Savings and investments

If you are saving in kuna at HPB with a term deposit, you have chosen safe savings with a high yield.

Term savings

The complete safety of investment, with additional income.

What can I use term savings for?

  • For investing funds for a period of your own choice, in kuna or in foreign currencies.
  • For single or periodic payments of funds
  • For obtaining a yield on invested funds at a fixed interest rate.

Which documents do I need?

  • You need a valid identity document and your personal identification number (OIB).

What benefits does HPB offer?

  • Possibility of saving in kuna or in foreign currencies.
  • A fixed interest rate with the possibility of an automatic renewal of the term savings agreement.
  • Availability of the interest at disposal before the expiry of the savings term.
  • Possibility of term savings in kuna at all HPB branch offices, all postal offices and via HPB internet banking.
  • Guaranteed deposit insurance. All funds deposited at HPB are insured at the State Agency for Deposit Insurance and Bank Rehabilitation. Additional information about the deposit insurance system can be found

Term savings in numbers

  • You can start saving in kuna with as little as 200 kuna.
  • You can start saving in euro with as little as 50 euro.
  • You can arrange short-term savings for a period of 1, 3, 6 or 12 months.
  • You can arrange long-term savings for a period of 24, 36, 48 or 60 Euro term saving.months.
  • You can set the frequency of interest payments yourself (monthly, quarterly, semi-annually, annually or upon the expiry of the term savings).

Unit trusts

Open unit trusts with a public offering.

Why invest in open unit trusts?

  • Possibility of obtaining a higher yield compared to classical savings, with a certain level of risk.
  • You do not need large initial funds.
  • With small amounts, you can buy many different securities and thus disperse investment risks.
  • Your money is managed by experts.
  • There are no time limits for investments.
  • The procedure for investing and monitoring the performance of your shares is simple.
  • Regulatory protection – unit trust management is strictly regulated by the Croatian Financial Services Supervisory Agency.

HPB p.l.c. and HPB Invest Ltd

HPB Invest Ltd is entirely owned by Hrvatska poštanska banka p.l.c.

The basic business activity of HPB Invest is UCITS fund management (open unit trust with a public offering). HPB Invest currently manages six open unit trusts with a public offering of different investment strategies:

What benefits does HPB offer?

  • Possibility of applying for the issuance, redemption and transfer of shares in HPB Invest funds at 54 HPB branch offices and HPB Internet banking.
  • You can monitor the performance of your shares anytime and anywhere through mobile and internet banking.

Unit trusts in numbers

  • The entry fee is HRK 0
  • The minimum investment in HBP Invest funds is HRK 400 or EUR 100
  • If you are investing by means of a standing order, it is enough to set aside HRK 100 or EUR 15 monthly
  • You can reach your funds at any time. The statutory period for withdrawals is 7 days from the receipt of the Redemption Form
  • After two years of investment, the capital gains tax no longer applies

All potential investors are invited to read and study the Brochures, Rules and Key Information for Investors. The Brochures and Rules for all open trust funds of HPB Invest as well as the Key Information for Investors are available on the website of HPB Invest, at the headquarters of HPB Invest, Strojarska cesta 20, 10 000 Zagreb, at all HPB branch offices.

Insurance-based investment products

Leave nothing to chance.

Why take out insurance?

Every day can bring unforeseen situations and unplanned events. Whether we like it or not, accidents are a part of our everyday life. It is difficult to prevent them, but with responsible and timely planning for the future, we can mitigate their consequences.

By choosing suitable insurance, protect yourself and your loved ones from unplanned events. Our offer includes non-life and life insurances.

You can conclude Croatia osiguranje policies at all HPB branch offices. As an additional element, we also offer supplementary health insurance by Croatia osiguranje.

Housing savings

Why invest in housing savings?

  • Fixed interest rate on savings deposits
  • A guaranteed and predictable yield on deposits
  • State subsidy with 3,30% on savings deposits up to 5.000 kuna in one year
  • Flexibility when choosing the type of savings, amount of savings deposit, currency, and deposit intervals
  • Security of savings deposits guaranteed by the State Agency for Deposit Insurance and Bank Rehabilitation (DAB)
  • The right to a housing loan with a fixed interest rate agreed in advance for the entire duration of the loan repayment period
  • Possibility of taking out a housing loan even before the expiry of the agreed savings period by means of an interim financing loan

HPB p.l.c. and HPB-Stambena štedionica d.d.

  • HPB-Stambena štedionica d.d. is entirely owned by Hrvatska poštanska banka p.l.c.
  • It was founded in accordance with the special Act on Housing Savings and State Subsidies of Housing Savings
  • Štedionica offers the following: Housing savings and housing loans

What benefits does HPB offer?

  • Applying for a housing loan with a calculation of annuities and costs of repayment for your information
  • You can monitor the balance on your housing savings account anytime and anywhere through HPB mobile and internet banking

Safe deposit boxes

HPB offers as many as six different safe deposit box sizes at the branch office in Jurišićeva ulica, and three sizes at Britanski trg and in Vinkovci. You can rent them for a week, one, three or six months, or a year.

At HPB branch offices in Zagreb – Jurišićeva 4 and Britanski trg 12, and in Vinkovci – Trg dr. Franje Tuđmana 2, you have a wide range of safe deposit boxes on your disposal, with affordable rental terms and conditions.

What can you store in safe deposit boxes?

  • Valuables
  • Securities
  • Documents, spare keys
  • Numismatic or philatelic collections and other

Objects that might jeopardise the safety of the Bank’s employees and other safe deposit boxes may not be stored in the safe deposit boxes.