Wallets/keks-pay
KEKS Pay
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Overview
KEKS Pay is Croatia's Erste Bank-anchored mobile P2P payment app + 300,000+ users +30% vs end-2021 ~230k + 700,000+ downloads + 1.2k average daily downloads last 30 days + 75% KEKS Pay users bank outside Erste + first Croatian banking solution available to all bank customers regardless of which bank they are customers of + Forbes top 5 European mobile payment apps 1, 2, Croatia report. 2025 baseline: KEKS Pay 300,000+ users + 30% growth vs ~230k end-2021 + 700,000+ downloads + 1.2k average daily downloads last 30 days; 75% KEKS Pay users bank outside Erste distinctive Croatian Erste-anchored mobile P2P payment cross-bank reach; First Croatian banking solution available to all bank customers regardless of which bank they are customers of distinctive Croatian Erste-anchored mobile P2P payment cross-bank pioneer; Innovative mobile app for transferring funds quickly and securely, completely free of charge distinctive Croatian Erste-anchored mobile P2P payment free transfer model; Forbes top 5 European mobile payment apps distinctive Croatian Erste-anchored mobile P2P payment European recognition.
Distinctive KEKS Pay positioning:
- Croatia's Erste Bank-anchored mobile P2P payment app (Erste & Steiermärkische Bank d.d. Croatia / Erste Bank Hrvatska; Erste Group Austrian parent subsidiary)
- 300,000+ users +30% vs end-2021 ~230k distinctive Croatian mobile P2P payment user growth
- 700,000+ downloads distinctive Croatian mobile P2P payment download scale
- 1.2k average daily downloads last 30 days distinctive Croatian mobile P2P payment ongoing daily adoption
- 75% KEKS Pay users bank outside Erste distinctive Croatian Erste-anchored mobile P2P payment cross-bank reach
- First Croatian banking solution available to all bank customers regardless of which bank they are customers of distinctive Croatian Erste-anchored mobile P2P payment cross-bank pioneer
- Innovative mobile app for transferring funds quickly and securely, completely free of charge distinctive Croatian Erste-anchored mobile P2P payment free transfer model
- Forbes top 5 European mobile payment apps distinctive Croatian Erste-anchored mobile P2P payment European recognition
- Dec 2018 KEKS Pay launch by Erste Bank Hrvatska as Croatia's first cross-bank P2P payment app distinctive Croatian Erste-anchored mobile P2P payment heritage
History
Dec 11 2018 — KEKS Pay launch by Erste Bank Hrvatska as Croatia's first cross-bank P2P payment app + 'a unique app for sending and receiving funds free of charge' distinctive Croatian Erste-anchored mobile P2P payment heritage 3.
Feb 5 2019 — KEKS Pay 20,000 users + Forbes includes KEKS Pay among top 5 European mobile payment apps.
End-2021 — KEKS Pay ~230,000 users.
2023 — KEKS Pay 300,000+ users (+30% vs end-2021 ~230k) 1.
2025 — KEKS Pay 700,000+ downloads + 1.2k average daily downloads last 30 days + 75% KEKS Pay users bank outside Erste 1, 2.
Ownership & operator
Operating entity: Erste & Steiermärkische Bank d.d. Croatia (Erste Bank Hrvatska) (Erste Group Austrian parent subsidiary; KEKS Pay mobile P2P payment app).
Major shareholders: Erste Group Bank AG (VSE: EBS; Austrian + CEE banking group) majority controlling Erste Bank Hrvatska.
Regulators: HNB (Hrvatska narodna banka / Croatian National Bank) + ECB.
Technical integration
KEKS Pay mobile P2P payment app (iOS + Android; 300,000+ users +30% vs end-2021 ~230k; 700,000+ downloads; 1.2k average daily downloads last 30 days) + kekspay.hr online + Erste Bank Hrvatska Croatian banking license; SEPA + SEPA Instant + EPC-QR; First Croatian banking solution available to all bank customers regardless of which bank they are customers of + 75% KEKS Pay users bank outside Erste + innovative mobile app for transferring funds quickly and securely, completely free of charge distinctive Croatian Erste-anchored mobile P2P payment cross-bank pioneer + free transfer model + Croatian Top 10 Financial Apps App Store and Google Play.
Users & growth
2025: KEKS Pay 300,000+ users +30% vs end-2021 ~230k + 700,000+ downloads + 1.2k average daily downloads last 30 days + 75% KEKS Pay users bank outside Erste.
