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Sending money to Croatia sounds simple until you actually try to do it. With so many options out there, finding the best way to send money to Croatia can quickly turn into a maze of fees, exchange rates, and confusing delivery options. One app promises speed, another swears it’s the cheapest, and suddenly you’re wondering where your money really ends up.
The tricky part is that Croatia sits at an interesting crossroads. It uses the Euro, relies heavily on bank transfers, and has largely moved past cash, yet plenty of people still actively look for fast, flexible ways to receive money. So, between options like Ogvio, Wise, or Western Union, which one should you choose?
To help you with that, I will cover my top 7 best money transfer services, which include:
- Ogvio - Send Money Easily Using @Tag
- PayPal - A Familiar Option for Sending Euros to Croatia
- Wise - Low-Cost Bank Transfers to Croatian IBANs
- Western Union - Cash Pickups Across Croatia in Minutes
- Airwallex - Business-Friendly Transfers to Croatian EUR Accounts
- Remitly - Fast International Transfers to Croatia
- Revolut - App-Based Euro Transfers Within the EU
That said, let's jump right into the list and see what each platform has to offer!
1. Ogvio - Send Money Easily Using @Tag
Ranks #1 out of 7 Money Transfer Services
- + Remittance-oriented
- + Instant transfers
- + Incremental-to-no fees
- + Crypto support
- + @Tag functionality
- + Free transfers between users
- - No card (coming soon)
One of the biggest obstacles faced by people who want to send money abroad is how complex the process can be, especially if you're doing it via the traditional banking system. Because of that, Ogvio aims to eliminate these complexities by offering a seamless user experience, not just for remittance, but for moving funds in general.
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Table: Essential information about Ogvio's asset movement option
While most banks require you to fill out multiple forms and submit personal documents just to open an account, you can start using Ogvio with your email address alone. In most cases, you can complete the onboarding process in less than 5 minutes. Once your wallet is ready, you can deposit money using various methods, including card transfer or crypto deposit.
Ogvio requires you to complete a KYC verification process to access any bank-transfer-related features. But you can send money to other Ogvio users or make crypto transfers without passing this ID verification.
The UI also looks sleek. All menus are labeled clearly, and you can access all of their features easily without having to comb through multiple different pages. It also works well on desktop and mobile devices, making it great for those who want access to their money on the go.
Aside from excellent user experience, Ogvio also offers great transfer speed. Transfers to other Ogvio users are instant. All you have to do is enter your recipient's @tag, which works like their username. In a way, this is as easy as sending a DM on a social media platform. This means you can avoid mistyping IBANs and risk sending money to the wrong person.
📚 Check Out: How to Transfer Money From One Bank to Another
You can also send money directly to Croatian bank accounts with competitive fees. Furthermore, since Ogvio uses the local SEPA network, your money will arrive in Croatia almost instantly in most cases, no matter where you're sending it from.
Speaking of fees, sending money to another Ogvio user incurs 0 fee. There is no transfer charge or currency exchange rate associated with your transfer. So, if you're looking for how to send money to Croatia for free, this platform is definitely worth considering.
Key Features
Ogvio also has other features that make it one of the best ways to send money to Croatia. Let's take a look at some of the notable ones:
- Currency Pegging. Ogvio automatically converts your balance to either USD or EUR, depending on your choice. This can help you maintain your money's value, especially if you live in a region with a volatile currency.
- Advanced Encryption. Ogvio implements advanced 256-bit AES encryption and a transaction PIN that helps protect your account and money from unauthorized access.
- Crypto Access. You can swap your balance to any supported cryptocurrency directly within the platform, so your money won't just sit in your account idly. Ogvio also lets you send money directly to external crypto wallets as long as they support USDC on Base.
- Non-Custodial Design. Ogvio is non-custodial by design, meaning that nobody else but you can touch, or let alone, control your money.
All in all, I think using Ogvio can be the best way to send money to Croatia, especially if the recipient also uses Ogvio. So why not invite your friends and family to use the platform as well and enjoy the benefits together?
2. PayPal - A Familiar Option for Sending Euros to Croatia
Ranks #2 out of 7 Money Transfer Services
- + Easy to use
- + Simple payment process
- + Strong security
- + Wide coverage
- + Access to crypto
- - High fees
- - Not available everywhere
- - Customer support complaints
PayPal is often one of the first platforms people think of when figuring out how to send money to Croatia, mainly because it’s already familiar and widely accepted. If you or the person you’re sending money to already has a PayPal account, getting started is pretty straightforward. You can send money directly to their PayPal balance using just an email address, without needing bank details upfront.
