# RBA Croatia (Raiffeisenbank Austria Croatia) / mojaRBA

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

Specifications:
- [RBA Croatia — official](https://www.rba.hr/)

## Overview

**RBA Croatia (Raiffeisenbank Austria d.d.)** is **Croatia's 6th largest bank by assets with 8.14% Croatian market share 2024** + **Raiffeisen Bank International Croatian subsidiary** <sup>[1][1], [2][2], [Croatia report](https://docs.barcoder.ai/docs/payments/HR)</sup>. **2025 baseline**: **mojaRBA mobile banking app** (one of the best-rated on the Croatian banking market) + **RaiPay Croatian payment app** + Raiffeisen mobile investing distinctive Croatian banking innovation; RBA Croatia 100% Raiffeisen Bank International (Austria) ownership; member of Raiffeisen Banking Group.

**Distinctive RBA Croatia positioning** <sup>[1][1], [2][2], [3][3]</sup>:
- **Croatia's 6th largest bank by assets with 8.14% Croatian market share 2024**
- **Raiffeisen Bank International Croatian subsidiary** (Raiffeisen Bank International = Austrian banking group flagship + CEE banking leader; member of Raiffeisen Banking Group)
- **mojaRBA mobile banking app** (one of the best-rated on the Croatian banking market)
- **RaiPay Croatian payment app** — distinctive Croatian banking payment innovation
- **Raiffeisen mobile investing** distinctive Croatian banking innovation
- **RBA Croatia 100% Raiffeisen Bank International (Austria) ownership** — distinctive Austrian-Croatian banking full ownership
- **1994 Raiffeisenbank Austria d.d. Croatia founding** as Raiffeisen Bank International Croatian subsidiary

## History

**1862 — Raiffeisen Banking Group founded** in Austria by Friedrich Wilhelm Raiffeisen — distinctive Austrian-German cooperative banking heritage.

**1994 — Raiffeisenbank Austria d.d. Croatia founded** as Raiffeisen Bank International Croatian subsidiary → distinctive Austrian-Croatian banking expansion.

**2014 — mojaRBA mobile banking app launches**.

**2020 — RaiPay Croatian payment app launches** as distinctive Croatian banking payment innovation.

**2024 — RBA Croatia 6th largest bank in Croatia with 8.14% Croatian market share** <sup>[3][3]</sup>.

**2025**: mojaRBA Croatian banking app + RaiPay Croatian payment app + Raiffeisen mobile investing distinctive Croatian banking innovation <sup>[1][1], [2][2]</sup>.

## Ownership & operator

**Operating entity**: **Raiffeisenbank Austria d.d.** (Raiffeisen Bank International AG subsidiary).

**Parent**: **Raiffeisen Bank International AG (WBAG: RBI)** — Austrian banking group flagship + CEE banking leader; member of Raiffeisen Banking Group.

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

## Technical integration

**mojaRBA mobile banking app** (iOS + Android; one of the best-rated on the Croatian banking market) + **RaiPay Croatian payment app** + **Raiffeisen mobile investing** distinctive Croatian banking innovation + **ePoslovnica** RBA Croatia business banking + rba.hr online + RBA Croatia cards (Visa + Mastercard) + RBA Croatia Croatian branch network; SEPA Instant + Aktivni računi Croatian instant payment service; RBA Croatia internet banking + RBA Croatia investment banking + RBA Croatia private banking.

## Users & growth

**2024**: RBA Croatia 6th largest bank in Croatia with 8.14% Croatian market share; **2025**: mojaRBA Croatian banking app + RaiPay Croatian payment app + Raiffeisen mobile investing distinctive Croatian banking innovation.

## Use cases

Croatian retail + private + corporate + SME + investment + insurance + private banking via mojaRBA + RaiPay + Raiffeisen mobile investing + ePoslovnica business banking + rba.hr online + cards + branches; SEPA Instant + Aktivni računi Croatian instant payment service; RBA Croatia investment banking + RBA Croatia private banking.

## Implementations & partners

**Operator**: Raiffeisenbank Austria d.d. (Raiffeisen Bank International AG subsidiary); **Raiffeisen Bank International AG (WBAG: RBI) parent** (RBA Croatia 100% Raiffeisen Bank International ownership).

