Is Open Banking available in Croatia?

Yes, Open Banking is available in Croatia under the EU's PSD2 (Payment Services Directive 2) regulation. Banks in Croatia are required to provide API access to licensed third-party providers (TPPs), enabling services like account aggregation and payment initiation.

Which banks in Croatia have Open Banking APIs?

The table above lists all banks and financial institutions in Croatia tracked by Open Banking Tracker, along with their API availability, sandbox status, and compliance information. Banks with a "Developer Portal" link offer documented APIs for third-party integration.

How do I connect to banks in Croatia?

The easiest way to connect to banks in Croatia is through an API aggregator like Plaid, Tink, TrueLayer, or other providers that offer coverage in this market. These aggregators provide a single integration point to access multiple banks. Alternatively, you can integrate directly with individual bank APIs through their developer portals.

What Open Banking regulations apply in Croatia?

Croatia falls under the EU's PSD2 regulation, which requires banks to provide secure API access to licensed AISPs (Account Information Service Providers) and PISPs (Payment Initiation Service Providers). Additional local regulations may also apply.

What is PSD2 and how does it affect Croatia?

PSD2 (Payment Services Directive 2) is EU legislation that requires banks to open their payment infrastructure to licensed third parties. In Croatia, this means banks must provide APIs for account information and payment initiation services. PSD2 also introduced Strong Customer Authentication (SCA) requirements for secure transactions.

Open Banking in Croatia

Open banking in Croatia is the ecosystem of licensed banks, third-party providers, and APIs that move account data and payments with customer consent. This country hub lists 82 institutions we index, with links to regulations, aggregators, and local context where we track it. Treat it as a map: a fast orientation before you read statutes, register as a TPP, or sign commercial agreements with a bank.

Banks

Sandboxes

API Aggregators

#Open Banking Regulations in Croatia

Regulations applicable to financial institutions operating in Croatia

PSD2Active

Payment Services Directive 2

Payment ServicesSince 2018

View details

PSD3Upcoming

Payment Services Directive 3

Payment ServicesExpected 2026

View details

FIDAUpcoming

Financial Data Access Regulation

Open FinanceExpected 2027

View details

eIDAS 2.0Upcoming

European Digital Identity Regulation

Digital IdentityExpected 2024

View details

DORAActive

Digital Operational Resilience Act

Operational ResilienceSince 2023

View details

EU Instant Payments RegulationActive

Regulation on Instant Credit Transfers in Euro

Payment ServicesSince 2024

View details

#Banks & Financial Institutions in Croatia

Looking for SWIFT / BIC codes? View SWIFT codes for banks in Croatia.

82 providers searchable

Name	APIs	View
Addiko Bank D.d.	-	View
ADDIKO BANK D.D.	-	View
Agram Banka	-	View
Agram Banka D.d.	-	View
AGRAM BROKERI D.D.	-	View
AKTIV BROKER D.O.O.	-	View
ALLIANZ B	-	View
American Express	-	View
ANTEA BROKERI D.O.O.	-	View
AUCTOR D.O.O.	-	View
Banka Kovanica D.d.	-	View
BANKA KOVANICA D.D.	-	View
BAT HRVATSKA D.O.O.	-	View
BKS Bank AG, Glavna Podruznica Hrvatska	-	View
CREDOS D.O.O.	-	View
CROATIA BANKA D.D	-	View
Croatia Banka D.d.	-	View
CROATIAN BANK FOR RECONSTRUCTION AND DEVELOPMENT /HBOR/	-	View
Croatian Bank FOR Reconstruction AND Development/hbor/	-	View
Erste AND Steiermaerkische Bank D.d.	-	View
Erste Group	-	View
Erste&Steiermärkische Bank d.d.	-	View
FIMA SECURITIES LTD	-	View
Financijska Agencija	-	View
FINANCIJSKA AGENCIJA	-	View
GREENHOUSE GASES NATIONAL REGISTRY	-	View
HITA VRIJEDNOSNICE D.D	-	View
Hrvatska Narodna Banka (croatian National Bank)	-	View
HRVATSKA NARODNA BANKA (CROATIAN NATIONAL BANK)	-	View
Hrvatska poštanska banka	-	View
Hrvatska Postanska Banka D.d.	-	View
ICAM LTD	-	View
Imex Banka Ltd.	-	View
Ina-industrija Nafte, D.d.	-	View
Intercapital Securities Ltd.	-	View
INTERCAPITAL SECURITIES LTD.	-	View
INTERNATIONAL DISCOVERY LTD	-	View
Intesa Sanpaolo	-	View
Istarska Kreditna Banka	-	View
Istarska Kreditna Banka Joint Stock Company	-	View
ISTARSKA KREDITNA BANKA JOINT STOCK COMPANY	-	View
J AND T Banka D.d.	-	View
J AND T BANKA D.D.	-	View
JADRANSKA BANKA D.D. SIBENIK	-	View
JUR-PROM MOTO D.O.O.	-	View
KARLOVACKA BANKA D.D	-	View
Karlovacka Banka D.d.	-	View
Kentbank D.d.	-	View
OTP Bank	-	View
OTP Banka D.d.	-	View
OTP BANKA D.D.	-	View
Partner Banka D.d. Zagreb	-	View
PARTNER BANKA D.D. ZAGREB	-	View
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