Croatia Introduces the Euro on January 1, 2023.

Notice regarding the introduction of the euro

The introduction of the euro is an important matter and we want you to know the news in time. In our notifications (by e-mail or post), you will receive all important information about the process of introducing the euro.

In accordance with the positive assessment of the European Commission, the Council of the European Union adopted the Decision on the adoption of the Euro in Croatia from January 1, 2023 and the regulation according to which the fixed conversion rate of Kuna to Euro is established at 1.00 EUR = 7.53450 HRK.

Calculation Rules

On the day of the Euro adoption, all Kuna amounts in your deposit, savings and transaction accounts, loans and other financial statements will be automatically converted into Euro using the fixed conversion rate.

No fee is charged for recalculation and the unique account number is not changed.

Also, the adoption of the Euro as the official currency does not affect the validity of existing contracts and legal instruments in which Kuna is specified as currency.

The calculated amounts will be rounded to two decimal places, in accordance with the mathematical rules of rounding:

  • if the third decimal place is less than five, the second decimal place remains unchanged (for example, HRK 100 = EUR 13.27228, rounded to EUR 13.27) and
  • if the third decimal is equal to or greater than five, the second decimal is increased by one (for example, HRK 50 = EUR 6.63614, rounded to EUR 6.64).

Conversion calculation

Incorrect entry. Please enter numbers and a period symbol as the decimal point.
Calculated amount:
Fixed conversion rate: 7,53450

Dual Circulation

After the Euro adoption, from January 1 until January 14, 2023, there will be a period of dual circulation. During this period, it will be possible to pay in cash in both Kuna and Euro, while any balance will be returned in Euro.

Dual Pricing

The period of dual pricing begins no later than September 5, 2022, and ends on January 1, 2024.

The bank will use double pricing for the following prices and monetary amounts:

Fees for products and services (found in the Excerpt from the Decision on Fees and Excerpts from the Catalog, which are available in branches and on the website).

In George online banking service for transaction account used for Kuna transactions until December 31, 2022 (account balance and overdraft amount or available balance on at least one menu/screen in the account view).

In the case of a consumer loan agreement in Kuna that was approved or offered before the day of Euro adoption – the total amount of the loan and the amount of instalments or annuities in the repayment plan and in the European Standardized Information Sheet (ESIS).

In the annual notification on the balance of deposits in Kuna* deposit balance.

* Annual notifications are sent pursuant to Credit Institutions Act.

Report on transaction account balance and turnover that is intended for HRK transactions until December 31, 2022, including the initial and final account balance and the overdraft amount.

When withdrawing cash at Erste Bank's ATMs, for the amounts shown on the selection screen and when requesting account balance and printout, if the client is withdrawing cash from an Erste Bank account.

In the annual notification on the Kuna loan balance* balance of overdue debt and overdue unpaid debt.

  * Annual notifications are sent pursuant to Credit Institutions Act.

Changes Due to Euro Adoption

Multicurrency Account

You can find more informations on  Multicurrency Account.

Erste Bank joined the Code of Ethics for the introduction of the euro as the official currency in the Republic of Croatia, to support a reliable and transparent introduction of the euro.

Additional information

Call us at:  0800 7890

For calls from abroad: +385 51 365 591

You can find all related information on


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