Croatia

Learn all about the mobile payment market in Croatia.

The below-shown information about market share and demographics is approximate.

Mobile Payment Billing Types

Service Types Allowed

  • One-time billing
  • Subscription/ABO, One-time billing, Chat
  • Pay per call, Pay per minute
  • One-time billing

Mobile Operator Market Share

  • Hrvatski Telekom
    46 %
  • A1 Hrvatska
    35 %
  • Telemach Hrvatska
    19 %

VAS Market Share

  • Hrvatski Telekom
    43 %
  • A1 Hrvatska
    36 %
  • Telemach Hrvatska
    21 %

Excluding virtual MNOs*

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Country Demographic Facts

  • Population: 3,98 mil
  • Language(s): Croatian
  • Currency: Euro
  • VAT rate: 25,00%
  • GDP per capita: 18.570 USD
  • Mobile subscribers: 4,48 mil
  • Mobile penetration: 126,00%
  • Smartphone penetration: 97,00%

Mobile Payment Service Specifics

  • Adult services allowed
  • Notification message for each 20€ spent
  • Age verification control
  • Prize games allowed (License required)
  • Special number for prize games ( 60 xxx)
  • Specific numeration per category
  • Donations allowed
  • Croatian language mandatory in advertisment
  • Premium voice numbers integration simple, fast and with low fees
  • Double opt-in required for one time service over 1€
  • Top payout shares on premium voice numbers

Country Relevant Authorities

Croatian Post and Electronic Communications Agency (HAKOM)
Croatian regulator for telecomunication and post services
Ministry of Finance
Croatian government body, receives and approves requests for prize games
Consumer protection
Croatian government body for protection of consumer rights

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