# HPB (Hrvatska poštanska banka)

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

Specifications:
- [HPB — official](https://www.hpb.hr/)

## Overview

**HPB (Hrvatska poštanska banka)** is **Croatian state + Hrvatska Pošta postal subsidiary** + **one of Croatia's largest commercial banks by assets** + **mHPB SuperSmart current/giro account opening** + **mHPB mobile token for individuals + businesses** + **HPB claims 'most advanced mBanking in Croatia'** + **HPB Croatia Finacle e-banking solution** <sup>[1][1], [2][2], [Croatia report](https://docs.barcoder.ai/docs/payments/HR)</sup>. **2025 baseline**: HPB Croatian state + Hrvatska Pošta postal subsidiary + one of Croatia's largest commercial banks by assets; **mHPB is a mobile application that offers users opening a SuperSmart HPB current and/or giro account, mobile banking service for individuals and businesses, mobile token (mToken) service for individuals and businesses, and services and tools** distinctive Croatian state-postal banking mobile-first banking; **HPB describes itself as having 'the most advanced mBanking in Croatia'** distinctive Croatian state-postal banking mobile banking claim; **HPB Croatia goes live with Finacle e-banking solution** distinctive Croatian state-postal banking digital infrastructure.

**Distinctive HPB positioning**:
- **Croatian state + Hrvatska Pošta postal subsidiary** (Hrvatska poštanska banka d.d.; ZSE: HPB)
- **One of Croatia's largest commercial banks by assets** distinctive Croatian state-postal banking market position
- **mHPB SuperSmart current/giro account opening** distinctive Croatian state-postal banking mobile account opening
- **mHPB mobile token for individuals + businesses** distinctive Croatian state-postal banking mobile token authentication
- **HPB claims 'most advanced mBanking in Croatia'** distinctive Croatian state-postal banking mobile banking claim
- **HPB Croatia Finacle e-banking solution** distinctive Croatian state-postal banking digital infrastructure
- **HPB postal network distribution via Hrvatska Pošta** distinctive Croatian state-postal banking + postal hybrid distribution
- **Oct 1991 HPB founding via Croatian government + Hrvatska Pošta merger** distinctive Croatian post-independence banking heritage

## History

**Oct 1991 — Hrvatska poštanska banka d.d. founded via Croatian government + Hrvatska Pošta merger** distinctive Croatian post-independence banking heritage.

**2014 — HPB ZSE IPO under ticker HPB** distinctive Croatian state-postal banking listing.

**2015 — mHPB mobile banking app launch** distinctive Croatian state-postal banking mobile banking strategy.

**2016-2019 — HPB Croatia goes live with Finacle e-banking solution** distinctive Croatian state-postal banking digital infrastructure <sup>[3][3]</sup>.

**2025 — HPB Croatian state + Hrvatska Pošta postal subsidiary + one of Croatia's largest commercial banks by assets + mHPB SuperSmart current/giro account opening + mHPB mobile token for individuals + businesses + HPB claims 'most advanced mBanking in Croatia'** <sup>[1][1], [2][2]</sup>.

## Ownership & operator

**Operating entity**: **Hrvatska poštanska banka d.d.** (ZSE: HPB; Croatian state + Hrvatska Pošta postal subsidiary; one of Croatia's largest commercial banks by assets).

**Major shareholders**: **Hrvatska Pošta (Croatian state-owned postal service) + Croatian government (Croatian state) + State Agency for Deposit Insurance and Bank Resolution Croatia + Croatian retail + institutional + foreign investors**.

