Croatia IBAN Format (HR) — Structure, Length & Validator

The Croatian IBAN is a compact 21-character format used for all electronic bank transfers within Croatia and across the SEPA zone. Croatia joined the eurozone in January 2023, replacing the Croatian kuna (HRK) with the euro, making Croatian IBANs a standard fixture in SEPA payment flows across the EU.

Croatian IBAN at a Glance

• Country code: HR
• Total length: 21 characters (always)
• Format: HRkk bbbbbbb cccccccccc
• BBAN length: 17 digits
• Currency: Euro (EUR) — Croatia joined the eurozone on 1 January 2023
• SEPA member: Yes

Croatian IBAN Structure Explained

A Croatian IBAN has three BBAN components within its 21-character body:

1. Country Code — HR (2 characters)

The ISO 3166-1 alpha-2 code for Croatia (Hrvatska). Every Croatian IBAN begins with HR.

2. Check Digits — kk (2 digits)

Two decimal digits computed via the MOD-97 algorithm over the entire BBAN. They detect single-character substitutions and transpositions.

3. Bank Code — bbbbbbb (7 digits)

A 7-digit code assigned by Hrvatska narodna banka (HNB, the Croatian National Bank) that identifies the specific bank and branch. Common codes:

• 1001005 — Zagrebačka banka (Zaba)
• 2340009 — Privredna banka Zagreb (PBZ)
• 2360000— Erste & Steiermärkische Bank (Erste Bank Croatia)
• 2484008 — OTP banka Hrvatska

4. Account Number — cccccccccc (10 digits)

The 10-digit account number identifying the individual account. If the original number has fewer than 10 digits, it is left-padded with zeros.

Real Croatian IBAN Example

HR12 1001 0051 8630 0016 0

• Country: HR
• Check digits: 12
• Bank code: 1001005 (Zagrebačka banka)
• Account number: 1863000160

Electronic format: HR1210010051863000160

How Croatian IBAN Validation Works

1. Country code: First two characters must be HR.
2. Length: Exactly 21 characters after removing spaces.
3. Character types: All characters after HR are decimal digits — Croatian IBANs contain no letters in the BBAN.
4. MOD-97: Move the first four characters to the end, convert letters to numbers (A=10…Z=35), compute modulo 97. The result must equal 1.

The ibanchecker.cash validator performs all four checks and decodes the bank code and account number for any Croatian IBAN.

Croatia's Euro Adoption and SEPA

Croatia adopted the euro on 1 January 2023, becoming the 20th eurozone member. All Croatian IBANs — including those issued before the currency changeover — work natively in SEPA payments. For SEPA Credit Transfers within the SEPA zone, the IBAN alone is sufficient; no BIC is required. For international transfers outside SEPA, the bank's BIC/SWIFT code must accompany the IBAN. Look up any Croatian bank's BIC with the ibanchecker.cash SWIFT directory.

Common Croatian IBAN Mistakes

Using the Pre-Euro Kuna-Denominated Formatting

Before 2023, Croatian accounts were denominated in kuna (HRK). Account numbers did not change when the euro was adopted — the same IBAN format (HR + 19 digits) is used with euros. Do not create a new IBAN; the existing 21-character HR IBAN is still valid.

Wrong Length (21 vs. 22)

Croatian IBANs are 21 characters, while German IBANs (DE) are 22 characters. Systems that only recognise 22-character IBANs will incorrectly reject valid Croatian IBANs. Always validate length against the country-specific specification.

Validating Croatian IBANs in Bulk

Businesses with Croatian suppliers or employees can validate multiple IBANs at once using the ibanchecker.cash bulk checker. Upload a CSV or paste up to 100 IBANs and get instant validation results, bank names, and BIC codes.

Last updated: June 2026