The best, fastest & cheapest ways to send money to Croatia

Pay attention to HRK exchange rates, as it determines how much HRK your recipient will receive.

For instance, today’s average USD to HRK rate is 7.1333 but the highest rate over the past 3 months was 6.8681 HRK/USD.

Your aim is to transfer when HRK reaches a higher value so waiting a few days could result in a better rate, hence more HRK received.

For urgent Croatian Kuna transfers, we recommend Wise. It consistently provided the best HRK rates over the past six months.

How you fund your transfer affects the cost, speed, and the amount of Croatian Kuna the recipient will receive.

The cheapest way to fund your transfer to Croatia is with a Bank transfer via Revolut, which is % cheaper than the next cheapest service.

Based on our six-month analysis of a $2,000 transfer from to Croatia, here are the top options:

• Revolut (bank transfer): Costs $0 + 0.07% markup on top of the HRK mid-market rate.

• Instarem (debit card): Costs $0 + 0% markup.

• Instarem (credit card): Costs $0 + 0% markup.

Credit card is the most expensive deposit method for Croatian Kuna transfers, so we recommend avoiding it to maximize the amount of HRK received.

Credit card transfers may result in cash advance fees and higher interest rates when sending money to Croatia.

For instance, Wise charges $51.6 for credit card deposits, while Revolut charges $0 for bank transfers.

Avoid sending HRK over the SWIFT network, as it's slower and more expensive. Instead, consider cheaper options like ACH or account balance for HRK transfers.

Money transfer companies often have minimum and maximum limits on how much HRK you can transfer.

The amount of HRK you send can impact the fees and exchange rate. Some services such as Wise may offer a better exchange rate for large HRK transfers.

There may also be government-imposed restrictions, commercial limitations, and other factors that may affect how much HRK you can send.

To ensure your money transfer to Croatia goes smoothly, especially if moving large amounts of Croatian Kuna, use our comparison tool to find the service that best fits your needs.

The speed of sending Croatian Kuna to Croatia depends on factors like the amount of HRK sent, the chosen deposit and withdrawal methods, and when you send HRK.

As a rule of thumb, faster transfers come with higher fees.

Let’s imagine you want to transfer 2,000 USD to Croatia, here are your options:

• For the fastest transfers, use PayPal - Out of 16 companies serving Croatia, PayPal appeared 34 times in our searches as the fastest service in the past 6 months.

• For bank and card deposits, use Xe - Xe provides fast and affordable HRK transfers, with fees around $0 for bank account deposits and $53.61 for debit/prepaid card deposits, with a small 0% markup on the ‘real’ HRK exchange rate.

• For credit card transfers, use Xe - Xe charges $330.4 for credit card transfers to Croatia with 0% markup. However, beware of potential cash advance fees and higher interest rates from your credit card company.

• For urgent transfers, use cash transfer services - If you need Croatian Kuna to be delivered urgently, services like Western Union, MoneyGram, or Ria Money will have it ready within minutes for collection in Croatia.

Avoid using the SWIFT network for HRK transfers, as intermediary banks slow the process. Instead, opt for faster and more cost-effective alternatives discussed above.

For HRK transfers, you have the following options:

1. Money transfer company - You can transfer money online using an FX broker (managed service) or a self-managed online company like Wise. Based on our 6-month analysis, Wise ranked as the top provider for sending money to Croatia, appearing in 28 comparisons involving HRK.

2. Mobile apps and digital wallets - Many services available in Croatia offer mobile apps, often giving transfer offers on HRK rates.

3. Cash transfers - You can send cash to Croatia through services like Ria Money, MoneyGram, or Western Union. Cash transfers are typically instant, but the recipient must visit a local agent in Croatia to collect the Croatian Kuna.

4. Wire transfers - While you can wire money to Croatia through your bank, we advise against it. Banks can charge up to $60 per transfer to Croatia and add 5% - 6% to the HRK exchange rate. Instead, use bank transfer to deposit money to Wise and send HRK from there.

There are several ways to receive money in Croatia, and choosing the right one will help the recipient get the most HRK. Mainly, these are:

• Deposit to bank account - For direct bank deposits in Croatia, we recommend Revolut, which appeared in 57.8% of HRK searches as the cheapest option for bank transfers. HRK will arrive directly to the recipient's bank account in Croatia.

• Deposit to digital or mobile wallet - HRK can be sent directly to digital wallets like PayPal, though this option often has more limitations and higher costs compared to services like Revolut. Recipients in Croatia will need to transfer it to their account, which may incur more fees.

• Cash pickup or home delivery - If the recipient needs HRK urgently or doesn't have access to a bank account in Croatia, cash pickup or door-to-door delivery is a good alternative. Be sure to check if these services are available in Croatia. This will require the recipient to visit a nearby agent in Croatia.

When making large HRK transfers or sending Croatian Kuna for cash pickup, the recipient may need the following:

• Government-Issued ID: This can be a non-expired and valid passport, driver’s license, or national ID of Croatia.

• Sender’s Details: Full name, address, and other personal information.

• Transfer Details: The amount being received in HRK.

• Transfer number: This is given at the time of transfer.

• SWIFT Code / IBAN: This may be required for bank transfers to Croatia from some countries.

*The exact documents may vary depending on the transfer method and service used.

For bank accounts, debit cards, or wallet deposits, the recipient typically doesn’t need to do anything. Croatian Kuna will arrive without their involvement.

For larger transfers, companies may request additional documents like proof of funds and address verification in compliance with Anti-Money Laundering policies.

We recommend using Wise for transferring large amounts of Croatian Kuna.

There may be tax implications and government-imposed limits on Croatian Kuna transfers.

Some Croatian Kuna transfers may be subject to gift tax, commercial tax, and other types of taxes.

Even if no immediate taxes or limits apply, larger HRK transfers may need to be reported to tax authorities in Croatia or your home country.

To be fully safe, we strongly recommend consulting with a tax professional in either Croatia or your home country to ensure compliance with relevant regulations and tax laws.