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How to send money to Croatia

Compare fees and exchange rates to get the best deal on your next money transfer to Croatia.

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Whether for business or personal reasons, if you need to send money to Croatia, there are only a handful of options to choose from. Croatian kuna are considered an exotic currency, so many foreign exchange providers don’t deal with them.
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 World First could save you money with lower fees and stronger exchange rates.

Send money to Croatia with XE

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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.

Min. Transfer Amount Transfer Speed Online Transfer Fee Rate Amount Received Description CTA Details
NZD 0 Same day NZD 0.00 4.414 HRK
22,072
Send money in more than 60 currencies. Fee-free international money transfers with a global brand. Go to site Show details
GBP 2,500 Same day NZD 0.00 4.392 HRK
21,961
Central FX’s dedicated private client team will guide you through the money transfer process from first call to final payment. Go to site Show details
NZD 1 Within an hour NZD 3.99 4.419 HRK
22,076
Use promo code 3FREE to send your first 3 transfers with no fee. Conditions apply.
An online money transfer service with cash pick-up, bank account to bank account and airtime transfers available.
Go to site Show details
NZD 1 1 - 2 days NZD 55.00 4.436 HRK
21,938
Make online transfers with transparent exchange rates, low fees and low minimum amounts. Go to site Show details
NZD 250 1 day NZD 0.00 4.392 HRK
21,961
TorFX guarantee to beat any competitor's exchange rate for a transaction. Conditions apply. Go to site Show details

Compare up to 4 providers

Disclaimer: Exchange rates change often. Confirm the total cost with the provider before transferring money.

Steps to send money to Croatia

  1. Register for an account with a provider, supplying your name, address, contact details, proof of ID and information about your selected payment method.
  2. Supply your recipient’s name, contact information and bank account details as required.
  3. Enter the amount of your transfer and complete the transaction.
  4. 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 to make a 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?

Let’s say you want to send $1,000 to your sister, who’s spending the summer in Zagreb. 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.

Independent money transfer company Big-name money transfer company
Exchange rate 1 NZD = 4.40 HRK 1 NZD = 4.45 HRK
Transfer fee $5 $25
Transfer option Bank account Bank account
Transfer time 4 days 4 days
Amount HRK received 4,395 HRK 4,425 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.

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.

Today’s exchange rate NZD to HRK

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 pick-ups. Also ask how your recipient can receive your funds: bank account, cash pick-up, mobile wallet and more.
  • Transfer speeds. If it needs to be there fast, companies like Western Union and MoneyGram allow for quick cash pick-ups, 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.
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What are my options to send money to Croatia?

  • Bank transfers. Most New Zealand banks can safely send 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 pick-up. 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 cheque, it’s a slower option than using an electronic transfer. It also costs a little more — you’ll have to purchase the cheque, and your recipient may be charged a fee by their own bank to have it cashed.
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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 travelling 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. Banks, credit unions and money transfer companies are required 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.
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