Question 1

Do I still have to pay US taxes if I live in Croatia?

Accepted Answer

Yes — the US taxes its citizens on worldwide income regardless of where they live. However, the Foreign Earned Income Exclusion (FEIE) and the Foreign Tax Credit can significantly reduce or eliminate your US tax bill if structured correctly. A US expat tax specialist (which we can connect you with) is essential before you move.

Question 2

What is FBAR and do I need to file it?

Accepted Answer

If you have foreign bank accounts exceeding $10,000 in aggregate at any point during the year, you must file an FBAR (FinCEN Form 114). Non-compliance penalties are severe. We help connect every US client with an FBAR-experienced accountant before they open any Croatian account.

Question 3

What about FATCA (Form 8938)?

Accepted Answer

If your foreign financial assets exceed $200,000 ($400,000 for married filing jointly), you must report them on IRS Form 8938. FATCA is separate from FBAR — yes, you may need to file both. We connect every client with a FATCA-experienced CPA before they open Croatian accounts.

Question 4

How does the 2025 US–Croatia Tax Treaty help me?

Accepted Answer

The recently enacted US–Croatia Tax Treaty provides clear rules for how pensions, Social Security, and investment income are taxed — eliminating much of the double-taxation uncertainty. This is a competitive advantage Croatia has over Portugal, Mexico, and most other popular destinations.

Question 5

Can I access healthcare in Croatia as an American?

Accepted Answer

As a foreigner on a visa you'll typically rely on private health insurance — which costs $80–$180/month for solid coverage. Croatia's private hospitals are modern and well-staffed. We guide every client through getting proper coverage before they arrive.

Question 6

What happens to my Social Security if I move abroad?

Accepted Answer

Social Security payments continue to US citizens living abroad, including in Croatia. The new US–Croatia Tax Treaty provides additional clarity on how these benefits are taxed.

Question 7

Can I own property in Croatia as a US citizen?

Accepted Answer

Yes — US citizens can legally purchase property in Croatia on the basis of reciprocity. The process involves an OIB, a notary, and proper legal representation."
Q8: "Can I bring my pet to Croatia?

Question 8

Can I bring my pet to Croatia?

Accepted Answer

Yes. Dogs and cats need a microchip, valid rabies vaccination, and an EU health certificate issued by a USDA-accredited vet within 10 days of travel. The process takes 4–6 weeks.

Question 9

What about my US driver's license?

Accepted Answer

Your US license is valid for the first 6 months after establishing residency. After that, a license exchange process is required. An International Driving Permit is useful initially.

Question 10

Are there international schools for my kids?

Accepted Answer

Yes — international schools with English-language instruction are available in Zagreb and Split. We help families evaluate schools and connect with other American families.

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