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Table: PayPal asset movement details
For Croatia specifically, PayPal works best for smaller, everyday transfers, like helping out a friend, paying for freelance work, or covering shared expenses. Since Croatia uses the euro, currency conversion isn’t always an issue if you’re sending EUR.
That said, fees are where PayPal starts to feel less appealing. International transfers usually come with a combination of transaction fees and exchange rate markups, which means it’s not exactly the cheapest way to send money to Croatia, especially if you’re moving larger amounts.
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Another thing to keep in mind is cashing out. While Croatian users can withdraw funds to local bank accounts, transfers aren’t always instant, and PayPal may apply additional withdrawal fees depending on the setup. So while PayPal scores high on convenience and familiarity, it’s often better suited for quick, low-value transfers rather than regular or high-amount money sends.
Key Features
PayPal is certainly a popular option when it comes to sending money to Croatia. But there is a chance that you don't know some of its core features. So, why not take a look at them to understand the platform better:
- Global Availability. PayPal operates in many countries, including Croatia, making it useful for international transfers and cross-border payments.
- Email-Based Transfers. Send money using just the recipient’s email address. There's no need to enter bank details, which makes setup quick and beginner-friendly.
- Buyer and Seller Protection. Offers dispute resolution and protection for eligible transactions, which can be helpful when paying freelancers or online sellers.
- Bank Withdrawal Option. Croatian users can withdraw PayPal balances to local bank accounts, though processing times and fees may vary.
PayPal can be an easy choice for many people who want to send money to Croatia. Just be aware of the associated fee and plan your transfers accordingly.
3. Wise - Low-Cost Bank Transfers to Croatian IBANs
Ranks #3 out of 7 Money Transfer Services
- + Transparent fees
- + Fair exchange rates
- + A smooth user experience
- + Multi-currency accounts
- - Service coverage is broad, but not entirely worldwide
- - Cash pickups aren’t available
- - Added compliance checks for large transfers
Wise is often the go-to option when someone wants to transfer money to a Croatian bank account without overthinking fees or exchange rates. It’s built specifically for international bank transfers, and that shows in how transparent the whole process feels. You see the fee upfront, you get the real mid-market exchange rate, and no surprise markups are hiding in the background.
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Table: Wise's pricing details
For Croatia, Wise works especially well because the country uses the Euro and relies on the IBAN system. Sending money to a Croatian bank account is as simple as entering the recipient’s IBAN and name, and transfers usually arrive within one to two business days, sometimes even faster for EUR transfers within the EU.
Wise also supports scheduled and repeat transfers, which is handy if you’re sending money regularly to family or paying recurring expenses.
Flexibility is another plus. You can fund your transfer using a bank account, debit card, or credit card, depending on what’s available in your country. While card payments come with higher fees, bank transfers are generally very cost-efficient.
All things considered, Wise balances speed, transparency, and pricing well, which is why many people consider it one of the best apps to send money to Croatia, especially for larger or repeat transfers.
Key Features
So far, do you think Wise offers the best way to send money to Croatia? Before you decide, here are some of its key features to help you understand the platform better:
- Mid-Market Exchange Rates. Wise uses the real exchange rate you see on Google, without adding hidden markups to the conversion.
- Low, Transparent Fees. Fees are shown upfront before you send money, so you know exactly how much will arrive in Croatia.
- IBAN-Based Bank Transfers. Send money directly to a Croatian bank account using an IBAN, making it ideal for EU transfers.
- Fast EUR Transfers. Euro transfers to Croatia often arrive within one to two business days, and sometimes even the same day.
One thing worth noting is that there is a €6 million limit on money transfers to Croatia per transaction. Additionally, if you want to send more than €1.2 million, you'll need to transfer it from your Wise account.
Did you know?
All Money Transfer Services may look similar to you, but they're NOT all the same!
4. Western Union - Cash Pickups Across Croatia in Minutes
Ranks #4 out of 7 Money Transfer Services
- + An established money transfer service
- + Available in most countries
- + Multiple delivery types, including cash pickup
- + Various ways to fund a transfer
- - High fees and exchange rate markup
- - Outdated app interface
- - Doesn't allow long-term fund storage
If you prefer sending money via cash pick-up rather than bank transfers, it's hard not to recommend Western Union. It’s especially useful if you want to send money to someone without a bank account or who simply prefers collecting cash in person.
