Is Bitcoin Legal in Croatia?
Yes. Bitcoin is legal in Croatia, and crypto service providers need a MiCA licence from HANFA.
Legal and regulated · facts checked November 2026 · some details from secondary sources · bitcoin is $77,623 today
| Status | Legal and regulated |
|---|---|
| Regulator | HANFA (Croatian Financial Services Supervisory Agency); Hrvatska narodna banka for stablecoin issuers |
| Main law | MiCA, implemented by the Croatian Act on the implementation of Regulation (EU) 2023/1114 (2024); ESMA lists an 18-month transitional period, ending 1 July 2026 |
| Exchanges | Yes: MiCA CASP authorisation from HANFA or an EU passport. |
| Paying with bitcoin | Not legal tender (euro only); merchants may accept it voluntarily. |
| Banks | Yes; banks may serve or partner with licensed CASPs, and credit institutions can offer crypto services after notifying the regulator (MiCA Art. 60). |
| Tax | Gains are taxed at 12% if the coins were held under 2 years; gains on coins held over 2 years are exempt (Porezna uprava). |
| Mining | Allowed. |
| Recent change | 1 July 2026: the MiCA transitional period ended; HANFA has been granting CASP authorisations. |
Bitcoin in Croatia: FAQ
Is bitcoin legal in Croatia?
Yes: bitcoin is legal in Croatia, and crypto service providers need a MiCA licence from HANFA.
Is bitcoin legal tender in Croatia?
Not legal tender (euro only); merchants may accept it voluntarily.
How is bitcoin taxed in Croatia?
Gains are taxed at 12% if the coins were held under 2 years; gains on coins held over 2 years are exempt (Porezna uprava).
Who regulates crypto in Croatia?
HANFA (Croatian Financial Services Supervisory Agency); Hrvatska narodna banka for stablecoin issuers. Yes: MiCA CASP authorisation from HANFA or an EU passport.
Is bitcoin mining legal in Croatia?
Allowed..
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