Wallets/rba-croatia
RBA Croatia (Raiffeisenbank Austria Croatia) / mojaRBA
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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 [1, 2, hr-cro]. 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 [1, 2, 3]:
- 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 [3].
2025: mojaRBA Croatian banking app + RaiPay Croatian payment app + Raiffeisen mobile investing distinctive Croatian banking innovation [1, 2].
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: [[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; 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]] (Croatia #3-4; Erste Group Croatian subsidiary; George Hrvatska Croatian app) + [[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; Croatian state-controlled bank) + [[addiko-bank]] (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 | [[zagrebacka-banka]] (Croatia's largest bank by assets with 25.16% Croatian market share 2024 rival; UniCredit Croatian subsidiary) | [[pbz]] (Croatia #2 by assets rival; Intesa Sanpaolo Croatian subsidiary; ~22%+ Croatian market share; 1.5M Croatian clients) | [[erste-bank-hrvatska]] (Croatia #3-4 rival; Erste Group Croatian subsidiary; George Hrvatska Croatian app) | [[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 [1, 2, 3]:
- 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 Become a client without coming to the bank — RBA
- 2 mojaRBA mobile banking — RBA
- 3 Raiffeisenbank Austria d.d. (Croatia) — Bank Profile
- hr-cro In-corpus:
reports/countries/HR-croatia.md
Source
Biography extracted from rba-croatia.md. See matrix.md for standards-support matrix if present.