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Croatia

Croatia

Croatia, a member of the European Union, has demonstrated economic resilience and growth despite recent global challenges. The country's economy is diversified, with strong sectors in tourism, services, industry, and agriculture. Economic growth is expected to continue, supported by ongoing reforms and strategic investments.

In 2023, Croatia's GDP grew by 3.1%, driven by robust household and government consumption, higher investment activity, and positive net export evolution. For 2024, GDP growth is expected to rise to 3.3%, supported by continued real wage growth, employment increases, and strong credit activity. However, investment growth might slow down due to a temporary deceleration in the absorption of EU funds​.

Inflation in Croatia is projected to decrease from 8.4% in 2023 to 3.5% in 2024, and further to 2.2% in 2025, as energy and food prices stabilize. The unemployment rate, which was 6.1% in 2023, is expected to decline to 5.8% in 2024, reflecting improvements in the labor market and strong employment growth​.

Croatia's fiscal deficit is expected to increase to 2.6% of GDP in 2024, driven by higher public sector wages and social assistance measures. Public debt is projected to decrease from 63% of GDP in 2023 to 59.5% in 2024, supported by solid nominal GDP growth and fiscal discipline​. 

Currency:

Top banks

Zagrebačka Banka

Zagrebačka Banka is one of the largest banks in Croatia, offering a wide range of financial services to individuals and businesses.

Privredna Banka

Zagreb (PBZ) PBZ provides comprehensive banking products and services, including retail banking, corporate banking, and investment services.

Erste & Steiermärkische Bank

Erste Bank is a significant player in the Croatian banking sector, offering various financial services and maintaining a strong market presence.

Raiffeisenbank Austria d.d.

Raiffeisenbank offers a variety of banking and financial services, focusing on both retail and corporate clients.

Top payment methods

Concluding remarks

Croatia's economy is poised for continued growth, supported by a diverse payment landscape and ongoing economic reforms. As the country navigates through economic challenges and embraces technological advancements, its payment methods reflect a blend of traditional and modern approaches, catering to a wide range of consumer preferences​. 

Cash (Gotovina)

Cash remains a commonly used payment method in Croatia, especially for small transactions and in rural areas. Despite the rise of digital payments, cash is still widely used.

Credit and Debit Cards

The use of credit and debit cards is extensive, with major card networks like Visa, MasterCard, and Maestro widely accepted. Contactless payment methods are gaining popularity due to their convenience.

Bank Transfers (Bankovni transferi)

Bank transfers are frequently used for larger transactions, such as rent payments and business dealings. SEPA (Single Euro Payments Area) transfers facilitate efficient cross-border payments within the Eurozone, with Croatia using the euro since January 2023.

Mobile Payments

Mobile payment options, including Apple Pay, Google Pay, and local apps, are gaining popularity. These methods offer a convenient and secure way to make transactions using smartphones and other digital devices.

Online Payment Platforms

Platforms like PayPal and PayU are widely used for eCommerce transactions. They provide secure and efficient means to pay for goods and services online.

Prepaid Cards

Prepaid cards are popular among younger individuals and those who prefer not to use traditional banking services. These cards are used for online shopping and daily expenditures.

Cryptocurrencies

Cryptocurrencies are gradually being adopted in Croatia, particularly among tech-savvy individuals. The regulatory environment is evolving, but widespread acceptance is still in its early stages.

About us

Processing News is an Online Wikipedia of the payment world. We collect and publish information about payment habits in different countries, describing methods that payers use in their daily life. 


We attract website owners and payment professionals on our portal through marketing channels and personal communication. Also we work as affiliates and recommend to the website owners where they can find a PSP who supports their business model and we introduce clients to PSP.

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