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🇭🇷 Crypto license in Croatia: who holds one

6 companies hold a MiCA crypto-asset service provider licence granted in Croatia by HANFA, and a further 171 licensed elsewhere in the EEA may operate there through passporting. Everything below comes from the official ESMA register, refreshed daily.

6
Licensed in Croatia
15th of 30 EEA countries
177
May operate here
including passported providers
0
Warnings
entities flagged by this regulator
0
Stablecoin issuers
EMT/ART issuers based here
1
White papers
notified via this regulator

Who grants the licence in Croatia

Competent authority
Croatian Financial Services Supervisory Agency (HANFA) — official website
Designated under
Article 93 of MiCA, as notified to ESMA
Licences granted
6 active, the 15th largest of the 30 EEA countries (out of 365 in the EEA)
First licence
9 April 2026 · most recent 17 June 2026
Good to know
The Croatian National Bank is the competent authority for stablecoin issuers (Titles III and IV).

What a crypto licence in Croatia requires

MiCA is a single EU rulebook: the requirements are the same in Croatia as anywhere else in the European Economic Area, and only the authority reviewing the file changes. An applicant files with HANFA under Article 62, describing the services it intends to offer, its governance, the fitness of its managers and shareholders, its ICT systems, how it segregates client assets and how it handles complaints.

The company itself must have substance in the Union: a registered office in a Member State where it actually carries out part of its services, its effective management in the EU, and at least one director resident in the EU (Article 59(2)). A bank, investment firm or e-money institution does not need a new licence — it notifies its regulator under Article 60 instead, which is why familiar banks appear in the register alongside crypto-native firms.

The timetable set by the regulation

Minimum capital, by what the provider is allowed to do

ClassMinimum capitalServices coveredProviders serving Croatia
Class 1 EUR 50,000 Brokerage-style services: executing orders, placing crypto-assets, transfers, receiving and transmitting orders, advice and portfolio management. 4
Class 2 EUR 125,000 Everything in class 1 plus holding client assets or trading against them: custody and administration, exchange for funds, exchange for other crypto-assets. 156
Class 3 EUR 150,000 Everything in class 2 plus operating a trading platform for crypto-assets. 17

Annex IV to MiCA, applied through Article 67: a provider must hold the higher of the amount above and one quarter of its previous year's fixed overheads. The last column places each provider that may serve clients in Croatia in the class of the heaviest service it is authorised for. Full text: Regulation (EU) 2023/1114 · plain-language version: our MiCA guide.

The 6 providers licensed in Croatia

Authorised by HANFA and reported to ESMA. Open one to see the exact services and the countries it may serve.

Crypto services available in Croatia

How many active providers — licensed here or passported in — may offer each of the ten MiCA services to clients in Croatia.

143
a. Custody and administration
17
b. Operating a trading platform
129
c. Exchange for funds
109
d. Exchange for other crypto-assets
85
e. Execution of orders
24
f. Placing of crypto-assets
43
g. Reception and transmission of orders
15
h. Advice on crypto-assets
26
i. Portfolio management
135
j. Transfer services

Passported into Croatia

171 providers licensed in another EEA state that notified Croatia for at least one service.

Questions about crypto licensing in Croatia

Is crypto legal in Croatia?

Yes. Buying, holding and trading crypto-assets is legal in Croatia. Since 30 December 2024 the EU Markets in Crypto-Assets Regulation (MiCA) applies there, so any company offering crypto services as a business must be authorised — by Croatian Financial Services Supervisory Agency (HANFA) or by another EEA regulator that has notified Croatia under the passporting rules.

Which crypto exchanges are licensed in Croatia?

6 providers hold a licence granted in Croatia, including BITCOIN STORE, ELECTROCOIN, HPB d.d., IN KAPITAL, KRIPTOMAT. A further 171 licensed elsewhere in the EEA may operate there through passporting, such as 21bitcoin, 360 Treasury Systems AG, Acheron, AK JENSEN NORWAY AS, Alaric Securities.

Who issues the crypto licence in Croatia?

Croatian Financial Services Supervisory Agency (HANFA) is the competent authority designated under Article 93 of MiCA. It receives applications, grants or refuses the authorisation, supervises the provider afterwards and reports it to ESMA for the EU-wide register.

How long does it take to get a MiCA licence?

The regulation sets the clock, not the regulator: the authority acknowledges the application within 5 working days, has 25 working days to check that it is complete, and then 40 working days from a complete file to grant or refuse, with a reasoned decision notified within 5 working days (Article 63 of MiCA). Time spent completing a file that was filed incomplete does not count.

How much capital does a crypto licence require?

Annex IV of MiCA sets a permanent minimum of EUR 50,000 for brokerage-type services, EUR 125,000 once the provider holds client assets or exchanges them, and EUR 150,000 for operating a trading platform. A provider must hold whichever is higher: that floor, or one quarter of the previous year's fixed overheads (Article 67).

Can I use a crypto exchange licensed in another EU country?

Yes, if it has notified Croatia under MiCA's passporting rules. 177 providers may currently serve clients in Croatia; each provider's page on this site lists the countries it notified, service by service.

Using a crypto provider in Croatia

A resident of Croatia can legally use any provider on this page: those licensed by the local authority and those that passported in. What matters is that the exact company and domain you deal with is the one in the register — a licensed brand can have unlicensed affiliates, and the licence covers only the services listed on the provider's page.

If a provider serving Croatia is missing here, it may be a bank or investment firm acting under Article 60 (they appear in the register too, under their legal name), or it may be operating without authorisation. The check tool looks up both lists at once, by name or by website.

Source: the interim MiCA register published by ESMA, plus the list of competent authorities notified under Article 93. This page is an independent index, not a statement by HANFA, and it is not legal advice. How the data is processed.