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Croatia - Premium SMS, Short Code Requirements


The regulations in Croatia caters and covers all of the Mobile Payment types, that includes Premium SMS BillingStandard Rate ServicesShort Codes, WAP Billing and Operator Billing.




Croatian Post and Electronic Communications Agency (HAKOM), with its seat in Zagreb, is a legal entity with public authority within the scope and competence prescribed by the Electronic Communications Act that entered into force on 1st July 2008 and a special law regulating the field of postal services. HAKOM is an independent, autonomous and non-profit legal entity with public authority. The work of HAKOM is public. The founder of the Agency is the Republic of Croatia, and founding rights are exercised by the Croatian Parliament and the Government of the Republic of Croatia.



tele2_logo.png     Tele2

Tele2 AB is a major European telecommunications operator, with about 30 million customers in 12 countries. It serves as a fixed-line telephone operator, cable television provider, mobile phone operator and Internet service provider. In Croatia, Tele2 operates a 3G network. It currently has 737000 customers.


t-mobile-logo-aug09.jpg T-Mobile

T-Mobile entered the Croatian market in October 1999 when DT initially acquired a thirty-five percent interest in Hrvatski telekom, including its cell phone service provider Cronet. Two years later, DT signed an agreement with the Croatian government to acquire the additional sixteen percent needed for a majority holding. In January 2003, Hrvatski Telekom assembled all of its mobile activities under a single brand HTmobile. 


Logo_Vipnet.jpg.519878.jpg      VIP Net

Vipnet is the first private mobile network operator in Croatia. It has been operating a GSM network since July 1999. Since its arrival, Vipnet has broken the monopoly of CRONET (since renamed to T-Mobile Hrvatska, and owned by Hrvatski Telekom) and introduced many new services unknown before - SMS, prepaid and others. At that time the penetration rate in Croatia was just 4.6%, and by the end of March 2008 it reached 117%.



Market Statistics


The Croatian telecoms market has been shaped by the country’s bid to join the European Union, resulting in market liberalisation and creation of a regulatory environment conducive to competition. Alternative operators have entered the market and launched competing services in the fixed-line market. Both alternative operators and the incumbent are investing in network infrastructure to support bandwidth-intensive services such as broadband access and triple play. 



Area: Total: 56,594 sq km Land: 55,974 sq km Water: 620 sq km
Cities: Capital - Zagreb
Terrain: geographically diverse; flat plains along Hungarian border, low mountains and highlands near Adriatic coastline and islands
Climate: Mediterranean and continental; continental climate predominant with hot summers and cold winters; mild winters, dry summers along coast


Nationality: Noun: Croat(s), Croatian(s) Adjective: Croatian
Population: 4,483,804 (July 2011 est.)
Annual population growth rate: -0.076% (2011 est.)
Language: Croatian (official) 96.1%, Serbian 1%, other and undesignated (including Italian, Hungarian, Czech, Slovak, and German) 2.9% (2001 census)
Flag: flags_of_Croatia.gif


Type: Presidential/parliamentary democracy
Independence: 25 June 1991 (from Yugoslavia)
Constitution: Adopted 22 December 1990; revised 2000, 2001
Branches: Chief of state: President Ivo JOSIPOVIC; head of government: Prime Minister Jadranka KOSOR; Deputy Prime Ministers Bozidar PANKRETIC, Darko MILINOVIC, Domagoj Ivan MILOSEVIC, Petar COBANKOVIC, Slobodan UZELAC, Gordan JANDROKOVIC; cabinet: Council of Ministers named by the prime minister and approved by the parliamentary assembly
Political parties: Croatian Democratic Congress of Slavonia and Baranja; Croatian Democratic Union; Croatian Party of the Right; Croatian Peasant Party; Croatian Pensioner Party; Croatian People's Party; Croatian Social Liberal Party; Independent Democratic Serb Party; Istrian Democratic Assembly; Social Democratic Party of Croatia
Suffrage: 18 years of age 16 if employed; universal

Nominal GDP: $78.09 billion (2010 est.)
GDP per capita: $17,400 (2010 est.)
Annual GDP growth rate: -1.4% (2010 est.)
Natural resources: oil, some coal, bauxite, low-grade iron ore, calcium, gypsum, natural asphalt, silica, mica, clays, salt, hydro power
Agriculture: wheat, corn, sugar beets, sunflower seed, barley, alfalfa, clover, olives, citrus, grapes, soy beans, potatoes; livestock, dairy products
Industry: chemicals and plastics, machine tools, fabricated metal, electronics, pig iron and rolled steel products, aluminium, paper, wood products, construction materials, textiles, shipbuilding, petroleum and petroleum refining, food and beverages, tourism
Trade: Export - Italy 18.9%, Bosnia and Herzegovina 11.9%, Germany 10.6%, Slovenia 8%, Austria 5.4% (2010) Import - Italy 15.2%, Germany 12.5%, Russia 9%, China 7.2%, Slovenia 5.9%, Austria 4.8% (2010)