Use cases
Croatian retail + private + cross-bank P2P payments + bill payments + merchant payments + Croatian Top 10 Financial Apps via KEKS Pay mobile + kekspay.hr online; SEPA + SEPA Instant + EPC-QR; First Croatian banking solution available to all bank customers regardless of which bank they are customers of + 75% KEKS Pay users bank outside Erste + innovative mobile app for transferring funds quickly and securely, completely free of charge distinctive Croatian Erste-anchored mobile P2P payment cross-bank pioneer + free transfer model.
Implementations & partners
Operator: Erste & Steiermärkische Bank d.d. Croatia (Erste Bank Hrvatska) (Erste Group Austrian parent subsidiary; KEKS Pay mobile P2P payment app); Erste Group Bank AG (VSE: EBS; Austrian + CEE banking group) majority controlling Erste Bank Hrvatska.
Erste Group global ecosystem: Erste Group Bank AG (Austria) (Erste Group Austrian parent) + Erste Bank Hrvatska / George Hrvatska (Erste Bank Hrvatska Croatian Erste subsidiary; KEKS Pay parent) + Banca Comerciala Romana (BCR) (BCR Romania Erste subsidiary; Banca Comercială Română) + Česká spořitelna (George app) (Erste Group Czech Republic subsidiary; Česká spořitelna) + Erste Bank Hungary (Erste Bank Hungary) + Slovenská sporiteľňa / George Slovakia (Erste Bank Slovakia; Slovenská sporiteľňa) + Erste Bank Serbia (Erste Bank Serbia).
Major Croatian + adjacent European competitors: Aircash (Croatia's first mobile wallet; 600,000+ users globally HR + SI + AT 2025; Croatia's first EMI E-Money Institution; HNB-licensed) + mPay (Croatian Privredna banka Zagreb-affiliated mobile wallet) + PBZ (Privredna banka Zagreb) (Privredna banka Zagreb mobile banking; Intesa Sanpaolo Italian parent subsidiary) + Zagrebačka banka (ZABA) / m-zaba (Zagrebačka banka; Croatia's largest commercial bank by assets; UniCredit Italian parent subsidiary) + HPB (Hrvatska poštanska banka) (Hrvatska poštanska banka mHPB mobile banking; Croatian state + Hrvatska Pošta postal subsidiary) + Addiko Bank Croatia (Addiko Bank Croatia; Addiko Bank AG Austrian parent subsidiary) + Erste Bank Hrvatska / George Hrvatska (Erste Bank Hrvatska; Erste Group Austrian parent subsidiary; Croatian Erste subsidiary; KEKS Pay parent) + RBA Croatia (Raiffeisenbank Austria Croatia) / mojaRBA (Raiffeisen Bank Croatia; Raiffeisen Bank International Austrian parent subsidiary) + OTP banka Hrvatska / OTPgo (OTP banka Hrvatska; OTP Bank Hungarian parent subsidiary post-2019 Splitska banka acquisition) + Bizum (Spanish bank-consortium analogous; analogous Croatian KEKS Pay model) + TWINT (Swiss bank-consortium analogous; analogous Croatian KEKS Pay model) + BLIK (Polish bank-consortium analogous; analogous Croatian KEKS Pay model) + Apple Pay + Google Pay (Big-Tech rivals in HR) + Revolut (UK global expansion to HR) + Wero (EPI pan-European unified wallet — Croatia transition pending).
Regulators: HNB + ECB.
Fun facts
- Croatia's Erste Bank-anchored mobile P2P payment app (Erste & Steiermärkische Bank d.d. Croatia / Erste Bank Hrvatska; Erste Group Austrian parent subsidiary).
- 300,000+ users +30% vs end-2021 ~230k distinctive Croatian mobile P2P payment user growth.
- 700,000+ downloads distinctive Croatian mobile P2P payment download scale.
- 1.2k average daily downloads last 30 days distinctive Croatian mobile P2P payment ongoing daily adoption.
- 75% KEKS Pay users bank outside Erste distinctive Croatian Erste-anchored mobile P2P payment cross-bank reach.
- First Croatian banking solution available to all bank customers regardless of which bank they are customers of distinctive Croatian Erste-anchored mobile P2P payment cross-bank pioneer.
- Innovative mobile app for transferring funds quickly and securely, completely free of charge distinctive Croatian Erste-anchored mobile P2P payment free transfer model.
- Forbes top 5 European mobile payment apps distinctive Croatian Erste-anchored mobile P2P payment European recognition.
