Payment methods in Croatia
Euro adoption in 2023 eliminated currency conversion costs and simplified cross-border online shopping
Market takeaways
- Euro adoption in 2023 eliminated currency conversion costs and simplified cross-border online shopping
- Cards lead e-commerce with 40% share; digital wallets growing at 22.16% CAGR through 2030
- 28% of day-to-day consumer payments are online — among the highest in the euro area
- Smartphones captured 62% of e-commerce market share in 2024
- 6.4 million contactless cards in circulation in 2024 (in a country of ~3.9M people)
Population
3.9M
Online population
~3.3M (~85%)
B2C e-commerce
~$1.1B (2025 est.)
Banked population
~90%
Credit card population
~55%
E-commerce of total retail
~18%
Payment method breakdown
- Card40%
- Cash on Delivery25%
- E-Wallet20%
- Bank Transfer12%
- Other3%
Card scheme breakdown
- Visa50%
- Mastercard42%
- American Express4%
- Local Schemes2%
- Other2%
Cross-border e-commerce
Market data coming soon.
Featured payment methods in Croatia
Popular options based on coverage and prominence in this market.
PayPal
Global digital wallet and checkout provider with broad e-commerce coverage.
Bank Transfer (Internet & Mobile Banking)
Generic online and mobile bank-transfer methods (internet banking, e-banking, EFT and interbank transfers). Customers pay directly from their bank account via their bank's own online/mobile banking portal. Implementation and rails differ by country, but the consumer flow is a standard account-to-account bank transfer.
Visa
Visa is the world's largest card network, enabling credit, debit and prepaid card payments online, in-store and at ATMs across virtually every market. In the listed countries Visa is a core internationally accepted scheme alongside local methods.
Mastercard
Mastercard is a leading global card network supporting credit, debit and prepaid card payments online, in-store and at ATMs worldwide. In the listed countries it is a core internationally accepted scheme.
CorvusPay
Leading Croatian payment gateway used by many domestic e-commerce merchants for card processing. Supports 3D Secure authentication and multiple card schemes.
Aircash
Croatia's leading multi-currency mobile wallet expanding across the Balkans, offering online payments and a prepaid Mastercard. Operator: Aircash d.o.o.. Est. users: 1M+ users (2024).
All payment methods in Croatia
Discover 10 payment methods from around the world
Featured banks in Croatia
Major institutions operating in this market.
Intesa Sanpaolo
Turin, Italy
Intesa Sanpaolo is Italy's largest bank and one of the Eurozone's leading financial institutions, providing retail, corporate, and investment banking in Italy and across Eastern Europe, the Middle East, and Africa.
UniCredit
Milan, Italy
UniCredit is a pan-European commercial bank headquartered in Milan with a strong presence in Italy, Germany, Austria, and Central & Eastern Europe, serving 15 million clients.
Erste Group
Vienna, Austria
Erste Group is Austria's largest bank, headquartered in Vienna. It serves 17 million clients across Austria, Czech Republic, Slovakia, Hungary, Romania, Serbia, Croatia, and Slovenia.
OTP Bank
Budapest, Hungary
OTP Bank is Hungary's largest bank and the dominant financial institution in the country, with significant regional presence across Central and Eastern Europe and the Balkans.
Raiffeisen Bank International (RBI)
Vienna, Austria
Raiffeisen Bank International (RBI) is Austria's second-largest bank and a leading retail and corporate bank in Central and Eastern Europe, operating in 13 markets.
Zagrebačka banka (UniCredit HR)
Zagreb, Croatia
Zagrebačka banka (ZABA) is Croatia's largest bank, a subsidiary of UniCredit Group, offering retail, SME, and corporate banking.
