Open Banking in Croatia

Live (Regulated)

Croatia implements open banking through PSD2 with Hrvatska narodna banka oversight, further enhanced by its 2023 eurozone accession.

Key Facts

Approach

Regulated

Regulatory Body

Hrvatska narodna banka (HNB)

Key Legislation

PSD2 / Zakon o platnom prometu

Topics

Open Banking

Internet Penetration

84%

Data Scope

Payment accounts, Account information, Payment initiation, Confirmation of funds

Timeline

2015PSD2 adopted by the European Parliament and Council

2018PSD2 transposed into Croatian law; HNB oversees compliance

2023Croatia joins the eurozone, further integrating its payment infrastructure with EU standards

Standards & Specifications

Berlin Group NextGenPSD21.3.12

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Open Finance in Croatia

Croatia transposed PSD2 through the Zakon o platnom prometu, with the Hrvatska narodna banka (HNB) overseeing compliance. Croatian banks including Zagrebačka banka, Privredna banka Zagreb, and Erste & Steiermärkische Bank have implemented open banking APIs.

Croatia's 2023 accession to the eurozone represents a significant milestone for its financial integration with the EU, streamlining cross-border payment services. The Croatian banking sector is largely foreign-owned, with Austrian and Italian parent banks bringing open banking experience from their home markets.

Zagreb's growing technology sector supports fintech development, with emerging companies leveraging PSD2 APIs for payment and financial data services.

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Related Resources

Open Banking in Europe Compare Croatia with other countries EU Data Act Compliance

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