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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. Since then all transfers from the euro area to Croatia are ordinary SEPA euro payments — a BIC is no longer required, and a transfer costs the same as a domestic one.

Overview

CountryCroatia (HR)
IBAN length21 characters
FormatHRkk BBBB BBBC CCCC CCCC C
Example IBANHR12 1001 0051 8630 0016 0

Visual breakdown

Example IBAN:

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

Example IBAN for Croatia

The IBAN below illustrates the format for Croatia. It is fictitious and shown for illustration only.

HR12 1001 0051 8630 0016 0

21 characters · Format HRkk BBBB BBBC CCCC CCCC C

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Frequently asked questions

How many characters does an IBAN in Croatia have?
An IBAN in Croatia has exactly 21 characters. It consists of the country code HR, two check digits and the national account number (BBAN) with 17 characters.
How is a Croatia IBAN structured?
The IBAN in Croatia follows the format HRkk BBBB BBBC CCCC CCCC C. HR is the country code, the following two digits are the check digits, and the remaining characters encode the bank and account details. Example: HR12 1001 0051 8630 0016 0.
What happens if I enter a wrong IBAN for Croatia?
Thanks to the built-in check digits (MOD-97, ISO 7064), most typos in an IBAN are detected automatically. The bank rejects a malformed IBAN and the transfer is not executed. Always check an IBAN carefully against your records before you send a payment.

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