E-Money & Payment Services Compliance Services in Croatia
At ABM Global Compliance, we help payment institutions establish practical compliance frameworks, strengthen governance, manage regulatory risk, and maintain ongoing compliance with Croatian and European regulatory requirements throughout the regulatory lifecycle. By strengthening these foundations, Electronic Money Institutions and Payment Institutions can reduce regulatory risk, improve operational resilience, and build lasting confidence with the HNB, customers, and business partners.
Supporting Payment Institutions & Electronic Money Institutions Across Croatia
Electronic Money Institutions (EMIs), Payment Institutions (PIs), and payment service providers operating in Croatia are regulated primarily under Croatia’s Payment System Act (Zakon o platnom prometu), which implements Directive (EU) 2015/2366 (PSD2) into Croatian law. Partner with ABM to strengthen your E-Money & Payment Services Compliance framework and navigate Croatia’s evolving regulatory landscape with confidence.
Firms must also comply with Croatia’s Anti-Money Laundering and Terrorist Financing Act, the Digital Operational Resilience Act (DORA) where applicable, and other relevant European payment services legislation, including ongoing European reforms under PSD3 and the Payment Services Regulation (PSR). Success within Croatia’s payment services sector depends on effective governance, proactive compliance, and strong operational controls.
Our E-Money & Payment Services Compliance Services
The Payment System Act requires payment institutions to maintain an effective and reliable governance system proportionate to the nature, scale, and complexity of their activities. Firms must maintain sound governance, effective risk management, safeguarding arrangements, internal controls, and robust compliance programmes.
Licence applications, regulatory authorisations, and cross-border passporting for EMIs and PIs with the HNB.
Compliance monitoring, regulatory advisory, compliance health checks, and regulatory change management services.
Governance, Risk & Controls for payment and e-money institutions across Croatia’s regulated financial market.
AML/CFT compliance, customer due diligence, sanctions compliance, fraud prevention, and financial crime governance.
Internal Audit & Assurance for payment and e-money institutions across Croatia’s regulated financial market.
Practical training covering payment services regulation, AML/CFT, governance, operational resilience, and regulatory developments.
Ready to Strengthen Your Compliance?
Why Payment Institutions in Croatia Choose ABM
Croatian Regulatory Expertise
Croatian Regulatory Expertise for payment and e-money institutions across Croatia's regulated financial market.
Practical Compliance Solutions
Practical Compliance Solutions for payment and e-money institutions across Croatia's regulated financial market.
Tailored Support and Delivery
Every engagement is customised to your business model, payment services, and regulatory obligations.
Building a Strong Payment Services Compliance Framework
Success within Croatia’s payment services sector depends on effective governance, proactive compliance, and strong operational controls. By strengthening these foundations, Electronic Money Institutions and Payment Institutions can reduce regulatory risk, improve operational resilience, and build lasting confidence with the HNB, customers, and business partners.
Compliance advisory, regulatory reporting, and financial crime frameworks for banks and credit institutions.
MiFID II, market abuse, and transaction reporting support for capital markets participants.
Authorisation, governance, and ongoing compliance support built around your investment firm obligations.
Practical compliance frameworks for asset managers, AIFMs, and UCITS management companies alike.
Licensing, safeguarding, and operational compliance support for payment institutions across EU markets.
EMI authorisation, safeguarding arrangements, and ongoing regulatory reporting support across the EU.
Regulatory guidance that keeps innovative business models compliant from launch through scale.
MiCA, DORA, and digital asset compliance for Europe’s next generation of finance.
Trusted and Loved by Our Clients Across the Europe
Businesses across Europe trust ABM to guide their licensing, strengthen their frameworks, and keep their compliance on track. Here is what founders, compliance officers, and executives say about working with our team.
Years Of Expertise
Trusted Expert Guidance, Just One Message Away
Tell us about your business and regulatory needs. One of our compliance specialists will respond within one working day with clear, practical next steps.
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Book Your Consultation
A confidential conversation about your licensing plans, compliance challenges, or regulatory questions, with no obligation attached.
Your Questions Answered
Who licenses EMIs and PIs in Croatia?
The Croatian National Bank (HNB) authorises Electronic Money Institutions under the Electronic Money Act and Payment Institutions under the Payment System Act, supervising governance, safeguarding, and financial crime controls.
What is safeguarding and why does it matter?
Safeguarding keeps customer funds protected if the institution fails, through segregation or insurance and daily reconciliation. The HNB treats safeguarding weaknesses as among the most serious findings.
How long does authorisation take in Croatia?
Most Croatian authorisations run several months to a year from submission, plus preparation. Complete, well-evidenced applications with credible governance move through review meaningfully faster.
Do you support firms after authorisation?
Yes. Most of our work is ongoing: compliance monitoring, regulatory change management, policy updates, reporting support, independent reviews, and training throughout the supervisory relationship.
Are your services advisory only?
Yes, deliberately. ABM Global Compliance never operates regulated businesses or holds client funds. We build, strengthen, and review your compliance arrangements while you remain the regulated operator.