Market Growth

General region↓ Total number of Internet users (thousands)↓ Internet Users per 100 inhab.↓ Total population (thousands)↓ GDP per capita↓ GDP total (thousands)↓ Mobile subscibers per 100 inhab.↓ Total number of mobile subscribers (thousands)↓
Europe  4487  50.4  4,432  $13,776  $60834000  136.2  6190
[source] [source] [source] [source] [source] [source] [source] [source]



The kuna is the currency of Croatia since 1994 (ISO 4217 code: HRK). It is subdivided into 100 lipa. The kuna is issued by the Croatian National Bank and the coins are minted by the Croatian Monetary Institute.

10 HRK in $USD

10 HRK in £GBP

10 HRK in €EUR


Approval Process

As part of the application process for a short code, you will need to complete a txtNation Customer Care Form (CCF).


Promotional Guidelines

As per section 2.1 of Main principles in the Advertising Instructions:
Here are the main principles that need to be achieved while advertising services:

  • Promotional activities cannot be in any way misleading.
  • The content of the services have to be in compliant with the regulations of the Republic of Croatia
  • Special protection of children has to be secured.


As per section 2.2 of Specific Instructions in the Advertising Instructions:

Service description must be detailed and must include the cost of service in a way that the service description is clear, easily understandable and readable.

While advertising on the Internet, the text which gives a detailed service description has to be visible to end users when accessing web pages (adapted to the user's screen resolution). To avoid any ambiguity in the interpretation of these instructions, it particularly means following: regardless of the user's screen resolution, on the screen - next to the graphic part of advertising – text with instructions should always be visible, WITHOUT SCROLLING, e.g landing page should be dynamically adjusted to the size of a user's screen.

Service cannot be marked as free. Any benefit that comes with the services shall be marked as a gift for using the service.

If additional payments besides the service cost is required to achieve promoted content or benefit, then such additional payment should be included in promotional activities in paragraph (e.g. GPRS traffic costs)

In case of subscription services, along with the service description it is necessary to specify the name of the service, price, number of messages that users will receive during certain period of time, information about telephone numbers and email address of customer service, instructions how to stop the service, information that – along with value added service price – costs for data transaction will be charged (e.g. for content download services), information about the service organizer and name, full address, contact phone number and OIB (registration number) of technical support (company name).

All advertising materials shall state name and contact information of the service and content provider (your company).

All advertising materials shall state name and contact information of value added service operator, including address, court registration number, 0800 or geographical Croatian contact number, or shall describe a way users can find that information for free. Please note that stating a web page is not considered to be free way to find that information.

All prices must include the amount of value added tax. If the prices for mobile and fixed networks differ, both prices will be shown separately (e.g. for IVR services).

All visual advertising materials must include information about prices next to the Premium voice number or Premium short ID number. The price of service must be written in the same way (font, size, colour, surface, shape, background, etc.) as Premium voice number or Premium short ID number.

All advertising materials without any visual parts (for example, radio commercials) must include information on prices, read clearly and slowly.

During promotional activities that are transmitted through television or other audio-visual media, information on price must be displayed and repeated (visual and by hearing) in the same way the Premium voice number or Premium short ID are shown or repeated. The visual presentation must be large enough and slow enough to be read and understood from the usual distance from the screen. Sound presentation must be spoken slowly and clearly.

While providing services for adults only, along with information about the price of the service, a warning message must be shown.

Customer Care information (both 0800 or Croatian geographical number and email address have to be shown)

All texts must be written in Croatian language.


As per section 3 of Examples of Correct Advertising in the Advertising Instructions:

Here are several examples of correct advertising:

  • One-time Premium SMS service

Send SMS with keyword PICTURE to 67454. Price: 6,10 kn/SMS.
For 18+ only!
Help desk: or 01 555 5555.
Service provider: {Your Company}
Value added service operator: {Insert Service name/ address}
Tel: {Insert Customer care number or email address}.

  •  Subscription Premium SMS service

This is a subscription service Cool Sounds. Subscribe to this service and receive weekly new sounds on your mobile. Service weekly price is 36,60kn (VAT included), 3 message at 12,20 kn per week. For help please contact us on:;
Telephone number +XXX XXXXX XXX. To unsubscribe send STOP COOL to XXXXX.

