---
title: "Croatia: financial institutions, SWIFT/BIC codes and licences | Elucidate"
description: "61 institutions in Croatia (as at 23 September 2026): 41 hold a SWIFT/BIC code and 20 do not. 21 are on 2 tracked registers."
url: https://elucidate.co/directory/country/hr
---

1.  [Directory](https://elucidate.co/directory)
2.  [Countries](https://elucidate.co/directory/country)
3.  Croatia

Country · Europe & Central Asia

# Croatia

Check who the institutions in Croatia are: whether each holds a BIC, which register lists it and whether an LEI is mapped. Two tracked registers cover Croatia, so institutions without a BIC appear where they list them.

61

Institutions

Active · plus 2 inactive

41

Hold a BIC

67% of institutions

21

On a tracked register

34% of institutions

46

LEI mapped

75% of institutions

19

ECB-supervised

5 significant, 14 less significant

### Croatia at a glance

Every row is the same 61 institutions, split by one attribute

Type

-   Financial institution 20 · 33%
-   Credit institution 19 · 31%
-   Payments & e-money 16 · 26%
-   Crypto 5 · 8.2%
-   Non-financial corporate 1 · 1.6%

Identification

-   [BIC only](https://elucidate.co/directory/search?source=bic,noregister&cc=HR) 40 · 66%
-   [BIC and a register licence](https://elucidate.co/directory/search?source=bic,register&cc=HR) 1 · 1.6%
-   [Register only, no BIC](https://elucidate.co/directory/search?source=nobic&cc=HR) 20 · 33%

Regulation level

-   [Prudential licence](https://elucidate.co/directory/search?reg=prudential&cc=HR) 37 · 61%
-   [Small-firm registration](https://elucidate.co/directory/search?reg=registered&cc=HR) 3 · 4.9%
-   [Not on a tracked register](https://elucidate.co/directory/search?reg=none&cc=HR) 21 · 34%

LEI

-   LEI mapped 46 · 75%
-   No LEI mapped 15 · 25%

View as table

| Attribute | Institutions | Share |
| --- | --- | --- |
| Type |
| Financial institution | 20 | 33% |
| Credit institution | 19 | 31% |
| Payments & e-money | 16 | 26% |
| Crypto | 5 | 8.2% |
| Non-financial corporate | 1 | 1.6% |
| Identification |
| BIC only | 40 | 66% |
| BIC and a register licence | 1 | 1.6% |
| Register only, no BIC | 20 | 33% |
| Regulation level |
| Prudential licence | 37 | 61% |
| Small-firm registration | 3 | 4.9% |
| Not on a tracked register | 21 | 34% |
| LEI |
| LEI mapped | 46 | 75% |
| No LEI mapped | 15 | 25% |

An institution is one entry in the directory: a BIC8 in Swift’s directory, or a firm on a tracked register that holds no BIC. Licences held by an institution with a BIC are shown on its page.

BIC data as at 23 September 2026 · Registers retrieved 25 September 2026

[Institutions](https://elucidate.co/directory/country/hr#institutions) [Regulation](https://elucidate.co/directory/country/hr#registers) [Groups](https://elucidate.co/directory/country/hr#groups) [Payments](https://elucidate.co/directory/country/hr#payments) [BIC codes](https://elucidate.co/directory/country/hr#bics)

## Institutions in Croatia

The first 25 of 61 institutions in Croatia, with or without a BIC: prudentially supervised and larger institutions first. No OFAC or EU listing cites an institution in Croatia.

