SWIFT / BIC Code
KALCHR2X
Karlovačka banka d.d.
KALCHR2X is the BIC (SWIFT code) of Karlovačka banka d.d., registered in Karlovac. Its IBANs are 21 characters long. The bank receives SEPA Instant transfers and answers Verification of Payee name checks.
Check an IBAN from Karlovačka banka d.d.
Paste an IBAN from Croatia to check its check digits and see which bank it belongs to.
BIC Breakdown
KALC: institution identifier (4 letters)
HR: country code per ISO 3166-1
2X: location code (city / timezone)
Bank Details
Payments it can receive
Karlovačka banka d.d.'s participation in the European payment schemes, from the EPC register of participants.
Verification of Payee lets the payer's bank compare the name typed on a euro transfer with the account holder's name. This page shows whether the bank takes part; ibanchecker.cash does not check names.
Sending money to an account at Karlovačka banka d.d.?
Wise shows the exchange rate and its fee before you send.
Partner link. If you open a Wise account through it and send money between two currencies, Wise pays ibanchecker.cash a commission; what you pay does not change. How this works
IBAN format for 🇭🇷 Croatia
Croatia IBANs are 21 characters long.
Frequently Asked Questions
What is the SWIFT code for Karlovačka banka d.d.?
KALCHR2X. Written with the head-office branch code it is KALCHR2XXXX; both forms reach the same bank. A euro transfer within SEPA needs only the IBAN.
What does KALCHR2X mean?
"KALC" identifies Karlovačka banka d.d., "HR" is the country code for Croatia, "2X" is the location code.
How long are Karlovačka banka d.d. IBANs?
21 characters, like every IBAN from Croatia: the country code HR, two check digits, the bank code (7 digits) and the account number (10 digits).
Can I send an instant transfer to Karlovačka banka d.d.?
Yes. The European Payments Council lists Karlovačka banka d.d. in SEPA Instant Credit Transfer since 6 January 2025, so an instant euro transfer from a participating bank reaches its accounts in seconds.
Does Karlovačka banka d.d. confirm the payee's name?
Yes. It answers Verification of Payee requests (since 9 October 2025), so the payer's bank can compare the name entered with the account holder's name before a euro transfer is sent.
Where is Karlovačka banka d.d.'s registered office?
Ivana Gorana Kovačića 1, 47000 Karlovac, according to GLEIF. The European Payments Council lists Ivana Gorana Kovacica 1, Karlovac as its address.