Home Send Money From Bosnia and Herzegovina to Croatia

Sending money to Croatia from Bosnia and Herzegovina

Bosnia and Herzegovina
Top Provider
Amount Received
By Bank Transfer
Fees: BAM 15.00
Rate: 3.85948 *
Payment Options
Bank Transfer
2 Days
Debit Card
2 Days
Key Features
Fast and Reliable Service
Low Cost
Amount Received
By Bank Transfer
Fees: BAM 40.00
Rate: 3.81818 *
Payment Options
Bank Transfer
1-2 Hours
Key Features
Current Mid-Market Rate: 1 BAM = 3.859479 HRK
* Some rates may be indicative.


Despite the country’s geographical location in Europe and its status as a member of the European Union, as it stands, the official currency of Croatia is the HRK. Although Croatia joined the EU in 2013, it has not yet adopted the Euro as its legal tender.

However, in 2020 the European Central Bank revealed Croatia has activated the Exchange Rate Mechanism (ERM 2) in one of the final steps taken before the Euro is officially introduced as its national currency. Reports indicate this currency overhaul could take place as soon as January 2023, with a central exchange rate of 7.53450 HRK to the Euro. MoneyTransfers.com will provide updates as this currency transition develops. 

Choosing the best service provider

Once Croatia has rolled out the Euro, money transfers will be more accessible, due to the popularity of EUR. However, until then, it is important to scope out the best service provider offering a favourable rate of exchange for BAM to HRK. 

When considering how to send money Croatia from Bosnia and Herzegovina there are some key aspects of the transfer to consider. 

The fastest provider is VertoFX , transfers from this provider normally take 1 – 3 days. The cheapest provider we found is Instarem at 1.0E-5% Above Mid-Market Rate.

If you’re looking for the best combination of price, speed, and reliability we recommend using Instarem when transferring BAM to HRK.

This means that by using Instarem for online money transfers to Croatia from Bosnia and Herzegovina, you are likely to save on transfer fees and benefit from fast speeds – so your recipient will get more money and have it delivered in less time.

Alternatively, if you are unable to access Instarem for any reason, our comparison engine has found VertoFX also to be very good options when sending BAM – HRK.

This recommendation was updated one minute ago.

The cheapest way to send money from Bosnia and Herzegovina to Croatia

In order to avoid high fees, you should consider the cheapest way to send from Bosnia and Herzegovina to Croatia.  

Instarem has been determined by our comparison engine to be currently offering you the cheapest rates possible.

Get the Best Rate and Sign Up for Rate Alerts Bosnia and Herzegovina to Croatia

The fastest way to send money from Bosnia and Herzegovina to Croatia

When sending money from Bosnia and Herzegovina to Croatia, speed is one of the biggest factors you need to consider in terms of the service offered by different money transfer providers. Currently, VertoFX is the fastest way to send BAM – HRK.

What payment methods are available when sending money from Bosnia and Herzegovina to Croatia?

Most money transfer providers allow you to deposit and send money using various payment methods, but not all providers offer every option. Typically you’ll find the most common methods are bank transfers and card payments, but many providers also accept cash and some will even deliver funds straight to your recipient’s door.

Sending money to Croatia from Bosnia and Herzegovina using credit card

To avoid high fees you can opt to use an online money transfer provider such as to pay for your transfer to Croatia.

Sending money to Croatia from Bosnia and Herzegovina using a debit card

With Instarem you can send money online to Croatia using your debit card. But before making a payment, make sure you understand all the processing fees in place. 

Using a wire transfer to send money from Bosnia and Herzegovina to Croatia

Bank and wire transfers are the most common ways of sending money Croatia as they are secure, reliable, and convenient. However, they often come with the slowest delivery times in case speed is an important factor for you. You can use Instarem to send money using a bank or wire transfer at a great rate as long as you’re happy for your transfer to take 1-2 days.

If you want to make an international transfer using wire transfer, you will need to know the SWIFT/BIC code of your recipient in Croatia. If you’re unsure what it is, check out our SWIFT calculator to figure out the correct SWIFT code in Croatia.

When sending money to Croatia from Bosnia and Herzegovina using bank account transfer you are paying for the outgoing fees, flat fees, currency exchange rate markup, and sometimes an additional incoming transfer fee.

On the other hand, you usually only pay a sender fee and a small exchange rate markup when using online money transfer services such as Instarem and VertoFX .

Considerations for a BAM – HRK Currency Transfer

Before sending money to Croatia from Bosnia and Herzegovina, you should consider the following:

  1. The amount you want to transfer: It is likely that the more money you send to Croatia the more value you will get and more HRK the recipient will receive. This is because any flat fee charged ends up as a smaller percentage of your transfer amount, and also because many providers allow you to negotiate a better exchange rate margin if sending large amounts.
  2. The BAM – HRK exchange rate margin: Money transfer providers charge a small percentage on top of the mid-market exchange rates in order to generate revenue. Current mid market rate is 3.859479 and the lowest exchange rate margin is currently offered by Instarem at 1.0E-5% above the mid market rate.
  3. Hidden fees & charges: Before sending money to Croatia, make sure the provider you are using doesn’t charge any hidden fees. Our reviews of the top ranked providers Instarem, VertoFX and will give insight here.

How to send money from Bosnia and Herzegovina to Croatia at the best rate?

This one’s easy. Simply use our comparison table above to find the best provider to send BAM to HRK. Furthermore, once you have found a favourable exchange rate, be sure to compare this to the rates published by the Croatian National Bank (HNB); this information can be found here.

After that it’s just a process of making your transfer via the following steps:

  1. Click “Visit Site” inside our comparison table
  2. Register for an account if required
  3. Input how much you are willing to send
  4. Fund your transfer
  5. Receive & save an email confirming your transfer

How to receive transfers from BAM to HRK in Croatia?

Your recipient has a few methods available to receive your money in Croatia. These will vary between providers, but it is possible to find services that will:

If your recipient is going to collect or have the money delivered to them in Croatia, then they will usually need the following:

How much money can be transferred from Bosnia and Herzegovina to Croatia?

HANFA, Croatia‘s financial services supervisory agency, is the leading authority body overseeing all financial activity coming in and out of the country. Established in 2005, HANFA is composed of three existing supervisory institutions: the Croatian Securities Commission, the Agency for Supervision of Pension Funds and Insurance and the Insurance Companies Supervisory Authority. It is HANFA’s responsibility to regulate money deposited into Croatian bank accounts from Bosnia and Herzegovina.

However, the amount of HRK you can receive from Bosnia and Herzegovina will largely depend on the money transfer service you are using. There are providers that specialise in smaller remittance payments, and providers who specialise in larger transfers. 

You should also check if there are any government regulations pertaining to the amount of HRK that can be received in Croatia or sent from Bosnia and Herzegovina before making your transfer.

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