-   [OTP Banka D.D. BIC OTPVHR2X Credit institution Prudential licence Croatia · On the ECB list of supervised entities · LEI 5299005UJX6K7BQKV086](https://elucidate.co/directory/otp-banka-d-d-otpvhr2x)
-   [Erste Steiermaerkische Bank D.D. BIC ESBCHR22 Credit institution Prudential licence Croatia · On the ECB list of supervised entities · LEI 549300A2F46GR0UOM390](https://elucidate.co/directory/erste-steiermaerkische-bank-d-d-esbchr22)
-   [Podravska Banka D.D BIC PDKCHR2X Credit institution Prudential licence Croatia · On the ECB list of supervised entities · LEI 529900LSO9YYPL05B152](https://elucidate.co/directory/podravska-banka-d-d-pdkchr2x)
-   [Privredna Banka Zagreb D.D BIC PBZGHR2X Credit institution Prudential licence Croatia · On the ECB list of supervised entities · LEI 549300ZHFZ4CSK7VS460](https://elucidate.co/directory/privredna-banka-zagreb-d-d-pbzghr2x)
-   [Zagrebacka Banka D.D. BIC ZABAHR2X Credit institution Prudential licence Croatia · On the ECB list of supervised entities · LEI PRNXTNXHBI0TSY1V8P17](https://elucidate.co/directory/zagrebacka-banka-d-d-zabahr2x)
-   [Agram Banka D.D. BIC KREZHR2X Credit institution Prudential licence Croatia · On the ECB list of supervised entities · LEI 549300XIM24KBQS8HU64](https://elucidate.co/directory/agram-banka-d-d-krezhr2x)
-   [Croatia Banka D.D BIC CROAHR2X Credit institution Prudential licence Croatia · On the ECB list of supervised entities · LEI 529900086UL2LKA05756](https://elucidate.co/directory/croatia-banka-d-d-croahr2x)
-   [Raiffeisenbank Austria D.D. BIC RZBHHR2X Credit institution Prudential licence Croatia · On the ECB list of supervised entities · LEI 529900I1UZV70CZRAU55](https://elucidate.co/directory/raiffeisenbank-austria-d-d-rzbhhr2x)
-   [Addiko Bank D.D. BIC HAABHR22 Credit institution Prudential licence Croatia · On the ECB list of supervised entities · LEI RG3IZJKPYQ4H6IQPIC08](https://elucidate.co/directory/addiko-bank-d-d-haabhr22)
-   [Aircash d.o.o. No BIC Payments & e-money Prudential licence Croatia · Licensed by Croatian National Bank · IEN116 (EBA-PSD2) · LEI 747800Y0J7JFIMB91F97](https://elucidate.co/directory/aircash-d-o-o-b19945733514)
-   [Hrvatski Telekom d.d. No BIC Payments & e-money Prudential licence Croatia · Licensed by Croatian National Bank · IPP421 (EBA-PSD2) · LEI 097900BFHJ0000029454](https://elucidate.co/directory/hrvatski-telekom-d-d-3602665bbb2b)
-   [PRIMEX PAYMENTS d.o.o. No BIC Payments & e-money Prudential licence Croatia · Licensed by Croatian National Bank · IEN117 (EBA-PSD2) · No LEI mapped](https://elucidate.co/directory/primex-payments-d-o-o-a75e59a40697)
-   [Banka Kovanica D.D. BIC SKOVHR22 Credit institution Prudential licence Croatia · On the ECB list of supervised entities · LEI 315700Q1DHHS9RDVHY29](https://elucidate.co/directory/banka-kovanica-d-d-skovhr22)
-   [Bitblock Ltd. for Services · trading as KRIPTOMAT No BIC Crypto Prudential licence Croatia · Licensed by Croatian Financial Services Supervisory Agency (HANFA) · 9845006A6CAABE4C0347 (ESMA-CASP) · LEI 9845006A6CAABE4C0347](https://elucidate.co/directory/bitblock-ltd-for-services-884f6e5d4287)
