What is the Croatia IBAN format?

Croatia IBANs start with HR, followed by 2 check digits, then a 17-character BBAN encoding the bank code, branch code, and account number.

Croatia is a SEPA member. Transfers from other SEPA countries are fast and low-cost.

HR SEPA Member

Croatia IBAN Format

Q: How long is a Croatia IBAN?

A Croatia IBAN is 21 characters long.

21-character IBAN · EUR Euro · SEPA zone

A Croatia IBAN is 21 characters long and always begins with the country code HR, followed by two check digits. The next 7 characters are the Bank Code. The remaining 10 characters identify the individual account number. The Croatia IBAN uses the EUR (Euro) and is a <strong>SEPA member</strong>, meaning euro transfers from other SEPA countries are fast and low-cost.

Length

characters

Country Code

ISO 3166-1

Currency

EUR

Euro

SEPA

Yes

SEPA member

Example IBAN

HR12 1001 0051 8630 0016 0

HR Country

12 Check Digits

1001005 Bank Code

1863000160 Account Number

IBAN Structure

Position	Length	Field	Type	Example Value
1–2	2	Country Code	a	HR
3–4	2	Check Digits	n	12
5–11	7	Bank Code	n	1001005
12–21	10	Account Number	n	1863000160

n = numeric only (0–9) a = alphabetic only (A–Z) c = alphanumeric (0–9, A–Z)

Validate a Croatia IBAN

Paste a Croatia IBAN below to check it.

Croatia IBAN Regex Pattern

^HR\d{2}\d{7}\d{10}$

Pattern validates length, country code, check digit positions, and field character types. Does not verify the MOD-97 checksum (use the validator above for full validation).

PHP

$iban = strtoupper(str_replace(' ', '', $input));
if (!preg_match('/^HR\\d{2}\\d{7}\\d{10}$/', $iban)) {
    // Invalid Croatia IBAN format
}

JavaScript

const iban = input.replace(/\s+/g, '').toUpperCase();
const pattern = /^HR\d{2}\d{7}\d{10}$/;
if (!pattern.test(iban)) {
  // Invalid Croatia IBAN format
}

Python

import re
iban = input_str.replace(' ', '').upper()
pattern = r'^HR\d{2}\d{7}\d{10}$'
if not re.fullmatch(pattern, iban):
    # Invalid Croatia IBAN format

These snippets check format only. For full IBAN validation including MOD-97 checksum, use a dedicated IBAN library or the validator on this page.

How to Find Your Croatia IBAN

Croatia accounts are traditionally identified using: Bank Code (7n) + Account Number (10n). Your IBAN encodes these same components in the standardised international format.

1
Mobile banking app — Open your bank's app, navigate to account details or "Account Info." Your IBAN is usually displayed alongside your account number. Look for a field labelled "IBAN" or "International Account Number."
2
Bank statement — Your Croatia IBAN appears in the account header of your printed or PDF bank statement, typically near the top of the first page.
3
Online banking — Log in to your bank's website and go to "Account Details," "Account Summary," or "Profile." Most Croatia banks display the IBAN prominently in account settings.
4
Bank branch or helpline — Call your bank's customer service or visit a branch with your ID. They can provide your full IBAN instantly.

Once you have your IBAN, use the validator above to confirm it is correctly formatted before sharing it.

Sending Money to Croatia

Croatia is a SEPA member. From any other SEPA country, you only need the recipient's IBAN — no BIC/SWIFT required. Transfers settle within 1 business day (or instantly via SEPA Instant Credit Transfer). Fees cannot exceed what your bank charges for a domestic payment.

What to provide

Recipient's full name
IBAN (21 characters, starts with HR)

Typical transfer time

0–1 day

SEPA Credit Transfer (1 day) or SEPA Instant (<10 seconds if both banks support it)

Croatia joined the EU in 2013, adopted the Euro in January 2023, and became a full SEPA member in January 2023. IBAN alone is sufficient for SEPA euro transfers. Prior to 2023, Croatia used the HRK (kuna).

Compare transfer services for Croatia

Specialist services typically charge significantly less than high-street banks for international transfers.

Wise — Low fees, real exchange rate ↗ Revolut — Fast transfers ↗

Central Bank

Croatian National Bank

https://www.hnb.hr ↗

← Costa Rica Cyprus →

Quick Facts

IBAN Length: 21 chars
Country Code: HR
Currency: EUR
SEPA: Yes
BBAN Format: 17n
IBAN Required: mandatory
Adopted: 2010