What exactly is the fake site frozenspirety.info?

It is a fraudulent website posing as the official HNB site and promoting a non-existent 'National Financial Access Program'.

How much money do scammers ask for and in what way?

They ask for an initial deposit of at least 250 euros to join the alleged program, with the false claim that there is a two billion euro fund.

How can I be sure I'm on the real HNB site?

The only official domain of the Croatian National Bank is hnb.hr. Any other domain using the HNB's visual identity should be considered suspicious.

What should I do if I've already paid money or left my data?

The HNB's warning does not provide specific instructions for such cases, but generally it is advised to immediately contact your bank and report the incident to the police.

Croatia

HNB: Fake Fund of Two Billion Euros Demands 250 Euro Deposit

H.D. · Prije 2h | 2 min

The central bank has uncovered a fraudulent website that extracts 250 euros from citizens with false promises of a state program, all under the guise of official visual identity.

Summary

HNB warns of a fake site frozenspirety.info falsely presenting itself as official.
Scammers demand a 250 euro deposit to join a non-existent program with a fake two billion euro fund.
A convincing site appearance is not proof of legitimacy; the only real HNB domain is hnb.hr.
Citizens are urged not to open the site, enter data, or make any payments.

Make 5MIN.hr a preferred source

The Croatian National Bank issued an urgent warning to citizens on August 12, 2026, after a fake website posing as its official site was discovered. The domain frozenspirety.info advertises a fictitious "National Financial Access Program," abbreviated as NFAP, and the central bank firmly states that this program does not exist and that they have no connection to it.

Two Billion Bait and a 250 Euro Entry Fee

Scammers on the fake site operate with data about a non-existent "national guarantee fund" allegedly worth two billion euros, and to join this fictitious program, citizens are asked to make an initial deposit of at least 250 euros. Additional pressure is created with a fake limitation: the site claims that the number of applications is limited to just 500 per county, but the HNB emphasizes that all these claims are completely fabricated and part of a sophisticated scam attempt.

Looks Can Deceive: Logos and Colors Are No Guarantee

The HNB particularly stresses that a professional and convincing visual identity should no longer be the sole criterion for trust, as scammers today can precisely copy logos, official names, color schemes, and other recognizable elements of state institutions. Therefore, before entering any data, it is crucial to carefully check the web address in the browser's address bar.

The only official domain of the Croatian National Bank is hnb.hr. Any other site using the HNB's name or visual design on a different domain must be treated as suspicious and potentially dangerous.

Appeal to Citizens: Don't Open, Don't Enter, Don't Pay

The central bank's appeal is clear: citizens should not open the disputed site, leave their personal data on it, or under any circumstances make the requested 250 euro payment or any other amount. If you come across an offer presented as an HNB program or that of another state institution, the safest course is to verify all information directly through their official channels before taking any action, such as applying or paying.