-   [Bks Bank AG, Glavna Podruznica Hrvatska BIC BFKKHR22 Credit institution Prudential licence Croatia · On the ECB list of supervised entities · LEI 529900B9P29R8W03IX88](https://elucidate.co/directory/bks-bank-ag-glavna-podruznica-hrvatska-bfkkhr22)
-   [Corvus Pay D.O.O. BIC COYDHR22 Payments & e-money Prudential licence Croatia · Licensed by Croatian National Bank · IPP413 (EBA-PSD2) · LEI 984500BE715V79F76C18](https://elucidate.co/directory/corvus-pay-d-o-o-coydhr22)
-   [DIGITAL ASSETS Limited liability company for intermediation and services · trading as BITCOIN STORE No BIC Crypto Prudential licence Croatia · Licensed by Croatian Financial Services Supervisory Agency (HANFA) · 984500NB7D12BC5B4A79 (ESMA-CASP) · LEI 984500NB7D12BC5B4A79](https://elucidate.co/directory/digital-assets-limited-liability-company-for-intermediation-and-services-11d1b3aee647)
-   [ELECTROCOIN Ltd for services · trading as ELECTROCOIN No BIC Crypto Prudential licence Croatia · Licensed by Croatian Financial Services Supervisory Agency (HANFA) · 747800R015JVW1T4WZ71 (ESMA-CASP) · LEI 747800R015JVW1T4WZ71](https://elucidate.co/directory/electrocoin-ltd-for-services-680253f8353f)
-   [ELEKTRONIČKI RAČUNI d.o.o. No BIC Payments & e-money Prudential licence Croatia · Licensed by Croatian National Bank · IPP414 (EBA-PSD2) · LEI 747800K06CJWN6ZD8F52](https://elucidate.co/directory/elektronicki-racuni-d-o-o-731e6018b2a5)
-   [Global Payments d.o.o. No BIC Payments & e-money Prudential licence Croatia · Licensed by Croatian National Bank · IPP418 (EBA-PSD2) · No LEI mapped](https://elucidate.co/directory/global-payments-d-o-o-159a443f3e57)
-   [HITRA produkcija dokumenata d.o.o. No BIC Payments & e-money Prudential licence Croatia · Licensed by Croatian National Bank · IPP417 (EBA-PSD2) · LEI 2549005QN5XUM17OK742](https://elucidate.co/directory/hitra-produkcija-dokumenata-d-o-o-8a928b868a7f)
-   [Hrvatska Postanska Banka D.D BIC HPBZHR2X Credit institution Prudential licence Croatia · On the ECB list of supervised entities · LEI 529900D5G4V6THXC5P79](https://elucidate.co/directory/hrvatska-postanska-banka-d-d-hpbzhr2x)
-   [Imex-Banka LTD BIC IMXXHR22 Credit institution Prudential licence Croatia · On the ECB list of supervised entities · LEI 549300MXKMPGM4KO7123](https://elucidate.co/directory/imex-banka-ltd-imxxhr22)
-   [IN KAPITAL limited liability company for trade and services · trading as IN KAPITAL No BIC Crypto Prudential licence Croatia · Licensed by Croatian Financial Services Supervisory Agency (HANFA) · 747800O0P6DFI8RSKT10 (ESMA-CASP) · LEI 747800O0P6DFI8RSKT10](https://elucidate.co/directory/in-kapital-limited-liability-company-for-trade-and-services-ee3a182a5f2d)
-   [INTIS d.o.o. No BIC Payments & e-money Prudential licence Croatia · Licensed by Croatian National Bank · IPP416 (EBA-PSD2) · LEI 984500953B87BV1A1A85](https://elucidate.co/directory/intis-d-o-o-a4e40e4e0915)

