Lawful Residence Anywhere in the Union Is Enough, and a Bank Above Two Billion Euros Has No Choice
Answer
The general rule applies to you
No exception is recorded for citizens of Ireland on this topic. That is the answer, not a gap - everything below is the rule you get, unchanged.
154 exceptions recorded across 56 countries · none match Ireland to Croatia · Opening a bank account
Croatia transposed the Payment Accounts Directive in 2017 and the entitlement is drawn wide. A consumer with lawful residence in the European Union has the right to open and use a basic payment account, and so does a person who has no residence permit but cannot be removed for legal or practical reasons. The Act defines lawful residence in the Union as the right to be in a member state under Union law or the law of that member state, and names consumers with no fixed address and asylum seekers inside it. Article 21 forbids a credit institution from discriminating on nationality or place of residence when a consumer asks for any payment account, not only a basic one. Not every bank must offer the basic account: the duty falls on institutions whose audited total assets exceed 1.99 billion euros, a figure NN 105/2025 converted and reset from the original 15 billion kuna, and the rest may offer it if they choose. A bank that offers it must open the account or refuse within ten working days, may refuse only where the consumer already has a comparable account in Croatia, must refuse where opening it would breach the money laundering rules, and may not make the account conditional on buying anything else.
At a glance
- Who has the right
- Any consumer with lawful residence in the European Union
Article 22(1) of the Zakon o usporedivosti naknada, which extends it to a person without a residence permit whose removal is not possible.
- Which banks must offer it
- Those with audited total assets above 1.99 billion euros
Article 22(3) as substituted by article 3 of NN 105/2025; the 2017 text said 15 billion kuna and others may offer it by choice.
- Decision deadline
- 10 working days from the request
Article 22(4) of the Zakon o usporedivosti naknada, to open the account or refuse it.
- Tying
- Forbidden - the account may not be conditional on other services
Article 22(11) of the Zakon o usporedivosti naknada, which NN 105/2025 extended to buying a share in the institution.
- Overdraft interest on a basic account
- None may be charged
Article 22(12) of the Zakon o usporedivosti naknada, where the account falls into a negative balance for any reason.
Requirements
- Lawful residence in the European Union, as the Act defines it
- A request to a credit institution that offers the basic account
- No comparable payment account already held in Croatia
- Identification that satisfies the money laundering rules
What applies to you
Nothing changes for a citizen of Ireland
We have no rule recorded that treats your citizenship differently here, so the general rule above is the one that applies to you. That is an answer, not a gap.
What the law says
«(1) Potrošač koji ima zakonito boravište u Europskoj uniji i potrošač koji nije dobio dozvolu za boravak, a čije protjerivanje nije moguće iz pravnih ili stvarnih razloga, imaju pravo na otvaranje i korištenje osnovnog računa.»Our translation - not official
(1) A consumer who has lawful residence in the European Union and a consumer who has not been granted a residence permit but whose removal is not possible for legal or factual reasons have the right to open and use a basic account.
The entitlement, and it does not ask for a Croatian permit.
Read it at the sourceAbout this source
Croatia's official gazette, at narodne-novine.nn.hr. An act takes legal effect on publication here and carries the gazette's issue number and date as part of its identity - the Zakon o strancima is NN 133/2020 and nothing else. Every item since 1990 is addressable twice: as /clanci/sluzbeni/<year>_<month>_<issue>_<seq>.html, and, for anything published since about 2016, by ELI at /eli/sluzbeni/<year>/<issue>/<seq>, which answers a 302 to the first form. The ELI-era pages also carry RDFa in the head: eli#amended_by and eli#changed_by list every amending act of a statute, which is how the amendment chain of a recent act is established rather than guessed. Items published before ELI - the Zakon o hrvatskom državljanstvu of 1991 among them - carry no metadata at all. The site serves plain HTTP to an ordinary client with no proxy and no warm-up. Its search form is ASP.NET and needs a POST with viewstate, but the complete yearly register is downloadable without one: /get_index_file.aspx?year=<YYYY>&type=csv returns every item of that year as tab-separated title, document type, issuing body and link, and 1990 to 2026 is 22 MB. That register is what makes a negative answer about an amendment possible.
