# KEKS Pay

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

Specifications:
- [KEKS Pay — official](https://kekspay.hr/)

## 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** <sup>[1][1], [2][2], [Croatia report](https://docs.barcoder.ai/docs/payments/HR)</sup>. **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 <sup>[3][3]</sup>.

**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)** <sup>[1][1]</sup>.

**2025 — KEKS Pay 700,000+ downloads + 1.2k average daily downloads last 30 days + 75% KEKS Pay users bank outside Erste** <sup>[1][1], [2][2]</sup>.

## 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)](https://docs.barcoder.ai/docs/wallets/erste-group) (Erste Group Austrian parent) + [Erste Bank Hrvatska / George Hrvatska](https://docs.barcoder.ai/docs/wallets/erste-bank-hrvatska) (Erste Bank Hrvatska Croatian Erste subsidiary; KEKS Pay parent) + [Banca Comerciala Romana (BCR)](https://docs.barcoder.ai/docs/wallets/banca-comerciala-romana) (BCR Romania Erste subsidiary; Banca Comercială Română) + [Česká spořitelna (George app)](https://docs.barcoder.ai/docs/wallets/ceska-sporitelna) (Erste Group Czech Republic subsidiary; Česká spořitelna) + Erste Bank Hungary (Erste Bank Hungary) + [Slovenská sporiteľňa / George Slovakia](https://docs.barcoder.ai/docs/wallets/slovenska-sporitelna) (Erste Bank Slovakia; Slovenská sporiteľňa) + Erste Bank Serbia (Erste Bank Serbia).

**Major Croatian + adjacent European competitors**: [Aircash](https://docs.barcoder.ai/docs/wallets/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)](https://docs.barcoder.ai/docs/wallets/pbz) (Privredna banka Zagreb mobile banking; Intesa Sanpaolo Italian parent subsidiary) + [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) + [HPB (Hrvatska poštanska banka)](https://docs.barcoder.ai/docs/wallets/hpb) (Hrvatska poštanska banka mHPB mobile banking; Croatian state + Hrvatska Pošta postal subsidiary) + [Addiko Bank Croatia](https://docs.barcoder.ai/docs/wallets/addiko-bank-hr) (Addiko Bank Croatia; Addiko Bank AG Austrian 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) + [Bizum](https://docs.barcoder.ai/docs/standards/bizum) (Spanish bank-consortium analogous; analogous Croatian KEKS Pay model) + [TWINT](https://docs.barcoder.ai/docs/standards/twint) (Swiss bank-consortium analogous; analogous Croatian KEKS Pay model) + [BLIK](https://docs.barcoder.ai/docs/standards/blik) (Polish bank-consortium analogous; analogous Croatian KEKS Pay model) + [Apple Pay](https://docs.barcoder.ai/docs/wallets/apple-pay) + [Google Pay](https://docs.barcoder.ai/docs/wallets/google-pay) (Big-Tech rivals in HR) + [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

- **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](https://docs.barcoder.ai/docs/wallets/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](https://docs.barcoder.ai/docs/standards/bizum) (Spanish bank-consortium analogous rival) | [TWINT](https://docs.barcoder.ai/docs/standards/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** <sup>[1][1], [2][2], [3][3]</sup>:
- **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]: https://total-croatia-news.com/news/made-in-croatia/croatian-keks-pay/ "Croatian KEKS Pay App Exceeds Impressive 300,000 Users — Total Croatia"
[2]: https://www.404.agency/en/work/how-keks-pay-entered-top-10-financial-apps-app-store-and-google-play/ "How we developed KEKS Pay, Croatia's sweetest fintech app — 404 Agency"
[3]: https://www.erstebank.hr/en/press/press-releases/2018/12/11/introducing-keks-pay-a-unique-app-for-sending-and-receiving-funds-free-of-charge "Introducing KEKS Pay – a unique app for sending and receiving funds free of charge — Erste Bank Hrvatska"
[hr-cro]: https://docs.barcoder.ai/docs/payments/HR

- [1] [Croatian KEKS Pay App Exceeds Impressive 300,000 Users — Total Croatia][1]
- [2] [How we developed KEKS Pay, Croatia's sweetest fintech app — 404 Agency][2]
- [3] [Introducing KEKS Pay – a unique app for sending and receiving funds free of charge — Erste Bank Hrvatska][3]
- <sup>[Croatia report](https://docs.barcoder.ai/docs/payments/HR)</sup> In-corpus: `reports/countries/HR-croatia.md`

## Source

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