[See all 61 institutions in Croatia →](https://elucidate.co/directory/search?cc=HR)

[See the 2 institutions marked inactive →](https://elucidate.co/directory/search?status=i&cc=HR)

## Regulation and supervision

Two tracked registers cover Croatia, retrieved 25 September 2026. Of the 61 institutions here, 21 are on one of them. By regulation level: 37 prudentially supervised, 3 with a small-firm registration, 21 not on a tracked register.

### Registers covering Croatia

Institutions in Croatia holding an active licence or registration on each register

| Register | Publisher | Institutions here | Of which hold a BIC | Inactive | As at |
| --- | --- | --- | --- | --- | --- |
| [EBA PSD2 Register](https://elucidate.co/directory/register/eba-psd2) EBA-PSD2 | European Banking Authority (EBA) | [16](https://elucidate.co/directory/search?cc=HR&register=EBA-PSD2) | 1 | 2 | 25 September 2026 |
| [ESMA interim MiCA register of crypto-asset service providers](https://elucidate.co/directory/register/esma-casp) ESMA-CASP | European Securities and Markets Authority (ESMA) | [5](https://elucidate.co/directory/search?cc=HR&register=ESMA-CASP) | 0 | 0 | 25 September 2026 |

### Institutions that hold a BIC and are on a tracked register

Their register licences are shown on their page

-   [Corvus Pay D.O.O. BIC COYDHR22 Payments & e-money Prudential licence Croatia · Licensed by Croatian National Bank · IPP413 (EBA-PSD2) · LEI 984500BE715V79F76C18](https://elucidate.co/directory/corvus-pay-d-o-o-coydhr22)

[See 1 institution that hold a BIC and are on a tracked register →](https://elucidate.co/directory/search?source=bic,register&cc=HR)

### Supervisors

Authorities named on the ECB list and on the active licences of institutions here

| Authority | Basis | Institutions |
| --- | --- | --- |
| Hrvatska narodna banka | ECB list: less significant institutions | 13 |
| Finanzmarktaufsicht / Oesterreichische Nationalbank | ECB list: less significant institutions | 1 |
| Croatian National Bank | Licences on the tracked registers | 16 |
| Croatian Financial Services Supervisory Agency (HANFA) | Licences on the tracked registers | 5 |

### ECB banking supervision

Significant institutions

The ECB list of supervised entities covers 19 institutions here that hold a BIC: 5 significant, supervised directly by the ECB, and 14 less significant.

-   [Erste Steiermaerkische Bank D.D. BIC ESBCHR22 Credit institution Prudential licence Croatia · On the ECB list of supervised entities · LEI 549300A2F46GR0UOM390](https://elucidate.co/directory/erste-steiermaerkische-bank-d-d-esbchr22)
-   [Privredna Banka Zagreb D.D BIC PBZGHR2X Credit institution Prudential licence Croatia · On the ECB list of supervised entities · LEI 549300ZHFZ4CSK7VS460](https://elucidate.co/directory/privredna-banka-zagreb-d-d-pbzghr2x)
-   [Zagrebacka Banka D.D. BIC ZABAHR2X Credit institution Prudential licence Croatia · On the ECB list of supervised entities · LEI PRNXTNXHBI0TSY1V8P17](https://elucidate.co/directory/zagrebacka-banka-d-d-zabahr2x)
-   [Raiffeisenbank Austria D.D. BIC RZBHHR2X Credit institution Prudential licence Croatia · On the ECB list of supervised entities · LEI 529900I1UZV70CZRAU55](https://elucidate.co/directory/raiffeisenbank-austria-d-d-rzbhhr2x)
-   [Addiko Bank D.D. BIC HAABHR22 Credit institution Prudential licence Croatia · On the ECB list of supervised entities · LEI RG3IZJKPYQ4H6IQPIC08](https://elucidate.co/directory/addiko-bank-d-d-haabhr22)

[See all 19 ECB-supervised institutions →](https://elucidate.co/directory/search?cc=HR&flag=ssm)

## Groups and systemic importance

GLEIF records the head office of 2 corporate groups in the directory here. For 11 institutions here, GLEIF records a parent in another country.

### Largest other groups

GLEIF consolidation groups, by legal entities (LEIs) in this country

| Group | LEIs here | LEIs in the group |
| --- | --- | --- |
| [Intesa Sanpaolo SPA](https://elucidate.co/directory/group/2W8N8UU78PMDQKZENC08) | 2 | 25 |
| [Financijska agencija](https://elucidate.co/directory/group/747800R0J5YBJED3N877) | 2 | 2 |
| [J&t Finance Group SE](https://elucidate.co/directory/group/315700E9POA724IWFP59) | 1 | 6 |
| [Addiko Bank AG](https://elucidate.co/directory/group/529900UKZBMDBDZIXD62) | 1 | 7 |
| [OTP Bank Nyrt.](https://elucidate.co/directory/group/529900W3MOO00A18X956) | 1 | 16 |

### Groups headquartered here

Largest of 2, by legal entities in the directory

| Group | LEIs in the directory |
| --- | --- |
| [Financijska agencija](https://elucidate.co/directory/group/747800R0J5YBJED3N877) | 2 |
| [Zagrebačka burza d.d.](https://elucidate.co/directory/group/7478000050A040C0D041) | 2 |

[See all corporate groups →](https://elucidate.co/directory/group)

