# Addiko Bank Croatia

> Source: https://docs.barcoder.ai/docs/wallets/addiko-bank-hr
> research date 2026-05-30 · extracted at 2026-10-07
> Publisher: Barcoder — encyclopedia of QR, barcode and payment-code standards

Specifications:
- [Addiko Bank Croatia — official](https://www.addiko.hr/)

## Overview

**Addiko Bank Croatia** is **Addiko Bank AG Austrian parent subsidiary** + **CEE consumer + SME-focused commercial bank** + **Q1 2025 mobile banking users 322,000 +8% YoY** + **total digital users 329,000 +7% YoY** + **fully digital end-to-end lending processes in Slovenia + Croatia + Romania** <sup>[1][1], [2][2], [Croatia report](https://docs.barcoder.ai/docs/payments/HR)</sup>. **2025 baseline**: Addiko Bank Croatia Q1 2025 mobile banking users 322,000 +8% YoY + total digital users 329,000 +7% YoY; **Addiko Bank significantly expanding its digital capabilities, launching fully digital end-to-end lending processes in Slovenia, Croatia, and Romania** distinctive CEE Addiko Group fully digital end-to-end lending expansion.

**Distinctive Addiko Bank Croatia positioning**:
- **Addiko Bank AG Austrian parent subsidiary** (Addiko Bank d.d. Croatia)
- **CEE consumer + SME-focused commercial bank** distinctive CEE Addiko Group consumer + SME specialty
- **Q1 2025 mobile banking users 322,000 +8% YoY** distinctive Croatian Addiko mobile banking adoption growth
- **Total digital users 329,000 +7% YoY** distinctive Croatian Addiko digital banking penetration
- **Fully digital end-to-end lending processes in Slovenia, Croatia, and Romania** distinctive CEE Addiko Group fully digital end-to-end lending expansion
- **Addiko Bank significantly expanding its digital capabilities** distinctive CEE Addiko Group digital expansion strategy
- **Post-2002 Hypo Alpe-Adria-Bank Croatia subsidiary + 2014 EU-mandated Hypo Group separation + 2016 Addiko Bank AG rebranding by Advent International + EBRD** distinctive CEE Addiko Group post-Hypo restructuring heritage

## History

**2002 — Hypo Alpe-Adria-Bank Croatia founding** as Croatian Hypo Group subsidiary.

**Aug 2014 — Hypo Alpe-Adria-Bank International (HAA) EU-mandated separation + Hypo Group nationalization by Austrian government → HAA SEE Holding founding for CEE operations** distinctive CEE Hypo Group EU restructuring heritage.

**Jul 2015 — Advent International + EBRD acquire HAA SEE Holding for ~€650M + 2016 rebranding to Addiko Bank AG** distinctive CEE Addiko Group post-Hypo restructuring heritage.

**Sep 2016 — Addiko Bank d.d. Croatia rebrand from Hypo Alpe-Adria-Bank Croatia** distinctive Croatian Addiko rebranding.

**Jul 12 2019 — Addiko Bank AG VSE IPO under ticker ADKO** distinctive CEE Addiko Group Vienna listing.

**2014 — Addiko Mobile Hrvatska mobile banking app launch** distinctive Croatian Addiko mobile banking strategy.

**Q1 2025 — Addiko Bank Croatia mobile banking users 322,000 +8% YoY + total digital users 329,000 +7% YoY + Addiko Bank significantly expanding its digital capabilities, launching fully digital end-to-end lending processes in Slovenia, Croatia, and Romania** <sup>[1][1], [2][2], [3][3]</sup>.

## Ownership & operator

**Operating entity**: **Addiko Bank d.d. Croatia** (Addiko Bank AG Austrian parent subsidiary; CEE consumer + SME-focused commercial bank).

**Major shareholders**: **Addiko Bank AG (VSE: ADKO; Austrian + CEE commercial bank; Advent International + EBRD founding investors post-2015) majority controlling**.

