NOWA FINANCIAL d.o.o.

About this institution

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

1. 30 Sept 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. 11 Mar 2022

   Licence granted by the Croatian Financial Services Supervisory Agency

Position in the Croatia register

NOWA FINANCIAL d.o.o. is one of 6 e-money institutions on the Croatia register, 6 of which are currently active. Its licence is the 6th oldest of the 6 dated Croatia EMI authorisations.

Is your money safe with NOWA FINANCIAL d.o.o.?

NOWA FINANCIAL 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, NOWA FINANCIAL d.o.o. can provide services across the following EEA jurisdictions, in addition to its home authorisation in Croatia.

• Lithuania2
• Czech Republic2
• Poland2
• Italy2
• Luxembourg2
• Iceland2
• Romania2
• Germany2
• Bulgaria2
• Slovakia2
• Malta2
• Latvia2
• Spain2
• Hungary2
• Cyprus2
• Belgium2
• Sweden2
• France2
• Portugal2
• Estonia2
• Greece2
• Slovenia2
• Ireland2
• Denmark2
• Netherlands2
• Finland2
• Austria2
• Norway2
• Liechtenstein2

Authorised activities (PSD2 / EMD2)

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

• ✓Safeguarding of customer fundsSAFEGUARDING
• ✓Issuing payment instruments and acquiring payment transactionsPSD2_5
• ✓Issuance of electronic moneyEMI_ISSUANCE

Frequently asked questions

Is NOWA FINANCIAL d.o.o. a licensed e-money institution?

Yes. NOWA FINANCIAL d.o.o. holds EMI authorisation from Croatian Financial Services Supervisory Agency in Croatia, licence reference IEN117. Its authorisation is currently active and is cross-checked against the EBA EUCLID register.

Who regulates NOWA FINANCIAL d.o.o.?

NOWA FINANCIAL 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 NOWA FINANCIAL d.o.o.'s licence or FRN number?

NOWA FINANCIAL d.o.o.'s licence reference number is IEN117. 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 NOWA FINANCIAL d.o.o. authorised in other EEA countries?

Yes. NOWA FINANCIAL d.o.o. is passported to 29 EEA jurisdictions, 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.

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• Erste Card Club d.o.o.
• Hrvatski Telekom d.d.
• PBZ CARD d.o.o.

View all institutions in Croatia →

Registered office

Street

Strojarska cesta 20

City

ZAGREB, 10000