Croatia IBAN at a Glance
| Country | Croatia (HR) |
| Length | 21 characters |
| Structure (after HR + check digits) | 7n bank, 10n account |
| Example IBAN | HR12 1001 0051 8630 0016 0 |
| SEPA member | Yes |
The example above is the published ISO registry sample for Croatia. It passes checksum validation but is not a real account.
How to Read a Croatia IBAN
Every IBAN starts the same way: the first two letters are the country code (HR) and the next two digits are the mod-97 check digits, computed over the entire number. What follows is Croatia's domestic account format: 7n bank, 10n account.
For an international transfer to Croatia you will typically need this IBAN plus the bank's SWIFT/BIC code. You can browse every SWIFT code in Croatia for free. Timing matters too: transfers do not settle on Croatia bank holidays, so check the calendar before sending anything urgent.
Frequently Asked Questions
How long is a Croatia IBAN?
Croatia IBANs are exactly 21 characters long, starting with HR followed by 2 check digits.
Is Croatia part of SEPA?
Yes, Croatia participates in SEPA (Single Euro Payments Area), so euro transfers to and from other SEPA countries are fast and low-cost.
Can I validate a Croatia IBAN without sending it anywhere?
Yes, use the checker above. Validation runs in your browser using the ISO 7064 mod-97 algorithm, the IBAN never leaves your device.
What is the structure of a Croatia IBAN?
After the country code and check digits, a Croatia IBAN contains: 7n bank, 10n account.