Australia is home to almost 50,000 Croatian-born citizens and around 200,000 claiming Croatian ancestry. Following agreements signed between Croatia and Australia, people who’ve worked in both countries are entitled to improved social security benefits. In addition, an Air Services agreement has increased the frequency of flights between the two countries.
While trade relations are largely in Croatia’s favour, Australia has interests in Croatia in the energy industry, notably oil and gas, as well as in areas concerning education and tourism.
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Banks versus money transfer companies
Hana lives in Sydney with her husband and three children. Her parents have just retired and decided to buy a house on the Dalmatian coast. Hana would like to share the cost of a new refrigerator with her old sister still based in Croatia. After some research, she’s come upon two of the following service providers.
Money transfer 1
Money transfer 2
$1 = 4,98 Croatian kuna (HRK)
$1 = 4,93HRK
Amount received for $500
1 to 2 working days
1 to 3 working days
Online transfer, on the phone
Money Transfer Service 2 offers a lower exchange rate and charges a higher transfer fee, but without the benefit of quicker delivery.
How do I compare transfer companies when transferring and receiving money to Croatia?
Exchange rates. Besides what you pay for the transfer service, it’s important to choose a service that offers a competitive exchange rate.
Pick-up methods. Check with your recipient to see which pick-up method would suit them best, especially if they’re not mobile or far from a pick-up point.
Fees. Even if a service offers a competitive exchange rate, make sure that you aren’t being charged service or conversion fees for the transfer. Sometimes a good exchange rate is negated by additional fees.
Bank to bank transfers. If your recipient has a bank account with the same bank, you can effect a same-bank transfer, usually for no fee.
Turnaround time. Depending on how urgently your recipient needs the money, you can choose between services that offer instantaneous delivery (Western Union, for example) or those that make money available within one to three working days.
Transfer methods. The quickest way to send money is usually via online transfer, but you can also choose transactions concluded over the phone, in person or through your bank. Your choice depends on your preferred turnaround and fees you’re willing to pay.
Transfer options. Besides just once-off transfers, you can also choose to set up regular scheduled payments, forwards contracts and market orders.
Minimum transfer amounts. Some services require that you send a minimum amount, usually between $10 and $50. In some cases, fees are waived for transfers over a certain amount.
Customer service. It’s imperative that the money transfer service has a reliable and efficient customer service. You should be issued a tracking number to use as a reference when making enquiries about the transaction’s status.
Thanks to cordial relations between Australia and Croatia, as well as the high number of Croatian-born citizens living in Australia, there are several ways to send money between the two countries. Here are a few to consider:
Xendpay. This money transfer service will send money directly to your recipient’s bank account.
Western Union. Your recipient can collect the deposit at a Western Union agent or withdraw it from his or her bank account.
Banks. Sending money between banks usually implies higher fees, but if your recipient has a bank account within the same bank, the transfer will be effected without a fee.
Exchange4Free. This services facilitates bank-to-bank transfers for zero fees charged no matter the amount. Be sure to compare exchange rates and delivery time. You can effect a transfer online or by phone.
How do I receive money from Croatia in Australia?
In the same way that recipients in Croatia can access their deposits quickly and easily, sending money from Croatia to Australia is facilitated by several banks and online transfer services. If your priority is speedy delivery, your best bet would be an online transfer service like MoneyGram or Western Union. These services deliver within minutes and recipients can collect their money at a number of agencies or pick-up points.
Worldremit. This transfer service allows you to receive a transfer in Australia within 10 minutes of the transaction being effected. Recipients can collect their money at a MoneyGram pick-up point.
Paypal. One of the most recognisable and reliable money transfer services, Paypal facilitates instantaneous transfers between Paypal accounts and to bank accounts.
The Department of Foreign Affairs and Trade advises a normal degree of caution while in Croatia. While crime is relatively low, you should still be vigilant while travelling, especially if you’re collecting money from a pick-up point. Be sure to get there during opening hours and try to take someone along.
Shirley Liu is Finder's global program manager. She was previously the publisher for banking and investments and has also written comparisons for energy, money transfers, Uber Eats and many other topics. Shirley has a Master of Commerce and a Bachelor of Media, Journalism and Communications from the University of New South Wales. She is passionate about helping people find the best deal for their needs.
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