### Parents abroad

Institutions here by the country of their GLEIF ultimate parent (else direct parent)

-   [Italy4](https://elucidate.co/directory/country/it "Italy: 4")
-   [Austria3](https://elucidate.co/directory/country/at "Austria: 3")
-   [Czechia1](https://elucidate.co/directory/country/cz "Czechia: 1")
-   [Germany1](https://elucidate.co/directory/country/de "Germany: 1")
-   [Hungary1](https://elucidate.co/directory/country/hu "Hungary: 1")
-   [Türkiye1](https://elucidate.co/directory/country/tr "Türkiye: 1")

GLEIF parents are accounting-consolidation relationships. They do not show ownership shares or control.

## Payments and connectivity

Of the 41 institutions in Croatia that hold a BIC, 36.6% are connected to Swift, as at 23 September 2026. Network data does not exist for the 20 that do not hold a BIC.

### Connection to Swift

Institutions that hold a BIC, by connection type in Swift’s directory

-   Connected to Swift15 · 36.6%
-   Reverse billing16 · 39%
-   Passive participant (no connection)10 · 24.4%

A BIC does not imply a connection to the Swift network.

### Payment schemes

Institutions that hold a BIC, reachable in each scheme

- **Reachable in a SEPA scheme:** 21 institutions
- **SEPA Instant Credit Transfer:** 20 institutions
- **T2 participants:** 23 institutions

### National bank codes

The national directory matched to BICs on institution pages

- **Scheme:** Vodeći broj HR-VBDI
- **Source:** [Source: Croatian National Bank (HNB) ↗](https://www.hnb.hr/en/core-functions/payment-system/payment-service-provider-codes)
- **Published:** 27 March 2025

### Trading venues

5 live market identifier codes (ISO 10383) operated by institutions here, by category

-   Systematic internaliserSINT2
-   Approved publication arrangementAPPA1
-   Multilateral trading facilityMLTF1
-   Regulated marketRMKT1

## All BIC codes in Croatia

Look up any of the 87 BIC codes registered in Croatia: the head offices and branch codes of the 41 institutions here that hold a BIC, with their LEIs and flags.

[Download the list (JSON)](https://elucidate.co/data/banks/countries/HR.json)

### Where branch codes cluster

Branch codes by city, top 8

-   Zagreb29
-   Rijeka4
-   Split4
-   Koprivnica3
-   Dubrovnik1
-   Pula1
-   Sibenik1
-   Sisak1

## Other countries in Europe & Central Asia

The directory has pages for 59 other countries and territories in Europe & Central Asia.

