Finder is committed to editorial independence. While we receive compensation when you click links to partners, they do not influence our content.
Send money to Croatia
Compare fees and exchange rates to get the best deal on your next money transfer to Croatia.
Western Union and MoneyGram each have establishments in Croatia, so they can send a cash payment quickly, but such speedy transfers are generally expensive ones as well. An online specialist like XE could save you money with lower fees and stronger exchange rates.
Send money to Croatia with WorldRemit
Use promo code 3FREE to send your first 3 transfers with no fee. Send to 110+ countries for bank-to-bank deposit, cash pickup or mobile top-up.
- No minimum transfers.
- Wide range of destinations.
- Competitive exchange rate.
Compare money transfer services to Croatia
Use our comparison calculator to assess transfer fees, exchange rates and other details for sending funds to Croatia with our money transfer partners.
What's in this guide?
- Compare money transfer services to Croatia
- Steps to send money to Croatia
- Banks vs. money transfer companies
- How much will I pay to send money to Croatia?
- How to compare transfer companies when transferring money to Croatia
- What are my options to send money to Croatia?
- Picking up cash
- Emergency transfers to Croatia
Steps to send money to Croatia
- Register for an account with a provider, supplying your name, address, contact details, proof of ID and information about your selected payment method.
- Supply your recipient’s name, contact information and bank account details as required.
- Enter the amount of your transfer and complete the transaction.
- Keep track of any receipt you receive so you can monitor the progress of your transfer.
Banks vs. money transfer companies
While you’ll be tempted to visit your bank for a wire transfer to Croatia, a reputable money transfer service can typically offer better exchange rates, lower fees and faster delivery — often without you having to leave your home.
Banks don’t often publish exchange rates, but you can sometimes find the rate you’ll receive by logging in to your online bank account.
How much will I pay to send money to Croatia?
Say that you want to send $1,000 to your sister, who’s traveling around Zagreb for the summer. You might find that your bank doesn’t send money to Croatia. Exploring alternatives, here’s what you’d pay for a bank account transfer with a big-name provider and an independent money transfer specialist like Ria.
|Independent money transfer company||Big-name money transfer company|
|Exchange rate||$1 = 6.4 HRK||$1 = 6.450.43 HRK|
|Transfer option||Bank account||Bank account|
|Transfer time||4 days||4 days|
|Amount HRK received||6,400 HRK||6,450.53 HRK|
The big-name money transfer offers a slightly better exchange rate, but you’d be responsible for a $25 transfer fee, costing you more money.Back to top
Foreign exchange rates explained
The exchange rate determines how much one country’s currency is worth in another currency. When a country’s currency is strong, it yields more money when exchanging it in a country with a weak currency. Like most countries, Croatia’s exchange rate is flexible, which means it can change from moment to moment. Factors that influence the exchange rate include interest rates, economic stability and inflation.
How to compare transfer companies when transferring money to Croatia
By comparing a few elements of your transfer, you can ensure that you get the cheapest deal for your needs.
- Exchange rates. Nearly all providers skew exchange rates for a profit. Compare the rate you’re offered to the mid-market rate — the rate banks and transfer services use when they trade among themselves — and look for the smallest margin between them.
- Transfer fees. Find out whether the provider charges a flat fee or a percentage of your transfer. If you’re sending a large amount, ask whether you qualify for a fee-free transfer.
- Payment and delivery options. Some transfer companies allow you to pay with a credit card online, by phone or through an app. Others offer agent locations for cash payments and pickups. Also ask how your recipient can receive your funds: bank account, cash pickup, mobile wallet and more.
- Transfer speeds. If it needs to be there fast, companies like Western Union and MoneyGram allow for quick cash pickups, often in minutes. If you have more time, you’ll get better rates and fees with an independent provider.
- Transfer limits. Your best option might depend on how much you want to send. For large transfers, weigh the best exchange rate — especially since providers encourage large transfers by offering low fees. For smaller amounts, consider the fees you’ll pay on top of the exchange rate.
