> ## Documentation Index > Fetch the complete documentation index at: https://v2.docs.conduit.financial/llms.txt > Use this file to discover all available pages before exploring further. # Croatia > How to collect KYB documents from business customers in Croatia (HRV) when onboarding through the Conduit API. ## Overview | Field | Value | | ------------ | ---------------------------------- | | Region | Europe | | ISO 3166-1 | HR / HRV | | Registry | Sudski Registar (commercial court) | | Last updated | 2026-05-06 | ## Identifiers Collect two identifiers from each business customer in Croatia and submit them as strings on the application body. | API field | Local name | Issuer | | ------------------------------- | -------------------------------------- | ---------------------------------- | | `businessInfo.taxId` | **OIB (Osobni Identifikacijski Broj)** | Porezna Uprava | | `businessInfo.businessEntityId` | **MBS (Matični Broj Subjekta)** | Sudski Registar (commercial court) | *Tax ID:* 11-digit universal identifier for both natural and legal persons; also serves as VAT ID prefix: HR + OIB (e.g. HR12345678901). Verifiable via Porezna Uprava e-services. *Registration number:* Registry number assigned at incorporation; appears on all court register extracts. Variable-length numeric string unique to each court district. ## Sector regulators `HNB — Hrvatska narodna banka` · `HANFA` · `Porezna Uprava` · `MFin` ## Legal structures | Local name | Abbreviation | Description | | ---------------------------------------------- | ------------ | ----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- | | Društvo s ograničenom odgovornošću | d.o.o. | Standard quota-based limited liability company; minimum share capital €2,500; most common SME incorporation vehicle. Equivalent to a US LLC. | | Jednostavno društvo s ograničenom odgovornošću | j.d.o.o. | Simplified single-member or small-group LLC; minimum €1 share capital with mandatory profit retention until €2,500 is reached; capped at three members. Equivalent to a US single-member LLC (SMLLC). | | Dioničko društvo | d.d. | Joint-stock company with freely transferable shares; minimum share capital €25,000; mandatory supervisory board if over 300 employees; can be publicly listed. Closest US equivalent: C-Corp. | | Javno trgovačko društvo | j.t.d. | General partnership in which all partners trade under a common firm name and bear joint and unlimited personal liability. Equivalent to a US General Partnership (GP). | | Komanditno društvo | k.d. | Limited partnership with at least one general partner (komplementar) bearing unlimited liability and at least one limited partner (komanditor) liable only to the extent of their contribution. Equivalent to a US Limited Partnership (LP). | | Obrt | — | Sole-proprietor craft or trade business operated by a natural person under their own name; registered with the State Administration Office (or via e-Obrt) under Zakon o obrtu; owner bears unlimited personal liability. Equivalent to a US Sole Proprietorship. | | Trgovac pojedinac | t.p. | Natural person registered as a sole trader in the commercial court register (Sudski Registar) under ZTD; no separate legal personality; full personal liability. Equivalent to a US Sole Proprietorship. | | Zadruga | — | Cooperative society with variable membership and capital; governed by Zakon o zadrugama; members share profits and liability proportionally to participation. Closest US equivalent: Cooperative. | | Podružnica strane osobe | — | Registered branch of a foreign legal entity operating in Croatia; not a separate legal person — the foreign parent bears full liability. Closest US equivalent: Branch/Rep Office. | ## How documents combine For each evidence area, this table shows whether the listed documents are alternatives (any one of) or a bundle (all required). The artifact-by-artifact lookup follows below. | Evidence area | Documents needed | | ---------------------- | -------------------------------------------------------------------------------------- | | Legal Registration | Izvadak iz sudskog registra | | Constitutive Documents | *Any one of:* Izjava o osnivanju · Društveni ugovor · Statut | | Tax Registration | OIB potvrda | | Operating Permit | Rješenje o upisu | | Ownership Records | Izvadak iz sudskog registra | | Governance Records | Izvadak iz sudskog registra | | Signing Authority | *Any one of:* Izvadak iz sudskog registra · Odluka skupštine/upravnog odbora · Punomoć | | Address | *Any one of:* Ugovor o najmu · Račun za komunalne usluge · Izvod bankovnog računa | | Good Standing | Izvadak iz sudskog registra | ## Documents to collect The physical documents you'll collect from your customer, with the evidence area each one proves. One document can prove multiple areas — for example, Brazil's Cartão CNPJ covers both tax and business-registration proof, so it appears once with both areas listed. | Document | Proves | | ------------------------------------------------------------- | ------------------------------------------------------------------------------------------- | | **Izvadak iz sudskog registra** | Legal Registration, Ownership Records, Governance Records, Signing Authority, Good Standing | | **Izjava o osnivanju (single-member d.o.o.)