Find the best way to send money to Croatia

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Looking for the best way to send money from Canada to family, friends or businesses in Croatia (or even to your own overseas bank account)?

Don't head straight to your Canadian bank – compare specialist money transfer services instead. They nearly always offer better EUR exchange rates and lower fees, so for the same amount of Canadian dollars you send, your recipient will receive more euros.

Of the companies we've compared, Remitly is among the cheapest, with competitive exchange rates and fees starting from $0. Need a really fast transfer? Remitly can get money to your recipient in Croatia within minutes.

Best ways to send money to Croatia from Canada

• Online money transfer provider. When buying Canadian dollars or euros , money transfer specialists typically offer better rates and cheaper fees than a local bank.
• Bank transfer. Bank transfers are an easy way to send money to Croatia, but they charge extra for the convenience and are often slower than other methods.
• Cash pickup. If you need your money to arrive fast, cash pickup gives your recipient instant access to the money you've sent when they collect it from their agent location in Croatia.
• Mobile wallet. Essentially an electronic wallet service, mobile wallets allow users to store, send and receive eligible currencies using their phone, often with fees attached.
• Home delivery. If your recipient may struggle to get to a cash pickup location, you may be able to opt for door-to-door cash delivery.

Compare the best money transfer companies to send money to Croatia

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Filter Values	Fastest Transfer Speed	Fees (Pay by Bank Transfer)
Xe Money Transfers Finder Award		Within minutes	$0	Xe has fast transfers with low fees and a range of foreign currency tools.	Go to site More info Compare product selection Compare	loading
TorFX		Within minutes	$0	TorFX sends money overseas in 40+ currencies, with competitive rates for transfer amounts over GBP £100. TorFX guarantee to beat any competitor's exchange rate for a transaction.	Go to site More info Compare product selection Compare	loading
RemitBee		Within minutes	From $0	Send money to 100+ countries via Debit Card, EFT, e-Transfer, and more or exchange USD/CAD between bank accounts online.	More info Compare product selection Compare	loading
Remitly		Within minutes	From $0	New customers can access special offers like free transfers and better exchange rates. T&Cs apply.	Remitly has quick, affordable transfers around the world, with both express and economy options.	Go to site More info Compare product selection Compare	loading
Xe Money Transfers Finder Award		Within minutes	$0	Xe has fast transfers with low fees and a range of foreign currency tools.	Go to site More info Compare product selection Compare	loading
Wise (TransferWise)		24 hours	From 0.42%	Wise uses the mid-market rate and transparent fees to help you send money in 40+ currencies.	Go to site More info Compare product selection Compare	loading
Remitly Finder Award		Within minutes	From $0	New customers can access special offers like free transfers and better exchange rates. T&Cs apply.	Remitly has quick, affordable transfers around the world, with both express and economy options.	Go to site More info Compare product selection Compare	loading
MoneyGram Finder Award		Within minutes	From $0	For a limited time, get $0 fees on your first money transfer from Canada. T&Cs apply.	MoneyGram has fast cash pick-up transfers to more than 350,000 agent locations worldwide.	Go to site More info Compare product selection Compare	loading
Wise (TransferWise) Finder Award		24 hours	From 0.33%	Wise uses the mid-market rate and transparent fees to help you send money in 45+ currencies.	Go to site More info Compare product selection Compare	loading
Instarem		Within minutes	From $0	Enjoy a special exchange rate and zero fees on your first transfer. Valid until February 10, 2026. T&Cs apply.	Instarem offers inexpensive transfers and the opportunity to earn rewards points.	Go to site More info Compare product selection Compare	loading
Loop		Within an hour	$0	Loop has 1 day transfers and low FX rates.	Go to site More info Compare product selection Compare	loading

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Showing 11 of 11 results

Cheapest way to send money to Croatia

Bank transfers are typically the cheapest way to get your money to Croatia. Remitly and MoneyGram have some of the lowest bank transfer fees of the brands we've compared.

When you're hunting down the cheapest ways to send money to Croatia, it's more important to look at the overall cost of your transfer. This has a couple of elements:

• Transfer fees. While still cheaper than your Canadian bank, some money transfer services charge either a fixed or percentage-based fee for making your transfer.
• Exchange rates. Another way money transfer providers make money is to add a margin to the mid-market CAD/EUR exchange rate.

Some providers may charge the mid-market rate but add fees on top. Others may have very low fees but apply a markup on the exchange rate. This means it is important to compare exactly how many euros your recipient will end up with.

Fastest way to send money to Croatia

Many online providers can offer transfers to Croatia within minutes, although you're likely to pay a premium for the convenience.