- Flexible transfer options. Ask whether you can schedule payments ahead of time or protect your transfer against market fluctuations with a limit order or forward contract.
- Customer support. Most companies offer customer service by Internet chat, phone, in person or by email. Make sure help will be available if you need it.
What are my options to send money to Croatia?
- Bank transfers. Many major US banks can safely wire your funds to countries around the world. Banks rely on existing links between banks and banking systems worldwide. However, a downside is the frustratingly high fees and weaker exchange rates you’ll receive by going through your bank.
- Online money transfer services. These specialists offer more affordable transfers than banks do, allowing you to quickly and easily manage your transactions from home. With competitive exchange rates and lower fees, you can send funds from your bank account. Many also allow you to pay with a credit or debit card.
- Providers with cash pickup. Trusted providers like Western Union and MoneyGram offer the key advantage of giving your recipient fast access to the cash you send — sometimes within minutes. You can often pay online or at one of thousands of agent locations worldwide. However, services typically cost more than an online transfer specialist and vary by where you’re transferring your money and how you’re paying for it.
- PayPal transfers. Not just for online purchases, PayPal offers transfers to more than 100 countries and supports multiple currencies. Its exchange rates are often better than those you’ll get from a bank but not quite as strong as rates from money transfer companies. PayPal calculates its transfer fee as a percentage of the amount you’re sending — meaning it’s often better for sending smaller amounts of money.
- International money order. You can get this type of money order from your bank and send it overseas to your recipient, who then cashes it in with their own bank. While more secure than a personal check, it’s a slower option than using an electronic transfer. It also costs a little more — you’ll have to purchase the check, and your recipient may be charged a fee by their own bank cashed.
Picking up cash
Whether picking up funds in Rijeka or anywhere else around the world, take a few simple safety precautions to prevent yourself becoming a target for thieves.
- Call ahead. Learn the company’s business hours and choose a safe time to pick up your cash. Daylight hours are best.
- Bring a friend. Carrying money when alone can be dangerous. Ask a friend to come along.
- Deposit your money immediately. The likelihood of losing your money to theft or simple carelessness grows the longer you have it with you. Go straight to a bank and deposit your cash as soon as possible.
- Keep your cash hidden. Place your money in your purse or wallet before leaving the office. Carrying cash out in the open could make you a target.
Emergency transfers to Croatia
You might need to send an emergency cash transfer to Croatia— for example, if a friend traveling through the country loses their wallet. When you need to transfer funds urgently, your fastest possible transfer will often be your most expensive option. Carefully review the exchange rate and transfer fee against your needs so that you understand exactly how much it will cost you.
How safe is a money transfer?
When you use a reputable provider, your funds are safely tracked until in the hands of your recipient. There are federal protections in place that require banks, credit unions and money transfer companies to, for example, disclose all fees upfront and give you 30 minutes to cancel a transfer, assuming it hasn’t yet been picked up or deposited.
More guides on Finder
First Foundation Bank Online Savings Account review
No monthly fees and a competitive APY from this high-yield savings account.
TAB Bank High-Yield Savings account review
TAB Bank’s high-yield savings account has a competitive APY, but it’s probably best for truckers.
Netspend Small Business Prepaid card review
This business account supports in-person payments and lets you manage employee spending.
OakStone Gold Secured Mastercard® review
Build credit with this secured credit card.
Can I get a 5% interest savings account in 2020?
You can find a 5% interest savings account in 2020. But find out if it’s worth it here.
Douugh banking review
The Douugh banking app uses AI to optimize your finances, but it lacks key features.
Can I get a 12% interest savings account?
These international banks offer accounts with 12% APYs or higher, but watch out for risks.
Save Market Savings account Review
With this savings account, you can invest your interest in the stock market for an average 3.13% return. Learn more here.
First State Community Bank loans review
Agriculture loans, real estate financing and more from this Eastern Missouri lender.
Features and drawbacks to consider before you open a Coro account.
Ask an Expert