Payments and credit transactions abroad are realised through authorised banks (i.e. those licensed for foreign transactions) that are responsible for their own solvency regarding payments to foreign countries. Foreign legal entities may hold foreign currency accounts with authorised banks in convertible currencies, through which they can freely make foreign currency transactions and payments abroad. Foreign legal entities may deposit foreign currency into their foreign currency accounts held with licensed domestic banks. External payments can be made using either domestic or foreign currency.

Foreign entities may accept receivables in domestic currency in accounts held with domestic banks licensed to carry out business abroad under the conditions prescribed by the Croatian Government. Such receivables in domestic currency can be used by foreign legal entities for transfer abroad, for payment in Croatia, for loans to domestic legal entities in accordance with the Act, and for the transfer to another foreign legal entity's account (in domestic currency). Foreign currencies and securities nominated in foreign currencies can be freely brought into Croatia.