FakecreditcardReal BINs from banks in Croatia
The generator above is preset with BIN 511779, a Mastercard credit range of Erste & Steiermarkische Bank D.D. Click "Use" next to any other bank to switch; the BIN stays fixed while the rest of the Mastercard number is random, closed by a Luhn digit.
| BIN | Issuer | Network | Type · level | Use this BIN |
|---|---|---|---|---|
| 511779 | Erste & Steiermarkische Bank D.D. | Mastercard | Credit · Standard | Use |
| 540288 | Zagrebacka Banka D.D. | Mastercard | Credit · Business | Use |
| 402286 | OTP Banka D.D. | Visa | Credit · Classic | Use |
| 510156 | Raiffeisenbank Austria D.D. | Mastercard | Credit | Use |
| 402991 | Addiko Bank D.D. | Visa | Credit | Use |
| 528222 | Hrvatska Postanska Banka D.D. | Mastercard | Credit · Business | Use |
| 414086 | Privredna Banka Zagreb D.D. | Visa | Debit · Classic | Use |
| 430455 | Zagrebacka Banka DD | Visa | Debit · Classic | Use |
One representative Visa/Mastercard range per major bank. All 483 BINs with a named issuer are in the Croatia BIN list.
Largest card issuers in Croatia
The 10 banks with the most BINs in the data, out of 29 named issuers. DC Adriatic, Erste & Steiermarkische Bank and Zagrebacka Banka alone account for 62% of the named BINs in Croatia. Each bank with ten or more BINs has a page listing all of them.
| Issuer | BINs | Main network | Debit |
|---|---|---|---|
| DC Adriatic | 194 | Diners Club | 5% |
| Erste & Steiermarkische Bank D.D. | 78 | Mastercard | 38% |
| Zagrebacka Banka D.D. | 29 | Mastercard | 38% |
| OTP Banka D.D. | 25 | Visa | 32% |
| Raiffeisenbank Austria D.D. | 20 | Mastercard | 40% |
| Addiko Bank D.D. | 17 | Visa | 29% |
| Hrvatska Postanska Banka D.D. | 13 | Visa | 62% |
| PBZ Card | 13 | American Express | 0% |
| Privredna Banka Zagreb D.D. | 12 | Visa | 67% |
| Zagrebacka Banka DD | 11 | Visa | 73% |
Card networks and card types in Croatia
Our BIN data lists 521 BINs registered to Croatia, 483 of them with a named issuer across 29 banks. Diners Club is the most common network (41% of the BINs), followed by Visa (25%). Credit ranges outnumber debit ranges 376 to 145. Visa and Mastercard hold a similar number of ranges. 27 ranges are prepaid or gift products and 118 are business, corporate or commercial cards.
| Network | BINs | Share | Debit | Credit |
|---|---|---|---|---|
| Diners Club | 212 | 41% | 10 | 202 |
| Visa | 130 | 25% | 56 | 74 |
| Mastercard | 113 | 22% | 30 | 83 |
| Maestro | 49 | 9% | 49 | 0 |
| American Express | 15 | 3% | 0 | 15 |
| Discover | 2 | less than 1% | 0 | 2 |
Most common product levels: Personal (169), Business (97), Standard (62), Classic (52), Prepaid (16).
Payment testing notes for Croatia
- Currency: EUR (euro). Most gateway APIs expect amounts in the smallest unit, for example 1050 for 10.50.
- Card authentication: PSD2 strong customer authentication (Delegated Regulation (EU) 2018/389, in effect since 14 September 2019) applies to customer-initiated online card payments in the EEA; cards meet it through 3-D Secure, with exemptions for some low-risk and merchant-initiated payments. Source
- Card country: Fraud rules often compare the BIN country (HR) with the shopper's IP address and billing address. Use a BIN from Croatia for the domestic path and a foreign BIN for cross-border rules.
- Debit vs credit: Only 28% of the BINs from Croatia are debit ranges — fewer than in 55 of the 62 other countries we cover. Card type matters for surcharges, installment plans and stored-card billing: test each.
- Billing details: postcodes in Croatia are 5 digits (e.g. 10000); phone numbers use +385 — Mobile numbers start with 09 and have 9 or 10 digits incl. the 0 (09x xxxx xxx).
- Croatia replaced the kuna with the euro on 1 January 2023.
Paying online in Croatia: local methods and gateways
Cards are only part of the picture. These payment methods are popular in Croatia and usually sit next to the card form at checkout:
- KEKS Pay (wallet) — Erste Bank's mobile app for sending and receiving money and paying participating merchants, offered by web shops next to cards and cash on delivery. Source
- Cash on delivery (pouzeće) (cash voucher) — Paying the courier on delivery remains a standard web-shop option in Croatia. Source
- PayPal (wallet) — PayPal wallet, available to Croatian businesses and buyers. Source
Payment gateways developers commonly integrate for Croatia, with their official sandbox docs:
| Gateway | About | Test cards |
|---|---|---|
| CorvusPay | Croatian payment institution licensed by the Croatian National Bank (cards, Apple Pay, Google Pay, pay-by-link, PSD2 payment initiation); sandbox available. | – |
| PayWay (Hrvatski Telekom) | Croatian card payment gateway from Hrvatski Telekom, available as a provider on site builders such as Wix. | – |
| Stripe | Available to Croatian businesses; test cards in its testing docs. | Stripe test cards |
Card generators for other countries
← Generators for other countries · Croatia BIN list · BIN generator · BIN checker
BIN data: bin-list-data by Venelin Kochev (a lite version of binlookup.io), licensed under CC BY 4.0. Changes made by Fakecreditcard: issuer, brand and country names re-cased and standardized, spelling variants of the same issuer merged, malformed phone numbers and web addresses removed.
Frequently asked questions
Can I generate a Croatia credit card number for testing?
Yes — it is preset for Croatia: numbers begin with 511779 from Erste & Steiermarkische Bank D.D and end with a valid Luhn digit, so they pass format checks for a Croatia card. Nothing is attached to them, so any real charge is declined.
Which card networks are most common in Croatia?
By BIN count in our data: Diners Club 41%, Visa 25%, Mastercard 22%, Maestro 9%. Debit ranges make up 28% and credit ranges 72%.
Which BINs do Visa cards from Croatia start with?
Examples from different banks: 402286 (OTP Banka D.D.); 402991 (Addiko Bank D.D.); 414086 (Privredna Banka Zagreb D.D.); 430455 (Zagrebacka Banka DD). See the Croatia BIN list for every bank.
Which currency should I use to test payments from Croatia?
EUR (euro). Gateway APIs usually expect amounts in the smallest unit (for example 1050 for 10.50). Also test a foreign-currency charge on a Croatia BIN: the issuer converts it, which some checkouts display differently.
Are these Croatia card numbers real? Can I pay with them?
No. The first six digits are real Croatia bank prefixes, the rest is random, so the number belongs to nobody and every live payment fails. For real online payments in Croatia, ask your bank for a virtual card or a wallet such as KEKS Pay and PayPal. Testing a checkout? Use your gateway’s sandbox test cards.
How do people pay online in Croatia besides cards?
KEKS Pay: Erste Bank's mobile app for sending and receiving money and paying participating merchants, offered by web shops next to cards and cash on delivery. Cash on delivery (pouzeće): Paying the courier on delivery remains a standard web-shop option in Croatia. PayPal: PayPal wallet, available to Croatian businesses and buyers.