Standing: Issues the instrument
Cannot be cited for: **It publishes acts as enacted and does not consolidate them.** There is no consolidated text of any Croatian statute on this site. The whole gazette has carried 222 items with 'pročišćeni tekst' in the title since 1990, and since 2016 they are statutes of professional chambers, party statutes and collective agreements; the last consolidated text of an Act was the Zakon o državnim službenicima in 2012. So what is read here is the act as published plus each amending act, and an article number quoted from an amending act is an instruction to amend rather than an article of the resulting law - it must be cited as the article of the amended Act, naming what put it there. A consequence worth stating plainly: because nothing on this site is a consolidation, no citation of it carries a consolidation cut-off, and an apparently current article may have been replaced by a later amending act published in a different issue. The register at /get_index_file.aspx is title-indexed, so an amending act whose title does not name the statute it amends will not be found by searching it. The gazette cannot be cited for anything it does not publish: the shortage-occupation decision under article 101(1) of the Zakon o strancima is made by the Employment Service's governing council and does not appear here, nor does the evidence the ministry competent for demography and emigration requires for the certificate on which the whole diaspora residence route turns, nor the average monthly net salary that every means threshold in Croatian immigration law is a fraction of, which the state statistics office publishes separately. zakon.hr and informator.hr carry consolidated Croatian texts and are commercial publishers, not government ones; they are not cited here.
We re-read it every 60 days. More about this source
«»zakonito boravište u Europskoj uniji« je pravo fizičke osobe boraviti u državi članici na temelju prava Europske unije ili prava države članice, uključujući potrošača koji nema stalnu adresu i tražitelja azila na temelju Ženevske konvencije o statusu izbjeglica od 28. srpnja 1951., njezina Protokola od 31. siječnja 1967. i ostalih relevantnih međunarodnih ugovora.»Our translation - not official
"lawful residence in the European Union" means the right of a natural person to reside in a member state on the basis of the law of the European Union or the law of a member state, including a consumer who has no permanent address and an asylum seeker on the basis of the Geneva Convention relating to the Status of Refugees of 28 July 1951, its Protocol of 31 January 1967 and other relevant international treaties.
The definition that does the work: residence anywhere in the Union, not residence in Croatia.
Read it at the sourceAbout this source
Croatia's official gazette, at narodne-novine.nn.hr. An act takes legal effect on publication here and carries the gazette's issue number and date as part of its identity - the Zakon o strancima is NN 133/2020 and nothing else. Every item since 1990 is addressable twice: as /clanci/sluzbeni/<year>_<month>_<issue>_<seq>.html, and, for anything published since about 2016, by ELI at /eli/sluzbeni/<year>/<issue>/<seq>, which answers a 302 to the first form. The ELI-era pages also carry RDFa in the head: eli#amended_by and eli#changed_by list every amending act of a statute, which is how the amendment chain of a recent act is established rather than guessed. Items published before ELI - the Zakon o hrvatskom državljanstvu of 1991 among them - carry no metadata at all. The site serves plain HTTP to an ordinary client with no proxy and no warm-up. Its search form is ASP.NET and needs a POST with viewstate, but the complete yearly register is downloadable without one: /get_index_file.aspx?year=<YYYY>&type=csv returns every item of that year as tab-separated title, document type, issuing body and link, and 1990 to 2026 is 22 MB. That register is what makes a negative answer about an amendment possible.
Standing: Issues the instrument
Cannot be cited for: **It publishes acts as enacted and does not consolidate them.** There is no consolidated text of any Croatian statute on this site. The whole gazette has carried 222 items with 'pročišćeni tekst' in the title since 1990, and since 2016 they are statutes of professional chambers, party statutes and collective agreements; the last consolidated text of an Act was the Zakon o državnim službenicima in 2012. So what is read here is the act as published plus each amending act, and an article number quoted from an amending act is an instruction to amend rather than an article of the resulting law - it must be cited as the article of the amended Act, naming what put it there. A consequence worth stating plainly: because nothing on this site is a consolidation, no citation of it carries a consolidation cut-off, and an apparently current article may have been replaced by a later amending act published in a different issue. The register at /get_index_file.aspx is title-indexed, so an amending act whose title does not name the statute it amends will not be found by searching it. The gazette cannot be cited for anything it does not publish: the shortage-occupation decision under article 101(1) of the Zakon o strancima is made by the Employment Service's governing council and does not appear here, nor does the evidence the ministry competent for demography and emigration requires for the certificate on which the whole diaspora residence route turns, nor the average monthly net salary that every means threshold in Croatian immigration law is a fraction of, which the state statistics office publishes separately. zakon.hr and informator.hr carry consolidated Croatian texts and are commercial publishers, not government ones; they are not cited here.
