Croatia?

For Croatia, a 1000 USD transfer can produce a different EUR result depending on the receiving route: 838.39 EUR. The ATM24 calculation includes Samoborska banka or another confirmed bank, payout method, fee from 0.9%, and exchange conditions. The sender sees the final amount before payment. Bank-route examples for Croatia: Zagrebačka banka, Privredna banka Zagreb, Slatinska banka, Samoborska banka, and Raiffeisen Bank (Croatia).

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Send money to Croatia with ATM24

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