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Capital Zagreb -
Urban population 59.3% -
Population 3.8 M -
Median age 45.3 Yr
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GDP 82.7 Bn USD -
Official language Croatian -
Currency EUR
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E-commerce market revenue 2.7 Bn USD -
E-commerce growth 21.5%
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Online shopping habits Wallets are the preferred method of online payment for the majority of Croatians.
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People with mobile phone (% age 15+)95%
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People with internet access (% age 15+)90.7%
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People with bank account (% age 15+)91.8%
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People with debit card (% age 15+)67.5%
- Card payments
- Online banking
- Wallets
- Other
Croatia offers a number of opportunities international merchants wishing to expand their business into new markets:
● With regards to payments, mobile wallets solutions further grow in market share. Especially since local wallet solutions like KEKS Pay or Aircash offer not just the ability to pay at online- and offline merchants but develop into a “super-app” with in-app payments for parking or public transport, to easily pay for insurances or concert tickets and also offer peer-to-peer payment solutions.
● Croatian digital infrastructure is well developed: Over 90% of the adult population have access to the Internet and over 95% use mobile phones.
● With the introduction of the EUR in Jan 2023, cross-border online shopping got easier for Croatians and is expected to grow.
Today, Croatia is one of fast growing E-commerce markets in the region and offers excellent opportunities for international merchants both for digital and physical goods.