Western Union has a strong physical presence across Croatia, with more than 150 partner locations in cities and smaller towns, including post offices, banks, and retail agents.
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Table: Essential information about Western Union
The main advantage here is speed. Cash transfers can often be picked up within minutes, which makes Western Union a practical choice for urgent or one-off situations. You can send money online, through the mobile app, or by visiting a physical agent, and recipients just need a valid ID and the transfer reference number to collect the funds.
📚 Check Out: How to Send Money With a Credit Card
That said, convenience comes at a cost. Fees can be relatively high, especially for international cash pick-ups, and exchange rates may include markups. For larger amounts or regular transfers, this can add up quickly. Western Union also offers bank deposits to Croatian accounts, but these are usually slower and less cost-efficient than EU-focused transfer apps.
Key Features
Aside from its strong physical presence globally, Western Union also comes with other useful features to help those who need to send money internationally. Let's take a look at some of them:
- Bank Deposit Option. You can send money directly to Croatian bank accounts using Western Union, though transfers may take longer than cash pickups.
- Extensive Agent Network. Access to thousands of agent locations worldwide, including banks, post offices, and retail partners across Croatia.
- Transfer Tracking. Real-time tracking lets both sender and recipient monitor the status of a transfer using a reference number.
- ID-Based Security Checks. Identity verification for recipients adds an extra layer of security, especially for higher-value transfers.
While it's pretty hard to beat Western Union in terms of cash pickup availability and popularity, always be aware of the fees you need to pay for using this service. Also, research the necessary documents for sending money using Western Union in your region.
5. Airwallex - Business-Friendly Transfers to Croatian EUR Accounts
Ranks #5 out of 7 Money Transfer Services
- + High-speed transfers
- + Competitive FX rates
- + Great business integrations
- + Regulated and secure
- - No personal options
- - Customer support limitations
Airwallex is best suited for businesses and professionals who regularly move money across borders, and that focus shows when looking at how to send money to Croatia through the platform. Rather than being designed for casual peer-to-peer transfers, Airwallex targets companies that need reliable EUR payments to Croatian bank accounts, especially for paying suppliers, contractors, or local partners.
For the Croatia corridor, Airwallex supports Euro transfers directly to Croatian IBANs, which keeps things aligned with standard EU payment systems.
Businesses can send local-like EUR transfers while managing everything from a single dashboard, including invoices, bulk payments, and approvals. This can be particularly useful if you’re handling multiple Croatian payments at once or operating on a fixed payout schedule.
Fees are generally competitive for business users, with transparent FX rates and lower conversion costs compared to traditional banks. That said, Airwallex isn’t the most intuitive option for individuals sending occasional personal transfers.
Key Features
There is no better way to understand if using Airwallex is the best way to send money to Croatia than by examining its key features. So, here are four notable ones that I think you should know:
- API & Platform Integrations. You can integrate Airwallex with accounting tools, e-commerce platforms, or custom systems for automated payments and reconciliation.
- Spend Management Controls. Airwallex lets you set limits, approval workflows, and role-based access to manage company spending more efficiently.
- Corporate Cards. Your business can issue physical and virtual cards for team spending, with built-in expense tracking and controls.
- Global Payment Acceptance. Airwallex allows your business to accept payments from international customers using cards and local payment methods, all in one platform.
Keep in mind that account setup requires business verification, and some features may feel excessive if you only need to send money once in a while. But, if your main goal is structured, repeatable EUR payouts to Croatia as part of day-to-day business operations, Airwallex offers a solid, professional solution.
6. Remitly - Fast International Transfers to Croatia
Ranks #6 out of 7 Money Transfer Services
- + Great platform accessibility
- + 170+ receiving countries
- + Home delivery available
- + Major and local payout options
- - Escalating FX rates
- - Confusing fees
Remitly is a solid option if you want a simple, app-friendly way to send money to Croatia, especially for one-off transfers where speed and clarity matter. The platform is geared toward people supporting family or friends abroad, and it guides you step-by-step through the process using either its website or mobile app, so even first-time users find it intuitive.
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Table: Available transfer methods for Remitly
In practice, Remitly shows your fees and exchange rates up front before you confirm a transfer, which helps you understand exactly how much your recipient will get in Euros. For many sending corridors, Remitly waives fees on the first transfer and offers competitive FX, making it easier to plan without surprises.
For Croatia, the most common method is a bank deposit. Your money will go straight into your recipient’s Euro bank account. In some sending countries, other options like debit card delivery or mobile wallet may also be available.