We re-read it every 60 days. More about this source
«(4) Kreditna institucija koja nudi osnovni račun dužna je potrošaču na njegov zahtjev otvoriti osnovni račun u roku od deset radnih dana od primitka zahtjeva ili u istom roku odbiti zahtjev.»Our translation - not official
(4) A credit institution that offers a basic account is obliged, at the consumer's request, to open the basic account within ten working days of receiving the request, or to refuse the request within the same period.
A deadline that runs either way, so silence is not an answer.
Read it at the sourceAbout this source
Croatia's official gazette, at narodne-novine.nn.hr. An act takes legal effect on publication here and carries the gazette's issue number and date as part of its identity - the Zakon o strancima is NN 133/2020 and nothing else. Every item since 1990 is addressable twice: as /clanci/sluzbeni/<year>_<month>_<issue>_<seq>.html, and, for anything published since about 2016, by ELI at /eli/sluzbeni/<year>/<issue>/<seq>, which answers a 302 to the first form. The ELI-era pages also carry RDFa in the head: eli#amended_by and eli#changed_by list every amending act of a statute, which is how the amendment chain of a recent act is established rather than guessed. Items published before ELI - the Zakon o hrvatskom državljanstvu of 1991 among them - carry no metadata at all. The site serves plain HTTP to an ordinary client with no proxy and no warm-up. Its search form is ASP.NET and needs a POST with viewstate, but the complete yearly register is downloadable without one: /get_index_file.aspx?year=<YYYY>&type=csv returns every item of that year as tab-separated title, document type, issuing body and link, and 1990 to 2026 is 22 MB. That register is what makes a negative answer about an amendment possible.
Standing: Issues the instrument
Cannot be cited for: **It publishes acts as enacted and does not consolidate them.** There is no consolidated text of any Croatian statute on this site. The whole gazette has carried 222 items with 'pročišćeni tekst' in the title since 1990, and since 2016 they are statutes of professional chambers, party statutes and collective agreements; the last consolidated text of an Act was the Zakon o državnim službenicima in 2012. So what is read here is the act as published plus each amending act, and an article number quoted from an amending act is an instruction to amend rather than an article of the resulting law - it must be cited as the article of the amended Act, naming what put it there. A consequence worth stating plainly: because nothing on this site is a consolidation, no citation of it carries a consolidation cut-off, and an apparently current article may have been replaced by a later amending act published in a different issue. The register at /get_index_file.aspx is title-indexed, so an amending act whose title does not name the statute it amends will not be found by searching it. The gazette cannot be cited for anything it does not publish: the shortage-occupation decision under article 101(1) of the Zakon o strancima is made by the Employment Service's governing council and does not appear here, nor does the evidence the ministry competent for demography and emigration requires for the certificate on which the whole diaspora residence route turns, nor the average monthly net salary that every means threshold in Croatian immigration law is a fraction of, which the state statistics office publishes separately. zakon.hr and informator.hr carry consolidated Croatian texts and are commercial publishers, not government ones; they are not cited here.
We re-read it every 60 days. More about this source
«»(3) Kreditna institucija koja prema revidiranim godišnjim financijskim izvještajima za prethodnu godinu ima ukupnu imovinu veću od 1,99 milijardi eura dužna je potrošačima nuditi osnovni račun, dok ga ostale kreditne institucije mogu nuditi prema vlastitom izboru.«.»Our translation - not official
(3) A credit institution whose audited annual financial statements for the previous year show total assets greater than 1.99 billion euros is obliged to offer consumers a basic account, while other credit institutions may offer it at their own choice.
The duty is on the large banks only, and the threshold was redenominated in 2025 rather than simply converted.
