Non residents can often open a business account in Croatia, but the account follows a business registered in Croatia. The company is entered in the court register and obtains an OIB, all owners and beneficial owners are identity verified, and some banks expect a local presence or in person verification. Croatia uses the euro.
- Can a non resident open
- Often yes, where the business is registered in Croatia and holds an OIB. Some banks expect a local presence.
- Typical timeline
- Often a few business days for online providers, and weeks at traditional banks for complex foreign structures
- Core documents
- Court register extract and OIB, plus passports and identity for all owners and beneficial owners
- Most providers
- Multiple business accounts
General information, not financial, legal, or tax advice. Verify current terms and eligibility with the provider before applying.
What non residents can do in Croatia
The key point is that an account follows a registered Croatian business, not the residency of the owner. A non resident who registers a company in Croatia, entered in the court register with an OIB and a Croatian address, can often apply. The friction is in identity verification and, at some banks, an expectation of a local presence or a director who can attend in person. The exact position varies, so confirm with the provider. As of 18 December 2025.
Register the business first
Before a non resident can open an account, the business usually needs to be registered in Croatia. A limited company, a d.o.o., is set up through a notary, entered in the court register held by the commercial court, and obtains an OIB from the Tax Administration, the Porezna uprava, while maintaining a Croatian registered address. As of 18 December 2025, proof of registration is commonly required to open a business account. A foreign company may register a branch or set up a Croatian subsidiary. Confirm the route and requirements with the provider and a qualified adviser.
Identity and the local presence point
All owners and beneficial owners are identity verified, often with passports and proof of address, and the beneficial owners of a company are recorded in the register of beneficial owners. As of 18 December 2025, some traditional banks expect a local presence or a director who can verify identity in Croatia, while online providers may onboard remotely for a Croatian registered business. The position is unclear case by case, so verify with the provider.
What a non resident usually needs
If you are a non resident opening a business account in Croatia, prepare these items, as of 18 December 2025. Verify with the provider
- A Croatian registered business entered in the court register, with an OIB and a Croatian address.
- Passports and proof of identity and address for all owners and beneficial owners.
- Confirmation of whether the bank expects a local presence or in person identity verification.
How a non resident can proceed
- Register the Croatian business and obtain the court register entry and OIB, with a qualified adviser where the structure is complex.
- Check each provider for any local presence or in person verification condition before applying.
- Confirm current eligibility, documents and timelines with the provider, since the position varies case by case.
Compare business accounts available in Croatia
These providers serve business customers in Croatia. Eligibility for non resident owners varies by provider, so confirm your case qualifies. Fees shown as of 18 December 2025. Verify current terms with the provider before applying.
Compare business accounts →Questions about non resident accounts in Croatia
Can a non resident open a business account in Croatia?
Does the business need to be registered in Croatia?
Do non residents need to visit Croatia to open an account?
How long does approval take for a non resident?
Fees, features, and eligibility change and vary by region. This page was last reviewed on 18 December 2025. Confirm current terms with the provider before applying.