Croatia is experiencing a steady growth in the number of cryptocurrency investors, with more than 62,000 investors or 1.51% of the population, entering the digital assets space. For more users looking to begin trading cryptocurrencies in Croatia, the first step would be to look for the best cryptocurrency exchange in Croatia. 

This guide reviews and compares 7 of the best Croatia crypto exchanges. We will assess the top crypto exchanges in Croatia based on their fees, tradable cryptos, payment options and more. 

The Best Crypto Exchanges in Croatia for 2024

In the table below, we have listed 7 of the best crypto & Bitcoin exchanges in Croatia for 2024. 

  • Crypto.com Earn Interest on Digital Assets
  • BitstampTrading Platform for Advanced Traders
  • CoinbaseAccess Governance Protocols
  • BinanceInvest in 600 + Cryptocurrencies 
  • BitPanda – 15% APY with BEST Tokens
  • Paxful – P2P exchange to buy BTC with multiple payment options
  • Bitcoin Store HR – Best Bitcoin exchange in Croatia

The Top Bitcoin Exchanges in Croatia Reviewed

The best crypto exchanges in Croatia provide users with varying cryptos to trade, multiple different payment methods and low fees to start trading with. 

In the sections below, we review 7 of the best crypto exchanges in Croatia for 2024. 

1. Crypto.com – Earn Interest on Digital Assets

crypto.com logo

Crypto.com is one of the biggest crypto exchanges globally, with over 50 million users using the platform for various crypto-related activities. 

Crypto.com provides users with an intuitive mobile interface, which gives access to more than 250 cryptocurrencies to trade. Furthermore, investors can stake their assets with Crypto.com Earn. This feature lets investors earn interest by locking up various crypto assets for a minimum period of 3-months. 

With Crypto.com, investors pay a simple maker/taker fee of 0.40% per transaction. Among the available payment methods are credit/debit cards, which cost 2.99% per transaction. However, the platform offers its own VISA card – which can be used for gaining cashback while purchasing cryptocurrencies. 

Investors can begin trading with wire transfers, which charge no fees and only require a minimum deposit of $20. 

Crypto.com - Top crypto exchanges in Croatia

Additionally, Crypto.com offers to invest in CRO – the native token of this crypto exchange. Users holding a certain number of CRO tokens can earn an additional interest of 2% on their stakes. Furthermore, a 10% discount is also applied on trading fees by holding CRO. 

Crypto.com also keeps 98% of all assets in cold storage – storing them offline and protecting them from online hacking. 

Number of Cryptos Pricing Structure Bitcoin Trading Fee Minimum Deposit
250+ available Maker/Taker fee model 0.40% per transaction $20 (on wire transfers)

Pros

  • 250 + cryptocurrencies to trade
  • Earn interest on cryptocurrencies 
  • Holding CRO tokens increase APY on stakes by 2%
  • Low maker/taker fee of 0.40% per trade

Cons

  • Extra fees of 2.99% while using credit and debit cards

Cryptoassets are a highly volatile unregulated investment product. No UK or EU investor protection.

2. BitStamp – Trading Platform for Advanced Traders

BitStamp is another top crypto exchange for users to start trading within Croatia. This cryptocurrency exchange stands out forBitstamp logo its advanced trading options and strategies provided with its platform, TradeView. 

With BitStamp, traders can access multiple charting options and gain real-time insights before opening new positions. Furthermore, the platform provides API capabilities and allows users to deploy their own algorithmic patterns on TradeView. 

Best cryptocurrency exchanges in Croatia

BitStamp is used by over 4 million people with access to 70 + crypto assets. The platform supports trading at a low trading fee of 0.50%, as long as the 30-day trading volume is below $10,000. 

Payments via credit cards are charged with a hefty commission of 8% per transaction for small amounts. This number decreases to 5% with an increase in the transaction volume. 

