EuroNKSInstCroatia’s instant payment system, operated by Fina, authorized by the HNB (Croatian National Bank) on February 12, 2020, and live since October 29, 2020, in line with the SCT Inst scheme (execution in 10 seconds or less). Launched in kuna as NKSInst, it became EuroNKSInst when Croatia adopted the euro on January 1, 2023, and was integrated into TIPS on June 24, 2023.Financijska agencija (Fina) · since 2020
Global registry · Europe · Southern Europe
Croatia Payment systems
4 systems listed.
This country doesn’t have a written market analysis yet: e-commerce shares, regulator, and key players are still to be documented. The systems below, however, are verified.
IBAN · Croatia
21 charactersSEPA area21 bank codes78 BIC codes
- Total length
- 21 characters
- Bank code position
- 5–11
- BBAN structure
7!n10!n
Structurally valid example
HRcountry code12check digits1001005bank1863000160account
HR12 1001 0051 8630 0016 0
Learn about this market. The guides and courses that cover it.
Merchant, acquirer, PSPPayment regulationCentral banks and payment infrastructuresAgents, distributors, and banking-as-a-service: who is liable for whatPayments in the BalkansPayments in the Baltics and FinlandAccepting payments in Germany, Austria, and SwitzerlandAccepting payments in Spain and PortugalChoosing a jurisdiction for your payment institutionAccepting payments in the Netherlands and BelgiumAccepting payments in the NordicsAccepting payments in Poland and Central Europe
Instant payments
Clearing and settlement
NKS (Nacionalni klirinški sustav)Croatia’s national retail clearing system. Its institutional twist: a public agency (Fina), not a bank-owned clearing house, operates the bulk infrastructure.Financijska agencija (Fina) · since 2001
Wallets
KEKS PayCroatian mobile payment app open to customers of every bank: P2P by phone number, merchant QR codes, and bill splitting. Croatians aged 18 to 35 now expect it as a payment option, including at companies such as Croatia Airlines.Erste&Steiermärkische Bank (Erste Bank Croatia) · since 2018about 600,000 active users in 2026 (secondary source)
Other
HSVPDiscontinuedThe kuna RTGS, shut down when Croatia joined the euro area on January 1, 2023, and replaced by TARGET. Useful background for reading any Croatian documentation from before 2023.Hrvatska narodna banka (HNB) · since 1999