**Regulators**: **HNB (Hrvatska narodna banka / Croatian National Bank) + ECB**.

## Technical integration

Addiko Mobile Hrvatska mobile banking app (iOS + Android; Q1 2025 mobile banking users 322,000 +8% YoY) + Addiko Business Croatia mobile banking app + addiko.hr online + Addiko Bank Croatia branch network across Croatia + Addiko Bank Visa + Mastercard cards; SEPA + SEPA Instant + EPC-QR + HUB-3 (Croatian payment slip standard); **Addiko Bank significantly expanding its digital capabilities, launching fully digital end-to-end lending processes in Slovenia, Croatia, and Romania** distinctive CEE Addiko Group fully digital end-to-end lending expansion.

## Users & growth

**Q1 2025**: Addiko Bank Croatia mobile banking users 322,000 +8% YoY + total digital users 329,000 +7% YoY.

## Use cases

Croatian retail + private + SME + commercial + corporate + consumer + fully digital end-to-end lending banking via Addiko Mobile Hrvatska mobile + Addiko Business Croatia mobile + addiko.hr online + Addiko Bank Croatia branch network across Croatia + Visa/Mastercard cards; SEPA + SEPA Instant + EPC-QR + HUB-3; **Addiko Bank significantly expanding its digital capabilities, launching fully digital end-to-end lending processes in Slovenia, Croatia, and Romania** distinctive CEE Addiko Group fully digital end-to-end lending expansion.

## Implementations & partners

**Operator**: Addiko Bank d.d. Croatia (Addiko Bank AG Austrian parent subsidiary; CEE consumer + SME-focused commercial bank); Addiko Bank AG (VSE: ADKO; Austrian + CEE commercial bank; Advent International + EBRD founding investors post-2015) majority controlling.

**Addiko Group CEE ecosystem**: Addiko Bank AG (Addiko Bank AG Austrian + CEE parent) + [Addiko Bank Croatia](https://docs.barcoder.ai/docs/wallets/addiko-bank-hr) (Addiko Bank Croatia) + Addiko Bank Slovenia (Addiko Bank Slovenia) + Addiko Bank Serbia (Addiko Bank Serbia) + Addiko Bank Montenegro (Addiko Bank Montenegro) + Addiko Bank (Addiko Bank Bosnia and Herzegovina).

**Major Croatian banking + payments competitors**: [Zagrebačka banka (ZABA) / m-zaba](https://docs.barcoder.ai/docs/wallets/zagrebacka-banka) (Zagrebačka banka; Croatia's largest commercial bank by assets; UniCredit Italian parent subsidiary) + [PBZ (Privredna banka Zagreb)](https://docs.barcoder.ai/docs/wallets/pbz) (Privredna banka Zagreb; Croatia's #2 commercial bank by assets; Intesa Sanpaolo Italian parent subsidiary) + [Erste Bank Hrvatska / George Hrvatska](https://docs.barcoder.ai/docs/wallets/erste-bank-hrvatska) (Erste Bank Hrvatska; Erste Group Austrian parent subsidiary; Croatian Erste subsidiary; KEKS Pay parent) + [RBA Croatia (Raiffeisenbank Austria Croatia) / mojaRBA](https://docs.barcoder.ai/docs/wallets/rba-croatia) (Raiffeisen Bank Croatia; Raiffeisen Bank International Austrian parent subsidiary) + [OTP banka Hrvatska / OTPgo](https://docs.barcoder.ai/docs/wallets/otp-banka-hrvatska) (OTP banka Hrvatska; OTP Bank Hungarian parent subsidiary post-2019 Splitska banka acquisition) + [HPB (Hrvatska poštanska banka)](https://docs.barcoder.ai/docs/wallets/hpb) (Hrvatska poštanska banka mHPB mobile banking; Croatian state + Hrvatska Pošta postal subsidiary; one of Croatia's largest commercial banks by assets) + [Aircash](https://docs.barcoder.ai/docs/wallets/aircash) (Croatia's first mobile wallet + Croatia's first EMI; 600,000+ users globally HR + SI + AT 2025) + [KEKS Pay](https://docs.barcoder.ai/docs/wallets/keks-pay) (Croatia's Erste Bank-anchored mobile P2P payment app; 300,000+ users + 700,000+ downloads + 75% users bank outside Erste + Forbes top 5 European mobile payment apps) + mPay (Croatian Privredna banka Zagreb-affiliated mobile wallet) + [Apple Pay](https://docs.barcoder.ai/docs/wallets/apple-pay) + [Google Pay](https://docs.barcoder.ai/docs/wallets/google-pay) + [Revolut](https://docs.barcoder.ai/docs/wallets/revolut) (UK global expansion to HR) + [Wero](https://docs.barcoder.ai/docs/standards/wero) (EPI pan-European unified wallet — Croatia transition pending).

