The paper discusses the current trend of decreasing the use of cash for goods and services in the Republic of Croatia and increasing the use of deposit money. The situation in the past five years was analyze. In accordance with the established parameters, forecasts are given for the coming years. The surveys were conduct using the method of comparison of annual statistical data of the Ministry of Finance - Tax Administration from the fiscalization system and statistical reports of the Croatian National Bank. It has been proven that in the last few years there has been a change in the habits of payment service users. The increase in the use of deposit money in the Republic of Croatia is constant. The increase is reflect in both the volume of transactions and the value of transactions carried out, and the exceptional growth over the past year is particularly significant due to unexpected circumstances caused by the COVID-19 pandemic. It has been proven that deposit money as a modern method of payment in the Republic of Croatia will continue to grow both in quantity and value. A comparison of the situation in the European Union was made and two possible scenarios for further development of deposit money in the Republic of Croatia were presented: one in accordance with the five-year development until the pandemic and the other in accordance with changes in payments system during the pandemic.