Best savings accounts in Croatia

Checked on 28 September 2026. 9 savings accounts, term deposits and money market funds from 8 providers accept someone resident in Croatia. The three highest rates:

• bunq, Easy Savings at 3.01%, instant access, no minimum, deposit guarantee: Netherlands, up to €100,000.
• Trading 212, Interest on cash (Trading 212 Markets Ltd) at 2.50%, instant access, no minimum, investor compensation: Cyprus ICF, up to €20,000, which is not a deposit guarantee.
• Revolut, Instant Access Savings at 2.50%, instant access, no minimum, deposit guarantee: Lithuania, up to €100,000.

5 of the 9 are covered by a national deposit guarantee scheme. The best rate you can withdraw at any time is 3.01% at bunq, and the best fixed term is 2.50% at BluOr Bank. Rates are variable unless the entry says the term is fixed.

What to know if you live in Croatia

Deposits are covered up to €100,000 per depositor per credit institution, and up to €130,000 in total for three months when the money comes from the sale of the home you lived in, a marriage or divorce, retirement, the end of a job, disability, illness or death, or an insurance or compensation payment (HAOD).

Interest is taxed at 12%, deducted by the payer when it is paid or credited, so a Croatian bank withholds it. Interest on accounts paying 0.5% a year or less is exempt, as is interest on bonds (Porezna uprava). Interest from a bank in another country has no Croatian payer behind it, so you report it yourself on Obrazac INO-DOH by 31 January for the previous year.