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Find the best way to send money to Croatia

Learn how to send money to Croatia from the US in our step-by-step guide.

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

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

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

Best ways to send money to Croatia from the US

The best way to send money to Croatia depends on your payment method, how you want your money to be received and how fast you need it to arrive.
  • Online money transfer provider. When buying US 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. US banks generally add a 3% to 6% markup onto exchange rates.
  • 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

Use our table to compare the best money transfer companies to send money to Croatia. You can compare deposit and receiving options, fees and transfer speeds, then click the "Go to site" button when you've found the best one to get your money to Croatia.
1 - 5 of 5
Name Product Filter Values Fastest Transfer Speed Fees (Pay by Bank Transfer)
Wise (TransferWise)
Within minutes
From 0.41%
Wise uses the mid-market rate and transparent fees to help you send money in 50+ currencies.
Instarem
24 hours
From 0%
New Instarem customers will get a special FX rate and zero-fees on their first transfer.
Instarem offers offers rewards on every transaction.
MoneyGram
Within minutes
From $0
MoneyGram has fast cash pick-up transfers to more than 350,000 agent locations worldwide.
Xe Money Transfer for Business
24 hours
$0
Save your time and money with Xe Money Transfer for business.
Xe
Within minutes
$3
Xe has fast transfers with low fees and a range of foreign currency tools.
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Cheapest way to send money to Croatia

Bank transfers are typically the cheapest way to get your money to Croatia. MoneyGram and Instarem 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 American 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 USD/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.

Here are some of the fastest average transfer speeds to Croatia:
  • Wise (TransferWise) — within minutes
  • MoneyGram — within minutes
  • Instarem — within hours

Actual transfer times from the United States 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 the United States's industry regulator, the Consumer Financial Protection Bureau. 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 the United States 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.

Large money transfers to Croatia

If you need to make a sizable money transfer to Croatia, consider using a provider such as Xe to benefit from its expertise in handling larger transfer amounts.

Using a large transfer specialist can have the following advantages:
  • Tax guidance. Large transfers to Croatia may have tax implications for you or your recipient. A transfer specialist can help get you up to speed on the IRS's latest advice.
  • Foreign exchange (forex) tools. Advanced tools such as forward contracts, limit orders and stop-loss orders can help you lock in the EUR exchange rate you want.
  • Account manager. Some money transfer providers assign a personal account manager who can help and advise you on your transfer needs.
  • Phone service. If you want to talk your transfer through with someone, providers such as Wise (TransferWise) and Instarem can give you support over the phone.

How to send money to Croatia from the US

To send money to Croatia, you'll need the necessary documentation, your recipient's details and a way to pay.

  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 sends money to Croatia

Ivana is working in the United States as a financial analyst and she regularly contacts his 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 the United States.

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

Bank Money transfer company
Exchange rate 1 USD = 0.91 EUR 1 USD = 0.93 EUR
Transfer fee $10 $2.50
Transfer method Bank account deposit Bank account deposit
Processing time 2 - 5 working days Next day
Amount received 1,817.39 EUR 1,848.39 EUR

The money transfer company enables Ivana to send an extra \u20ac31.00, which is transferred straight to her parents' Zagreba\u010dka banka account.

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

When choosing a money transfer provider to send money from the United States to Croatia, it's important to consider the cost, how you want your recipient to receive the funds and the turnaround time. Here are other features to review:

  • Exchange rates. Banks and transfer services use the mid-market rate to trade with one another. It is the best rate you can get. However, not all money transfer providers offer you this mid-market rate so compare the EUR you're offered to the mid-market rate and look for the smallest difference.
  • Transfer fees. Are you being charged a flat fee or a percentage of your transfer amount? For example, a provider offering to transfer your money to Croatia for a flat or low fee might work out better if you plan to send a large amount.
  • Transfer type. Does your recipient have a Croatian bank account or is cash or cell phone top-up a better option? Each transfer type has different fees. For example, instant cash pickups tend to be more expensive than bank transfers .
  • Transfer speed. If you need your transfer to arrive quickly, you can pay for an express delivery. Companies such as MoneyGram offer instant cash pickups but may charge more. If you're not in a rush, online money transfer services offer the best value and get your money to Croatia faster and cheaper than banks.
  • Transfer limits. Find out how much you can send with each service. For example, MoneyGram has a transfer limit of $25,000 while Instarem allows unlimited transfers.
  • Discounts. Some providers may offer you a free transfer simply for signing up. Others may offer a discount if you transfer more than a specific amount of euros.

Is this a good time to send money to Croatia?

Compared to a month ago, the US dollar is stronger against the euro. Currently $5,000 is equivalent to \u20ac4,650.00, whereas a month ago, $5,000 was equivalent to \u20ac4,599.00. That's an increase of 1.11% over the past month.

Similarly, compared to a year ago, the US dollar is again stronger against the euro. A year ago, $5,000 was equivalent to \u20ac4,569.50. That's an increase of 1.76% over 12 months.

So, based on those two quick glances back, yes, it's a relatively good time to send money to Croatia, and your US dollars will go further than they would have. But what's more important, however, is where the strength of the US dollar against the euro goes from here – which is harder to call.

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Frequently asked questions

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Name Product Filter Values Fastest Transfer Speed Fees (Pay by Bank Transfer)
Xe
Within minutes
From $0
Xe has fast transfers with low fees and a range of foreign currency tools.
Xe Money Transfer for Business
24 hours
$0
Save your time and money with Xe Money Transfer for business.
Remitly
Within minutes
From $0
Remitly has quick, affordable transfers around the world, with both express and economy options.
PayPal (business)
Within minutes
$0
Provides business solutions for small business owners in over 24 currencies worldwide. Try 3 months free of Spotify Premium when you sign up with PayPal.
Wise (TransferWise) International Money Transfers Business
Within minutes
From $8.16
Enjoy high maximum transfers into more than 40 currencies, while saving up to 90% over local banks.
Xe
Within minutes
$3
Xe has fast transfers with low fees and a range of foreign currency tools.
Instarem
24 hours
From 0%
New Instarem customers will get a special FX rate and zero-fees on their first transfer.
Instarem offers offers rewards on every transaction.
CurrencyFair
24 hours
€3
CurrencyFair has bank-beating exchange rates and fast transfer times on 15+ popular currencies.
Remitly
Within minutes
From $0
Special offers like free transfers and better exchange rates available for new customers.
Remitly has quick, affordable transfers around the world, with both express and economy options.
Remitly
Within minutes
From $0
Special offers like free transfers and better exchange rates available for new customers.
Remitly has quick, affordable transfers around the world, with both express and economy options.
CurrencyFair
24 hours
€3
CurrencyFair has bank-beating exchange rates and fast transfer times on 15+ popular currencies.
Remitly
Within minutes
From $0
Special offers like free transfers and better exchange rates available for new customers.
Remitly has quick, affordable transfers around the world, with both express and economy options.
Wise (TransferWise)
Within minutes
From 0.41%
Wise uses the mid-market rate and transparent fees to help you send money in 50+ currencies.
MoneyGram
Within minutes
From $0
MoneyGram has fast cash pick-up transfers to more than 350,000 agent locations worldwide.
Wise (TransferWise)
Within minutes
From 0.41%
Wise uses the mid-market rate and transparent fees to help you send money in 50+ currencies.
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