About
KEKS Pay is a Croatian payments app run by KEKS Pay d.o.o. of Zagreb, with the payment service itself provided by Erste&Steiermärkische Bank. Users need no Erste account: they link debit or credit cards from any Croatian or EU bank, or a Croatian bank account, and send money free of charge to anyone by phone number. In shops, users scan the KEKS Pay QR code printed on the receipt and confirm the payment in the app; webshops offer it at checkout so no card number is typed. As of 2026 KEKS Pay says it has more than 500,000 users, and the app also pays bills from more than 100 issuers and parking in more than 100 cities.
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