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🇭🇷 Croatia

HANFA issued Croatia's first MiCA CASP licence in April 2026, over a year after applications opened.

Crypto (CASP / VASP) E-money (EMI)
Last verified 2026-08-15 Next review 2026-08-29

Data verified: oldest cell 47 days ago (verified 2026-07-02). Individual cells show their own verification date below.

Capital requirement Capital requirement is included with access. Included with access Timeline to authorisation Timeline to authorisation is included with access. Included with access Application cost Application cost is included with access. Included with access Passporting Passporting is included with access. Included with access

Licence type

Authorisation to issue electronic money under Croatia's Electronic Money Act (transposing EMD2); a distinct 'small electronic money institution' (mala institucija za elektronički novac) exemption tier exists for issuers below the EMD2 threshold, with its own HNB registration track

Verified 3 days agoSource: Current national regulator authorisation material: https://www.hnb.hr/en/core-functions/payment-system/licensing/electronic-money-institutions

Regulator

Croatian National Bank (Hrvatska narodna banka, HNB)

Verified 3 days agoSource: Current national regulator authorisation material: https://www.hnb.hr/en/core-functions/payment-system/licensing/electronic-money-institutions

Recent changes

PSD3 and the PSR merge payment-institution and EMI authorisation into one payment-institution category able to issue e-money. The final compromise texts remain awaiting formal adoption and Official Journal publication as of 15 August 2026, with an indicative European Parliament plenary on 14 December 2026. After entry into force, Member States have 21 months to transpose and apply PSD3, and the PSR generally applies after 21 months. Existing EMIs may continue for 27 months, with an exceptional further three-month extension.

Verified 3 days agoSource: https://data.consilium.europa.eu/doc/document/ST-8222-2026-INIT/en/pdf ; https://data.consilium.europa.eu/doc/document/ST-8221-2026-INIT/en/pdf ; https://oeil.europarl.europa.eu/oeil/en/procedure-file?reference=2023%2F0209%28COD%29

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Not legal advice. Entries marked placeholder or awaiting verification shouldn't be relied on. Verify with Croatia's regulator and qualified local counsel before acting.