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The SWIFT code for HRVATSKA NARODNA BANKA (CROATIAN NATIONAL BANK) is NBHRHR2XECM

While the main HRVATSKA NARODNA BANKA (CROATIAN NATIONAL BANK) SWIFT code (ending in XXX) can be used for general transfers, using the branch-specific code NBHRHR2XECM ensures your funds are routed directly to the ZAGREB clearing system. This reduces manual processing at the head office and can speed up your transfer by up to 24 hours.

Bank Information
NBHRHR2XECM
Bank Name HRVATSKA NARODNA BANKA (CROATIAN NATIONAL BANK)
Bank Address TRG HRVATSKIH VELIKANA 3, ZAGREB, GRAD ZAGREB, 10000
City ZAGREB
Postcode 10000
Country
🇭🇷 Croatia
Bank Code NBHR
Country Code HR
Location Code 2X
Branch Code ECM
Data Verified: May 2026

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Sending Money to HRVATSKA NARODNA BANKA (CROATIAN NATIONAL BANK) in ZAGREB

Follow these three steps to ensure your international wire transfer reaches the correct account at the ZAGREB branch without delays or hidden intermediary fees.

  1. Step 1: Collect Recipient Details. You will need the full legal name of the account holder and their IBAN (International Bank Account Number). For Croatia, IBANs typically start with the prefix HR.
  2. Step 2: Enter the SWIFT/BIC Code. When prompted by your banking app or wire service, enter NBHRHR2XECM. This unique 11-character identifier ensures the funds are routed specifically to the HRVATSKA NARODNA BANKA (CROATIAN NATIONAL BANK) systems in ZAGREB.
  3. Step 3: Confirm the Transfer Method. If you are sending from within Europe, select SEPA for lower fees and faster delivery. For transfers from outside the EU (e.g., USA, India, or Australia), ensure you select SWIFT/International Wire and double-check if your bank requires an intermediary bank for Croatia transactions.

Where can I find my SWIFT/BIC code?

You can find your SWIFT/BIC code in several easy-to-locate places:

  • On your bank statements, either printed or online.
  • Inside your online banking portal, under account information.
  • On your bank’s official website, usually in their international banking or FAQ section.
  • By directly contacting your bank’s customer service.

Online resources like SWIFT Codes Finder can be really helpful.

Example of transaction information

  1. Beneficiary Name: [Recipient Name]
  2. Bank: [Bank Name]
  3. SWIFT/BIC Code: [SWIFT Code]
  4. Bank Address: [Street, City, Country]
  5. Account Number/IBAN: [Account Number or IBAN]

Frequently Asked Questions

Should I use this specific code or the HRVATSKA NARODNA BANKA (CROATIAN NATIONAL BANK) head office code?

While the HRVATSKA NARODNA BANKA (CROATIAN NATIONAL BANK) head office code (ending in XXX) is often accepted, using NBHRHR2XECM is the best way to ensure your money reaches the ZAGREB branch directly. By using the branch-specific code, you bypass the central sorting queue at the head office, which can often speed up the processing of your international transfer by a full business day.

Can I receive international payments at the branch in ZAGREB?

Yes, the office in ZAGREB is fully equipped to receive international wire transfers via the SWIFT network. To ensure the funds are credited correctly, you must provide the sender with the SWIFT/BIC code NBHRHR2XECM and your full IBAN associated with your account at this location.

What is the correct address for a wire transfer to ZAGREB?

When you are asked for the "Beneficiary Bank Address" on a wire transfer form, you should provide the specific physical location in ZAGREB to ensure a smooth verification process:

HRVATSKA NARODNA BANKA (CROATIAN NATIONAL BANK)
TRG HRVATSKIH VELIKANA 3, ZAGREB, GRAD ZAGREB, 10000, 10000, ZAGREB, Croatia

How long does it take for money to arrive at this Croatia location?

Typically, an international transfer to the branch in ZAGREB takes between 1 and 3 business days. To avoid delays, ensure the sender uses the specific code NBHRHR2XECM. Transfers initiated on weekends or during local public holidays in Croatia may take slightly longer to reflect in your account.

What happens if I use the SWIFT code for the wrong branch?

If you accidentally use a code for a different HRVATSKA NARODNA BANKA (CROATIAN NATIONAL BANK) location instead of the one in ZAGREB, your money is rarely lost. Instead, the bank will usually perform a "manual repair" to route the funds to the correct account based on your IBAN. However, this manual intervention often incurs a small additional fee and can delay the deposit by 24 to 48 hours.

Is this the same as the IBAN for my account in ZAGREB?

No. The SWIFT code NBHRHR2XECM identifies the HRVATSKA NARODNA BANKA (CROATIAN NATIONAL BANK) branch in ZAGREB, whereas your IBAN identifies your specific, individual bank account. For a successful international transfer, you must provide both pieces of information to the sender.