Read it at the sourceAbout this source
Croatia's official gazette, at narodne-novine.nn.hr. An act takes legal effect on publication here and carries the gazette's issue number and date as part of its identity - the Zakon o strancima is NN 133/2020 and nothing else. Every item since 1990 is addressable twice: as /clanci/sluzbeni/<year>_<month>_<issue>_<seq>.html, and, for anything published since about 2016, by ELI at /eli/sluzbeni/<year>/<issue>/<seq>, which answers a 302 to the first form. The ELI-era pages also carry RDFa in the head: eli#amended_by and eli#changed_by list every amending act of a statute, which is how the amendment chain of a recent act is established rather than guessed. Items published before ELI - the Zakon o hrvatskom državljanstvu of 1991 among them - carry no metadata at all. The site serves plain HTTP to an ordinary client with no proxy and no warm-up. Its search form is ASP.NET and needs a POST with viewstate, but the complete yearly register is downloadable without one: /get_index_file.aspx?year=<YYYY>&type=csv returns every item of that year as tab-separated title, document type, issuing body and link, and 1990 to 2026 is 22 MB. That register is what makes a negative answer about an amendment possible.
Standing: Issues the instrument
Cannot be cited for: **It publishes acts as enacted and does not consolidate them.** There is no consolidated text of any Croatian statute on this site. The whole gazette has carried 222 items with 'pročišćeni tekst' in the title since 1990, and since 2016 they are statutes of professional chambers, party statutes and collective agreements; the last consolidated text of an Act was the Zakon o državnim službenicima in 2012. So what is read here is the act as published plus each amending act, and an article number quoted from an amending act is an instruction to amend rather than an article of the resulting law - it must be cited as the article of the amended Act, naming what put it there. A consequence worth stating plainly: because nothing on this site is a consolidation, no citation of it carries a consolidation cut-off, and an apparently current article may have been replaced by a later amending act published in a different issue. The register at /get_index_file.aspx is title-indexed, so an amending act whose title does not name the statute it amends will not be found by searching it. The gazette cannot be cited for anything it does not publish: the shortage-occupation decision under article 101(1) of the Zakon o strancima is made by the Employment Service's governing council and does not appear here, nor does the evidence the ministry competent for demography and emigration requires for the certificate on which the whole diaspora residence route turns, nor the average monthly net salary that every means threshold in Croatian immigration law is a fraction of, which the state statistics office publishes separately. zakon.hr and informator.hr carry consolidated Croatian texts and are commercial publishers, not government ones; they are not cited here.
We re-read it every 60 days. More about this source
Practical notes
The Act was amended once, by NN 105/2025, and both texts were read. Narodne novine publishes no consolidated text.
The fee rules in article 24 were rewritten by NN 105/2025 and are expressed as fractions of the average monthly net salary published by the state statistics office. That release has not been read, so no fee amount is stated here.
This record is about the statutory basic account. What any particular bank asks for in practice - an OIB, a residence certificate, a Croatian address - is a fact about that bank, and no bank's terms are read here.
- issuesNN 70/2017, Zakon o usporedivosti naknada, prebacivanju računa za plaćanje i pristupu osnovnom računu
Narodne novine
About this source
Croatia's official gazette, at narodne-novine.nn.hr. An act takes legal effect on publication here and carries the gazette's issue number and date as part of its identity - the Zakon o strancima is NN 133/2020 and nothing else. Every item since 1990 is addressable twice: as /clanci/sluzbeni/<year>_<month>_<issue>_<seq>.html, and, for anything published since about 2016, by ELI at /eli/sluzbeni/<year>/<issue>/<seq>, which answers a 302 to the first form. The ELI-era pages also carry RDFa in the head: eli#amended_by and eli#changed_by list every amending act of a statute, which is how the amendment chain of a recent act is established rather than guessed. Items published before ELI - the Zakon o hrvatskom državljanstvu of 1991 among them - carry no metadata at all. The site serves plain HTTP to an ordinary client with no proxy and no warm-up. Its search form is ASP.NET and needs a POST with viewstate, but the complete yearly register is downloadable without one: /get_index_file.aspx?year=<YYYY>&type=csv returns every item of that year as tab-separated title, document type, issuing body and link, and 1990 to 2026 is 22 MB. That register is what makes a negative answer about an amendment possible.
