Erste Card Club d.o.o.

About this institution

Dated events for Erste Card Club d.o.o., from the register record and this directory’s daily cross-checks. Status changes are recorded as they are observed.

1. 01 Oct 2026

   Cross-checked against the Croatian Financial Services Supervisory Agency register

   Automated daily verification of licence status and reference.

2. 06 Jul 2026

   First verified and added to this directory

3. 16 Dec 2011

   Licence granted by the Croatian Financial Services Supervisory Agency

Position in the Croatia register

Erste Card Club d.o.o. is one of 6 e-money institutions on the Croatia register, 6 of which are currently active. Its licence is the 2nd oldest of the 6 dated Croatia EMI authorisations, one of 3 granted in 2011.

Is your money safe with Erste Card Club d.o.o.?

Erste Card Club d.o.o. holds an e-money authorisation from Croatian Financial Services Supervisory Agency, which means client money must be safeguarded: held separately from the firm's own funds at a credit institution, or covered by an equivalent insurance policy. E-money is not a bank deposit - it is not covered by a national deposit guarantee scheme, so there is no automatic compensation payout if the firm fails.

If an authorised EMI becomes insolvent, safeguarded funds sit outside the insolvency estate and are returned to customers by the administrator - repayment can take time, and administration costs may be deducted along the way.

How e-money safeguarding works → Verify on the register →

Under the EU passporting regime, Erste Card Club d.o.o. can provide services across the following EEA jurisdiction, in addition to its home authorisation in Croatia.

• Hungary1

Authorised activities (PSD2 / EMD2)

Payment-services activities Erste Card Club d.o.o. is permitted to carry out under its licence, as recorded in the register.

• ✓Issuance of electronic moneyEMI_ISSUANCE
• ✓Issuing payment instruments and acquiring payment transactionsPSD2_5
• ✓Execution of payment transactions where funds are covered by credit linePSD2_4
• ✓Safeguarding of customer fundsSAFEGUARDING

Frequently asked questions

Is Erste Card Club d.o.o. a licensed e-money institution?

Yes. Erste Card Club d.o.o. holds EMI authorisation from Croatian Financial Services Supervisory Agency in Croatia, licence reference IEN113. Its authorisation is currently active and is cross-checked against the EBA EUCLID register.

Who regulates Erste Card Club d.o.o.?

Erste Card Club d.o.o. is authorised and supervised by Croatian Financial Services Supervisory Agency in Croatia. Its e-money licence and current status are listed on the EBA EUCLID register at euclid.eba.europa.eu.

What is Erste Card Club d.o.o.'s licence or FRN number?

Erste Card Club d.o.o.'s licence reference number is IEN113. Enter it on the EBA EUCLID register at euclid.eba.europa.eu to confirm the institution's identity and that its authorisation is in force.

Is Erste Card Club d.o.o. authorised in other EEA countries?

Yes. Erste Card Club d.o.o. is passported to 1 EEA jurisdiction, meaning it can provide e-money and payment services across those countries on its home authorisation.

Sourced from the FCA Financial Services Register and the EBA EUCLID register; cross-checked daily.

Other licensed institutions in Croatia

• A1 Hrvatska d.o.o.
• Aircash d.o.o.
• Hrvatski Telekom d.d.
• NOWA FINANCIAL d.o.o.
• PBZ CARD d.o.o.

View all institutions in Croatia →

Registered office

Street

Ulica Frana Folnegovića 6

City

ZAGREB, 10000