01
Problem
We have 2022 invoices in HRK — how are they displayed in 2026?
Solution
All HRK invoices converted to EUR at the official transition rate of 1 EUR = 7.53450 HRK. Original HRK amount preserved for audit; display shows EUR.
Solutions · EU-EUROZONE
EU Eurozone — from HRK to EUR (2023+)
Croatia transitioned from HRK to EUR on January 1, 2023 as the newest Eurozone member. All businesses now use EUR for invoices, VAT and reporting. 4b2b supports EU cross-border invoicing (B2B reverse charge, B2C OSS/IOSS), SEPA Instant payments, and automatic HRK→EUR conversion for legacy records.
02
Problem
We sell e-commerce to customers in Slovenia and Hungary — OSS?
Solution
OSS (One Stop Shop) registration for B2C sales in EU. The platform calculates VAT per destination country (e.g., 22 % SI, 27 % HU) and submits the quarterly OSS return.
03
Problem
We pay a supplier in Germany — SEPA or SWIFT?
Solution
SEPA Credit Transfer or SEPA Instant for EUR payments within the EU. Croatian banks (Zagrebačka, PBZ, Erste, OTP) all support both.
04
Problem
Client from Bosnia pays in BAM — which rate?
Solution
Payments outside EU/Eurozone: HNB rate on payment date. Exchange difference posted automatically. BAM is not in SEPA, SWIFT MT103 is used.
One platform, one account, Fiscalization 2.0 ready
The entire 4b2b ecosystem is built for the Croatian market — from eRačun via FINA Mojcert to JOPPD and OIB validation.
