Croatia | Aurato

Croatia
`mkt_hr`

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Croatia adopted the euro in 2023, connecting pricing and bank settlement to the euro area. Cards and SEPA services support local commerce and visitor spending, while electronic transfers complement merchant acceptance. The economy grew 3.4% in 2025 across 3.88 million residents.

Population

3.9M

GDP

$105B

GDP per Capita

$27K

GDP Growth

3.4%

Deepdive

World Bank, World Development Indicators (WDI), 2025

Cash in Croatia

Cash accounted for 55% of Croatia's transactions at physical points of sale in 2024, down from 2022 despite remaining a majority. Euro notes now serve that spending, while cards support both domestic purchases and visitor commerce.

ATMs (PER 100K)

114.1

BANKS (PER 100K)

24.3

DEBIT CARDS (PER ADULT)

1.9

CREDIT CARDS (PER ADULT)

0.5

Compare

IMF, Financial Access Survey (FAS), 2025