Multi currency business accounts in Croatia: how they work

Snapshot

A multi currency business account lets a Croatian business hold and convert several currencies in one place, useful when clients or suppliers pay in currencies other than the euro. Wise Business and Revolut Business are built for this, while domestic banks can open foreign currency accounts alongside a euro account.

Base currency: Euro (EUR)
Built for multi currency: Wise Business, Revolut Business
Domestic option: Foreign currency accounts at domestic banks
Main cost: Currency conversion fee and margin

Fees and features as of 3 December 2025Last reviewed 3 December 2025

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

As of 3 December 2025, a Croatian business that deals in more than one currency can use a multi currency account to hold and convert balances without opening a separate account for each currency. Croatia uses the euro as its base currency. Wise Business offers local account details in several currencies and conversion near the mid market rate, and Revolut Business holds and exchanges multiple currencies within its plans, with an allowance on some tiers. Domestic banks such as Zagrebacka banka, Privredna banka Zagreb, and Erste Bank can open foreign currency accounts. Conversion cost is the main thing to compare. Confirm current terms with the provider.

How multi currency accounts work in Croatia

A multi currency account holds balances in several currencies at once, so money received in one currency can sit in that currency until you choose to convert it. This avoids forced conversion on every incoming payment and lets a business time conversions or pay a supplier in their own currency. Since Croatia adopted the euro on 1 January 2023, the euro is the base currency, and a multi currency account adds others such as the US dollar or pound sterling on top. As of 3 December 2025, Wise Business provides local account details in several currencies and converts near the mid market rate with a stated fee, while Revolut Business holds and exchanges currencies within its plans, with a conversion allowance on some tiers and a fee or margin beyond it. Domestic banks can open separate foreign currency accounts. Currencies covered and costs vary, so confirm with the provider.

Holding versus converting

The value of a multi currency account is the ability to hold a currency rather than convert it immediately. A business that both receives and pays in the same foreign currency can net those flows and avoid converting twice, which saves on the spread each way.

What conversion really costs

Conversion cost is the explicit fee plus the margin added to the exchange rate. A low fee with a wide margin can cost more than a slightly higher fee at the mid market rate. Compare the total cost for the amounts you actually convert, and check any plan allowance and weekend or out of hours margins.

What to check before choosing

Before picking a multi currency account in Croatia, weigh the following, as of 3 December 2025. Verify with the provider

Which currencies you can hold and receive with local account details, and whether they match your clients and suppliers.
The conversion fee and the exchange rate margin, including any plan allowance and weekend pricing.
Whether you also need deposit protection or cash handling, which generally points to a domestic bank account alongside.

How to compare multi currency accounts

List the currencies you receive and pay in, and check each provider supports them with local details.
Compare the conversion fee and margin for your typical amounts, not just the headline rate.
Confirm current currencies, allowances, and costs with the provider before you apply.

Compare business accounts available in Croatia

These providers serve business customers in Croatia, including multi currency options. Fees and eligibility shown as of 3 December 2025. Confirm current terms with the provider before applying.

Compare business accounts →

Questions about multi currency accounts in Croatia

Can a business in Croatia hold several currencies?

Yes. Croatia uses the euro, and multi currency providers such as Wise Business and Revolut Business let a business hold and convert several currencies in one account. Domestic banks can also offer foreign currency accounts. The currencies covered and conversion costs vary by provider and plan, so confirm current terms with the provider, as of 3 December 2025.

Which providers offer a multi currency business account in Croatia?

Wise Business offers a multi currency account with local account details in several currencies and conversion near the mid market rate, and Revolut Business holds and exchanges multiple currencies within its plans. Domestic Croatian banks can open foreign currency accounts alongside a euro account. The exact currencies and costs vary, so verify with the provider, as of 3 December 2025.

How much does currency conversion cost in Croatia?

Conversion cost is the fee plus the margin added to the exchange rate. Wise Business converts near the mid market rate with a stated fee, while Revolut Business gives an allowance on some plans and a fee or weekend margin beyond it. Domestic banks set their own spread. Compare the total cost for the amounts you convert, not just the headline fee. As of 3 December 2025, confirm with the provider.

Is Wise Business or Revolut Business a bank in Croatia?

Both operate as electronic money institutions rather than licensed banks, so funds are safeguarded rather than covered by deposit insurance, and they do not generally handle cash deposits. They suit holding and moving currencies at low cost. For deposit protection or cash service you may want a domestic bank account as well. Verify the current setup with the provider, as of 3 December 2025.

Fees, features, and eligibility change and vary by region. This page was last reviewed on 3 December 2025. Confirm current terms with the provider before applying.