How to open a business bank account in Croatia: steps and documents

Snapshot

To open a business account in Croatia you generally need a Croatian OIB tax number, proof the business is registered, owner and director identification, and the corporate or obrt documents. Domestic banks apply strict checks and usually expect a director in person, while digital providers may onboard remotely subject to their own verification.

Tax number: OIB required
In person visit: Usually yes at domestic banks
Digital onboarding: Possible via Wise Business and Revolut Business
Account currency: Euro (EUR)

Requirements as of 15 September 2025Last reviewed 15 September 2025

General information, not financial, legal, or tax advice. Verify current terms and eligibility with the provider before applying.

As of 15 September 2025, opening a business bank account in Croatia starts with a Croatian OIB tax number for the founders and directors and proof that the business is registered, whether an obrt or a company such as a d.o.o. Domestic banks such as Zagrebacka banka, Privredna banka Zagreb, and Erste Bank apply strict know your customer and anti money laundering checks and usually expect at least one director to attend a branch with identity and corporate documents. Digital providers such as Wise Business and Revolut Business may onboard remotely subject to their own checks. Croatia uses the euro. Confirm the exact list with the provider before applying.

Steps to open a business account in Croatia

The path depends on whether you use a domestic bank or a digital provider, but the building blocks are similar. First, the business must exist on paper, which means a registered obrt for a sole trader or a registered company such as a d.o.o. or j.d.o.o. entered in the court register. Second, the founders and directors need a Croatian OIB tax number, issued by the Tax Administration. Third, the bank runs identity, ownership, and source of funds checks before opening the account. As of 15 September 2025, domestic banks generally expect a director to attend in person, while Wise Business and Revolut Business may complete onboarding online subject to verification. Requirements vary by provider, so confirm the current list before you apply.

Get the OIB and register the business

The OIB is the personal identification number used to bank and pay tax in Croatia, and founders usually obtain it before opening an account. A foreign founder can apply with a valid passport and documentation showing the purpose, such as company formation papers. The business itself must be registered, as an obrt or as a company in the court register, before the account can be opened in its name.

Prepare documents and complete checks

Banks typically ask for the registration extract, the OIB for the business and its directors, identification for owners and directors, and details of beneficial owners holding more than a set share. Croatian banks apply strict know your customer and anti money laundering procedures, so foreign founders should prepare documents in advance and expect questions about the source of funds.

What you typically need

Most providers in Croatia ask for some version of the following, as of 15 September 2025. Verify with the provider

A Croatian OIB tax number for the business and for the founders and directors.
Proof that the business is registered, such as a court register extract for a company or registration for an obrt.
Identification for owners and directors, plus details of beneficial owners above a set ownership share.

How to open the account

Register the business and obtain the OIB for the business and its directors.
Choose between a domestic bank, which usually needs an in person visit, and a digital provider that may onboard online.
Confirm the exact document list and current process with the provider, then complete the identity and source of funds checks.

Compare business accounts available in Croatia

These providers serve business customers in Croatia. Fees and eligibility shown as of 15 September 2025. Confirm current terms with the provider before applying.

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Questions about opening a business account in Croatia

What do I need to open a business bank account in Croatia?

You generally need a Croatian OIB tax number, proof that the business is registered, identification for the owners and directors, and the corporate or obrt documents. Domestic banks apply strict know your customer and anti money laundering checks and usually expect at least one director to attend in person. Requirements vary by bank, so confirm the list with the bank, as of 15 September 2025.

Do I need an OIB to open a business account in Croatia?

Yes. The OIB, or personal identification number, is issued by the Croatian Tax Administration and is needed to register a business, bank, and pay tax in Croatia. Founders and directors usually obtain an OIB before opening an account. Foreign founders can apply with a valid passport and documentation showing the purpose. Confirm the current process, as of 15 September 2025.

Can a non resident open a business account in Croatia?

A non resident can open a business account through a Croatian registered obrt or company, but domestic banks usually expect the OIB and an in person visit by a director, with full identity and source of funds checks. Digital providers such as Wise Business and Revolut Business may onboard remotely subject to their own checks. Verify the current position with the provider, as of 15 September 2025.

How long does it take to open a business account in Croatia?

It varies. A domestic bank account can take from a few days to a few weeks once the company or obrt is registered and the documents and OIB are ready, depending on the bank and the checks. Digital onboarding can be faster but is still subject to verification. Timing is not guaranteed, so confirm with the provider, as of 15 September 2025.

Fees, features, and eligibility change and vary by region. This page was last reviewed on 15 September 2025. Confirm current terms with the provider before applying.