What is KEKS Pay?
KEKS Pay is a free mobile payment app from Erste Bank Croatia. You do not need an Erste account to use it: register with your phone number, link a debit or credit card from any Croatian bank, and send money to any contact for free. The app runs on iOS and Android, and all payments are in euros.
Beyond sending money to friends, KEKS Pay pays household bills, parking, highway toll (ENC) top-ups, and mobile credit, and it works as a checkout option in Croatian webshops and at merchants that support it. It also buys gift cards on platforms that list KEKS Pay at checkout. It is a Croatian product: it is built around Croatian bills and merchants, and acceptance outside Croatia is minimal.
KEKS Pay sending limits
- Erste clients and KEKS account users: up to 800 EUR per day and 6,000 EUR per month.
- Cards from other banks: up to 800 EUR per day and 3,000 EUR per month.
- Minimum per transaction: 0.50 EUR.
- If the limit on your own card or account is lower, that limit applies (Erste Bank, August 2026).
How to use KEKS Pay?
- Download KEKS Pay from the App Store or Google Play.
- Register with your mobile number and verify your identity.
- Link a debit or credit card from any Croatian bank.
- Select a contact or scan a QR code to pay.
- Confirm the transaction. Every payment is listed in the app's transaction history.
The pro's of using KEKS Pay
- Free money transfers using only a phone number.
- No Erste Bank account required.
- Pays bills, parking, tolls, and mobile top-ups from one app.
- Works on both Android and iOS devices.
The con's of using KEKS Pay
- Croatia only: little acceptance internationally.
- Sending limits are low for larger transfers (800 EUR per day).
- Merchant acceptance is smaller than global wallets like PayPal or Apple Pay.
- Requires an internet connection for all transactions.