Podravska banka d.d.

Podravska banka d.d. is a Croatian commercial bank headquartered in Koprivnica, providing retail and SME services through a modest branch footprint and digital channels. Its offering includes current and savings accounts in euro, term deposits, domestic and international payments, debit and credit cards on major schemes, and lending such as overdrafts, consumer and housing loans for individuals alongside working-capital and investment loans for businesses. Internet and mobile banking cover balance and transaction views, payments, card controls, and routine service requests, with strong customer authentication in line with PSD2 and open-banking access for licensed third parties. Following Croatia’s adoption of the euro in 2023, domestic transfers run under SEPA standards; cross-border transfers outside SEPA are handled via SWIFT, with pricing outlined in the bank’s published tariff. Fees generally apply for account packages, cards, transfers, and ATM withdrawals, with higher charges likely at other banks’ ATMs; terms vary by package and client segment. The bank is licensed and supervised by the Croatian National Bank, and eligible deposits are protected by the national deposit guarantee scheme up to EUR 100,000 per depositor per bank, consistent with EU rules. Account opening and documentation requirements depend on residency and business profile, and enhanced due diligence may apply to certain customers. Prospective users should review current branch and ATM coverage, digital feature sets and transaction limits, and the fees for instant payments, foreign transfers, and card usage before choosing products.