• Remitly — within minutes
• MoneyGram — within minutes
• Instarem — within minutes

Actual transfer times from Canada to Croatia can depend on several several factors including transfer amount, payment method and currency.

Safest way to send money to Croatia

The safest way to get your money to Croatia is to use a provider registered with Canada's industry regulator, the Financial Consumer Agency of Canada. All the companies we've compared in our table are overseen by a local regulator and comply with the relevant laws and regulations in both Canada and Croatia.

A great way to dive deeper is by reading our extended reviews of each transfer service and researching first-hand customer feedback on Trustpilot and similar platforms.

How to send money to Croatia from Canada

1. Compare your options.
   
   Use our table to find a money transfer provider that sends funds to Croatia. One may be better for cash pickups, while another may suit a bank transfer. Once you've found the best one for your requirements, click "Go to site".
2. Create an account.
   
   You'll need to give your name, address, contact details, proof of ID and method of payment.
3. Provide your recipient's details.
   
   Enter your recipient's name and contact information. If you're sending straight to their Croatian bank account, you'll need the account number, SWIFT or IBAN plus their bank branch's address.
4. Enter your transfer amount.
   
   Make sure you're happy with the fees, exchange rates and transfer speed, then enter the amount you wish to send. Double-check the total euros your recipient gets.
5. Complete your transfer.
   
   Send your money transfer to Croatia. Keep your transaction reference number safe so you can track your transfer. Your recipient may need it, too.

Example: Ivana transfers money to Croatia

Ivana is working in Canada as a financial analyst and she stays in regular contact with her elderly parents back home in Croatia. Her parents need some funds to help pay off a mortgage, so Ivana plans to send them $2,000 from Canada.

She decides to compare a bank and a money transfer specialist to see which one can save the most money on her transaction.

The money transfer company enables Ivana to send an extra €20.57, which is transferred straight to her parents' Zagrebačka banka account.

How to choose the best money transfer companies to send money to Croatia

Is this a good time to send money to Croatia?

Compared to a month ago, the Canadian dollar is a little weaker against the euro. Currently, $5,000 is worth €3,086.00, whereas a month ago, $5,000 was equivalent to €3,087.50. That's a decrease of 0.05% over the past month.

Similarly, compared to a year ago, the Canadian dollar is again weaker against the euro. A year ago, $5,000 was equivalent to €3,381.00. That's a decrease of 8.73% over 12 months.

What's more important, however, is the strength of the Canadian dollar against the euro and where it goes from here – which is harder to call. Based on those two data points, your Canadian dollars might not go as far as they would have, so shopping around for the best deal on your transfer is key.

Frequently asked questions

• How can I pay for my transfer to Croatia?

  There are multiple ways to pay for your money transfer to Croatia. The most common payment methods include bank transfer, credit card and debit card.

  How you pay can influence how quickly your euros arrive and the total cost of your transfer, so consider both when deciding.

• What details do I need to send money to Croatia?

  • Photo identification: Most providers require a driver's license, passport or other Canadian government-issued ID.
  • A way to pay: Your options depend on the provider's services. Popular methods include cash, debit or credit card and bank account transfers.
  • Recipient information: You'll need their name (matching their ID) plus contact details. If sending to a Croatian bank account, you'll need their account number, SWIFT and branch details.

• What is required to receive money in Croatia?

  • Transfer number: The reference number – sometimes called a PIN, MTCN or tracking number.
  • Government-issued ID: An official ID, such as a Croatian passport or driver's license.
  • The transfer amount: To know how much has been sent, usually to within 10% of the total.
  • Sender information: The sender's name and address and the transfer's country of origin.

• How much money can I send online to Croatia?

  This depends on your chosen provider, as each will have a sending limit. For example, services such as Wise (TransferWise) and Remitly allow you to transfer as little as $1, while others will have a significantly higher minimum threshold.

  Remember that some providers will have maximum transfer amounts as well, either as a result of Canadian tax policies or because their service is more limited. If you need to send a large transfer, look for a provider with higher or no sending limits to Croatia.

• How long will it take for my money to arrive in Croatia?

  The turnaround time for a money transfer to Croatia depends on the provider and how you pay for the transfer. Expect your transfer to arrive within minutes if you pay using cash or with a debit or credit card. Paying by bank transfer can take longer – usually 2–5 days.

• Can I send money to Croatia without a bank account?

  Yes, you can still send a money transfer if neither you nor your recipient in Croatia has a bank account. Look at cash transfer providers such as Remitly, where you can pay with cash, and your recipient can collect it as cash or as a mobile phone reload on the other end.