Digital banking as a modern way of providing banking services has recorded a growing trend in the number of new users of different ages over the past years. Digital banking services provide current and future users with a wide range of options in terms of faster and easier execution of transactions, checking balances on open accounts, fulfilling various forms of savings and so on. At the same time, the coronavirus pandemic, through working from home, self-isolation and the slowdown of the tourism sector in Croatia, only accelerated the second phase of digitization of payment transactions. Payment applications such as KEKS Pay, Aircash, Apple pay are being used increasingly. The stable growth of users has been monitored for a long time, where there is an increased interest in not only sending and receiving money, but also other services from the application, such as paying tolls, lotteries, games and parking and many other possibilities such as receiving money from abroad and withdrawing it at ATMs without using a card or going to branches. The aim of this work is to collect and study information about the offer of digital banking services and various payment applications in the Republic of Croatia and selected European countries and also compare the offer of services for users of digital banking and payment applications on the Croatian market. Secondary sources of data from relevant scientific and professional articles and books, as well as available websites and databases, will be used for the preparation of this work.