Number of Cryptos Pricing Structure Bitcoin Trading Fee Minimum Deposit
70+ cryptocurrencies Fixed Trading Fee 0.50% transaction fee on buying and selling Changes per Payment Method

Pros 

  • Useful for skilled and day-traders
  • API capabilities
  • Trading fees begin at only 0.50% per transaction
  • 70 + crypto assets

Cons 

  • High fees when purchasing cryptos with credit cards

Cryptoassets are a highly volatile unregulated investment product. No UK or EU investor protection.

3. Coinbase – Access Governance Protocols

coinbase logo

Coinbase is one of the biggest crypto exchanges in Croatia, with more than 98 million verified users on the platform. With Coinbase, users can access over 100 cryptocurrencies with the standard platform. 

However, users can upgrade to Coinbase Pro and access 250 + cryptocurrencies to buy and sell.

Coinbase also allows users to participate in network governance, involving voting on network decisions for top cryptocurrencies by staking a certain amount of tokens. 

Binance - Biggest crypto exchanges in Croatia

All assets that have been staked for governance are also kept in cold storage and stored offline. When purchasing cryptocurrencies, users must pay a 1.49% commission fee and a maker/take fee beginning at 0.50% per transaction. 

The price increases by 3.99% when purchasing cryptos with credit and debit cards. However, Coinbase Pro users are not required to pay additional fees with Credit/Debit purchases. 

Number of Cryptos Pricing Structure Bitcoin Trading Fee Minimum Deposit
100 + (250 + with Coinbase Pro) Commission fee +maker/taker fee 1.49% commission + 0.50% maker/taker fee $50

Pros 

  • Standard and Pro platform to choose from
  • 100 – 250 cryptocurrencies available on Coinbase
  • Free credit/debit card purchases with Coinbase Pro
  • Governance protocols available

Cons 

  • High credit and debit card fees on the standard platform

Cryptoassets are a highly volatile unregulated investment product. No UK or EU investor protection.

4. Binance – Invest in 600 Cryptocurrencies 

Binance Logo

Binance is one of the biggest crypto & Bitcoin exchanges, with the highest trading volume out of any exchange available in Croatia. 

Binance is best known for allowing users to invest in 600 + cryptocurrencies. Furthermore, Binance Earn supports staking digital assets in return for APY (Annual Percentage Yields) for up to 7% on Bitcoin. 

Just like Crypto.com, Binance has its native token – BNB. By holding this asset, users can avail 25% lesser fees on all transactions. Even without BNB, the platform only charges a 0.1% commission fee per transaction. 

Binance - Buy multiple cryptos in Croatia

Another feature that Binance offers is spot trading & leverage trading. By leveraging trades, users can seek to enhance the value of an open position by up to 1:100. Although the chances of earning more increase, there is a rapid increase in the chances of losing money as well by leveraging assets. 

Notably, Binance supports fiat deposits with Credit/Debit cards in Croatian kuna (HRK). The minimum deposit is 200 HRK or $16.7.

Number of Cryptos Pricing Structure Bitcoin Trading Fee Minimum Deposit
600+ cryptocurrencies Maker/Taker fee 0.1% 200 HRK ($16)

Pros 

  • 600 + cryptos to trade
  • Low trading fee starting at 0.1%
  • Discounted fees with BNB coins
  • Binance offers Leverage Trading

Cons 

  • Multiple features that may suit advanced traders

Cryptoassets are a highly volatile unregulated investment product. No UK or EU investor protection.

5. BitPanda – 15% APY with BEST Tokens

Bitpanda buyBitPanda is a top crypto exchange for buying multiple cryptocurrencies in Croatia. Users can avail multiple payment options like MasterCard, VISA and Neteller to begin their investments for as little as €1. 

Furthermore, BitPanda offers a standard platform and a Pro platform. The standard platform comes with a fee of 1.49% per transaction and hidden fees added while opening a new position. 

BitPanda - Croatian crypto exchange

With BitPanda Pro, investors must follow a simple maker/taker fee model. A maximum maker/taker fee of 0.1% and 0.15% is applied with the Pro platform. 

BitPanda supports the trading of some of the biggest assets like BTC, along with its own native token – BEST. By staking BEST, users have the chance to earn up to 15% APY on their holdings. 

