Wallets/hpb
HPB (Hrvatska poštanska banka)
0 standards supported
Overview
HPB (Hrvatska poštanska banka) is Croatian state + Hrvatska Pošta postal subsidiary + one of Croatia's largest commercial banks by assets + mHPB SuperSmart current/giro account opening + mHPB mobile token for individuals + businesses + HPB claims 'most advanced mBanking in Croatia' + HPB Croatia Finacle e-banking solution [1, 2, hr-cro]. 2025 baseline: HPB Croatian state + Hrvatska Pošta postal subsidiary + one of Croatia's largest commercial banks by assets; mHPB is a mobile application that offers users opening a SuperSmart HPB current and/or giro account, mobile banking service for individuals and businesses, mobile token (mToken) service for individuals and businesses, and services and tools distinctive Croatian state-postal banking mobile-first banking; HPB describes itself as having 'the most advanced mBanking in Croatia' distinctive Croatian state-postal banking mobile banking claim; HPB Croatia goes live with Finacle e-banking solution distinctive Croatian state-postal banking digital infrastructure.
Distinctive HPB positioning:
- Croatian state + Hrvatska Pošta postal subsidiary (Hrvatska poštanska banka d.d.; ZSE: HPB)
- One of Croatia's largest commercial banks by assets distinctive Croatian state-postal banking market position
- mHPB SuperSmart current/giro account opening distinctive Croatian state-postal banking mobile account opening
- mHPB mobile token for individuals + businesses distinctive Croatian state-postal banking mobile token authentication
- HPB claims 'most advanced mBanking in Croatia' distinctive Croatian state-postal banking mobile banking claim
- HPB Croatia Finacle e-banking solution distinctive Croatian state-postal banking digital infrastructure
- HPB postal network distribution via Hrvatska Pošta distinctive Croatian state-postal banking + postal hybrid distribution
- Oct 1991 HPB founding via Croatian government + Hrvatska Pošta merger distinctive Croatian post-independence banking heritage
History
Oct 1991 — Hrvatska poštanska banka d.d. founded via Croatian government + Hrvatska Pošta merger distinctive Croatian post-independence banking heritage.
2014 — HPB ZSE IPO under ticker HPB distinctive Croatian state-postal banking listing.
2015 — mHPB mobile banking app launch distinctive Croatian state-postal banking mobile banking strategy.
2016-2019 — HPB Croatia goes live with Finacle e-banking solution distinctive Croatian state-postal banking digital infrastructure [3].
2025 — HPB Croatian state + Hrvatska Pošta postal subsidiary + one of Croatia's largest commercial banks by assets + mHPB SuperSmart current/giro account opening + mHPB mobile token for individuals + businesses + HPB claims 'most advanced mBanking in Croatia' [1, 2].
Ownership & operator
Operating entity: Hrvatska poštanska banka d.d. (ZSE: HPB; Croatian state + Hrvatska Pošta postal subsidiary; one of Croatia's largest commercial banks by assets).
Major shareholders: Hrvatska Pošta (Croatian state-owned postal service) + Croatian government (Croatian state) + State Agency for Deposit Insurance and Bank Resolution Croatia + Croatian retail + institutional + foreign investors.
Regulators: HNB (Hrvatska narodna banka / Croatian National Bank) + ECB.
Technical integration
mHPB mobile banking app (iOS + Android) + HPB eBank online + HPB postal network distribution via Hrvatska Pošta + HPB branch network across Croatia + HPB Visa + Mastercard cards; SEPA + SEPA Instant + EPC-QR + HUB-3 (Croatian payment slip standard); mHPB is a mobile application that offers users opening a SuperSmart HPB current and/or giro account, mobile banking service for individuals and businesses, mobile token (mToken) service for individuals and businesses, and services and tools distinctive Croatian state-postal banking mobile-first banking + HPB describes itself as having 'the most advanced mBanking in Croatia' distinctive Croatian state-postal banking mobile banking claim + HPB Croatia goes live with Finacle e-banking solution distinctive Croatian state-postal banking digital infrastructure + HPB postal network distribution via Hrvatska Pošta distinctive Croatian state-postal banking + postal hybrid distribution.
Users & growth
HPB Croatian state + Hrvatska Pošta postal subsidiary + one of Croatia's largest commercial banks by assets.
