- by croatiaweek
- July 24, 2026
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in
Business
ZAGREB, 24 July 2026 – Croatia’s Ministry of Finance has launched a public consultation on a proposed Croatian Investment Account (HIR), a new framework designed to make investing easier and more tax-efficient for citizens while encouraging the development of the country’s capital market.
Under the proposed legislation, individuals would be able to invest in shares, bonds, money market instruments, UCITS funds and exchange-traded funds (ETFs) through a specially regulated investment account without incurring a tax liability, subject to the conditions set out in the law.
The ministry says the initiative aims to encourage citizens to direct part of their savings away from bank deposits, which generally offer lower returns, towards long-term investment in capital markets with the potential for higher returns.
The HIR would not be a new type of bank account, but a specially regulated investment account available to private individuals.
Each citizen would be able to open one Croatian Investment Account with an authorised intermediary meeting the legal requirements and listed publicly by the Croatian Financial Services Supervisory Agency (Hanfa).
The draft legislation proposes a maximum cumulative contribution of €200,000, rising to €250,000 under conditions specified by law. Account holders would be able to freely manage their funds, while authorised intermediaries would handle the related administrative obligations.
The proposed system is part of Croatia’s Capital Market Development Strategy for 2025 to 2030 and its 2025 to 2026 Action Plan, adopted by the Croatian Government in March 2025.
It also follows European Commission recommendations issued in September 2025 to improve access to savings and investment accounts across EU member states.
The Ministry of Finance said the measure is intended to increase citizens’ participation in capital markets, strengthen financial literacy and domestic investment, and support greater market liquidity and economic development.
The public consultation on the draft law runs from 24 July to 23 August 2026 through Croatia’s e-Savjetovanja platform.