**Regulators**: HNB + ECB.

## Fun facts

- **Addiko Bank AG Austrian parent subsidiary** (Addiko Bank d.d. Croatia).
- **CEE consumer + SME-focused commercial bank** distinctive CEE Addiko Group consumer + SME specialty.
- **Q1 2025 mobile banking users 322,000 +8% YoY** distinctive Croatian Addiko mobile banking adoption growth.
- **Total digital users 329,000 +7% YoY** distinctive Croatian Addiko digital banking penetration.
- **Fully digital end-to-end lending processes in Slovenia, Croatia, and Romania** distinctive CEE Addiko Group fully digital end-to-end lending expansion.
- **Addiko Bank significantly expanding its digital capabilities** distinctive CEE Addiko Group digital expansion strategy.
- **Post-2002 Hypo Alpe-Adria-Bank Croatia subsidiary + 2014 EU-mandated Hypo Group separation + 2016 Addiko Bank AG rebranding by Advent International + EBRD** distinctive CEE Addiko Group post-Hypo restructuring heritage.

## Comparison

| Feature | Addiko Bank Croatia | [Zagrebačka banka (ZABA) / m-zaba](https://docs.barcoder.ai/docs/wallets/zagrebacka-banka) (Zagrebačka banka rival; Croatia's largest commercial bank by assets) | [PBZ (Privredna banka Zagreb)](https://docs.barcoder.ai/docs/wallets/pbz) (Privredna banka Zagreb rival; Croatia's #2 commercial bank by assets) | [Erste Bank Hrvatska / George Hrvatska](https://docs.barcoder.ai/docs/wallets/erste-bank-hrvatska) (Erste Bank Hrvatska rival; KEKS Pay parent) | [HPB (Hrvatska poštanska banka)](https://docs.barcoder.ai/docs/wallets/hpb) (HPB Hrvatska poštanska banka rival; Croatian state + Hrvatska Pošta postal subsidiary) |
|---|---|---|---|---|---|
| Operator | **Addiko Bank d.d. Croatia (Addiko Bank AG Austrian parent subsidiary; CEE consumer + SME-focused commercial bank)** | Zagrebačka banka (Croatia's largest commercial bank by assets; UniCredit Italian parent subsidiary) | Privredna banka Zagreb (Croatia's #2 commercial bank by assets; Intesa Sanpaolo Italian parent subsidiary) | Erste & Steiermärkische Bank d.d. Croatia (Erste Bank Hrvatska; Erste Group Austrian parent subsidiary; Croatian Erste subsidiary; KEKS Pay parent) | Hrvatska poštanska banka d.d. (ZSE: HPB; Croatian state + Hrvatska Pošta postal subsidiary; one of Croatia's largest commercial banks by assets) |
| Type | **Addiko Bank AG Austrian parent subsidiary + CEE consumer + SME-focused commercial bank + Q1 2025 mobile banking users 322,000 +8% YoY + total digital users 329,000 +7% YoY + fully digital end-to-end lending processes in Slovenia, Croatia, and Romania** | Croatia's largest commercial bank by assets + UniCredit Italian parent subsidiary | Croatia's #2 commercial bank by assets + Intesa Sanpaolo Italian parent subsidiary | Croatian Erste subsidiary + KEKS Pay parent (Croatia's first cross-bank P2P payment app + 300k+ users + 75% users bank outside Erste + Forbes top 5 European mobile payment apps) | Croatian state + Hrvatska Pošta postal subsidiary + one of Croatia's largest commercial banks by assets + mHPB SuperSmart current/giro account opening + HPB claims 'most advanced mBanking in Croatia' |
| Country | HR | HR | HR | HR | HR |
| Distinctive | **2002 Hypo Alpe-Adria-Bank Croatia founding; Aug 2014 Hypo Alpe-Adria-Bank International (HAA) EU-mandated separation + Hypo Group nationalization by Austrian government → HAA SEE Holding founding for CEE operations; Jul 2015 Advent International + EBRD acquire HAA SEE Holding for ~€650M + 2016 rebranding to Addiko Bank AG; Sep 2016 Addiko Bank d.d. Croatia rebrand from Hypo Alpe-Adria-Bank Croatia; Jul 12 2019 Addiko Bank AG VSE IPO under ticker ADKO; Q1 2025 Addiko Bank Croatia mobile banking users 322,000 +8% YoY + total digital users 329,000 +7% YoY** | Zagrebačka banka 1914 founding heritage; 2002 UniCredit Italian parent acquisition | Privredna banka Zagreb 1962 founding heritage; 2000 Intesa Sanpaolo (formerly Banca Intesa) acquisition | Dec 11 2018 KEKS Pay launch as Croatia's first cross-bank P2P payment app | Oct 1991 HPB founding via Croatian government + Hrvatska Pošta merger; 2014 HPB ZSE IPO under ticker HPB; 2015 mHPB mobile banking app launch |

