licencemap
Informational only, not legal advice. Verify with qualified counsel before acting. Full disclaimer

Matrix / Croatia

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 2026-07-02 Next review 2026-07-16

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”’

Unlock capital requirement with Pro

Timeline to authorisation πŸ”’

Unlock timeline to authorisation with Pro

Local substance πŸ”’

Unlock local substance with Pro

Application cost πŸ”’

Unlock application cost with Pro

Ongoing cost πŸ”’

Unlock ongoing cost with Pro

Passporting πŸ”’

Unlock passporting with Pro

EMIs authorised πŸ”’

Unlock emis authorised with Pro

Key restrictions πŸ”’

Unlock key restrictions with Pro

Safeguarding πŸ”’

Unlock safeguarding with Pro

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 2026-07-02 Source: EU

Difficulty rating πŸ”’

Unlock difficulty rating with Pro

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.

See pricing See the free jurisdiction first

Track Croatia

Get an email when this regime changes, fee schedules, capital rules, transition deadlines.

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.