[Albania](https://elucidate.co/directory/country/al) [Andorra](https://elucidate.co/directory/country/ad) [Armenia](https://elucidate.co/directory/country/am) [Austria](https://elucidate.co/directory/country/at) [Azerbaijan](https://elucidate.co/directory/country/az) [Belarus](https://elucidate.co/directory/country/by) [Belgium](https://elucidate.co/directory/country/be) [Bosnia & Herzegovina](https://elucidate.co/directory/country/ba) [Bulgaria](https://elucidate.co/directory/country/bg) [Cyprus](https://elucidate.co/directory/country/cy) [Czechia](https://elucidate.co/directory/country/cz) [Denmark](https://elucidate.co/directory/country/dk) [Estonia](https://elucidate.co/directory/country/ee) [Faroe Islands](https://elucidate.co/directory/country/fo) [Finland](https://elucidate.co/directory/country/fi) [France](https://elucidate.co/directory/country/fr) [Georgia](https://elucidate.co/directory/country/ge) [Germany](https://elucidate.co/directory/country/de) [Gibraltar](https://elucidate.co/directory/country/gi) [Greece](https://elucidate.co/directory/country/gr) [Greenland](https://elucidate.co/directory/country/gl) [Guernsey](https://elucidate.co/directory/country/gg) [Hungary](https://elucidate.co/directory/country/hu) [Iceland](https://elucidate.co/directory/country/is) [Ireland](https://elucidate.co/directory/country/ie) [Isle of Man](https://elucidate.co/directory/country/im) [Italy](https://elucidate.co/directory/country/it) [Jersey](https://elucidate.co/directory/country/je) [Kazakhstan](https://elucidate.co/directory/country/kz) [Kosovo](https://elucidate.co/directory/country/xk) [Kyrgyzstan](https://elucidate.co/directory/country/kg) [Latvia](https://elucidate.co/directory/country/lv) [Liechtenstein](https://elucidate.co/directory/country/li) [Lithuania](https://elucidate.co/directory/country/lt) [Luxembourg](https://elucidate.co/directory/country/lu) [Moldova](https://elucidate.co/directory/country/md) [Monaco](https://elucidate.co/directory/country/mc) [Montenegro](https://elucidate.co/directory/country/me) [Netherlands](https://elucidate.co/directory/country/nl) [North Macedonia](https://elucidate.co/directory/country/mk) [Norway](https://elucidate.co/directory/country/no) [Poland](https://elucidate.co/directory/country/pl) [Portugal](https://elucidate.co/directory/country/pt) [Romania](https://elucidate.co/directory/country/ro) [Russia](https://elucidate.co/directory/country/ru) [San Marino](https://elucidate.co/directory/country/sm) [Serbia](https://elucidate.co/directory/country/rs) [Slovakia](https://elucidate.co/directory/country/sk) [Slovenia](https://elucidate.co/directory/country/si) [Spain](https://elucidate.co/directory/country/es) [Sweden](https://elucidate.co/directory/country/se) [Switzerland](https://elucidate.co/directory/country/ch) [Tajikistan](https://elucidate.co/directory/country/tj) [Türkiye](https://elucidate.co/directory/country/tr) [Turkmenistan](https://elucidate.co/directory/country/tm) [Ukraine](https://elucidate.co/directory/country/ua) [United Kingdom](https://elucidate.co/directory/country/gb) [Uzbekistan](https://elucidate.co/directory/country/uz) [Vatican City](https://elucidate.co/directory/country/va)

Sources & method

Each institution counts once, in one country: the BIC country when it holds a BIC, otherwise the country of the register that lists it. Licences in other countries are shown on its page.

Sanctions listings are matched on the BIC and on the LEI mapped to it, so they cover institutions that hold a BIC only. Institutions without a BIC are not screened. Always screen against the official lists.

[Read the methodology →](https://elucidate.co/directory/methodology)

Sources for this page

-   **Swift ISO 9362 BIC directory**—institutions and branch codes, mapped to LEIs through the Swift and GLEIF BIC-to-LEI relationship file. As at 23 September 2026
-   **EBA PSD2 Register**—European Banking Authority (EBA) · [register ↗](https://euclid.eba.europa.eu/register/pir/search) retrieved 25 September 2026
-   **ESMA interim MiCA register of crypto-asset service providers**—European Securities and Markets Authority (ESMA) · [register ↗](https://www.esma.europa.eu/esmas-activities/digital-finance-and-innovation/markets-crypto-assets-regulation-mica) retrieved 25 September 2026
-   **ECB list of supervised entities** · [ECB ↗](https://www.bankingsupervision.europa.eu/banking/list/html/index.en.html) published 20 August 2026
-   **GLEIF relationship records (Level 2)**—accounting consolidation as reported to GLEIF · [about Level 2 data ↗](https://www.gleif.org/en/lei-data/access-and-use-lei-data/level-2-data-who-owns-whom) as at 25 September 2026

## Assess the financial crime risk behind a counterparty

A BIC or a licence identifies an entity; it does not assess it. The Elucidate FinCrime Index (EFI) is an independent score of the financial crime risk of banks and payment firms. [Read about the FinCrime Index](https://elucidate.co/ratings).

[Book a demo](https://elucidate.co/demo-request)

Licence and registration data are drawn from the public registers of the regulators named on each page and shown for information only; the official register is always the authority. LEIs and ownership are from GLEIF. Directory and gpi data are drawn from SWIFT's public sources. SWIFT, Swift gpi and UETR are trademarks of S.W.I.F.T. SC, Avenue Adèle 1, 1310 La Hulpe, Belgium. Elucidate is not affiliated with, endorsed by or sponsored by SWIFT or any regulator named here. Elucidate does not provide payment or other financial services.