# OTP banka Hrvatska / OTPgo

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

Specifications:
- [OTP banka — official](https://www.otpbanka.hr/)

## Overview

**OTP banka Hrvatska** is **OTP Group's Croatian subsidiary** + **post-Dec 2018 OTP banka Hrvatska Splitska banka acquisition completion + headquarters moved to Split** <sup>[1][1], [2][2], [Croatia report](https://docs.barcoder.ai/docs/payments/HR)</sup>. **2025 baseline**: **OTPgo distinctive Croatian integrated digital banking app** (brand new digital banking service that integrates the existing services of OTPDirect + OTP mobile banking + m-token; by signing up for OTPgo service, gain access to internet + mobile banking + m-token service all in single application); OTP mobile banking HR + Elementa OTPbanka.hr internet banking.

**Distinctive OTP banka Hrvatska positioning** <sup>[1][1], [2][2], [3][3]</sup>:
- **OTP Group's Croatian subsidiary** (OTP Group = Hungary's largest bank + major CEE banking group; 12M+ customers; 9-country presence)
- **Post-Dec 2018 OTP banka Hrvatska Splitska banka acquisition completion + headquarters moved to Split** — distinctive Croatian banking consolidation (OTP Group Splitska banka acquisition from Société Générale for €1.95B in Dec 2017 / closed 2018)
- **OTPgo distinctive Croatian integrated digital banking app** (brand new digital banking service that integrates the existing services of OTPDirect + OTP mobile banking + m-token; by signing up for OTPgo service, gain access to internet + mobile banking + m-token service all in single application)
- **OTP mobile banking HR + Elementa OTPbanka.hr internet banking**
- **OTP banka Hrvatska Croatian headquarters in Split** (post-Dec 2018 Splitska banka acquisition; distinctive Croatian banking headquarters relocation from Zadar to Split)

## History

**Sep 1989 — Splitska banka founded** in Split, Croatia → distinctive Croatian banking heritage (OTP banka Hrvatska's main predecessor).

**Mar 2002 — Société Générale acquires Splitska banka from Croatian government** → distinctive French-Croatian banking acquisition.

**2014 — OTP banka Hrvatska founded in Zadar** as OTP Group Croatian subsidiary.

**Dec 2018 — OTP Group acquires Splitska banka from Société Générale for €1.95B** + **OTP banka Hrvatska + Splitska banka merger** → OTP banka Hrvatska headquarters moved to Split <sup>[3][3]</sup>.

**2019 — OTPgo distinctive Croatian integrated digital banking app launches** (brand new digital banking service that integrates the existing services of OTPDirect + OTP mobile banking + m-token).

**2025 baseline**: OTPgo Croatian integrated digital banking app + OTP mobile banking HR + Elementa OTPbanka.hr internet banking <sup>[1][1], [2][2]</sup>.

## Ownership & operator

**Operating entity**: **OTP banka d.d.** (OTP Group subsidiary).

**Parent**: **OTP Bank Nyrt. (BSE: OTP)** — Hungary's largest bank + major CEE banking group; 12M+ customers; 9-country presence.

**Regulators**: **HNB (Hrvatska narodna banka) + ECB** (Croatian banking supervision under EU SSM scope).

## Technical integration

**OTPgo distinctive Croatian integrated digital banking app** (iOS + Android; brand new digital banking service that integrates the existing services of OTPDirect + OTP mobile banking + m-token) + **OTP mobile banking HR** + **Elementa OTPbanka.hr internet banking** + otpbanka.hr online + OTP banka Hrvatska cards (Visa + Mastercard) + OTP banka Hrvatska Croatian branch network; SEPA Instant + Aktivni računi Croatian instant payment service; **OTP m-business HR** OTP banka Hrvatska business banking app.

## Users & growth

**2025**: OTPgo Croatian integrated digital banking app + OTP mobile banking HR + Elementa OTPbanka.hr internet banking; **OTP banka Hrvatska Croatian headquarters in Split** (post-Dec 2018 Splitska banka acquisition).

## Use cases

Croatian retail + private + corporate + SME + investment + insurance banking via OTPgo + OTP mobile banking HR + Elementa OTPbanka.hr internet banking + otpbanka.hr online + cards + branches + OTP m-business HR business banking app; SEPA Instant + Aktivni računi Croatian instant payment service.

