How can I get paid from abroad in Zagreb?

A global payment account gives you account details in currencies such as USD, EUR or GBP, so clients and marketplaces can pay you locally in their country. You then convert to EUR and withdraw.

What does it cost to convert to EUR?

Costs are the conversion margin plus any withdrawal fee to your local bank in Croatia. Compare both, as they vary a lot between providers.

Who regulates international bank accounts & e-wallets in Zagreb?

Providers serving customers in Croatia fall under Croatian National Bank (HNB / Hrvatska narodna banka). Croatia adopted the euro in 2023 and, as an EU member, supervises banks, payment institutions and e-money issuers through the Croatian National Bank under EU rules including PSD2. Check the HNB register of authorised entities, or the EU passport if the provider is licensed elsewhere in the EEA.

Who uses global payment accounts in Zagreb?

Freelancers, remote workers, online sellers and small exporters in Zagreb use them to receive foreign income without opening bank accounts abroad.

Zagreb Digital Bank · International Bank Accounts & e-Wallets · Croatia

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Eligibility, pricing, and availability vary by provider, residency, and regulation in Croatia. Confirm the terms directly with each provider before opening an account.

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Check the regulator and any provider directly to confirm availability in Croatia before opening an account.

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International Bank Accounts & e-Wallets in Zagreb: what to know

Global payment accounts help people in Zagreb, Croatia get paid by clients, marketplaces and platforms in other countries, then convert the money into EUR (Euro). They are popular with freelancers, online sellers and remote workers in Zagreb.

Currency in Croatia: EUR · Euro
Regulator in Croatia: Croatian National Bank (HNB / Hrvatska narodna banka)(opens in a new tab)
Local accounts in Croatia: Croatian accounts use the standard 21-character IBAN starting HR (7-digit bank code plus 10-digit account number and 2 check digits), which replaced the old domestic model after euro adoption.
Payments in Croatia: Euro payments run over SEPA, and Croatian banks participate in the national NKS instant payment system as well as SEPA Instant, so 24/7 instant euro transfers are widely available.

Before you sign up in Zagreb

Check which currencies you can receive, the conversion fee to EUR (Euro), and the withdrawal fee to a local account in Croatia.

Sources: Croatian National Bank: official site · Croatian National Bank: payment systems oversight

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Disclosure: Digital Bank Networks is not a bank. We are an independent comparison platform. Some of the providers on this page are our affiliate partners, and we may receive compensation when you open an account through our links. This does not affect our ratings or rankings, which are based on independent analysis. All information is provided for educational purposes only. Please review each provider's terms and conditions before opening an account.