To download content please ensure that you have properly configured WAP settings.
Additional costs for data transaction will be charged, according to your operator's price list. Service organizer: Sounds Ltd; {Insert address}.
Technical support (service provider): {Insert Service name/ address}
Tel: {Insert Customer care number or email address}.

  • Premium Voice Service

Want to hear some advices on your sex life? Call 060 600 600! Price: 6,88 KN/min for fixed networks and 8,28 KN/min for mobile networks.
This service is for 18+ only!
In case of problems, contact us on or XXX XXXXX XXX.
Content provider: {Your company}
Technical support (value added service operator): {Insert Service name/ address}
Tel: {Insert Customer care number or email address}.


Messages Flow Requirements

There are currently no written regulations at the time of writing for Croatia. Your CCF will still be evaluated to ensure your service is delivering value for money and is honest and fair. You should ensure that pricing and support is included on your promotion.


Service Types

As per section 5 of Prize games, Competition games, Quizzes, Voting in the Advertising Instructions: 
It is not allowed to organize a quiz or prize games in the Republic of Croatia without the authorization of the Ministry of Finance. In order to organize any kind of prize quiz or game of knowledge, all clauses of the Law on games of chance must be followed. The Law prohibits that the quiz organizers have direct financial benefits from the way the quiz is run and that the organizers advertise their own products and services. The same Law also requires that:

  • Users register and qualify to participate in a quiz based solely on stated knowledge, skills, or competence (the element of luck in any stage of the quiz is strictly forbidden) 
  • The quiz takes place in real time with existence of direct communication between participants and quiz hosts (if any) and that quiz can be monitored by any person with such desire. 

Further on:

  • If the competition game, prize game or voting is conducted via Premium services, billing of calls and other services has to be disabled if there is reasonable possibility that users will not participate in competition/prize game or their votes will not participate in shaping of the program. 
  • In case of voting services, the provider of media services shall announce the number of votes collected for each offered option or express the total number of votes received during voting. 
  • Before the start of competition and different prize games the provider of media services shall announce and publish unambiguous rules about the competition/game, including content and possible financial gains, goods, rights or services which may come to users on their website pages, teletext or in other appropriate manner that is accessible to the general public. 
  • Media service providers who air competitions/games on Premium numbers are required, before the start of competition/game, to submit request for consent to the Council for Electronic Media along with the rules of the competition/games.
  • The Council for Electronic Media shall, within 15 days of receipt of the request, issue its approval. 
  • If the Council determines that the rules are contrary to the regulations, media service provider will be informed and granted with adequate time to remedy irregularities.


Billing Types

We operate on Mobile Originated (MO) and Mobile Terminated (MT) billed lines in Croatia. See forum entry "What are the SMS billing types available?" for more information on these billing types.


Available Tariffs

The current available tariffs in Croatia are as follows:

6.10 HRK, 12.20 HRK, 20.00 HRK, 40.00 HRK

For a more up to date list of tariffs please ask your Account Manager for a Croatia Premium SMS Rate Card.


Shortcodes and Keywords

On our dedicated code in Croatia, we operate on a 5 digit short code for each carrier. 


Frequency and Amounts

If more than one MT message is sent as reply to one MO message, only the first MT message may be charged.

According to regulation, after end user has spent 150,00 HRK or has sent 30 messages (depending what comes first; it is not limited per month), end user must be informed about this via free message. For subscription (ABO) services, after end user has received this message he/she must confirm whether he/she wants to continue with the service. If user doesn't confirm this, he/she must be unsubscribed from the service.


The current Croatian rate of tax is available via Wikipedia. The out-payments on our rate cards are exclusive of VAT, so if you are VAT registered you can claim a higher outpayment than is shown.


Dedicated Codes 

Dedicated codes are available with a 2 - 5 week lead time depending on carrier availability, the carriers approve based on their backlog, the time of year, price point and service type. You can read more about Short Code Coverage, SMS Billing Services and Mobile Payments in Croatia via the txtNation Gateway


The Croatia has the following Mobile Payment options available, all of which fall under these regulations:

  • Premium SMS (P-SMS) including Short Code services
  • Operator Billing (Direct-to-bill)
  • WAP Billing
  • MSISDN Pass-through

Additional options for Mobile Payments and Messaging in the Croatia include:

  • HLR Lookup
  • Bulk SMS

Note: This page is updated as frequently as possible when we are informed from the regulators or mobile operators in Croatia of a change or update in regulations. There may be a latest version of Premium SMS, Mobile Payments or Short Code Regulations in Croatia. Please contact your account manager for more information.

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