Freelancers and sole traders in Croatia, those running an obrt or working through a paušalni obrt, usually want a low cost euro account that separates business income, with a card and simple online access. Wise Business suits those with foreign clients, Revolut Business offers online onboarding and a free entry plan, and a domestic bank such as Erste Bank covers cash and local needs.
Suits Freelancers and Sole Traders best
Depends on needs. Wise Business suits foreign clients, while Revolut Business suits a low cost online account.
Typical monthly fee
No fixed monthly fee on digital entry tiers up to a monthly bank package
Non resident position
A non resident can open through a Croatian registered obrt or company; domestic banks usually expect the OIB tax number and an in person visit, while Wise and Revolut may onboard remotely subject to checks. As of 15 June 2026.
Providers that fit
Three covered below
Fees and features as of 15 June 2026Last reviewed 15 June 2026
General information, not financial, legal, or tax advice. Verify current terms and eligibility with the provider before applying.
Freelancers and sole traders in Croatia keep business and personal money apart, send invoices, and take card payments, usually at low cost. Many work with foreign clients and handle little cash. Wise Business helps with foreign clients near the mid market rate, Revolut Business adds online onboarding and a free entry plan, and a domestic bank such as Erste Bank suits euro settlement, cash, and local service. Croatia uses the euro. Figures shown as of 15 June 2026. Confirm current terms with the provider.
What Freelancers and Sole Traders in Croatia need from a business account
Freelancers and sole traders want to keep business and personal money apart, send invoices, and accept card payments, usually at low cost. A registered obrt can open a business account, and many freelancers value multi currency handling when clients pay from abroad. Cash services are rarely a priority, while clean online access and a card usually are.
W
Wise Business
Multi currency account near the mid market exchange rate, with local account details in several currencies and linked cards. Wise is an electronic money institution rather than a licensed bank, so it does not handle cash deposits.
Best for
Foreign clients and multi currency holding
Monthly fee
No fixed monthly fee, a one off fee to activate local account details, per transfer fees apply (15 June 2026)
A domestic Croatian bank, part of the Erste group, offering euro business current accounts for an obrt or company, branch service, cash handling, and local lending within a monthly priced package.
Best for
Branch service, cash, and local needs
Monthly fee
Monthly package fee, varies by account tier (15 June 2026)
Compare accounts for Freelancers and Sole Traders in Croatia
These providers serve Freelancers and Sole Traders in Croatia. Fees and eligibility shown as of 15 June 2026. Confirm current terms with the provider before applying.
Questions about banking for Freelancers and Sole Traders in Croatia
Which account suits a freelancer in Croatia?
It depends on how you work. Wise Business suits freelancers with foreign clients, Revolut Business offers a low cost online account with a card, and a domestic bank such as Erste Bank suits cash and local service. Compare the features you use and verify current terms with the provider. This is general information, not advice.
Is there a free business account for the self employed in Croatia?
Digital providers offer entry tiers with no fixed monthly fee. Revolut Business has a free plan and Wise Business has no fixed monthly fee, though per item and conversion fees apply, as of 15 June 2026. Domestic bank packages usually carry a monthly fee. Check current pricing with the provider before applying.
Do freelancers in Croatia need a separate business account?
A registered obrt generally operates through a business account, and keeping business and personal money apart simplifies bookkeeping and tax. The rules depend on your registration and tax status, so confirm what applies to your situation with a qualified adviser and the provider. This is general information, not advice.
Can a freelancer hold foreign currencies in Croatia?
Yes. Croatia uses the euro, and multi currency providers such as Wise Business and Revolut Business let a freelancer hold and convert several currencies, which helps when clients pay from abroad. Currencies covered and conversion costs vary by provider and plan, so verify current terms. As of 15 June 2026.
Fees, features, and eligibility change and vary by region. This page was last reviewed on 15 June 2026. Confirm current terms with the provider before applying.