## Status

**Active, Addiko Bank AG Austrian parent subsidiary + CEE consumer + SME-focused commercial bank + Q1 2025 mobile banking users 322,000 +8% YoY + total digital users 329,000 +7% YoY + fully digital end-to-end lending processes in Slovenia, Croatia, and Romania** <sup>[1][1], [2][2], [3][3]</sup>:
- **Addiko Bank d.d. Croatia (Addiko Bank AG Austrian parent subsidiary; CEE consumer + SME-focused commercial bank)** since 2002 Hypo Alpe-Adria-Bank Croatia founding + Aug 2014 Hypo Alpe-Adria-Bank International (HAA) EU-mandated separation + Hypo Group nationalization by Austrian government → HAA SEE Holding founding for CEE operations + Jul 2015 Advent International + EBRD acquire HAA SEE Holding for ~€650M + 2016 rebranding to Addiko Bank AG + Sep 2016 Addiko Bank d.d. Croatia rebrand from Hypo Alpe-Adria-Bank Croatia + Jul 12 2019 Addiko Bank AG VSE IPO under ticker ADKO + 2014 Addiko Mobile Hrvatska mobile banking app launch.
- **Addiko Bank Croatia mobile banking users 322,000 +8% YoY + total digital users 329,000 +7% YoY Q1 2025**.
- **Fully digital end-to-end lending processes in Slovenia, Croatia, and Romania**.
- **HNB + ECB regulated**.

## Sources

[1]: https://en.wikipedia.org/wiki/Addiko_Bank "Addiko Bank — Wikipedia"
[2]: https://pestel-analysis.com/blogs/brief-history/addiko "Brief History of Addiko Bank Company — Pestel-analysis"
[3]: https://thebanks.eu/banks/9821 "Addiko Bank d.d. (Croatia) - Bank Profile — TheBanks.eu"
[hr-cro]: https://docs.barcoder.ai/docs/payments/HR

- [1] [Addiko Bank — Wikipedia][1]
- [2] [Brief History of Addiko Bank Company — Pestel-analysis][2]
- [3] [Addiko Bank d.d. (Croatia) - Bank Profile — TheBanks.eu][3]
- <sup>[Croatia report](https://docs.barcoder.ai/docs/payments/HR)</sup> In-corpus: `reports/countries/HR-croatia.md`

## Source

Biography extracted from [addiko-bank-hr.md](https://docs.barcoder.ai/source/wallets/addiko-bank-hr). See `matrix.md` for standards-support matrix if present.