Hello dear travelers!
If you’re planning your trip to Dubrovnik, this local guide about ATMs will save you both money and unnecessary stress. In Croatia, credit and debit cards are widely accepted—yes, even in small shops and cafés—but some traditional restaurants, open-air markets, and smaller bars still prefer cash.
Since we switched to the Euro (EUR) in 2023, everything is simpler, but the “ATM traps” for tourists are still everywhere.
Spend your money on memories, not fees.
Now that you know how to save at the ATM, use that extra cash for a real experience. Join me for a private walk through history—transparent pricing, local secrets, and no hidden “tourist traps.”
VIEW PRIVATE TOURSWhich ATMs should you use?
You’ll find ATMs on almost every corner, but not all are created equal. To avoid crazy fees, always look for official Croatian banks:
- PBZ (Privredna Banka Zagreb)
- ZABA (Zagrebačka Banka)
- OTP Banka
- Erste Bank
- HPB (Hrvatska Poštanska Banka)
These are trustworthy and offer fair rates.
The “Tourist Trap” ATMs
Beware of flashy, generic ATMs (like Euronet) in busy tourist areas. These are owned by private companies, not banks. They often charge:
- High transaction fees (€5 or more).
- Poor exchange rates.
- The Conversion Trick: They will ask if you want to be charged in your home currency. ALWAYS CHOOSE NO (Decline Conversion). Always pay in the local currency (EUR) and let your own bank handle the exchange.
Staying Safe: A Few Simple Precautions
Croatia is one of the safest countries in the world, but it’s always good to be smart:
- Check the slot: If the card reader looks loose or different from the picture on the machine, walk away.
- Cover your PIN: A simple habit that goes a long way.
- Trust your gut: If someone is standing too close, cancel the transaction. There is always another ATM just a few meters away!
Quick ATM & Cash FAQ
What is the official currency in Croatia in 2026?
The official currency is the Euro (EUR). Croatia joined the Eurozone in 2023, so you no longer need the old Croatian Kuna.
Which ATMs in Dubrovnik have the lowest fees?
Always use ATMs from national banks like OTP, PBZ, ZABA, or Erste. They usually have the fairest rates and the lowest transaction fees for international cards.
Should I choose “With Conversion” or “Without Conversion”?
ALWAYS choose “Without Conversion” (Decline Conversion). This allows your home bank to handle the exchange rate, which is almost always 5-10% cheaper than the ATM’s rate.
Is it safe to use ATMs in the Old Town?
Yes, Dubrovnik is extremely safe. However, always cover your PIN and avoid using machines that look tampered with or are located in poorly lit, secluded areas.
Can I pay with a credit card for everything?
Mostly yes, but not for everything. You will still need small amounts of cash for local markets, street food, small souvenir stands, and tipping your tour guides.