Croatia late-payment interest rate
Statutory interest for late payment in commercial transactions under EU Directive 2011/7/EU: the ECB main refinancing rate in force on the first day of the calendar half-year, plus 8 percentage points. Derived live from this country's ecb-main-refinancing-rate series; fixed for the half-year, so it can differ from today's live MRO.
| Current value | 10.4 percent |
|---|---|
| In force from | 2026-07-01 |
| Official source | Derived from the ECB main refinancing rate (this API's ecb-main-refinancing-rate series) under EU Directive 2011/7/EU, art. 2 (half-yearly snapshot) |
| Last verified | 2026-07-30 |
| Verification | derived — Computed from another series we hold, not read from any document. Computed from another series we hold (reference rate plus the statutory margin), not read from a document. |
| Provenance | source fingerprint |
What this value means
EU-harmonised statutory interest for late payment in commercial transactions = ECB main refinancing rate (snapshotted on 1 January / 1 July) + 8 percentage points (Directive 2011/7/EU, art. 2). This is the Directive MINIMUM and the figure the European Commission publishes per member state; national transposition may set a HIGHER rate for some transaction types. Because it is a half-yearly snapshot, the value tracks the MRO as of the half-year start, not today's live MRO. Derived live from this country's ecb-main-refinancing-rate series. Implemented in Croatia by the Obligations Act (Zakon o obveznim odnosima) čl. 29, read with the Financial Operations Act. Čl. 29 st. 2 sets default interest at the reference rate plus 8 percentage points for commercial contracts and contracts between a trader and a person of public law, and plus 3 percentage points in all other relations; st. 8 provides that the reference rate IS the rate the European Central Bank applied to its most recent main refinancing operations; and st. 9 confines Hrvatska narodna banka to PUBLISHING that rate in Narodne novine for the periods beginning 1 January and 1 July. This resolves a common misconception: the kuna-era basis, under which Croatian default interest ran off an HNB-published average lending rate, no longer operates, and serving an HNB-lending-average figure today would be wrong. Croatia therefore maps exactly onto the euro-area default, giving 10.40% for H2 2026 (published in Narodne novine 68/26; H1 2026 was 10.15% per NN 158/25). The civil rate of reference plus 3 percentage points, 5.40%, sits below the Directive minimum but lawfully so, because it applies outside the Directive's scope.
Earlier values
| From | Value | Source |
|---|---|---|
| 2015-01-01 | 8.05 | Derived from the ECB main refinancing rate (this API's ecb-m |
| 2016-07-01 | 8 | Derived from the ECB main refinancing rate (this API's ecb-m |
| 2023-01-01 | 10.5 | Derived from the ECB main refinancing rate (this API's ecb-m |
| 2023-07-01 | 12 | Derived from the ECB main refinancing rate (this API's ecb-m |
| 2024-01-01 | 12.5 | Derived from the ECB main refinancing rate (this API's ecb-m |
| 2024-07-01 | 12.25 | Derived from the ECB main refinancing rate (this API's ecb-m |
| 2025-01-01 | 11.15 | Derived from the ECB main refinancing rate (this API's ecb-m |
| 2025-07-01 | 10.15 | Derived from the ECB main refinancing rate (this API's ecb-m |
Get it programmatically
curl https://euroref.dev/v1/hr/late-payment-interest
# $0.001 per call — x402 on Base (USDC). No key, no signup.
# History: curl https://euroref.dev/v1/hr/late-payment-interest/history?from=2020-01-01
# Provenance: curl https://euroref.dev/provenance/hr/late-payment-interestOther Croatia series: policy interest rate · VAT rate · minimum wage · public holidays · inflation rate (CPI) · corporate tax rate · ECB main refinancing rate