licencemap
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πŸ‡­πŸ‡· Croatia

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

Crypto (CASP) E-Money (EMI)
Last verified 2026-07-03 Next review 2026-07-17

Data verified: oldest cell 1 day ago (verified 2026-07-02). Individual cells show their own verification date below.

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 2026-07-02 Source: HNB small EMI page: https://www.hnb.hr/en/core-functions/payment-system/licensing/small-electronic-money-institutions

Regulator

Croatian National Bank (Hrvatska narodna banka, HNB)

Verified 2026-07-02 Source: HNB: https://www.hnb.hr/en/core-functions/payment-system/licensing/electronic-money-institutions

Capital requirement πŸ”’

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Timeline to authorisation πŸ”’

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Local substance πŸ”’

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Application cost πŸ”’

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Ongoing cost πŸ”’

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Passporting πŸ”’

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EMIs authorised πŸ”’

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Key restrictions πŸ”’

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Safeguarding πŸ”’

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Recent changes

PSD3 and the PSR will merge the payment institution and EMI regimes into one licence that can issue e-money. Final texts published 23 April 2026, applicability targeted around 2028; existing EMIs are grandfathered but must update their file.

Verified 2026-07-03 Source: EU

Difficulty rating πŸ”’

Unlock difficulty rating with the Founder Pass Source: hnb.hr

The decision numbers for Croatia are one step away

Capital, timeline, costs, substance, passporting, restrictions and difficulty, with sources and verification dates. Deciding now? The one-off Founder Pass (Β£349) unlocks everything for 30 days. The free showcase jurisdiction shows you the exact format and quality first.

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Track Croatia

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Informational only, not legal advice. Entries marked as placeholder or awaiting verification must not be relied on. Confirm all requirements with Croatia's regulator and qualified local counsel before acting.