Startups in Croatia, usually a registered d.o.o. or j.d.o.o., tend to want fast onboarding, expense cards for a small team, spending controls, and low cost handling of more than one currency. Revolut Business suits online onboarding and team controls, Wise Business suits multi currency funding and spending, and a domestic bank such as Erste Bank suits euro settlement and lending.
Suits Startups best
Depends on needs. Revolut Business for team controls, Wise Business for multi currency.
Typical monthly fee
Free entry plans at digital providers up to a monthly bank package
Non resident position
A non resident founder can open through a Croatian registered company; domestic banks usually expect the OIB and an in person visit, while Wise and Revolut may onboard remotely subject to checks. As of 4 October 2025.
Providers that fit
Three covered below
Fees and features as of 4 October 2025Last reviewed 4 October 2025
General information, not financial, legal, or tax advice. Verify current terms and eligibility with the provider before applying.
Startups in Croatia want to open quickly, give a small team cards with spending controls, and keep costs low while they grow, often handling funding or spending in more than one currency. Revolut Business offers online onboarding, expense cards, and a free entry plan, Wise Business helps hold and convert several currencies near the mid market rate, and a domestic bank such as Erste Bank suits euro settlement, cash, and local lending. Croatia uses the euro. Figures shown as of 4 October 2025. Confirm current terms with the provider.
What Startups in Croatia need from a business account
Startups value fast onboarding, expense cards for founders and early staff, and clear spending controls, with low fixed costs while revenue is small. Many raise funds or pay remote contractors and software vendors abroad, so multi currency handling and predictable transfer costs matter. A registered company such as a d.o.o. or j.d.o.o. can open a business account once it has an OIB and is in the court register. Cash service is rarely a priority, while online access and integrations usually are.
R
Revolut Business
Online onboarding, a free entry plan, expense cards, and spending controls for a small team. Plan allowances and per item fees vary, so match the plan to your volume.
Best for
Team cards and spending controls
Monthly fee
Free plan and paid plans, fees by plan and usage (4 October 2025)
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
Multi currency funding and spending
Monthly fee
No fixed monthly fee, a one off fee to activate local account details, per transfer fees apply (4 October 2025)
A domestic Croatian bank, part of the Erste group, offering euro business current accounts for a company, branch service, cash handling, and local lending within a monthly priced package.
Best for
Euro settlement, cash, and local lending
Monthly fee
Monthly package fee, varies by account tier (4 October 2025)
It depends on how the startup operates. Revolut Business suits a team that wants online onboarding, expense cards, and spending controls, Wise Business suits raising or spending in several currencies near the mid market rate, and a domestic bank such as Erste Bank suits euro settlement, lending, and local service. Compare the features you use and verify current terms with the provider. This is general information, not advice.
Can a Croatian d.o.o. open a business account online?
Digital providers such as Wise Business and Revolut Business may onboard a registered Croatian company online subject to their checks, once the company has an OIB and is entered in the court register. Domestic banks usually expect a director to attend a branch in person. Requirements vary, so confirm the current process with the provider, as of 4 October 2025.
Do startups in Croatia need a multi currency account?
Not always, but startups that raise funds, pay remote contractors, or sell abroad often receive and spend in more than one currency. A multi currency account from Wise Business or Revolut Business lets them hold and convert currencies in one place. If the startup works only in euro, a euro account may be enough. As of 4 October 2025, verify with the provider.
Is there a free business account for a startup in Croatia?
Revolut Business offers a free entry plan and Wise Business charges no fixed monthly fee, though per item transfers and currency conversion still apply. Domestic bank packages usually carry a monthly fee. A free plan can still cost more once usage is counted, so compare on total cost. As of 4 October 2025, confirm current pricing with the provider.
Fees, features, and eligibility change and vary by region. This page was last reviewed on 4 October 2025. Confirm current terms with the provider before applying.