Compare Savings Accounts in Croatia

Live offers

18 live offers compared from 7 providers, from €0. Updated daily.

What is a savings account in Croatia?

A savings account (štedni račun) holds money you do not need for daily spending and pays interest while keeping funds accessible. In Croatia, savings are held in euros since the 2023 currency changeover, and accounts range from instant-access a vista savings to notice-based products. They sit between a current account, which pays little or no interest, and a fixed-term deposit, which locks money away for a higher rate.

How the Croatian market works

The large banks dominate savings, competing on interest rates, minimum balances and flexibility. Instant-access savings offer modest rates with full liquidity, while some banks reward higher balances or regular saving with better terms. Rates broadly track the European Central Bank's policy stance, so they have risen from the near-zero levels of the mid-2010s. Savings can usually be opened and managed through internet and mobile banking alongside an existing current account.

Benefits

Interest with access — Instant-access savings earn a return while letting you withdraw when needed.

Separation of funds — Keeping savings apart from your current account helps budgeting and goal-based saving.

Deposit protection — Balances are covered by the national guarantee up to 100,000 euros per bank.

Digital management — Opening and topping up is typically handled in the banking app.

How to choose

Compare the interest rate but check whether it is variable and how it is tiered by balance. Confirm whether access is instant or subject to notice, and whether there are limits on free withdrawals. Look at any minimum opening or ongoing balance requirements, and note whether the rate is promotional and reverts lower after a period. If you can lock money away, a fixed deposit may pay more.

Leading providers in Croatia

Erste Bank Croatia, Privredna banka Zagreb and Zagrebačka banka all offer a range of savings products, as do OTP banka, Raiffeisenbank (RBA), Addiko Bank and Hrvatska poštanska banka (HPB). Rates and conditions differ, and banks periodically run promotional savings campaigns, so comparing current offers across several institutions is worthwhile before committing your money.

What it costs

Savings accounts generally carry no monthly fee, but the real considerations are the interest rate earned and any conditions attached. Variable rates can change with ECB policy, and promotional rates may drop after an intro period. Tiered accounts can pay less on small balances, and early access to notice-based savings may forfeit interest. Interest earned may be subject to tax, so factor in the net return.

Protections and regulation

Savings are held at banks supervised by the Croatian National Bank (HNB) and are protected by the State Agency for Deposit Insurance up to 100,000 euros per depositor per bank under EU rules. Banks must disclose the interest rate, terms and any fees clearly. Consumers can complain to their bank or escalate to the HNB, and standardised pre-contract information helps compare products fairly.

Common questions

Can I withdraw anytime? — Instant-access savings allow withdrawal whenever you like; notice accounts require advance notice.

Is the interest guaranteed? — Many savings rates are variable and can change with market conditions.

Are savings taxed? — Interest income may be subject to tax, so consider the net return when comparing.

Savings Accounts in Croatia — FAQ