## Implementations & partners

**Operator**: OTP banka d.d. (OTP Group subsidiary); **OTP Bank Nyrt. (BSE: OTP) parent**.

**OTP Group sister entities**: [OTP Bank (Hungary)](https://docs.barcoder.ai/docs/wallets/otp-bank) (Hungary parent; BSE: OTP) + [DSK Bank](https://docs.barcoder.ai/docs/wallets/dsk-bank) (OTP Group Bulgarian subsidiary; Bulgaria's 2nd largest bank by assets with 18.93% Bulgarian market share 2025; 2.6M+ Bulgarian customers) + OTP Bank Romania + OTP Bank Slovakia + OTP Bank Serbia + OTP Bank Albania + OTP Bank Slovenia + OTP Bank Montenegro + OTP Bank Moldova + 9-country OTP Group CEE presence.

**Major Croatian banking competitors**: [Zagrebačka banka (ZABA) / m-zaba](https://docs.barcoder.ai/docs/wallets/zagrebacka-banka) (Croatia's largest bank by assets with 25.16% Croatian market share 2024; UniCredit's Croatian subsidiary post-Mar 2002 UniCredit Group acquisition; m-zaba Croatian distinctive mobile banking app) + [PBZ (Privredna banka Zagreb)](https://docs.barcoder.ai/docs/wallets/pbz) (Privredna banka Zagreb; Croatia #2 by assets; Intesa Sanpaolo Croatian subsidiary; ~22%+ Croatian market share; 1.5M Croatian clients; 700K+ PBZ digital app users May 2025) + [Erste Bank Hrvatska / George Hrvatska](https://docs.barcoder.ai/docs/wallets/erste-bank-hrvatska) (Croatia #3-4; Erste Group Croatian subsidiary; George Hrvatska Croatian app) + [RBA Croatia (Raiffeisenbank Austria Croatia) / mojaRBA](https://docs.barcoder.ai/docs/wallets/rba-croatia) (Croatia #6 by assets with 8.14% Croatian market share 2024; Raiffeisen Bank International Croatian subsidiary; mojaRBA Croatian banking app) + [HPB (Hrvatska poštanska banka)](https://docs.barcoder.ai/docs/wallets/hpb) (Hrvatska poštanska banka; Croatian state-controlled bank) + [Addiko Bank Croatia](https://docs.barcoder.ai/docs/wallets/addiko-bank-hr) (Slovenian Hypo Group Alpe Adria Croatian subsidiary).

**Regulators**: HNB + ECB.

## Fun facts

- **OTP Group's Croatian subsidiary** (OTP Group = Hungary's largest bank + major CEE banking group; 12M+ customers; 9-country presence).
- **Post-Dec 2018 OTP banka Hrvatska Splitska banka acquisition completion + headquarters moved to Split** — distinctive Croatian banking consolidation (OTP Group Splitska banka acquisition from Société Générale for €1.95B in Dec 2017 / closed 2018).
- **OTPgo distinctive Croatian integrated digital banking app** (brand new digital banking service that integrates the existing services of OTPDirect + OTP mobile banking + m-token; by signing up for OTPgo service, gain access to internet + mobile banking + m-token service all in single application).
- **OTP mobile banking HR + Elementa OTPbanka.hr internet banking**.
- **OTP banka Hrvatska Croatian headquarters in Split** (post-Dec 2018 Splitska banka acquisition; distinctive Croatian banking headquarters relocation from Zadar to Split).
- **Sep 1989 Splitska banka founded in Split, Croatia** → distinctive Croatian banking heritage (OTP banka Hrvatska's main predecessor).

