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
CroatiaEUREuro
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.
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.
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.
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
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
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
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.
We accept RUB, USD and USDT — we pay out in EUR
RUB EUR
0.009489per 1 RUB
10 000 ₽ = 94.89 EURUSD EUR
0.8384per 1 USD
100 $ = 83.84 EURUSDT EUR
0.8384per 1 USDT
100 USDT = 83.84 EUR| You send | Payout in EUR |
|---|---|
| 100 USDT | 83.84 EUR |
| 300 USDT | 252 EUR |
| 500 USDT | 419 EUR |
| 1 000 USDT | 838 EUR |
| 5 000 USDT | 4 192 EUR |
Where recipients usually get the money in Croatia
Zagrebačka Banka UniCredit — a universal bank with retail and corporate services. Recipients may use an account, card, branch, or mobile banking.
Privredna Banka Zagreb Intesa — a commercial bank providing accounts, cards, and transfers. It is suitable for recipients who use bank account details.
SWIFT: ESBCHR22; Accepts transfers from Russia: Check with ATM24 manager
Raiffeisen Bank Croatia — a bank serving personal customers and small businesses. Its services typically include accounts, cards, branches, and digital banking.
OTP Banka Croatia — a local bank with standard account and cash services. Transfer availability depends on the details, currency, and bank rules.
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.
Three steps from request to payout
Fill in the form or write to us on WhatsApp or Telegram — a manager will check the available route
We check the recipient details and confirm the route, rate, fee and payout amount
Once paid, the transfer goes out along the agreed route — we report the status in the messenger
We verify the exact details when agreeing the available route before payment.
Facts, not promises
You see the rate, the fee and the payout amount before you send the money.
The route, rate, fee and payout amount are agreed before payment.
Reference cities with payout locations. Availability of a specific location is confirmed in the request.
Confirm the city before payment
Only methods present in both the country description and the current route are shown.
Real stories from real people
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Read full reviewFound the first link via Google search for exchanging from Russian bank cards to cash baht. For the first exchange they gave a bonus equal to the official rate. Agreed quickly, explained everything, I transferred from T Bank. Thanks to manager Egor!
Read full reviewExcellent exchange. Everything is fast and clear. I withdrew by code through an ATM. Manager Egor clearly explained what to do.
Read full reviewExchanged money in Pattaya. Very convenient. Transferred via SBP and received cash from the courier. Thanks to manager Egor for helping with the exchange.
Read full reviewAt first I had doubts because there are many scammers around, but it turned out the service is good, thanks to manager Egor. They responded quickly, I withdrew in Thailand following the instructions at a Krungsri ATM, used it again a day later. The rate is decent, overall a good place to turn to if you urgently need local cash.
Read full reviewWe agree the rate and the payout method before payment — pick where the money goes.
Country not found
Answers to popular questions about money transfers to Croatia: euro in Croatia, transition from HRK, IBAN, prices and salaries.
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).
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).
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.
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).
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).
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).
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).
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).
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).
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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