Standing: Issues the instrument
Cannot be cited for: **It publishes acts as enacted and does not consolidate them.** There is no consolidated text of any Croatian statute on this site. The whole gazette has carried 222 items with 'pročišćeni tekst' in the title since 1990, and since 2016 they are statutes of professional chambers, party statutes and collective agreements; the last consolidated text of an Act was the Zakon o državnim službenicima in 2012. So what is read here is the act as published plus each amending act, and an article number quoted from an amending act is an instruction to amend rather than an article of the resulting law - it must be cited as the article of the amended Act, naming what put it there. A consequence worth stating plainly: because nothing on this site is a consolidation, no citation of it carries a consolidation cut-off, and an apparently current article may have been replaced by a later amending act published in a different issue. The register at /get_index_file.aspx is title-indexed, so an amending act whose title does not name the statute it amends will not be found by searching it. The gazette cannot be cited for anything it does not publish: the shortage-occupation decision under article 101(1) of the Zakon o strancima is made by the Employment Service's governing council and does not appear here, nor does the evidence the ministry competent for demography and emigration requires for the certificate on which the whole diaspora residence route turns, nor the average monthly net salary that every means threshold in Croatian immigration law is a fraction of, which the state statistics office publishes separately. zakon.hr and informator.hr carry consolidated Croatian texts and are commercial publishers, not government ones; they are not cited here.
We re-read it every 60 days. More about this source
- issuesNN 105/2025, Zakon o izmjenama i dopunama Zakona o usporedivosti naknada, prebacivanju računa za plaćanje i pristupu osnovnom računu
Narodne novine
About this source
Croatia's official gazette, at narodne-novine.nn.hr. An act takes legal effect on publication here and carries the gazette's issue number and date as part of its identity - the Zakon o strancima is NN 133/2020 and nothing else. Every item since 1990 is addressable twice: as /clanci/sluzbeni/<year>_<month>_<issue>_<seq>.html, and, for anything published since about 2016, by ELI at /eli/sluzbeni/<year>/<issue>/<seq>, which answers a 302 to the first form. The ELI-era pages also carry RDFa in the head: eli#amended_by and eli#changed_by list every amending act of a statute, which is how the amendment chain of a recent act is established rather than guessed. Items published before ELI - the Zakon o hrvatskom državljanstvu of 1991 among them - carry no metadata at all. The site serves plain HTTP to an ordinary client with no proxy and no warm-up. Its search form is ASP.NET and needs a POST with viewstate, but the complete yearly register is downloadable without one: /get_index_file.aspx?year=<YYYY>&type=csv returns every item of that year as tab-separated title, document type, issuing body and link, and 1990 to 2026 is 22 MB. That register is what makes a negative answer about an amendment possible.
Standing: Issues the instrument
Cannot be cited for: **It publishes acts as enacted and does not consolidate them.** There is no consolidated text of any Croatian statute on this site. The whole gazette has carried 222 items with 'pročišćeni tekst' in the title since 1990, and since 2016 they are statutes of professional chambers, party statutes and collective agreements; the last consolidated text of an Act was the Zakon o državnim službenicima in 2012. So what is read here is the act as published plus each amending act, and an article number quoted from an amending act is an instruction to amend rather than an article of the resulting law - it must be cited as the article of the amended Act, naming what put it there. A consequence worth stating plainly: because nothing on this site is a consolidation, no citation of it carries a consolidation cut-off, and an apparently current article may have been replaced by a later amending act published in a different issue. The register at /get_index_file.aspx is title-indexed, so an amending act whose title does not name the statute it amends will not be found by searching it. The gazette cannot be cited for anything it does not publish: the shortage-occupation decision under article 101(1) of the Zakon o strancima is made by the Employment Service's governing council and does not appear here, nor does the evidence the ministry competent for demography and emigration requires for the certificate on which the whole diaspora residence route turns, nor the average monthly net salary that every means threshold in Croatian immigration law is a fraction of, which the state statistics office publishes separately. zakon.hr and informator.hr carry consolidated Croatian texts and are commercial publishers, not government ones; they are not cited here.
We re-read it every 60 days. More about this source