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

## Technical integration

mHPB mobile banking app (iOS + Android) + HPB eBank online + HPB postal network distribution via Hrvatska Pošta + HPB branch network across Croatia + HPB Visa + Mastercard cards; SEPA + SEPA Instant + EPC-QR + HUB-3 (Croatian payment slip standard); **mHPB is a mobile application that offers users opening a SuperSmart HPB current and/or giro account, mobile banking service for individuals and businesses, mobile token (mToken) service for individuals and businesses, and services and tools** distinctive Croatian state-postal banking mobile-first banking + **HPB describes itself as having 'the most advanced mBanking in Croatia'** distinctive Croatian state-postal banking mobile banking claim + **HPB Croatia goes live with Finacle e-banking solution** distinctive Croatian state-postal banking digital infrastructure + **HPB postal network distribution via Hrvatska Pošta** distinctive Croatian state-postal banking + postal hybrid distribution.

## Users & growth

HPB Croatian state + Hrvatska Pošta postal subsidiary + one of Croatia's largest commercial banks by assets.

## Use cases

Croatian retail + private + SME + commercial + corporate + postal banking + state banking via mHPB mobile + HPB eBank online + HPB postal network distribution via Hrvatska Pošta + HPB branch network across Croatia + Visa/Mastercard cards; SEPA + SEPA Instant + EPC-QR + HUB-3; **mHPB SuperSmart current/giro account opening + mHPB mobile token for individuals + businesses + HPB 'most advanced mBanking in Croatia' + HPB Croatia Finacle e-banking solution + HPB postal network distribution via Hrvatska Pošta** distinctive Croatian state-postal banking comprehensive offering.

## Implementations & partners

**Operator**: Hrvatska poštanska banka d.d. (ZSE: HPB; Croatian state + Hrvatska Pošta postal subsidiary; one of Croatia's largest commercial banks by assets); Hrvatska Pošta (Croatian state-owned postal service) + Croatian government (Croatian state) + State Agency for Deposit Insurance and Bank Resolution Croatia + Croatian retail + institutional + foreign investors.

**Hrvatska Pošta postal partnership**: **HPB postal network distribution via Hrvatska Pošta (Croatian state-owned postal service)** distinctive Croatian state-postal banking + postal hybrid distribution.

**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) + [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) + [Addiko Bank Croatia](https://docs.barcoder.ai/docs/wallets/addiko-bank-hr) (Addiko Bank Croatia; Addiko Bank AG Austrian parent subsidiary; Q1 2025 322k mobile banking users +8% YoY + 329k total digital users +7% YoY) + [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) + [Bizum](https://docs.barcoder.ai/docs/standards/bizum) (Spanish bank-consortium analogous) + [TWINT](https://docs.barcoder.ai/docs/standards/twint) (Swiss bank-consortium analogous) + [BLIK](https://docs.barcoder.ai/docs/standards/blik) (Polish bank-consortium analogous) + [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

- **Croatian state + Hrvatska Pošta postal subsidiary** (Hrvatska poštanska banka d.d.; ZSE: HPB).
- **One of Croatia's largest commercial banks by assets** distinctive Croatian state-postal banking market position.
- **mHPB SuperSmart current/giro account opening** distinctive Croatian state-postal banking mobile account opening.
- **mHPB mobile token for individuals + businesses** distinctive Croatian state-postal banking mobile token authentication.
- **HPB claims 'most advanced mBanking in Croatia'** distinctive Croatian state-postal banking mobile banking claim.
- **HPB Croatia Finacle e-banking solution** distinctive Croatian state-postal banking digital infrastructure.
- **HPB postal network distribution via Hrvatska Pošta** distinctive Croatian state-postal banking + postal hybrid distribution.
- **Oct 1991 HPB founding via Croatian government + Hrvatska Pošta merger** distinctive Croatian post-independence banking heritage.