Use cases
Croatian retail + private + SME + commercial + corporate + postal banking + state banking via mHPB mobile + HPB eBank online + HPB postal network distribution via Hrvatska Pošta + HPB branch network across Croatia + Visa/Mastercard cards; SEPA + SEPA Instant + EPC-QR + HUB-3; mHPB SuperSmart current/giro account opening + mHPB mobile token for individuals + businesses + HPB 'most advanced mBanking in Croatia' + HPB Croatia Finacle e-banking solution + HPB postal network distribution via Hrvatska Pošta distinctive Croatian state-postal banking comprehensive offering.
Implementations & partners
Operator: Hrvatska poštanska banka d.d. (ZSE: HPB; Croatian state + Hrvatska Pošta postal subsidiary; one of Croatia's largest commercial banks by assets); Hrvatska Pošta (Croatian state-owned postal service) + Croatian government (Croatian state) + State Agency for Deposit Insurance and Bank Resolution Croatia + Croatian retail + institutional + foreign investors.
Hrvatska Pošta postal partnership: HPB postal network distribution via Hrvatska Pošta (Croatian state-owned postal service) distinctive Croatian state-postal banking + postal hybrid distribution.
Major Croatian banking + payments competitors: [[zagrebacka-banka]] (Zagrebačka banka; Croatia's largest commercial bank by assets; UniCredit Italian parent subsidiary) + [[pbz]] (Privredna banka Zagreb; Croatia's #2 commercial bank by assets; Intesa Sanpaolo Italian parent subsidiary) + [[erste-bank-hrvatska]] (Erste Bank Hrvatska; Erste Group Austrian parent subsidiary; Croatian Erste subsidiary) + [[rba-croatia]] (Raiffeisen Bank Croatia; Raiffeisen Bank International Austrian parent subsidiary) + [[otp-banka-hrvatska]] (OTP banka Hrvatska; OTP Bank Hungarian parent subsidiary post-2019 Splitska banka acquisition) + [[addiko-bank-hr]] (Addiko Bank Croatia; Addiko Bank AG Austrian parent subsidiary; Q1 2025 322k mobile banking users +8% YoY + 329k total digital users +7% YoY) + [[aircash]] (Croatia's first mobile wallet + Croatia's first EMI; 600,000+ users globally HR + SI + AT 2025) + [[keks-pay]] (Croatia's Erste Bank-anchored mobile P2P payment app; 300,000+ users + 700,000+ downloads + 75% users bank outside Erste + Forbes top 5 European mobile payment apps) + [[mpay]] (Croatian Privredna banka Zagreb-affiliated mobile wallet) + bizum (Spanish bank-consortium analogous) + twint (Swiss bank-consortium analogous) + blik (Polish bank-consortium analogous) + [[apple-pay]] + [[google-pay]] + [[revolut]] (UK global expansion to HR) + wero (EPI pan-European unified wallet — Croatia transition pending).
Regulators: HNB + ECB.
Fun facts
- Croatian state + Hrvatska Pošta postal subsidiary (Hrvatska poštanska banka d.d.; ZSE: HPB).
- One of Croatia's largest commercial banks by assets distinctive Croatian state-postal banking market position.
- mHPB SuperSmart current/giro account opening distinctive Croatian state-postal banking mobile account opening.
- mHPB mobile token for individuals + businesses distinctive Croatian state-postal banking mobile token authentication.
- HPB claims 'most advanced mBanking in Croatia' distinctive Croatian state-postal banking mobile banking claim.
- HPB Croatia Finacle e-banking solution distinctive Croatian state-postal banking digital infrastructure.
- HPB postal network distribution via Hrvatska Pošta distinctive Croatian state-postal banking + postal hybrid distribution.
- Oct 1991 HPB founding via Croatian government + Hrvatska Pošta merger distinctive Croatian post-independence banking heritage.
