Wallets/aircash
Aircash
0 standards supported
Overview
Aircash is Croatia's first mobile wallet [1, 2, hr-cro]. 2025 baseline: 600,000+ users globally across Croatia + Slovenia + Austria. Croatia-specific (2023): 200,000+ users (+70% YoY).
Distinctive Aircash positioning:
- First Croatian digital wallet (launched 2017).
- EMI (E-Money Institution) licensed by HNB (Hrvatska narodna banka / Croatian National Bank) — Croatia's first EMI.
- Aircash Prepaid Card integration + agent-kiosk network (Aircash Point).
- Multi-country European expansion: Croatia + Slovenia + Austria primary; expanding to other European markets.
Croatian fintech context (2020): Aircash broke the "magic 100,000 users" mark in Republic of Croatia in early June 2020 — distinctive milestone for Croatian fintech.
History
2017 — Aircash launches [2] as Croatia's first mobile wallet by Hrvoje Ćosić (CEO) and team.
Early June 2020 — 100,000 Croatian users milestone.
2023 — 200,000+ Croatian users (+70% YoY) [3].
2025 — 600,000+ users globally across HR + SI + AT [4].
Ownership & operator
Operating entity: Aircash d.o.o. (Croatian E-Money Institution).
Founder + CEO: Hrvoje Ćosić.
Regulators: HNB (Hrvatska narodna banka / Croatian National Bank) + ECB — Croatia adopted Euro January 1, 2023.
Technical integration
| Layer | Description |
|---|---|
| Channels | Aircash mobile app (iOS + Android) + Aircash Prepaid Card + Aircash Point agent-kiosk network |
| Identifiers | Phone + email + card number |
| HR rail | Croatian payment-rails + SEPA (Croatia adopted Euro Jan 1, 2023) |
| License | E-Money Institution (HNB-licensed — Croatia's first EMI) |
| Sub-products | Aircash wallet + Aircash Prepaid Card + Aircash Point cash-in/cash-out kiosks + Aircash Online Checkout + Aircash POS + Aircash for Business |
| Multi-country: HR primary + SI + AT |
Users & growth
2025 baseline [4]:
- Global users: 600,000+ across HR + SI + AT
- Croatia-specific (2023): 200,000+ (+70% YoY)
- Croatia milestone (June 2020): 100,000 Croatian users
- EMI license: Croatia's first
Use cases
Croatian digital wallet for payments + P2P transfers + Aircash Prepaid Card spending; Aircash Point agent-kiosk cash-in/cash-out; online + POS merchant payments via Aircash Online Checkout + Aircash POS; Aircash for Business (Croatian + Slovenian + Austrian SMEs); multi-country European expansion.
Implementations & partners
Operator: Aircash d.o.o. (Hrvoje Ćosić founder + CEO).
Major Croatian + adjacent European competitors:
- KEKS Pay (Croatian Erste Bank-affiliated mobile wallet)
- mPay (Croatian Privredna banka Zagreb mobile wallet)
- Bizum (Spanish bank-consortium analogous)
- TWINT (Swiss bank-consortium analogous)
- BLIK (Polish bank-consortium analogous)
- Apple Pay + Google Pay (Big-Tech rivals in HR + SI + AT)
- [[revolut]] (Batch 1 covered; UK global expansion to HR)
- wero (EPI pan-European unified wallet — Croatia transition pending)
Regulators: HNB + ECB.
Fun facts
- Croatia's first mobile wallet (2017 launch).
- Croatia's first EMI (E-Money Institution) — HNB-licensed.
- 600,000+ users globally (Croatia + Slovenia + Austria; 2025).
- 2023 Croatia-specific: 200,000+ users (+70% YoY).
- Founder + CEO Hrvoje Ćosić — Croatian fintech entrepreneur.
- Multi-country European expansion: HR + SI + AT with plans for further European market entry.
- Aircash Point agent-kiosk network — distinctive cash-in/cash-out Croatian infrastructure.
Comparison
| Feature | Aircash | KEKS Pay (HR Erste Bank rival) | mPay (HR Privredna banka Zagreb rival) | twint (Swiss bank-consortium analogous) | wero (EPI pan-European unified wallet) |
|---|---|---|---|---|---|
| Operator | Aircash d.o.o. (Hrvoje Ćosić founder + CEO; Croatia's first EMI) | KEKS Pay (Erste Bank Croatia-affiliated) | mPay (Privredna banka Zagreb-affiliated) | TWINT AG (Swiss bank consortium: PostFinance + UBS + Raiffeisen + Zürcher Kantonalbank + SIX Group) | EPI Company |
| Type | Croatia's first mobile wallet + Aircash Prepaid Card + Aircash Point agent-kiosk network + multi-country HR + SI + AT | HR Erste-anchored mobile wallet | HR PBZ-anchored mobile wallet | Swiss bank-consortium A2A mobile wallet (CH #1 mobile-payment) | Pan-European EPI A2A unified wallet |
| Country | HR + SI + AT | Croatia | Croatia | Switzerland | DE + FR + BE + LU + NL (transition) |
| Users | 600K+ globally (2025); 200K+ Croatia (2023; +70% YoY) | Major HR Erste customer base | Major HR PBZ customer base | 6M+ (>half CH population) | Phased rollout |
| Distinctive | Croatia's first mobile wallet + first EMI; Aircash Point agent-kiosk distinctive; multi-country HR + SI + AT; Croatia adopted Euro Jan 2023 | Erste Bank-anchored | PBZ-anchored | Switzerland's #1 mobile-payment; surpassed Apple/Google Pay | European sovereignty initiative |
Status
Active, Croatia's first mobile wallet + EMI [3, 4]:
- Aircash d.o.o. (Hrvoje Ćosić founder + CEO) since 2017.
- 600,000+ users globally (HR + SI + AT; 2025).
- Croatia's first EMI (HNB-licensed).
- Aircash Prepaid Card + Aircash Point agent-kiosk network + Aircash POS + Aircash for Business.
- HNB + ECB regulated; Croatia adopted Euro Jan 1, 2023.
Sources
- 1 Aircash — official
- 2 Aircash first Croatian mobile wallet — Total Croatia
- 3 Aircash doubles HR users — Total Croatia
- 4 About us — Aircash
- hr-cro In-corpus:
reports/countries/HR-croatia.md
Source
Biography extracted from aircash.md. See matrix.md for standards-support matrix if present.