Number of Cryptos Pricing Structure Bitcoin Trading Fee Minimum Deposit
6 available cryptocurrencies Trading fee + hidden fees (Maker/taker fees for Pro platform) 1.49% fee per transaction (Maker/taker fee of 0.1%/0.15%) Changes per payment option

Pros 

  • Purchase cryptos with as little as €1
  • Stake BEST for 15% APY
  • Multiple payment methods to choose from 
  • Low fees with the BitPanda Pro platform

Cons 

  • Complex fee structure

6. Paxful – P2P exchange to buy BTC with multiple payment options

Paxful is a P2P Bitcoin exchange that supports the conversion of HRK directly to Bitcoin on its trading platform. Launched in Paxful Logo 2015, Paxful has more than 5 million users who can purchase Bitcoin using 300 + payment methods. 

For example, users can use PayPal to purchase Bitcoin with a minimum deposit of 130 HRK ($18). Other payment methods include iTunes Gift cards, wire transfers, Skrill and Revolut. 

Paxful home

As this platform matches sellers with buyers, users can access a feedback system to connect with the platform’s best users. Sellers who successfully transfer their assets to another buyer must pay a 1% commission on every trade. 

Paxful can be accessed via the desktop interface and the mobile app – available on iOS and Android. 

Number of Cryptos Pricing Structure Bitcoin Trading Fee Minimum Deposit
1 Fee per transaction  1% commission per transaction Varies per Payment method

Pros

  • More than 300 + payment options
  • Low trading fees for sellers
  • Allows BTC purchases using HRK

Cons 

  • Only supports trading of BTC

7. Bitcoin Store HR – Best Bitcoin Exchange in Croatia 

Bitcoin Store HR is a trading platform based out of Croatia, allowing the buying and selling of more than 130 crypto assets. Bitcoin Store HR logo

With Bitcoin Store HR, users can access the Bitcoin Store wallet, a digital wallet that securely facilitates cryptocurrency trading. Users can deposit the local currency HRK using mobile banking options, bank transfers and payment slips.

On the other hand, Bitcoin Store HR also has physical Bitcoin stores, allowing users to buy cryptocurrencies with cash.

Bitcoin Store HR - Best Bitcoin exchange in Croatia

While the platform does not charge any commission, a Bitcoin store exchange rate is applied between 1% to 5%, depending on the varying rates of world cryptocurrency exchanges. 

Normally, cash transactions have a higher exchange rate than online transactions. 

Bitcoin Store HR also offers its native crypto token – STORE as an investment opportunity. The platform supports a referral programme, which gifts 10 free STORE tokens for every successful referral made by a user. 

Number of Cryptos Pricing Structure Bitcoin Trading Fee Minimum Deposit
130 + No commission, charges an exchange rate  1% to 5% exchange rate charged Depends on payment method

Pros 

  • 130 + cryptocurrencies
  • No commission on trades
  • Provides Physical Bitcoin stores in Croatia
  • Multiple payment methods

Cons 

  • High transaction costs for cash payments

The Best Croatia Crypto Exchanges Compared

In the table below, we compare the best crypto exchanges in Croatia based on their tradable cryptos, pricing structure and trading fees.

Exchange  Number of Cryptos Pricing Structure Bitcoin Trading Fee Minimum Deposit
Crypto.com 250+ available Maker/Taker fee model 0.40% per transaction $20 (on wire transfers)
Bitstamp 70+ cryptocurrencies Fixed Trading Fee 0.50% transaction fee on buying and selling Changes per Payment Method
Coinbase 100 + (250 + with Coinbase Pro) Commission fee +maker/taker fee 1.49% commission + 0.50% maker/taker fee $50
Binance 600+ cryptocurrencies Maker/Taker fee 0.1% 200 HRK ($16)
Paxful 1 Fee per transaction  1% commission per transaction Varies per Payment method
BitPanda 6 available cryptocurrencies Trading fee + hidden fees (Maker/taker fees for Pro platform) 1.49% fee per transaction (Maker/taker fee of 0.1%/0.15%) Changes per payment option
Bitcoin Store HR 130 + No commission charges an exchange rate  1% to 5% exchange rate charged Depends on payment method

How to Choose the Best Croatia Cryptocurrency Exchange for You

Before beginning to trade with a crypto exchange in Croatia, users may want to compare the available options on several factors – such as regulations, available cryptocurrencies and payment methods. 

