RelatedAll e-walletsCroatia

Keks PayKeks Pay

Croatia E-wallet Foreigners restricted Not a bank · not insured ★ 3.7
Open on official site ↗
OperatorErste & Steiermärkische Bank (Croatia, Keks brand)
Minimum top-upNo top-up; direct debit
Main feesFree for buyers; debited from linked account.
Local bank neededLink a Croatian local account
How to sign upWithin bank app — QR/bills/P2P
Sign-up timeInstant with local account
Data baseline 2026-10. Editor-verified, but rules change — confirm with the official site before applying. Data transparency →

About this wallet

Croatia’s mainstream mobile payment inside local bank apps for merchant QR, bills and P2P, widely covered.

!Not a bank. Keks Pay is a Croatian bank’s mobile payment; funds come from linked accounts, not held by Keks Pay.

Can foreigners or tourists open it?

Limited. Needs a Croatian account; foreigners with one can use it.

Advantages

  • Broad Croatian coverage
  • Free and instant
  • Easy bills and P2P

Limitations

  • Local accounts only
  • Foreigners need local account
  • No international use

What you need

  • Croatian account
  • Bank app
  • Phone

No top-up; direct debit｜Free for buyers; debited from linked account.

How to sign up

  1. Enable Keks Pay in bank app
  2. Link account
  3. Pay/request via QR/phone
  4. Scan at merchant

Limits & protection

By bank and account

FAQ

Can a foreigner or tourist open Keks Pay?

Limited. Needs a Croatian account; foreigners with one can use it.

Do I need a local bank account or a local phone number for Keks Pay?

Local bank account: Link a Croatian local account. Items typically needed: Croatian account; Bank app; Phone.

What documents are required to open Keks Pay?

Typically: Croatian account; Bank app; Phone.

How do I sign up for and top up Keks Pay?

How to sign up: Within bank app — QR/bills/P2P (Instant with local account). Steps: 1) Enable Keks Pay in bank app 2) Link account 3) Pay/request via QR/phone 4) Scan at merchant Fees: Free for buyers; debited from linked account.

Are there limits on Keks Pay? Is the balance deposit-insured?

By bank and account

Ready? Open it officially

E-wallet rules change often — always follow the latest instructions in the official app.

Open on official site ↗ We charge no fees and cannot guarantee approval — always apply through official channels.

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