Best brokers in Croatia

Checked on 28 September 2026. 9 brokers accept someone resident in Croatia. What each one charges and how your assets are protected:

• Bitpanda: European ETF €1, investor protection up to €20,000.
• eToro: European ETF 0%, investor protection up to €20,000.
• Freedom24: European ETF €2 + €0.02 per share, investor protection up to €20,000.
• Interactive Brokers: European ETF Fixed: 0.05% (min. €3); Tiered: 0.05% (min. €1.25), interest on uninvested cash 1.93%, investor protection up to €20,000.
• Lightyear: European ETF 0%, investor protection up to €20,000.
• Revolut: European ETF €1, investor protection up to €22,000.
• Saxo: European ETF 0.08% (min. €2), investor protection up to €20,000.
• Trading 212: European ETF 0%, interest on uninvested cash 2.50% to 3.50%, investor protection up to €20,000.
• XTB: European ETF 0%, interest on uninvested cash 1.10%, investor protection up to €20,100.

Four of them charge nothing to buy a European ETF: eToro, Lightyear, Trading 212 and XTB. The highest advertised interest on uninvested cash is 2.50% to 3.50% at Trading 212. Fees are the published retail prices. Currency conversion, custody and transfer costs are in the table above.

What to know if you live in Croatia

Dividends and capital gains are taxed at 12%. A Croatian payer withholds on dividends (Porezna uprava). A broker abroad withholds nothing Croatian, so you report the gains yourself on Obrazac JOPPD by the end of February and any foreign income on Obrazac INO-DOH by 31 January. Gains are reduced by the losses you realised in the same year, and nothing is filed when total gains are under €16.70 (Porezna uprava).

The holding period still matters: the law does not tax a disposal made more than two years after the asset was acquired (čl. 67 st. 8 Zakona o porezu na dohodak). If a firm fails, the investor protection system covers up to €20,000 (HANFA).