Regulations

Published: 1/2/2015
Relevant regulations in the area of payment operations in the Republic of Croatia are presented in this chapter.

Payment operations of a country should have a well-established, clear, transparent and enforceable legal basis for each important aspect of activities and in all competent areas of jurisdiction.

A solid legal basis is of key importance for an effective functioning of the overall payment system. The legal basis defines or gives corresponding parties the basis for defining the rights and obligations of its participants. The majority of risk management mechanisms are based on assumptions on the manner and the time when these rights and obligations arise. If the legal basis for the activities and operations of the payment system is inadequate, uncertain or non transparent, it may lead to payment system participants or their clients to face unplanned, uncertain or unusable credit or liquidity risks, which can also give rise to or increase systemic risks.

Act on the Comparability of Fees Related to Payment Accounts, Payment Account Switching and Access to Basic Accounts

Area Payment operations
Published (OG 70/2017)

Act on Amendments to the Act on the Comparability of Fees Related to Payment Accounts, Payment Account Switching and Access to Basic Accounts

Area Payment operations
Published (OG 105/2025)

EBA Guidelines on ICT and security risk management

Area EU Legislation
Published EBA Guidelines
Link

Guidelines amending Guidelines EBA/GL/2019/04 on ICT and security risk management

Area EU Legislation
Link

Decision on the obligation to submit data on payment statistics for the purposes of the European Central Bank

Area E-money, Payment operations
Published (OG 150/2022)

Payment System Act

Area Payment operations
Published (OG 66/2018)

Electronic Money Act

Area E-money
Published (OG 64/2018)

Act on Settlement Finality in Payment and Financial Instruments Settlement Systems

Area platni-sustavisustavi-za-namiru-financijskih-instrumenata
Published (OG 59/2012)

Act on Amendments to the Payment System Act

Area Payment operations
Published (OG 136/2024)

Act on Amendments to the Electronic Money Act

Area E-money
Published (OG 136/2024)

Act on amendments to the Act on Settlement Finality in Payment and Financial Instruments Settlement Systems

Area Payment operations
Published (OG 136/2024)

Decision on transaction accounts

Area Payment operations, Payment systems
Published (OG 13/2025)

Decision on safeguarding the payment service users and electronic money holders' funds

Area Payment operations, E-money
Published (OG 13/2025)

Act on the Implementation of EU Regulations Governing Payment Systems

Area Payment operations
Published (OG 136/2024)

Foreign Exchange Act

Area Foreign exchange operations
Published (OG 96/2003)
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