** | Constitutive Documents | | **Društveni ugovor (multi-member d.o.o.)** | Constitutive Documents | | **Statut (d.d.)** | Constitutive Documents | | **OIB potvrda (Porezna Uprava)** | Tax Registration | | **Rješenje o upisu (commercial court registration decision)** | Operating Permit | | **Odluka skupštine/upravnog odbora (board/GM resolution)** | Signing Authority | | **Punomoć (notarised power of attorney)** | Signing Authority | | **Ugovor o najmu** | Address | | **Račun za komunalne usluge (≤90 dana)** | Address | | **Izvod bankovnog računa (≤90 dana)** | Address | | **Sector-Specific License** | HNB licence (banking, payments, e-money), HANFA licence | ### Collection notes * **Legal Registration:** Current extract from sudreg.pravosudje.hr; free public access; includes MBS, OIB, registered capital, and current status. * **Constitutive Documents:** Notarised; filed with and retrievable via Sudski Registar. * **Tax Registration:** OIB doubles as VAT ID (HR + OIB); no separate VAT certificate — VAT registration evidenced by Porezna Uprava printout or e-PoreznaUprava extract. * **Operating Permit:** Croatia has no general municipal trading licence equivalent; the court registration decision itself constitutes the primary authorisation to operate. Certain sector activities may require ministry permits. * **Sector-Specific License:** Required for credit institutions, payment institutions, e-money institutions (HNB); investment firms, insurance, funds (HANFA). * **Ownership Records:** Court register lists d.o.o. članci (members/quota-holders) and d.d. dioničari (shareholders) with percentage holdings. * **Governance Records:** Lists members of uprava (d.o.o./d.d. management board), nadzorni odbor (supervisory board, d.d.), and registered prokuristi with scope of authority. * **Signing Authority:** Prokura (commercial power of attorney) registered in Sudski Registar; samostalna (individual) vs. zajednička (joint) prokura noted in extract. * **Address:** Conduit universal policy: lease (no time bound) OR utility bill OR bank statement, with utility/bank dated within 90 days. Same evidence satisfies both registered-address and operating-address checks. * **Good Standing:** Croatia does not issue a separate certificate of good standing; the Izvadak iz sudskog registra from sudreg.pravosudje.hr is the authoritative live source of truth for active/inactive/bankruptcy/struck-off status and is updated in real time. Request a dated extract within 30 days for banking use. ## Person roles When you submit a person on the application body, set their `role` to one of Conduit's canonical `BusinessPersonRole` values. Use this table to map a local corporate-governance title onto the right canonical role. | Local role | Canonical API role | Description | | ----------------------------------------------------------- | ---------------------- | ------------------------------------------------------------------------------------------------------- | | Član uprave / direktor (d.o.o.) | `CONTROLLING_PERSON` | Management board member / director; day-to-day operational authority; registered in Sudski Registar. | | Član uprave (d.d.) | `CONTROLLING_PERSON` | Management board member of joint-stock company; executive authority. | | Predsjednik nadzornog odbora / član nadzornog odbora (d.d.) | `CONTROLLING_PERSON` | Supervisory board member; governance and oversight; not operational. | | Komplementar (k.d.) | `CONTROLLING_PERSON` | General partner with full management authority and unlimited liability. | | Prokurist | `LEGAL_REPRESENTATIVE` | Holder of prokura under ZTD §§40–49; broad commercial signing authority; registered in Sudski Registar. | ## Notes * No separate municipal operating licence for most activities. Croatia's court registration decision (Rješenje o upisu) is the primary operating authorisation; collect that in place of a municipal business licence. * RSV public access is restricted post-CJEU WM/Sovim. Since the November 2022 CJEU ruling, Croatia's RSV (FINA) requires demonstrated legitimate interest for access. Conduit as an obliged AML entity should qualify, but must submit a purpose-specific request through FINA's portal. * OIB serves dual tax + VAT function. There is no separate tax ID and VAT ID — the OIB is universal. VAT registration is indicated by the HR + OIB prefix; confirm active VAT status via Porezna Uprava's e-services rather than requesting a separate certificate. * Currency is EUR since 2023-01-01. The kuna (HRK) ceased to be legal tender on 2023-01-15. ZTD (NN 114/2022) sets d.o.o. minimum at €2,500 and j.d.o.o. minimum at €1. Legacy HRK incorporations remain valid. * Zakon o kreditnim institucijama NN 22/2026 (eff. 2026-03-13) repeals NN 159/2013 and all amendments. Any reference to the prior banking law is stale as of the research date. Regulatory licence notes should cite NN 22/2026.