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IBAN Structure Croatia

Last reviewed: · Source: ISO 13616 / SWIFT IBAN Registry

Croatia's IBAN has 21 characters in the format HRkk BBBB BBBC CCCC CCCC C. After HR and two check digits come a 7-digit bank code (VBDI, assigned by the Croatian National Bank) and the 10-digit account number. When Croatia joined the euro area on 1 January 2023, the euro replaced the kuna as the national currency. For payments from EU/EEA banks to Croatia, required routing details depend on the bank, currency and route; check them in advance with your bank.

Structural fields are based on the official SWIFT IBAN Registry. The editorial method and validation boundary are documented on our German editorial page (German).

Overview

CountryCroatia (HR)
IBAN length21 characters
FormatHRkk BBBB BBBC CCCC CCCC C

Visual breakdown

Fictitious format example, not payment data:

HR1210010051863000160
Country codeCheck digitsBank codeAccount number

Character-by-character explanation

SegmentCharactersLengthExplanation
Country codeHR2HR for Croatia (ISO 3166-1)
Check digits122Two check digits per MOD-97
Bank code100100577-digit Croatian bank code (VBDI)
Account number18630001601010-digit account number

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Frequently asked questions

How do I check the length of an IBAN from Croatia?
Remove spaces and count 21 characters. The first two characters are HR; the remaining positions follow HRkk BBBB BBBC CCCC CCCC C. A different length is formally invalid for this country format.
What do the check digits in a Croatia IBAN mean?
The two check digits are calculated from the complete IBAN using ISO 7064 MOD-97. They help detect format and transcription errors. A passing checksum does not confirm that an account exists or identify its account holder.
What should I do when an IBAN is formally invalid?
Check the country code, character count, letters and digits, and the check digits. Compare the entry with your bank records or ask the bank for the correct IBAN. This checker validates structure and checksum; it does not verify account ownership or payment approval.

IBAN structure for other countries

Germany

22 characters · DEkk BBBB BBBB CCCC CCCC CC

Austria

20 characters · ATkk BBBB BCCC CCCC CCCC

Switzerland

21 characters · CHkk BBBB BCCC CCCC CCCC C

Liechtenstein

21 characters · LIkk BBBB BCCC CCCC CCCC C

France

27 characters · FRkk BBBB BGGG GGCC CCCC CCCC CKK

Spain

24 characters · ESkk BBBB GGGG KKCC CCCC CCCC

Italy

27 characters · ITkk XBBB BBGG GGGC CCCC CCCC CCC

Portugal

25 characters · PTkk BBBB SSSS CCCC CCCC CCCK K