Croatia

HR · HRV · 191EuropeEUR €26 methods

Revised · 5 sources

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Euro adoption in 2023 eliminated currency conversion costs and simplified cross-border online shopping

$1.1 bn

e-commerce spend · 2025e

~3.3M

online population

~18%

of total retail

~90%

banked adults

~55%

credit card population

Mix Methods Behaviour Banks Sources Facts

Payment mix

share of e-commerce spend · 2025e

CategoryLeading methodShare

CardVisa40%
Cash on Delivery—25%
E-WalletGoogle Pay20%
Bank TransferSEPA Direct Debit12%
Other—3%

Methods in use

top 8 of 26 · by spend

MethodTypeShare

All 26 methods in Croatia →

Checkout behaviour

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

~18%

e-commerce of retail

Facts

ISO 3166: HR · HRV · 191
Region: Europe
Population: 3.9M
Currency: EUR €
Internet use: ~85%
Banked adults: ~90%
Methods live: 26
Banks covered: 9

Largest banks

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United Kingdom El Salvador Slovenia Luxembourg

Sources

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