This page compares 5 accounts available in Croatia, listing minimum deposit, monthly fee, how to apply and non-resident eligibility one by one: 0 can be opened fully online, 5 explicitly accept non-residents, 5 have no minimum deposit. Click any account for the full document checklist, pros and cons and common rejection reasons.
Data updated 2026-10-01 · compiled from published bank terms
| Account | Region | Type | Minimum deposit | Monthly fee | How to apply | Non-residents | Rating |
|---|---|---|---|---|---|---|---|
| OTP banka Croatia | Croatia | Traditional Bank | 标准往来账户无最低存款，开户费约 €0.99 | 标准账户月费几欧元；2026-01-01 起银行须提供免费基础服务包 | Must visit | Non-residents OK | ★ 4.1 |
| Erste Bank Croatia | Croatia | Traditional Bank | 往来账户通常无最低存款要求 | 月费几欧元，部分情形可免 | Remote or in person | Non-residents OK | ★ 4.1 |
| Zagrebačka banka | Croatia | Traditional Bank | 非居民账户通常无最低存款要求 | 非居民账户月费高于居民档 | Must visit | Non-residents OK | ★ 4 |
| Privredna banka Zagreb | Croatia | Traditional Bank | 往来账户通常无最低存款要求 | 月费几欧元 | Must visit | Non-residents OK | ★ 3.9 |
| Raiffeisenbank Croatia | Croatia | Traditional Bank | 往来账户通常无最低存款要求 | 月费几欧元 | Must visit | Non-residents OK | ★ 3.8 |
5 of the 5 accounts on this page explicitly accept non-residents (OTP banka Croatia, Zagrebačka banka, Erste Bank Croatia). "Accepts applications" does not mean guaranteed approval — banks still assess your ID, proof of address and source of funds. Without local residence or a tax number, prefer accounts marked as remotely openable.
In most cases yes. None of the accounts on this page is fully online — expect a branch visit or a scheduled interview, or use a provider that supports remote onboarding.
Minimums vary widely — see the "Minimum deposit" column. 5 account(s) have no minimum deposit, so you need not fund on day one. Also watch the minimum balance and monthly fee; dormant accounts can incur charges.
It depends on the account: online accounts are usually approved within minutes to a few working days, while branch or manually reviewed accounts typically take 1 to 3 weeks. The "How to apply" column shows the channel for each account, and timings are on the individual pages.