Kuna to become a thing of the past


Kuna to become a thing of the past

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Here you can find answers to frequently asked questions about sub-frontloading.

Legal Entities - Transaction Account (IBAN)

Legal Entities – Agreements

Card Business

  • What will happen to my credit card limit and will the interest rate change?
    • Credit card limit in the kuna will be recalculated to the euro at the fixed conversion rate and in keeping with the rules for recalculation and rounding as under the Law on Introduction of the Euro as the Legal Currency in the Republic of Croatia.

      Interest rate will remain the same, i.e. changeover to the euro does not affect the fixed interest rate during the validity period of such interest rate.

  • Will the credit and debit cards for their respective account be changed?
    • No. According to the principle of continuity of agreements and other legal instruments, numbers of accounts and cards as well as any and all conditions and provisions remain unchanged.

      The card user is not required to take any actions.

  • What will dual display for card business include?
    • The period of mandatory dual display begins on the first Monday in September, or on 05/09/2022, and it will end after the expiry of 12 months from the date of changeover to the euro, or on 31 December 2023. 

      In the period of dual display, to the users of its services, the Bank will make available dual display for the following prices and other monetary expressions of value related to card business: 

      • Fee tariffs  

      • At ATMs  

      for cash withdrawals, the offered predefined amounts on the screen

      account balance for account balance requests if available on the screen and printout* 

      *provided the cash is paid to a client whose account is managed by the ATM holder/user  

      • for consumer loans in the kuna which have been granted or in offer prior to the day of changeover to the euro:  

      • total loan amount and amount of instalment or annuity in the repayment plan and in the European Standardised Information Sheet (ESIS) or any other prescribed form whereby a consumer is provided information prior to contracting a loan agreement* 

      *this obligation refers to dual display on the ESIS when contracting a credit card and to dual display on the repayment plan and in the ESIS when contracting a Micro loan

      • in the annual kuna loan balance statement

      • balance of the debt not yet due and of the debt due and outstanding* 

      *in card business, this obligation refers to the annual Micro loan balance statement and the annual outstanding debt balance statement

      According to the rules, before the changeover to the euro as the legal currency, the kuna amount will be followed by the euro amount. After the changeover to the euro as the legal currency, euro amounts will be displayed first, followed by kuna amounts. 

Accepting of cards on POS devices and webshops

Business Entities – Financing

  • How will euro introduction impact existing loan contracts?
    • According to the principle of continuity of legal instruments, existing loan agreements will continue to be in force and effect and require no changes as regards conversion to the euro. 
      As on 01/01/2023, kuna loans and kuna loans with currency clause in the euro will be changed into euro loans automatically. All kuna amounts will be converted into the euro at the fixed conversion rate and repayment will continue in euros.  
      As regards loans contracted at a fixed interest rate throughout the entire repayment period, such interest rate will not undergo change.  
      Concerning loans contracted at a variable interest rate, the parameter at which such a variable interest rate was contracted will not change after changeover to the euro, save for the loans with the parameter pegged to the kuna (NRR (national reference rate), Treasury bond of the Ministry of Finance). After changeover to the euro, the parameter used to calculate the variable interest rate will be the one pegged to the euro, of the respective volume and maturity. 

  • What happens with overdraft in the transaction account?
    • An overdraft in the kuna (used and unused balance, as well as the agreed amount) will be converted to the euro at the fixed conversion rate. As the RBA transaction accounts are multi-currency accounts, the converted kuna and the existing euro account balances will be summed up. 
      With respect to accounts with overdraft in use, for the amount of the existing euro balance, the balance of the used overdraft will be reduced, and the balance of the unused overdraft will be increased (up to the maximum agreed amount, converted to the euro).


If you have any other questions, do not hesitate to contact us. We are here for you and will try to answer all of them as soon as we can. 

You can reach us at, by calling 072 62 62 62, at our 62 branches across Croatia, via direct message on social networks or by postal service at Magazinska cesta 69, Zagreb.

Also, the Croatian National Bank launched their euro-related website, There you can find details and news about the introduction of the euro.