- Dec 11 2018 KEKS Pay launch by Erste Bank Hrvatska as Croatia's first cross-bank P2P payment app + 'a unique app for sending and receiving funds free of charge' distinctive Croatian Erste-anchored mobile P2P payment heritage.
Comparison
| Feature | KEKS Pay | Aircash (Croatia's first mobile wallet rival; 600,000+ users globally HR + SI + AT 2025) | mPay (Croatian Privredna banka Zagreb-affiliated mobile wallet rival) | Bizum (Spanish bank-consortium analogous rival) | TWINT (Swiss bank-consortium analogous rival) |
|---|---|---|---|---|---|
| Operator | Erste & Steiermärkische Bank d.d. Croatia (Erste Bank Hrvatska) (Erste Group Austrian parent subsidiary; KEKS Pay mobile P2P payment app) | Aircash d.o.o. (Hrvoje Ćosić founder + CEO; Croatia's first EMI) | mPay (Privredna banka Zagreb-affiliated mobile wallet) | Bizum (Spanish bank-consortium consortium) | TWINT AG (Swiss bank consortium: PostFinance + UBS + Raiffeisen + Zürcher Kantonalbank + SIX Group) |
| Type | Croatia's Erste Bank-anchored mobile P2P payment app + 300,000+ users +30% vs end-2021 ~230k + 700,000+ downloads + 1.2k average daily downloads last 30 days + 75% KEKS Pay users bank outside Erste + first Croatian banking solution available to all bank customers regardless of which bank they are customers of + Forbes top 5 European mobile payment apps | Croatia's first mobile wallet + Aircash Prepaid Card + Aircash Point agent-kiosk network + multi-country HR + SI + AT + 600,000+ users globally 2025 | HR Privredna banka Zagreb-affiliated mobile wallet | Spanish bank-consortium A2A mobile wallet | Swiss bank-consortium A2A mobile wallet (CH #1 mobile-payment) |
| Country | HR | HR + SI + AT | HR | ES | CH |
| Distinctive | Dec 11 2018 KEKS Pay launch by Erste Bank Hrvatska as Croatia's first cross-bank P2P payment app + 'a unique app for sending and receiving funds free of charge'; Feb 5 2019 KEKS Pay 20,000 users + Forbes includes KEKS Pay among top 5 European mobile payment apps; End-2021 ~230k users; 2023 300,000+ users; 2025 700,000+ downloads + 75% users bank outside Erste | 2017 Aircash launch as Croatia's first mobile wallet; June 2020 100k HR users milestone; 2023 200k+ HR users +70% YoY; 2025 600k+ globally | mPay Privredna banka Zagreb-affiliated mobile wallet | 2016 Bizum founding by Spanish bank consortium | 2014 TWINT founding by Swiss bank consortium |
Status
Active, Croatia's Erste Bank-anchored mobile P2P payment app + 300,000+ users +30% vs end-2021 ~230k + 700,000+ downloads + 1.2k average daily downloads last 30 days + 75% KEKS Pay users bank outside Erste + first Croatian banking solution available to all bank customers regardless of which bank they are customers of + Forbes top 5 European mobile payment apps 1, 2, 3:
- Erste & Steiermärkische Bank d.d. Croatia (Erste Bank Hrvatska) (Erste Group Austrian parent subsidiary; KEKS Pay mobile P2P payment app) since Dec 11 2018 KEKS Pay launch by Erste Bank Hrvatska as Croatia's first cross-bank P2P payment app + Feb 5 2019 KEKS Pay 20,000 users + Forbes includes KEKS Pay among top 5 European mobile payment apps + End-2021 KEKS Pay ~230,000 users + 2023 KEKS Pay 300,000+ users + 2025 KEKS Pay 700,000+ downloads + 75% KEKS Pay users bank outside Erste.
- KEKS Pay 300,000+ users + 700,000+ downloads + 1.2k average daily downloads last 30 days.
- Innovative mobile app for transferring funds quickly and securely, completely free of charge.
- HNB + ECB regulated.
Sources
- 1 Croatian KEKS Pay App Exceeds Impressive 300,000 Users — Total Croatia
- 2 How we developed KEKS Pay, Croatia's sweetest fintech app — 404 Agency
- 3 Introducing KEKS Pay – a unique app for sending and receiving funds free of charge — Erste Bank Hrvatska
- Croatia report In-corpus:
reports/countries/HR-croatia.md
Source
Biography extracted from keks-pay.md. See matrix.md for standards-support matrix if present.