Comparison
| Feature | HPB | [[zagrebacka-banka]] (Zagrebačka banka rival; Croatia's largest commercial bank by assets) | [[pbz]] (Privredna banka Zagreb rival; Croatia's #2 commercial bank by assets) | [[erste-bank-hrvatska]] (Erste Bank Hrvatska rival; KEKS Pay parent) | [[addiko-bank-hr]] (Addiko Bank Croatia rival; Austrian Addiko Bank AG parent; 322k mobile banking users Q1 2025) |
|---|---|---|---|---|---|
| Operator | Hrvatska poštanska banka d.d. (ZSE: HPB; Croatian state + Hrvatska Pošta postal subsidiary; one of Croatia's largest commercial banks by assets) | Zagrebačka banka (Croatia's largest commercial bank by assets; UniCredit Italian parent subsidiary) | Privredna banka Zagreb (Croatia's #2 commercial bank by assets; Intesa Sanpaolo Italian parent subsidiary) | Erste & Steiermärkische Bank d.d. Croatia (Erste Bank Hrvatska; Erste Group Austrian parent subsidiary; Croatian Erste subsidiary; KEKS Pay parent) | Addiko Bank Croatia (Addiko Bank AG Austrian parent subsidiary) |
| Type | Croatian state + Hrvatska Pošta postal subsidiary + one of Croatia's largest commercial banks by assets + mHPB SuperSmart current/giro account opening + mHPB mobile token for individuals + businesses + HPB claims 'most advanced mBanking in Croatia' + HPB Croatia Finacle e-banking solution + HPB postal network distribution via Hrvatska Pošta | Croatia's largest commercial bank by assets + UniCredit Italian parent subsidiary | Croatia's #2 commercial bank by assets + Intesa Sanpaolo Italian parent subsidiary | Croatian Erste subsidiary + KEKS Pay parent (Croatia's first cross-bank P2P payment app + 300k+ users + 75% users bank outside Erste + Forbes top 5 European mobile payment apps) | Addiko Bank Croatia + Addiko Bank AG Austrian parent + Q1 2025 322k mobile banking users +8% YoY + 329k total digital users +7% YoY + fully digital end-to-end lending processes in Slovenia + Croatia + Romania |
| Country | HR | HR | HR | HR | HR |
| Distinctive | Oct 1991 HPB founding via Croatian government + Hrvatska Pošta merger; 2014 HPB ZSE IPO under ticker HPB; 2015 mHPB mobile banking app launch; 2016-2019 HPB Croatia goes live with Finacle e-banking solution | Zagrebačka banka 1914 founding heritage; 2002 UniCredit Italian parent acquisition | Privredna banka Zagreb 1962 founding heritage; 2000 Intesa Sanpaolo (formerly Banca Intesa) acquisition | Erste & Steiermärkische Bank d.d. Croatia 2003 merger of Bjelovarska + Trgovačka + Riječka + Slavonska + Croatia Banka by Erste Group; Dec 11 2018 KEKS Pay launch as Croatia's first cross-bank P2P payment app | Addiko Bank Croatia post-2002 Hypo Alpe-Adria-Bank Croatia subsidiary + 2014 EU-mandated Hypo Group separation + 2016 Addiko Bank AG rebranding by Advent International + EBRD; Q1 2025 Addiko Bank's mobile banking users increased by 8% year-over-year to 322,000 + total digital users grew by 7% to 329,000 |
Status
Active, Croatian state + Hrvatska Pošta postal subsidiary + one of Croatia's largest commercial banks by assets + mHPB SuperSmart current/giro account opening + mHPB mobile token for individuals + businesses + HPB claims 'most advanced mBanking in Croatia' + HPB Croatia Finacle e-banking solution [1, 2, 3]:
- Hrvatska poštanska banka d.d. (ZSE: HPB; Croatian state + Hrvatska Pošta postal subsidiary; one of Croatia's largest commercial banks by assets) since Oct 1991 HPB founding via Croatian government + Hrvatska Pošta merger + 2014 HPB ZSE IPO under ticker HPB + 2015 mHPB mobile banking app launch + 2016-2019 HPB Croatia goes live with Finacle e-banking solution.
- HPB postal network distribution via Hrvatska Pošta.
- mHPB SuperSmart current/giro account opening + mHPB mobile token for individuals + businesses + HPB claims 'most advanced mBanking in Croatia'.
- HNB + ECB regulated.
Sources
- 1 HPB - About us — HPB
- 2 mHPB - Apps on Google Play
- 3 HPB Croatia goes live with Finacle e-banking solution — Finacle
- hr-cro In-corpus:
reports/countries/HR-croatia.md
Source
Biography extracted from hpb.md. See matrix.md for standards-support matrix if present.