--- title: "Karlovacka Banka D.D SWIFT/BIC code KALCHR2XXXX · Croatia | Elucidate" description: "SWIFT/BIC code KALCHR2XXXX for Karlovacka Banka D.D, Croatia. Head-office BIC, LEI 3157001H8N2Q741MIT70, addresses and Swift connectivity." url: https://elucidate.co/directory/karlovacka-banka-d-d-kalchr2x --- 1. [Directory](https://elucidate.co/directory) 2. [Croatia](https://elucidate.co/directory/country/hr) 3. Karlovacka Banka D.D ![KARLOVACKA BANKA D.D logo](https://elucidate.co/images/banks/e2/e2233d7144ef94a6.webp) Croatia · Credit institution # Karlovacka Banka D.D Legal name in the LEI record KARLOVAČKA BANKA d.d. BIC **KALCHR2XXXX** LEI **[3157001H8N2Q741MIT70](https://search.gleif.org/#/record/3157001H8N2Q741MIT70)** Licence no. **Not on a tracked register** Connected to Swift Head-office BIC only [Claim this profile](https://elucidate.co/directory/karlovacka-banka-d-d-kalchr2x#claim) ## Licences and registrations Matched by LEI on the 22 tracked registers None matched by LEI in the 22 tracked registers. It is on the ECB list of supervised entities (see [Regulatory status](https://elucidate.co/directory/karlovacka-banka-d-d-kalchr2x#regulatory)): that is banking supervision, not a licence on a tracked register. - The tracked registers cover payment, e-money, crypto and money-service firms in 37 countries. Bank licences from national supervisors are not tracked. ## Regulatory status ### ECB banking supervision List of supervised entities as of 2026-07-01 - **Classification:** Less significant institution - **Supervisor:** Hrvatska narodna banka (with ECB oversight) - **Listed as:** Karlovačka banka d.d. - **Entity type:** Credit institution ## European registers ### ECB · monetary financial institutions List as at 2026-09-25 - **Category:** Credit institution - **Minimum reserves:** Subject to minimum reserves - **Listed as:** Karlovačka banka d.d. - **RIAD code:** HR08106331075 Entries are matched on the LEI. Each register is quoted as its publisher lists it. ## Swift network Swift’s ISO 9362 BIC directory - **BIC:** KALCHR2XXXX head office - **Connection to Swift:** Connected to Swift - **Swift GPI:** Not on the member list - **Payment schemes and systems:** [SCT · SCT Inst · SDD Core · SDD B2B · VOP · T2 · TIPS](https://elucidate.co/directory/karlovacka-banka-d-d-kalchr2x#schemes) - **Branch codes:** None: head-office BIC only - **BIC first registered:** 1993-06-07 - **Last updated:** 2023-01-07 ## Identifiers Head-office record - **BIC:** KALCHR2XXXX - **How the BIC breaks down:** 1. KALC Bank 2. HR Country · Croatia 3. 2X Location 4. XXX Branch · head office - **Branch description:** Not recorded in the directory - **LEI:** 3157001H8N2Q741MIT70 - **LEI record:** [View on GLEIF ↗](https://search.gleif.org/#/record/3157001H8N2Q741MIT70) - **How the LEI was matched:** BIC: Mapped to this BIC in the Swift and GLEIF BIC-to-LEI relationship file. - **National bank code:** [Vodeći broj 2400008](https://elucidate.co/directory/karlovacka-banka-d-d-kalchr2x#bank-codes) ## Profile - **Type:** Credit institution - **Regulation:** Prudentially supervised (ECB list) - **Register licences:** None matched by LEI in the 22 tracked registersThe tracked registers cover payment, e-money, crypto and money-service firms in 37 countries. Bank licences from national supervisors are not tracked. - **Country · region:** Croatia · Europe & Central Asia - **Banking supervision:** [Less significant · Hrvatska narodna banka](https://elucidate.co/directory/karlovacka-banka-d-d-kalchr2x#regulatory) as of 2026-07-01 - **Trading venues (MIC):** No MIC registered under this LEI list of 2026-09-17 - **OFAC sanctions:** No listing cites this BIC - **EU sanctions:** No listing matched this BIC or its LEI - **Country sanctions:** No country programme Types come from Swift’s BIC classification, the licences on the 22 tracked registers, and the ECB and FSB bank lists. Most banks outside the euro area appear as financial institutions, because their supervisors’ registers are not tracked yet. ## Ownership and group GLEIF relationship records GLEIF’s relationship records name no parent for this LEI, and no group page is published for it. ## Addresses - **Registered address:** I.G. KOVACICA 1 KARLOVAC 47000 CROATIA - **Operational address:** I. GORANA KOVACICA 1 KARLOVAC 47000 KARLOVAC CROATIA ## ISO 20022 identification As an agent in a Swift cross-border payment message (CBPR+) A CBPR+ message identifies this institution by its BIC, and may add its LEI or a clearing code. CBPR+ does not allow a name and postal address next to a BIC. - **Identified by:** BIC, with its LEI - **Roles in CBPR+:** Any agent, including the instructing and instructed agents ### CBPR+ For cross-border payments on Swift: the BIC, with the LEI and clearing code where known ```xml KALCHR2XXXX 3157001H8N2Q741MIT70 ``` ### Full record Every ISO 20022 element the directory holds. Base ISO 20022 allows them together. CBPR+ does not allow a name and address next to a BIC ```xml KALCHR2XXXX 3157001H8N2Q741MIT70 KARLOVACKA BANKA D.D KARLOVAC HR I.G. KOVACICA 1 KARLOVAC 47000 ``` The BIC, name and address are as published in Swift’s BIC directory. The LEI comes from the Swift and GLEIF BIC-to-LEI file. Check them against your own records before use. ## Payment schemes and systems EPC registers of 2026-09-11 · ECB T2 list of 2026-07-02 · ECB TIPS list of 2026-09-01 · SIX Bank Master valid on 2026-09-28 | Scheme or system | Since | Registered with | Note | | --- | --- | --- | --- | | SEPA Credit TransferISO 20022 messages | 2016-06-06 | Head office | — | | SEPA Instant Credit TransferISO 20022 messages | 2025-01-06 | Head office | — | | SEPA Direct Debit CoreISO 20022 messages | 2023-01-02 | Head office | — | | SEPA Direct Debit Business-to-BusinessISO 20022 messages | 2023-01-02 | Head office | — | | Verification of Payee | 2025-10-09 | Head office | — | | T2 (Eurosystem real-time gross settlement)ISO 20022 messages | — | Head office | — | | TIPS (TARGET Instant Payment Settlement)ISO 20022 messages | — | Head office | — | SEPA dates are when the institution became ready for the scheme. The T2 list names direct participants only and gives no joining date. TIPS entries have no joining date. An institution missing from T2 may still be reachable through an indirect participant. The ECB’s TIPS list does not separate participants from reachable parties. It includes institutions reachable in Swedish kronor as well as in euro. “ISO 20022 messages” marks a scheme or system whose rulebook or operator specifies ISO 20022 for messages between participants. ## National bank codes ### Vodeći broj · Croatia 1 code file of 2025-03-27 | Code | Routes to BIC | Name in the national file | | --- | --- | --- | | 2400008 | KALCHR2X | KARLOVAČKA BANKA d.d. Karlovac | Each code shows the name in the national file. Smaller banks often route through a central institution’s BIC. A code can therefore belong to a different bank than the one on this page. ## About From Wikidata, matched on this institution's BIC or LEI - **Headquarters:** Karlovac - **Website:** [kaba.hr ↗](https://www.kaba.hr/) - **Wikidata:** [Q102338238 ↗](https://www.wikidata.org/wiki/Q102338238) ## Related institutions ### Largest institutions 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) - [Hrvatska Narodna Banka (Croatian National Bank) BIC NBHRHR2X Financial institution Not on a tracked register Croatia · Not on a tracked register · LEI 74780000X0J87XKFIL77](https://elucidate.co/directory/hrvatska-narodna-banka-croatian-national-bank-nbhrhr2x) - [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) - [Agram Brokeri D.D. BIC AGBOHR21 Financial institution Not on a tracked register Croatia · Not on a tracked register · LEI 529900T91VSVHHZD7N54](https://elucidate.co/directory/agram-brokeri-d-d-agbohr21) [See every BIC in Croatia →](https://elucidate.co/directory/country/hr#bics) Claim this profile ## Work at Karlovacka Banka D.D? Claim this page to have it marked as verified by the bank, and to send us corrections. We verify every claim before anything changes on the page. 1. 01 **Submit** Tell us who you are, using your work email. 2. 02 **We verify** We check the email domain and confirm your role with the bank. This usually takes up to five business days. 3. 03 **Profile claimed** The page is marked as claimed and verified. You can send us corrections at any time. Sources & method Every value comes from a public source, such as Swift’s ISO 9362 BIC directory, GLEIF or the OFAC and EU sanctions lists. Most sources are matched on a BIC or an LEI, not on a name. Swift GPI membership is matched on names and is indicative. A missing sanctions match does not mean that no listing applies. Always screen against the official lists. The sanctions facts on this page cover the BIC and its LEI only. 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. [Read the methodology →](https://elucidate.co/directory/methodology) Credits for this page - **Payment schemes and systems**—Source: European Payments Council (EPC) Registers of Participants; matched to BICs by Elucidate. Source: European Central Bank, List of T2 participants. Source: European Central Bank, List of TIPS participants and reachable parties. - **Banking supervision**—Source: European Central Bank, list of supervised entities. - **Wikidata**—CC0, matched on the BIC or LEI recorded in Wikidata. It is community-edited, so check key facts. - **National bank codes**—Croatia (Source: Croatian National Bank (HNB)). - **European registers**—Source: European Central Bank (ECB), list of monetary financial institutions and list of institutions subject to minimum reserves. Matched on LEI by Elucidate. - **Images**—logos and photos from Wikimedia Commons (credited with their author and licence) or from the institution's own website, where Wikimedia has none. Elucidate keeps a copy of each; the links lead to the source and the original image. Logo: Unknown author Unknown author · Public domain · [Wikimedia Commons](https://commons.wikimedia.org/wiki/File:Karlova%C4%8Dka_banka_logo.svg) · [original](https://thumb.wikimedia.org/wikipedia/commons/thumb/1/1b/Karlova%C4%8Dka_banka_logo.svg/330px-Karlova%C4%8Dka_banka_logo.svg.png?utm_source=commons.wikimedia.org&utm_campaign=imageinfo&utm_content=thumbnail). ## Assess the financial crime risk behind a BIC A BIC identifies an institution; it does not assess it. The [Elucidate FinCrime Index (EFI)](https://elucidate.co/ratings) is an independent score of the financial crime risk of banks, built for correspondent banking and counterparty due diligence. [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.