In the sections below, we discuss some of the main factors to consider when choosing the best Croatia crypto exchanges. 

Regulation

Users may want to begin trading with a cryptocurrency exchange registered and regulated by some top-tier regulatory bodies. Most regulated exchanges adhere to strong regulations and safety standards, which keep them in check.  

Tradable Cryptos 

Investors usually compare the top crypto exchanges based on the number of cryptocurrencies available on the platform. While Binance provides more than 600 cryptocurrencies, others like Coinbase offer more than 250 tradable assets with their Pro platform. 

More so, some Croatian crypto exchanges may allow users to also stake and earn interests from their assets. 

Sign-up offers

Many Croatian crypto exchanges will attract users by providing sign-up offers and free rewards. For example, Coinbase offers $5 worth of BTC for free when investors refer another user to sign-up and add a payment method to their trading account. 

Coinbase Sign Up Bonus

Fees

Crypto exchanges offer differing fees and different price models as well. For example, Crypto.com charges a simple maker/taker fee beginning at 0.40% per trade.

Other exchanges like Binance charge a fee beginning at only 0.1% commission per trade. Bitcoin Store HR charges no commission, instead taking a cut on the exchange rates when swapping fiat currency with cryptocurrencies. 

Tools & Features

Users may want to review the available platform tools & features to choose which is the best fit for their trading needs.

Payment methods

Users in Croatia may want to begin trading using the local currency, Croatian kuna (HRK). Paxful and Bitcoin Store HR both support HRK as a fiat payment method. In terms of payment options, Paxful allows users to begin investing using over 300 + methods such as gift cards, PayPal, Skrill, bank transfers and more. 

Customer service

Customer service can be a top priority for millions of users who are new to trading. Many of the best platforms provide 24/7 customer service and dedicated account managers to help users with their queries. 

The National Bank of Croatia states that cryptocurrencies and all virtual assets are not considered financial ledgers in the country. However, the trading and circulation of electronic and virtual assets are not illegal, meaning users can buy and sell cryptocurrencies in Croatia. 

Furthermore, the trade of crypto assets is permitted with multiple payment forms such as payment slips, online transfers, credit cards and digital wallets. Moreover, Croatia also has Bitcoin stores set up in various parts of the country, allowing users to purchase Bitcoin directly with cash. 

Crypto Tax in Croatia

Cryptocurrencies in Croatia are not regulated or supervised by Croatian laws. However, taxes still need to be paid, depending on how these assets have been obtained. 

Any income from the selling of cryptos is treated as a financial transaction. Since sold digital assets are considered a type of receipt, income tax must be paid. In Croatia, the tax on selling cryptos is fixed at 10%. Furthermore, a surtax is added, depending on the city of residence. 

When exchanging cryptocurrencies, users do not have to pay any tax. This is because the digital assets have not been converted into fiat currency.

Finally, cryptos earned from any incentives such as completing online surveys and promoting or advertising products are taxed as self-employment or working income. A 20% tax is levied for all profits up to 360 HRK ($50). 

Anything above this rate is taxed at 30%. 

Conclusion

This guide has reviewed and compared 8 of the best cryptocurrency exchanges in Croatia. Furthermore, we have provided a step-by-step guide on how to purchase cryptos from Croatia in 2024. 

After comparing the various exchanges on their fees, payment options and other vital metrics, we recommend Crypto.com as the best Croatian crypto exchange to use.

FAQs

Is cryptocurrency legal in Croatia?

Where can I buy crypto in Croatia?

What crypto exchanges work in Croatia?

Are crypto exchanges regulated in Croatia?

What is the best crypto exchange in Croatia?

Can Croatian people use Binance?

Does Coinbase support Croatia?