# Aircash

> Source: https://docs.barcoder.ai/docs/wallets/aircash
> research date 2026-05-29 · extracted at 2026-10-03
> Publisher: Barcoder — encyclopedia of QR, barcode and payment-code standards

Specifications:
- [Aircash — official](https://aircash.eu/)

## Overview

**Aircash** is **Croatia's first mobile wallet** <sup>[1][1], [2][2], [Croatia report](https://docs.barcoder.ai/docs/payments/HR)</sup>. **2025 baseline**: **600,000+ users globally** across Croatia + Slovenia + Austria. **Croatia-specific (2023)**: 200,000+ users (+70% YoY).

**Distinctive Aircash positioning**:
- **First Croatian digital wallet** (launched 2017).
- **EMI (E-Money Institution) licensed** by **HNB (Hrvatska narodna banka / Croatian National Bank)** — Croatia's first EMI.
- **Aircash Prepaid Card** integration + agent-kiosk network (Aircash Point).
- **Multi-country European expansion**: Croatia + Slovenia + Austria primary; expanding to other European markets.

**Croatian fintech context (2020)**: Aircash broke the "magic 100,000 users" mark in Republic of Croatia in early June 2020 — distinctive milestone for Croatian fintech.

## History

**2017 — Aircash launches** <sup>[2][2]</sup> as Croatia's first mobile wallet by **Hrvoje Ćosić (CEO)** and team.

**Early June 2020 — 100,000 Croatian users milestone**.

**2023 — 200,000+ Croatian users (+70% YoY)** <sup>[3][3]</sup>.

**2025 — 600,000+ users globally across HR + SI + AT** <sup>[4][4]</sup>.

## Ownership & operator

**Operating entity**: **Aircash d.o.o.** (Croatian E-Money Institution).

**Founder + CEO**: **Hrvoje Ćosić**.

**Regulators**: **HNB (Hrvatska narodna banka / Croatian National Bank)** + **ECB** — Croatia adopted Euro January 1, 2023.

## Technical integration

| Layer | Description |
|---|---|
| **Channels** | Aircash mobile app (iOS + Android) + Aircash Prepaid Card + Aircash Point agent-kiosk network |
| **Identifiers** | Phone + email + card number |
| **HR rail** | Croatian payment-rails + SEPA (Croatia adopted Euro Jan 1, 2023) |
| **License** | E-Money Institution (HNB-licensed — Croatia's first EMI) |
| **Sub-products** | Aircash wallet + Aircash Prepaid Card + Aircash Point cash-in/cash-out kiosks + Aircash Online Checkout + Aircash POS + Aircash for Business |
| **Multi-country**: HR primary + SI + AT |

## Users & growth

**2025 baseline** <sup>[4][4]</sup>:
- **Global users**: 600,000+ across HR + SI + AT
- **Croatia-specific (2023)**: 200,000+ (+70% YoY)
- **Croatia milestone (June 2020)**: 100,000 Croatian users
- **EMI license**: Croatia's first

## Use cases

Croatian digital wallet for payments + P2P transfers + Aircash Prepaid Card spending; Aircash Point agent-kiosk cash-in/cash-out; online + POS merchant payments via Aircash Online Checkout + Aircash POS; Aircash for Business (Croatian + Slovenian + Austrian SMEs); multi-country European expansion.

## Implementations & partners

**Operator**: **Aircash d.o.o.** (Hrvoje Ćosić founder + CEO).

**Major Croatian + adjacent European competitors**:
- **KEKS Pay** (Croatian Erste Bank-affiliated mobile wallet)
- **mPay** (Croatian Privredna banka Zagreb mobile wallet)
- **Bizum** (Spanish bank-consortium analogous)
- **TWINT** (Swiss bank-consortium analogous)
- **BLIK** (Polish bank-consortium analogous)
- **Apple Pay + Google Pay** (Big-Tech rivals in HR + SI + AT)
- **[Revolut](https://docs.barcoder.ai/docs/wallets/revolut)** (Batch 1 covered; 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

