Hrvatska Narodna Banka (Croatian National Bank) SWIFT/BIC code

NBHRHR2D – the SWIFT/BIC code of Hrvatska Narodna Banka (Croatian National Bank)

The short code NBHRHR2D and the 11-character code NBHRHR2DXXX identify the same bank: Hrvatska Narodna Banka (Croatian National Bank), with its head office in Zagreb. Banks worldwide use these codes to route international transfers to the right bank. You will need it mainly for transfers between countries or a currency.

We wrote this page to help anyone who pays into an account at Hrvatska Narodna Banka (Croatian National Bank) without mistakes. A SWIFT code identifies an institution, not a single account; the IBAN or account number does that.

Incoming international payments to Hrvatska Narodna Banka (Croatian National Bank)

For a transfer from abroad at Hrvatska Narodna Banka (Croatian National Bank), the person paying you has to have more than the SWIFT code. What they need is: your name, IBAN or account number, NBHRHR2DXXX and often your home address.

Some banks want the address of Hrvatska Narodna Banka (Croatian National Bank), so keep it at hand. Double-check every detail before you share them – a sender rarely spots a mistake in someone else’s details.

Expect that the amount credited is below what the sender paid. Charges on incoming payments differ from bank to bank; check the price list of Hrvatska Narodna Banka (Croatian National Bank). Make clear with the sender who covers the fees.

Scams that use SWIFT codes

Fraudsters often use fake invoices containing new bank details, sometimes in an email that looks completely genuine. That NBHRHR2D is a real code is no guarantee that a request mentioning it is genuine – fraudsters use real bank codes as well.

Before paying, verify a change of bank details by phone, using a number you already had. Watch out for urgent requests, odd spelling or an email address that differs by one letter. If money was sent to the wrong account, contact your bank immediately.

Recipients can be targeted as well: a classic trick is a buyer who pays too much followed by a request to refund the difference. Do not act before the money is actually in your account – ask Hrvatska Narodna Banka (Croatian National Bank) if something looks wrong.

International transfers from Hrvatska Narodna Banka (Croatian National Bank): the real cost

What you pay for an international transfer is made up of more than one component – not just the fee on your screen. There is the transfer fee, sometimes fees charged by intermediary banks in between and, most importantly, the exchange rate markup.

Many banks do not list their exchange rate markup as a cost – you only notice it if you compare. A simple test: put the bank’s rate next to the mid-market rate for the same moment and look at the difference.

For many currency pairs, a specialist provider is less expensive than a bank, mainly because of the exchange rate. GoldexPay lists transfer providers next to each other, showing what actually arrives for the same amount sent. Choosing a specialist does not mean leaving Hrvatska Narodna Banka (Croatian National Bank) – you pay the provider from your own account.

What the XXX in NBHRHR2DXXX means

Each SWIFT/BIC code has the same eight core characters: four letters for the bank, a two-letter country code and a two-character location code. In this case, that core is NBHRHR2D.

Many banks and apps accept either length. If a form asks for eleven characters, enter NBHRHR2DXXX.

In practice the code is typed in capitals and without spaces. A wrong character can send the money to a different institution, so copy it carefully.

How long does an international transfer to Hrvatska Narodna Banka (Croatian National Bank) take?

There is no single delivery time: many land within a day while others need several business days. Weekends and public holidays in either country can add extra days. Compliance checks on larger or unusual payments can also add a delay.

If a transfer seems late, contact the sending bank for the status and the transaction reference. Specialist transfer services often show tracking in their app showing where the money has got.

A missing payment is traced by the sending bank. On the receiving end, it helps to look at your statements to see a slightly lower amount because fees can reduce the amount.

Verifying the SWIFT code of Hrvatska Narodna Banka (Croatian National Bank)

The most reliable source for the BIC is the bank details provided by the recipient: an invoice, a bank statement or their online banking. Check it against NBHRHR2D here.

A wrong SWIFT code can cause a delay, a returned payment or extra fees for investigation. Remember the account number: a mistake there can be harder to correct than a wrong BIC.

A validity check by your bank merely tells you that the code exists. Some banks now check the payee name against the account before you confirm; take any warning seriously. A small test payment is a sensible step for large sums, even if it costs an extra fee.

Euro transfers to Hrvatska Narodna Banka (Croatian National Bank): is a BIC needed?

Inside SEPA, euro payments to Hrvatska Narodna Banka (Croatian National Bank) use the same rules, so the IBAN does the job in most cases. A field for the BIC is usually optional or missing for those payments.

For anything other than euros and from non-SEPA countries, NBHRHR2DXXX or NBHRHR2D is still part of the payment details. If your banking app has a field for the BIC anyway, adding NBHRHR2D does no harm.

Instant payments in euros are widely supported within SEPA; check with Hrvatska Narodna Banka (Croatian National Bank) whether it applies to your account. Charges on SEPA transfers tend to be low.

Sending EUR to Hrvatska Narodna Banka (Croatian National Bank)

Croatia uses the Euro (EUR). Money sent in a different currency is converted into EUR – and the bank that does it picks the rate. There is rarely a separate charge for that conversion – the cost sits in the rate.

Who does the conversion affects the final amount, since every bank sets its own rate. Sending the money already in EUR usually prevents a second conversion at the receiving end – as long as your own rate is good.

Exchange rates change all the time. On larger amounts, even seemingly small gap in the rate can be worth more than the fee.

Head office or branch code at Hrvatska Narodna Banka (Croatian National Bank)?

With 3 codes, Hrvatska Narodna Banka (Croatian National Bank) is one of the banks that register individual codes for branches and departments. The main code is NBHRHR2DXXX.

If nobody asks you for a branch code, use NBHRHR2DXXX or its short form NBHRHR2D. Only use a branch code when your contact gives you that exact code, for example on an invoice or in their bank details.

The best way is to take the code straight from the account holder’s bank details. Codes can change over time.

How up to date is this code?

We gather bank codes from public sources and check our list regularly. Even so, banks merge or retire codes and our data may lag behind. Figures such as the number of codes come from our own dataset.

For a payment of any size, always check the BIC with the recipient’s bank or the recipient. GoldexPay is an independent comparison service and not affiliated with Hrvatska Narodna Banka (Croatian National Bank). If you notice a mistake, we appreciate a message via the contact page.