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.
SEPA Bank Transfer
Croatia operates within SEPA and the euro area. SEPA Instant Credit Transfer (SCT Inst) is available, enabling real-time euro transfers 24/7. Used for bill payments and larger e-commerce transactions.
Cash on Delivery (COD)
Still used for approximately 25% of e-commerce orders, particularly in rural areas and for first-time buyers. Declining as digital payment trust increases.
CorvusPay
Leading Croatian payment gateway used by many domestic e-commerce merchants for card processing. Supports 3D Secure authentication and multiple card schemes.
Visa / Mastercard
Dominant payment networks for both online and in-store purchases. The number of contactless cards grew from 5.7 million in 2020 to 6.4 million in 2024. Euro adoption in 2023 removed cross-border currency friction for EU purchases.
PayPal
Widely used for cross-border purchases, particularly for international marketplaces. Strong consumer trust makes it a preferred choice for cross-border online shopping. Flow: User selects PayPal, a modal or redirect opens. User logs in, confirms funding source, reviews details, authorizes. Control returns to merchant with approved or declined status.
Apple Pay / Google Pay
NFC mobile wallets with strong adoption following euro adoption. Supported by major Croatian banks. Contributing to the 47% online payment share of total payment value in the country.
All payment methods in Croatia
Discover 6 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.