**Raiffeisen Bank International Group sister entities**: Raiffeisen Bank International Austria parent (WBAG: RBI) + Raiffeisenbank Czech Republic + Tatra banka Slovakia + Raiffeisen Bank Romania + Raiffeisen Bank Hungary + Raiffeisen Bank Serbia + Raiffeisen Bank Bosnia + Raiffeisen Bank Albania + Raiffeisen Bank Belarus + Raiffeisen Bank Russia (formerly; subject to post-2022 Russia sanctions controversy + RBI Russia exit pressure) + Raiffeisen Bank Kosovo + Raiffeisen Bank Ukraine + Raiffeisen Group pan-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) + [OTP banka Hrvatska / OTPgo](https://docs.barcoder.ai/docs/wallets/otp-banka-hrvatska) (Croatia #4-5; OTP Group Croatian subsidiary; post-Dec 2018 Splitska banka acquisition; OTPgo Croatian distinctive integrated digital banking app + headquarters moved to Split) + [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

- **Croatia's 6th largest bank by assets with 8.14% Croatian market share 2024**.
- **Raiffeisen Bank International Croatian subsidiary** (Raiffeisen Bank International = Austrian banking group flagship + CEE banking leader; member of Raiffeisen Banking Group).
- **mojaRBA mobile banking app** (one of the best-rated on the Croatian banking market).
- **RaiPay Croatian payment app** — distinctive Croatian banking payment innovation.
- **Raiffeisen mobile investing** distinctive Croatian banking innovation.
- **RBA Croatia 100% Raiffeisen Bank International (Austria) ownership** — distinctive Austrian-Croatian banking full ownership.
- **1994 Raiffeisenbank Austria d.d. Croatia founding** as Raiffeisen Bank International Croatian subsidiary.

## Comparison

| Feature | RBA Croatia (Raiffeisenbank Austria) / mojaRBA | [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) | [OTP banka Hrvatska / OTPgo](https://docs.barcoder.ai/docs/wallets/otp-banka-hrvatska) (Croatia #4-5 rival; OTP Group Croatian subsidiary; post-Dec 2018 Splitska banka acquisition; OTPgo Croatian distinctive integrated digital banking app) |
|---|---|---|---|---|---|
| Operator | **Raiffeisenbank Austria d.d. (Raiffeisen Bank International AG subsidiary; RBI parent WBAG: RBI)** | 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) | OTP banka d.d. (OTP Group subsidiary; OTP Bank Nyrt. parent BSE: OTP) |
| Type | **Croatia #6 by assets with 8.14% Croatian market share 2024 + Raiffeisen Bank International Croatian subsidiary + mojaRBA Croatian banking app + RaiPay Croatian payment app + Raiffeisen mobile investing distinctive Croatian banking innovation + 100% Raiffeisen Bank International ownership** | 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 | 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 | 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) |
| Country | HR | HR | HR | HR | HR |
| Distinctive | **1862 Raiffeisen Banking Group founded in Austria by Friedrich Wilhelm Raiffeisen; 1994 Raiffeisenbank Austria d.d. Croatia founding as Raiffeisen Bank International Croatian subsidiary; 2014 mojaRBA launch; 2020 RaiPay launch; 2024 Croatia 6th largest bank with 8.14% market share** | 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 | Sep 1989 Splitska banka founded in Split; Mar 2002 Société Générale 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 |

## Status

**Active, Croatia's 6th largest bank by assets with 8.14% Croatian market share 2024 + Raiffeisen Bank International Croatian subsidiary** <sup>[1][1], [2][2], [3][3]</sup>:
- **Raiffeisenbank Austria d.d. (Raiffeisen Bank International AG subsidiary; RBI parent WBAG: RBI)** since 1862 Raiffeisen Banking Group founded in Austria by Friedrich Wilhelm Raiffeisen + 1994 Raiffeisenbank Austria d.d. Croatia founding as Raiffeisen Bank International Croatian subsidiary.
- **mojaRBA Croatian banking app + RaiPay Croatian payment app + Raiffeisen mobile investing distinctive Croatian banking innovation**.
- **RBA Croatia 100% Raiffeisen Bank International (Austria) ownership**.
- **HNB + ECB regulated**.

## Sources

[1]: https://www.rba.hr/en/individuals.html "Become a client without coming to the bank — RBA"
[2]: https://www.rba.hr/en/individuals/digital-banking/mobile-banking.html "mojaRBA mobile banking — RBA"
[3]: https://thebanks.eu/banks/9834 "Raiffeisenbank Austria d.d. (Croatia) — Bank Profile"
[hr-cro]: https://docs.barcoder.ai/docs/payments/HR

- [1] [Become a client without coming to the bank — RBA][1]
- [2] [mojaRBA mobile banking — RBA][2]
- [3] [Raiffeisenbank Austria d.d. (Croatia) — Bank Profile][3]
- <sup>[Croatia report](https://docs.barcoder.ai/docs/payments/HR)</sup> In-corpus: `reports/countries/HR-croatia.md`

## Source

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