## Comparison

| Feature | HPB | [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) | [Addiko Bank Croatia](https://docs.barcoder.ai/docs/wallets/addiko-bank-hr) (Addiko Bank Croatia rival; Austrian Addiko Bank AG parent; 322k mobile banking users Q1 2025) |
|---|---|---|---|---|---|
| Operator | **Hrvatska poštanska banka d.d. (ZSE: HPB; Croatian state + Hrvatska Pošta postal subsidiary; one of Croatia's largest commercial banks by assets)** | 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) | Addiko Bank Croatia (Addiko Bank AG Austrian parent subsidiary) |
| Type | **Croatian state + Hrvatska Pošta postal subsidiary + one of Croatia's largest commercial banks by assets + mHPB SuperSmart current/giro account opening + mHPB mobile token for individuals + businesses + HPB claims 'most advanced mBanking in Croatia' + HPB Croatia Finacle e-banking solution + HPB postal network distribution via Hrvatska Pošta** | 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) | Addiko Bank Croatia + Addiko Bank AG Austrian parent + Q1 2025 322k mobile banking users +8% YoY + 329k total digital users +7% YoY + fully digital end-to-end lending processes in Slovenia + Croatia + Romania |
| Country | HR | HR | HR | HR | HR |
| Distinctive | **Oct 1991 HPB founding via Croatian government + Hrvatska Pošta merger; 2014 HPB ZSE IPO under ticker HPB; 2015 mHPB mobile banking app launch; 2016-2019 HPB Croatia goes live with Finacle e-banking solution** | Zagrebačka banka 1914 founding heritage; 2002 UniCredit Italian parent acquisition | Privredna banka Zagreb 1962 founding heritage; 2000 Intesa Sanpaolo (formerly Banca Intesa) acquisition | Erste & Steiermärkische Bank d.d. Croatia 2003 merger of Bjelovarska + Trgovačka + Riječka + Slavonska + Croatia Banka by Erste Group; Dec 11 2018 KEKS Pay launch as Croatia's first cross-bank P2P payment app | Addiko Bank Croatia post-2002 Hypo Alpe-Adria-Bank Croatia subsidiary + 2014 EU-mandated Hypo Group separation + 2016 Addiko Bank AG rebranding by Advent International + EBRD; Q1 2025 Addiko Bank's mobile banking users increased by 8% year-over-year to 322,000 + total digital users grew by 7% to 329,000 |

## Status

**Active, Croatian state + Hrvatska Pošta postal subsidiary + one of Croatia's largest commercial banks by assets + mHPB SuperSmart current/giro account opening + mHPB mobile token for individuals + businesses + HPB claims 'most advanced mBanking in Croatia' + HPB Croatia Finacle e-banking solution** <sup>[1][1], [2][2], [3][3]</sup>:
- **Hrvatska poštanska banka d.d. (ZSE: HPB; Croatian state + Hrvatska Pošta postal subsidiary; one of Croatia's largest commercial banks by assets)** since Oct 1991 HPB founding via Croatian government + Hrvatska Pošta merger + 2014 HPB ZSE IPO under ticker HPB + 2015 mHPB mobile banking app launch + 2016-2019 HPB Croatia goes live with Finacle e-banking solution.
- **HPB postal network distribution via Hrvatska Pošta**.
- **mHPB SuperSmart current/giro account opening + mHPB mobile token for individuals + businesses + HPB claims 'most advanced mBanking in Croatia'**.
- **HNB + ECB regulated**.

## Sources

[1]: https://www.hpb.hr/en/about-us/110 "HPB - About us — HPB"
[2]: https://play.google.com/store/apps/details?id=co.infinum.hpb "mHPB - Apps on Google Play"
[3]: https://www.finacle.com/news-room/press-release/hpb-croatia-goes-live-finacle-e-banking-solutio/ "HPB Croatia goes live with Finacle e-banking solution — Finacle"
[hr-cro]: https://docs.barcoder.ai/docs/payments/HR

- [1] [HPB - About us — HPB][1]
- [2] [mHPB - Apps on Google Play][2]
- [3] [HPB Croatia goes live with Finacle e-banking solution — Finacle][3]
- <sup>[Croatia report](https://docs.barcoder.ai/docs/payments/HR)</sup> In-corpus: `reports/countries/HR-croatia.md`

## Source

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