Croatia 2017/2018

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Payment Organization

EGCP, formerly the Croatian interbank processor MBU, is the shared group card processor of Erste Group (A). 

Domestic Card Brand

MBCARD debit cards, mostly co-badged Maestro. 

Market Structure

Croatia is a showcase market for American Express through its agreement with PBZ, which has issued over 500,000 Amex cards. Erste Bank acquired the rival Diners Club Adriatic in 2007.

There were 8.93 million Croatian cards at end-2016, equivalent to 2.14 cards per capita, one of the highest levels in CEE markets. 

All the major banks are owned by western banks. The heavily regulated Croatian banking sector faces consolidation pressure. 

In 2016, Intesa SanPaolo Group (I) sold processor ISP Card to private equity investors Advent International and Bain Capital. 

Notable Market Trends

Contactless rollout; MPOS terminals, HCE NFC pilots. 

Statistical Key Figures for 2016 provided in this profile:

UPDATED: tables with card business data 2012-2016; growth rates: Y-o-Y, CAGR

Population, Cards per Capita, Card Value per Capita

Debit Cards, Credit/Delayed Debit Cards, Total Cards

Card payments by number and by value, ATV per card, payments per card/year

ATMs, POS terminals, ATMs/POS terminals per 1 million capita

ATM withdrawals by number/by value, ATV per withdrawal, TXs per ATM/month

POS payments by number/by value, ATV per POS payment, TXs per POS/month

Internet Use, e-payment mix, B2C e-Commerce by value and growth rate

Issued Card brands by individual major issuer bank

Accepted card brands by individual major acquirer

Drill down into the debit card use and credit cards use details

Product information

Digital product provided in PDF format. You will receive a download link to a zip file containing your files after checkout. 


1.0.0 last updated 2nd December 2017