Remitly also works with local partners like Aircash, making it easier for recipients to access funds through a familiar domestic payment platform.
Remitly’s pricing and available payout options are clearly presented before you confirm a transaction. This means you’ll know exactly how much your recipient will receive and what you’re paying.
Key Features
Now that you know Remitly a bit better, it is time to look at some of its key features to help you decide if it is actually the best way to send money to Croatia:
- Express and Economy Speed Options. You can choose between fast delivery and lower-cost, slower delivery to balance speed and fees based on your priorities.
- Guaranteed Delivery or Refund. If your transfer doesn’t arrive within the estimated timeframe, Remitly offers a policy to refund your fees, which adds a safety net for time-sensitive transfers.
- Real-Time Transfer Tracking. Remitly lets both you and your recipient track the status of a transfer step-by-step through the app or website, similar to tracking a package.
- 24/7 Customer Support. Remitly provides round-the-clock support via live chat and phone in multiple languages, aiding users who need help at any time.
It is worth noting that some people feel like Remitly has a rather confusing fee structure. So, while the free first transfer is great and all, make sure you understand the associated transfer cost if you plan to use the service long term.
7. Revolut - App-Based Euro Transfers Within the EU
Ranks #7 out of 7 Money Transfer Services
- + Instant transfer (for Revolut users)
- + Multi-currency wallet
- + Earning options
- + Built-in budgeting tools
- + Stock trading
- - Weekend exchange rate markup
- - Limited perks
- - No full banking features
Sometimes you need something that offers more than a money transfer service, and that’s where Revolut fits in nicely. While it’s not a dedicated remittance app, Revolut combines everyday banking features with international transfers, making it a practical option for sending money to Croatia, especially within Europe.
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Table: Available transfer methods in Revolut
Revolut works smoothly in Croatia thanks to SEPA. You can transfer money to a Croatian bank account using an IBAN, usually with low or no fees for EUR transfers, depending on your plan. Transfers within the EU are often processed quickly, sometimes arriving the same or next business day.
If both you and the recipient use Revolut, sending money is even faster, often instant and free, using just a phone number or username.
Additionally, Revolut lets you hold and exchange Euros at competitive rates, which is useful if you’re sending money from a non-EUR balance. That said, free plans come with limits on fee-free FX, and weekend markups can apply, so it’s worth checking the details before sending larger amounts.
Key Features
Earlier, I mentioned that Revolut offers more than a money transfer service. So, what are those features? Let's take a look:
- Investment Options. Revolut lets you buy and hold stocks, ETFs, and, in some regions, cryptocurrencies directly within the app. This helps you grow your savings or experiment with investing alongside your everyday banking and money transfer tools.
- Instant Peer-to-Peer Transfers. Send money instantly to other Revolut users using a phone number, username, or QR code.
- Budgeting & Analytics Tools. Built-in features help you track spending, set budgets, and categorize transactions to manage your finances better.
- Travel Perks. Revolut gives you access to added benefits like travel insurance, airport lounge access, and fee-free ATM limits on higher-tier plans.
As you can see, Revolut can be a nice all-in-one option for those who look for more than just a money transfer platform. Keep in mind, though, that the service is only available in 48 regions at the time of writing. So, make sure that your country is within its supported regions list.
How to Send Money to Croatia from the UK
Now let's talk about the best way to send money to Croatia from several popular corridors, starting with the UK. Fun fact: many UK residents send money to Croatia as self-funding for long-term stays. This is mainly because Croatia was one of the first European countries to launch a dedicated "Digital Nomad Visa", and UK citizens have been among its top applicants post-Brexit.
This influx of high-earning remote workers has turned what was once a seasonal tourism route into a consistent, year-round flow of high-value transfers.[1]
Common Transfer Methods | SEPA bank transfers, fintech transfers, and cash pickup |
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Typical Speed | Instant - 2 business days, depending on the method |
Common Fees | £0-£20+ |
Legal Transfer Limit | No fixed legal limit, but cash transactions over €10,000 in Croatia are subject to reporting |
Table: Essential information about the UK-Croatia corridor
The infrastructure for this corridor has also improved in the last couple of years. Before 2023, transfers in this corridor were subject to a double conversion: GBP to EUR to HRK. But now in 2026, because Croatia is a full SEPA Instant member, a transfer from a UK-based Euro account to a Croatian bank, like Zagrebačka banka, typically arrives in under 10 seconds.[2]
One thing to note is that some providers may apply worse exchange rates over weekends when markets are closed. So, if timing isn’t urgent, sending on a weekday can result in better value. Or, opt for services like Ogvio that won't be affected by the traditional weekend markup.
