The Croatian National Bank, in accordance with the Decision on the obligation to submit data on the payment system and electronic money, the Decision on collecting data on payment services that payment service users have contracted with reporting entities and the Decision on the obligation to submit data on payment statistics for the purposes of the European Central Bank collects, processes and publishes statistical data in the area of payment operations.

The Decision on the obligation to submit data on the payment system and electronic money was published in the Official Gazette 147/2013 and 16/2017 and entered into force on 1 January 2014. The Decision prescribes the reporting entities, the content, manner and time limits for reporting data on the payment system and electronic money. Pursuant the Decision on the obligation to submit data on the payment system and electronic money, reporting entities are, as follows:

1. a credit institution (bank) with a head office in the RC;
2. an electronic money institution with a head office in the RC;
3. a payment institution with a head office in the RC;
4. a branch of a third-country credit institution (or branch of a bank) with a head office in the RC;
5. a branch of a third-country electronic money institution with a head office in the RC;
6. a branch of a credit institution from another member state with a head office in the RC;
7. a branch of an electronic money institution from another member state with a head office in the RC;
8. a branch of a payment institution from another member state with a head office in the RC;
9. agents of payment service providers from other member states with head offices in the RC, through which these payment service providers provide payment services in the RC, provided that these agents have been authorised to provide payment services;
10. the Financial Agency; and
11. infrastructure owners.

The reporting entities report to the Croatian National Bank in accordance with the Instruction on the method of collecting and compiling, and on the obligation to submit payment and electronic money statistics and the Instructions for the production and submission of the data file with payment system and electronic money statistics, which form an integral part of the Decision.

The Decision on collecting data on payment services that payment service users have contracted with reporting entities was published in the Official Gazette 45/2026 and entered into force on 7 May 2026. The Decision prescribes the reporting entities, the data submitted for statistical purposes on payment services contracted with payment service users, as well as the content and time limits for reporting. Pursuant to the Decision on collecting data on payment services that payment users have contracted with reporting entities, reporting entities are, as follows:

1. a credit institution with a head office in the RC;
2. an electronic money institution with a head office in the RC;
3. a payment institution with a head office in the RC;
4. a branch of a third-country credit institution with a head office in the RC;
5. a branch of a third-country electronic money institution with a head office in the RC;
6. a branch of a credit institution from another member state with a head office in the RC;
7. a branch of an electronic money institution from another member state with a head office in the RC;
8. a branch of a payment institution from another member state with a head office in the RC;
9. a small electronic money institution with a head office in the RC; and
10. a small payment institution with a head office in the RC.

The manner of reporting and submitting of data have been prescribed by the Instruction for the compiling and submitting of data on payment services that payment service users have contracted with reporting entities, which is published on the official website of the Croatian National Bank in the section Core Functions, subsection Payment System – Regulations.

The Decision on the obligation to submit data on payment statistics for the purposes of the European Central Bank was published in the Official Gazette 150/2022 and entered into force on 1 January 2023. The Decision prescribes the reporting entities, the content of reporting, the first reporting period and time limits within which reporting entities shall submit to the Croatian National Bank data on payment statistics for the purposes of the submission of data to the European Central Bank. Pursuant to the Decision on the obligation to submit data on payment statistics for the purposes of the European Central Bank, reporting entities are, as follows:

1. a credit institution with a head office in the RC;
2. an electronic money institution with a head office in the RC;
3. a payment institution with a head office in the RC;
4. a branch of a third-country credit institution (branch of a bank) with a head office in the RC;
5. a branch of a third-country electronic money institution with a head office in the RC;
6. a branch of a credit institution from another member state with a head office in the RC;
7. a branch of an electronic money institution from another member state with a head office in the RC;
8. a branch of a payment institution from another member state with a head office in the RC;
9. agents of payment service providers from other member states with head offices in the RC, through which these payment service providers provide payment services in the RC, provided that these agents have been authorised to provide payment services; and
10. the Financial Agency.

The content of the statistical data that are submitted and the manner of reporting and submitting of data have been prescribed by the Instructions for reporting on payment statistics.