## Comparison

| Feature | OTP banka Hrvatska / OTPgo | [Zagrebačka banka (ZABA) / m-zaba](https://docs.barcoder.ai/docs/wallets/zagrebacka-banka) (Croatia's largest bank by assets with 25.16% Croatian market share 2024 rival; UniCredit Croatian subsidiary) | [PBZ (Privredna banka Zagreb)](https://docs.barcoder.ai/docs/wallets/pbz) (Croatia #2 by assets rival; Intesa Sanpaolo Croatian subsidiary; ~22%+ Croatian market share; 1.5M Croatian clients) | [Erste Bank Hrvatska / George Hrvatska](https://docs.barcoder.ai/docs/wallets/erste-bank-hrvatska) (Croatia #3-4 rival; Erste Group Croatian subsidiary; George Hrvatska Croatian app) | [RBA Croatia (Raiffeisenbank Austria Croatia) / mojaRBA](https://docs.barcoder.ai/docs/wallets/rba-croatia) (Croatia #6 by assets with 8.14% Croatian market share 2024 rival; Raiffeisen Bank International Croatian subsidiary; mojaRBA Croatian banking app) |
|---|---|---|---|---|---|
| Operator | **OTP banka d.d. (OTP Group subsidiary; OTP Bank Nyrt. parent BSE: OTP)** | Zagrebačka banka d.d. (UniCredit subsidiary; UniCredit S.p.A. parent BIT: UCG) | Privredna banka Zagreb d.d. (Intesa Sanpaolo subsidiary; Intesa Sanpaolo S.p.A. parent BIT: ISP) | Erste & Steiermärkische banka d.d. (Erste Group subsidiary; Erste Group Bank AG parent WBAG: EBS) | Raiffeisenbank Austria d.d. (Raiffeisen Bank International AG subsidiary) |
| Type | **OTP Group's Croatian subsidiary + post-Dec 2018 Splitska banka acquisition completion + headquarters moved to Split + OTPgo distinctive Croatian integrated digital banking app (integrating OTPDirect + OTP mobile banking + m-token) + OTP mobile banking HR + Elementa OTPbanka.hr internet banking + OTP m-business HR business banking app** | Croatia #1 by assets with 25.16% Croatian market share 2024 + UniCredit's Croatian subsidiary + m-zaba + m-zaba poslovno bankarstvo + e-zaba internet banking | Croatia #2 by assets + >22% Croatian market share + Intesa Sanpaolo Croatian subsidiary + 1.5M Croatian clients + 700K+ digital app users May 2025 + €18.2B deposits + €397M 2023 net income + 2024 first Croatian minibonds | One of Croatia's largest banks + Erste Group's Croatian subsidiary + George Hrvatska app (Erste Group's pan-CEE George digital banking platform Croatian instance) + Erste Group George CEE platform ~10-11M users end-2023 | Croatia #6 by assets with 8.14% Croatian market share 2024 + Raiffeisen Bank International Croatian subsidiary + mojaRBA Croatian banking app + RaiPay Croatian payment app |
| Country | HR | HR | HR | HR | HR |
| Distinctive | **Sep 1989 Splitska banka founded in Split (OTP banka Hrvatska's main predecessor); Mar 2002 Société Générale Splitska banka Croatian government acquisition; 2014 OTP banka Hrvatska founded in Zadar; Dec 2018 OTP Group Splitska banka acquisition from Société Générale for €1.95B + OTP banka Hrvatska + Splitska banka merger + headquarters moved to Split; 2019 OTPgo Croatian integrated digital banking app launch** | 1914 Gradska štedionica founded in Zagreb; 1977 renamed Zagrebačka banka; Mar 2002 UniCredit Group acquisition | Jul 1 1962 Privredna banka Zagreb founding in Zagreb; 1999 Banca Commerciale Italiana majority acquisition; Jan 1 2007 Banca Intesa + Sanpaolo IMI merger → Intesa Sanpaolo PBZ member; Jun 2015 Intesa Sanpaolo 97.47% PBZ EBRD acquisition | 1819 First Austrian Savings Bank founded in Vienna; 2003 Erste Bank Hrvatska formed via 5-bank Croatian banking consolidation; 2020 George Hrvatska launch | Raiffeisen Bank International Croatian subsidiary |

## Status

**Active, OTP Group's Croatian subsidiary + post-Dec 2018 OTP banka Hrvatska Splitska banka acquisition completion + headquarters moved to Split** <sup>[1][1], [2][2], [3][3]</sup>:
- **OTP banka d.d. (OTP Group subsidiary; OTP Bank Nyrt. parent BSE: OTP)** since Sep 1989 Splitska banka founded in Split + Mar 2002 Société Générale Splitska banka Croatian government acquisition + 2014 OTP banka Hrvatska founded in Zadar + Dec 2018 OTP Group Splitska banka acquisition from Société Générale for €1.95B + OTP banka Hrvatska + Splitska banka merger + headquarters moved to Split.
- **2019 OTPgo Croatian integrated digital banking app launch** (integrating OTPDirect + OTP mobile banking + m-token).
- **HNB + ECB regulated**.

## Sources

[1]: https://www.otpbanka.hr/en/retail "OTP banka — Retail"
[2]: https://www.otpbanka.hr/en/instructions/otp-m-banking "OTP m-banking — OTP bank d.d."
[3]: https://www.otpbanka.hr/en/gradani/online-services "Online services — OTP bank d.d."
[hr-cro]: https://docs.barcoder.ai/docs/payments/HR

- [1] [OTP banka — Retail][1]
- [2] [OTP m-banking — OTP bank d.d.][2]
- [3] [Online services — OTP bank d.d.][3]
- <sup>[Croatia report](https://docs.barcoder.ai/docs/payments/HR)</sup> In-corpus: `reports/countries/HR-croatia.md`

## Source

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