(window.webpackJsonp=window.webpackJsonp||[]).push([[36],{340:function(a,e,t){"use strict";t.r(e);var n=t(10),r=Object(n.a)({},(function(){var a=this,e=a._self._c;return e("ContentSlotsDistributor",{attrs:{"slot-key":a.$parent.slotKey}},[e("h1",[a._v("Open Banking Specifics in Croatia")]),a._v(" "),e("h2",{attrs:{id:"authentication-flows-and-sca"}},[e("a",{staticClass:"header-anchor",attrs:{href:"#authentication-flows-and-sca"}},[a._v("#")]),a._v(" Authentication flows and SCA")]),a._v(" "),e("p",[a._v("Croatian ASPSPs follow the "),e("strong",[a._v("redirect‑based authorisation model")]),a._v(" mandated by PSD2.")]),a._v(" "),e("ul",[e("li",[a._v("When the consent or payment initiation is started on a mobile device that already has the bank's\napp installed, users are automatically bounced to the app to approve the request.")]),a._v(" "),e("li",[a._v("On desktop (or if a mobile device the bank's app is not installed), customers are shown the\nbank's web login page and typically approve with an OTP generated by the same mobile app (or, for\nlegacy users, a hardware token).")])]),a._v(" "),e("p",[a._v("This pattern is identical across the large retail banks and is specified in the Croatian Banking\nAssociation's national implementation of the Berlin Group NextGenPSD2 profile.")]),a._v(" "),e("h2",{attrs:{id:"major-banks-aspsps"}},[e("a",{staticClass:"header-anchor",attrs:{href:"#major-banks-aspsps"}},[a._v("#")]),a._v(" Major Banks (ASPSPs)")]),a._v(" "),e("p",[a._v("The most widely used Croatian ASPSPs, in order of significance, are:")]),a._v(" "),e("ul",[e("li",[e("a",{attrs:{href:"#zagrebacka-banka"}},[a._v("Zagrebačka banka")])]),a._v(" "),e("li",[e("a",{attrs:{href:"#privredna-banka-zagreb"}},[a._v("Privredna banka Zagreb")]),a._v(" (PBZ)")]),a._v(" "),e("li",[e("a",{attrs:{href:"#erste-bank"}},[a._v("Erste Bank")])]),a._v(" "),e("li",[e("a",{attrs:{href:"#otp-banka"}},[a._v("OTP banka")])]),a._v(" "),e("li",[e("a",{attrs:{href:"#raiffeisenbank-austria"}},[a._v("Raiffeisenbank Austria")]),a._v(" (RBA)")])]),a._v(" "),e("p",[a._v("A complete list of Croatian ASPSPs is available "),e("a",{attrs:{href:"https://enablebanking.com/open-banking-apis?country=HR",target:"_blank",rel:"noopener noreferrer"}},[a._v("here"),e("OutboundLink")],1),a._v(".")]),a._v(" "),e("h2",{attrs:{id:"payment-specifics"}},[e("a",{staticClass:"header-anchor",attrs:{href:"#payment-specifics"}},[a._v("#")]),a._v(" Payment Specifics")]),a._v(" "),e("p",[a._v("Since 1 January 2023 Croatia's local currency is "),e("strong",[a._v("EUR")]),a._v(", thus "),e("strong",[a._v("SEPA Credit Transfer (SCT)")]),a._v(" is\nsupported by all Croatian banks via their open‑banking APIs. National instant payment system\n"),e("strong",[a._v("EuroNCSInst")]),a._v(" is used by all Croatian banks. The system enables it participants a full\nreachability and interoperability with TIPS.")]),a._v(" "),e("h2",{attrs:{id:"specifics-per-aspsp"}},[e("a",{staticClass:"header-anchor",attrs:{href:"#specifics-per-aspsp"}},[a._v("#")]),a._v(" Specifics per ASPSP")]),a._v(" "),e("h3",{attrs:{id:"zagrebacka-banka"}},[e("a",{staticClass:"header-anchor",attrs:{href:"#zagrebacka-banka"}},[a._v("#")]),a._v(" Zagrebačka banka")]),a._v(" "),e("p",[a._v("SCA for both account information and payment initiation services is performed with the "),e("strong",[a._v("m‑zaba")]),a._v("\nmobile banking app. From "),e("strong",[a._v("15 Feb 2024")]),a._v(" the bank retired physical tokens; mToken inside m‑zaba is\nnow the only authentication method. On the mobile devices there is an option to authenticate using\nthe "),e("strong",[a._v("m-zaba")]),a._v(" app without the need to enter credentials. If the "),e("strong",[a._v("m-zaba")]),a._v(" app is not installed\non the device from which authentication is performed, users need to enter the serial number of\nthe token and generated OTP.")]),a._v(" "),e("h3",{attrs:{id:"privredna-banka-zagreb"}},[e("a",{staticClass:"header-anchor",attrs:{href:"#privredna-banka-zagreb"}},[a._v("#")]),a._v(" Privredna banka Zagreb")]),a._v(" "),e("p",[a._v("For SCA in the PSD2 channel private customers of Privredna banka Zagreb (PBZ) can use #withKEY\nfunctionality of the "),e("strong",[a._v("PBZ")]),a._v(" mobile app, the "),e("strong",[a._v("PBZ mToken")]),a._v(" mobile app, or the EMV CAP/DPA hardware\ntoken. Business customers can also use Fina digital certificates. Users are required to input their\ncredentials when authenticating in the PSD2 channel.")]),a._v(" "),e("h3",{attrs:{id:"erste-bank"}},[e("a",{staticClass:"header-anchor",attrs:{href:"#erste-bank"}},[a._v("#")]),a._v(" Erste Bank")]),a._v(" "),e("p",[a._v("Users of the bank's Open Banking interface are redirect to the web page requiring input of\ncredentials for either a hardware authentication token or mToken available in the "),e("strong",[a._v("Erste mBanking")]),a._v("\napp. "),e("strong",[a._v("George Hrvatska")]),a._v(" mobile app does not yet provide the mToken functionality and the app\nswitch is not supported for open banking auth.")]),a._v(" "),e("h3",{attrs:{id:"otp-banka"}},[e("a",{staticClass:"header-anchor",attrs:{href:"#otp-banka"}},[a._v("#")]),a._v(" OTP banka")]),a._v(" "),e("p",[a._v("Integration towards this bank is not yet supported by Enable Banking. If you are interested in\nintegrating with this bank's Open Banking interface, please "),e("a",{attrs:{href:"mailto:support.api@enablebanking.com"}},[a._v("contact our tech support")]),a._v(".")]),a._v(" "),e("h3",{attrs:{id:"raiffeisenbank-austria"}},[e("a",{staticClass:"header-anchor",attrs:{href:"#raiffeisenbank-austria"}},[a._v("#")]),a._v(" Raiffeisenbank Austria")]),a._v(" "),e("p",[a._v("Raiffeisenbank Austria (RBA) users are required to input their personal identification number\n(osobni identifikacijski broj, OIB). SCA is handled through the "),e("strong",[a._v("mojaRBA")]),a._v(" mobile app.")]),a._v(" "),e("h3",{attrs:{id:"croatia-banka"}},[e("a",{staticClass:"header-anchor",attrs:{href:"#croatia-banka"}},[a._v("#")]),a._v(" Croatia banka")]),a._v(" "),e("p",[a._v("On "),e("strong",[a._v("March 2026")]),a._v(" Croatia banka was acquired by Hrvatska poštanska banka (HPB). As a result, PSD2 services\nprovided by Croatia banka have been discontinued.")])])}),[],!1,null,null,null);e.default=r.exports}}]);