That being said, here is how to send money to Croatia from the UK using Ogvio:
That's it! I honestly think that Ogvio offers one of the easiest ways to send money to Croatia. You don't have to type in a long and complex IBAN. There is no need to worry about mistyping the number and transferring it to the wrong person.
That said, Ogvio also lets you transfer money to Croatian bank accounts. The fee is competitive, and your money will arrive quickly since Ogvio is using the SEPA instant method. So you always have an option depending on your needs and situation.
How to Send Money from the USA to Croatia
Another corridor worth highlighting in this guide is the US. Since many states in the US are huge melting pots, it just makes sense that many people would want to send money abroad, including to Croatia. In fact, the US is among the top 10 countries[3] sending money to the country.
However, you need to keep in mind that ACH transfers from US banks usually take longer than alternatives like card-funded payments. While they’re cheaper, it’s normal for transfers to Croatia to take a few business days, especially on first use.
Common Transfer Methods | Bank transfers, card-funded transfers, fintech apps, and cash pickup options |
|---|---|
Typical Speed | Instant - 3 business days, depending on the method |
Common Fees | $0-$10+ |
Legal Transfer Limit | ✗ |
Table: Essential information about the US-Croatia corridor
You may also consider using cash pickup services for your transfers. While it is definitely an option, as I mentioned above, most recipients in Croatia prefer bank deposits or digital wallets. Cash pickup is typically used only in special cases.
So, what's the alternative? You can actually consider sending money as cryptocurrency, which can be a lot cheaper and faster in many cases. Thankfully, Ogvio allows you to do this. Here is how to send money to Croatia as cryptocurrency using Ogvio:
To learn more about how to create a new Ogvio account, check out the previous section about sending money from the UK to Croatia.
This method is a great option if you're looking into sending money to someone without a bank account. What's great is that if you do this on Ogvio, you don't even have to pay for the network fee since the platform will cover it for you. Just make sure that your recipient's wallet supports USDC on Base.
The Cheapest Way to Send Money to Croatia
I've shown you some of the best ways to send money to Croatia, and I understand if that was a lot. Since there are so many factors to consider, sometimes it can be easy to get distracted from arguably the most important aspect of them all: the cost.
Because of that, finding the cheapest way to send money to Croatia would be the top priority for most people. So, here are my top 3 recommended platforms that can help you save on cost when sending money to Croatia:
- Ogvio. Sending money to another Ogvio account or via crypto transfer is completely free on Ogvio, making it one of the cheapest ways to send money to Croatia.
- Wise. Wise offers one of the lowest fees due to its real mid-market exchange rate, which is why many people use it to send money abroad. Just make sure that your recipient also owns a Wise account to avoid additional fees.
- Remitly. If you want to send a one-time transfer to Croatia, then platforms like Remitly that run fee discount programs for new users can be a good option. Your first transfer is often free, so you can utilize it to cut on cost.
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Table: Pricing comparison between Ogvio, Wise, and Remitly
As you can see, I can't give you a definitive "the cheapest" solution to send money to Croatia. It really depends on your needs and your preferred method. That being said, I believe these three platforms can give most people great chances to save their money on transfers.
But again, nothing beats doing your own research. So, don't rush things and take your time to examine each platform and see how it works.
Conclusions
So, what is the best way to send money to Croatia? I've covered seven notable platforms and service providers, including Ogvio, Wise, and Western Union. Honestly, each of them can be a great option depending on your needs and preferences. Because of that, the key is to understand what you truly want and expect from these platforms.
Do you want a seamless and affordable money transfer experience? A widely accepted app that gives you a buyer and seller protection features? Or do your family in Croatia prefer getting money via cash pickup? Depending on these factors, the best app to send money to Croatia for you may be different from that of other people.
If you want to experience fast, reliable, and affordable transfers to Croatia and 160+ other countries, check out Ogvio for yourself!
Taking a few minutes to compare fees, exchange rates, delivery methods, and convenience can make a real difference in overall experience. Once you match the service to your specific needs, sending money to Croatia becomes far simpler and more predictable.
Scientific References
1. The Organisation for Economic Co-operation and Development: 'International Migration Outlook 2025';
2. European Central Bank: 'Payments statistics: first half of 2025';
3. Croatia Week: 'Foreign workers send nearly €1.6 billion out of Croatia in 9 months'.
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