- **Croatia's first mobile wallet** (2017 launch).
- **Croatia's first EMI (E-Money Institution)** — HNB-licensed.
- **600,000+ users globally** (Croatia + Slovenia + Austria; 2025).
- **2023 Croatia-specific**: 200,000+ users (+70% YoY).
- **Founder + CEO Hrvoje Ćosić** — Croatian fintech entrepreneur.
- **Multi-country European expansion**: HR + SI + AT with plans for further European market entry.
- **Aircash Point agent-kiosk network** — distinctive cash-in/cash-out Croatian infrastructure.

## Comparison

| Feature | Aircash | KEKS Pay (HR Erste Bank rival) | mPay (HR Privredna banka Zagreb rival) | [TWINT](https://docs.barcoder.ai/docs/standards/twint) (Swiss bank-consortium analogous) | [Wero](https://docs.barcoder.ai/docs/standards/wero) (EPI pan-European unified wallet) |
|---|---|---|---|---|---|
| Operator | **Aircash d.o.o. (Hrvoje Ćosić founder + CEO; Croatia's first EMI)** | KEKS Pay (Erste Bank Croatia-affiliated) | mPay (Privredna banka Zagreb-affiliated) | TWINT AG (Swiss bank consortium: PostFinance + UBS + Raiffeisen + Zürcher Kantonalbank + SIX Group) | EPI Company |
| Type | **Croatia's first mobile wallet + Aircash Prepaid Card + Aircash Point agent-kiosk network + multi-country HR + SI + AT** | HR Erste-anchored mobile wallet | HR PBZ-anchored mobile wallet | Swiss bank-consortium A2A mobile wallet (CH #1 mobile-payment) | Pan-European EPI A2A unified wallet |
| Country | HR + SI + AT | Croatia | Croatia | Switzerland | DE + FR + BE + LU + NL (transition) |
| Users | **600K+ globally (2025); 200K+ Croatia (2023; +70% YoY)** | Major HR Erste customer base | Major HR PBZ customer base | 6M+ (>half CH population) | Phased rollout |
| Distinctive | **Croatia's first mobile wallet + first EMI; Aircash Point agent-kiosk distinctive; multi-country HR + SI + AT; Croatia adopted Euro Jan 2023** | Erste Bank-anchored | PBZ-anchored | Switzerland's #1 mobile-payment; surpassed Apple/Google Pay | European sovereignty initiative |

## Status

**Active, Croatia's first mobile wallet + EMI** <sup>[3][3], [4][4]</sup>:
- **Aircash d.o.o. (Hrvoje Ćosić founder + CEO)** since 2017.
- **600,000+ users globally** (HR + SI + AT; 2025).
- **Croatia's first EMI** (HNB-licensed).
- **Aircash Prepaid Card + Aircash Point agent-kiosk network + Aircash POS + Aircash for Business**.
- **HNB + ECB regulated**; Croatia adopted Euro Jan 1, 2023.

## Sources

[1]: https://aircash.eu/ "Aircash — official"
[2]: https://total-croatia-news.com/news/business/aircash/ "Aircash first Croatian mobile wallet launched — Total Croatia"
[3]: https://www.total-croatia-news.com/made-in-croatia/44824-aircash "Aircash doubles HR users — Total Croatia"
[4]: https://aircash.eu/about-us/ "About us — Aircash"
[hr-cro]: https://docs.barcoder.ai/docs/payments/HR

- [1] [Aircash — official][1]
- [2] [Aircash first Croatian mobile wallet — Total Croatia][2]
- [3] [Aircash doubles HR users — Total Croatia][3]
- [4] [About us — Aircash][4]
- <sup>[Croatia report](https://docs.barcoder.ai/docs/payments/HR)</sup> In-corpus: `reports/countries/HR-croatia.md`

## Source

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