Since January 1, 2023, the official currency of Croatia has been the euro (EUR). Croatia became the 20th country to join the eurozone, replacing the former currency, the kuna (HRK). This change has made transactions significantly easier for visitors from other EU countries, as there is no need for currency exchange when traveling to Croatia.

If you’re visiting Dubrovnik or any other Croatian city, you can now use euros for all transactions, whether you’re paying for accommodation, meals, tours, or souvenirs. The introduction of the euro has simplified payments in Croatia for tourists and locals alike, eliminating conversion fees for EU travelers.

For those arriving from countries outside the eurozone, it’s important to note that currency exchange services are available at banks, exchange offices (mjenjačnica), post offices, and even some hotels. However, the most convenient way to pay is often by using a credit or debit card.

The Banking System in Croatia

Croatia boasts a modern and technologically advanced banking system. It is one of Europe’s leading countries in digital and electronic payments, making it easy for tourists to use credit cards, debit cards, and mobile payment services.

All major banks in Croatia operate within European banking regulations, ensuring safe and secure transactions. International travelers will find plenty of ATMs (bankomati) throughout the country, especially in major cities like Dubrovnik, Split, Zagreb, and Zadar. If you’re visiting the Dalmatian islands, ATMs may be less frequent, so it’s advisable to carry some cash in euros.

Credit Card Payments in Croatia

Are credit cards widely accepted in Croatia? Absolutely! Credit card payment in Croatia is common across various businesses, including:

• Hotels
• Restaurants and cafés
• Supermarkets and convenience stores
• Tourist attractions and museums
• Car rental agencies
• Gas stations
• Ferry terminals
• Souvenir shops

All major credit card providers are accepted in Croatia, with Visa, Mastercard, Maestro, and Diners Club being the most widely used. American Express is not accepted in Croatia.

Contactless and Mobile Payments

Croatia has seen a significant increase in contactless payments in recent years. Whether you’re using a physical card or mobile payment options such as:

• Google Pay
• Apple Pay
• Samsung Pay
• Revolut

You can tap and pay quickly and securely. Most businesses accept contactless transactions up to a certain limit without requiring a PIN code. This makes payment methods in Croatia even more convenient for travelers.

Can You Use Revolut in Croatia?

Yes! Revolut is widely accepted in Croatia, making it a great option for travelers looking to avoid high exchange fees. If you have a Revolut card, you can withdraw money from almost any ATM without commission fees. This is especially helpful when traveling to smaller towns or islands where some places might prefer cash.

Using ATMs in Croatia

ATMs are easily accessible throughout Croatia. However, to avoid unnecessary fees, keep these tips in mind:

• Avoid ATMs in airports and hotels – They often charge higher fees targeted at tourists.
• Choose bank-affiliated ATMs – Stick to ATMs from major Croatian banks such as Zagrebačka banka, Privredna banka Zagreb (PBZ), Erste Bank, and OTP Banka.
• Withdraw larger amounts at once – Since some ATMs charge per transaction, it’s best to make fewer, higher-value withdrawals.
• Decline the ATM’s conversion offer – If the ATM asks whether you want to be charged in your home currency (instead of EUR), always select “without conversion” to avoid extra fees.

Are There ATMs Everywhere in Croatia?

Yes, ATMs are widely available across Croatia. In major cities like Dubrovnik, you’ll find ATMs on almost every corner, especially in the Old Town. However, if you’re heading to smaller islands or remote locations, ATM access might be limited. In these cases, it’s always a good idea to carry some cash in euros.

Can You Pay in Cash?

Yes, while credit card payment in Croatia is extremely common, cash payments are still accepted in all shops, restaurants, and local markets. Having some cash on hand is useful for:

• Small cafés and bakeries
• Public transportation (buses, taxis)
• Local farmers’ markets
• Souvenir stands
• Some rural accommodations or small guesthouses

Conclusion: The Best Way to Pay in Croatia

For most visitors, the best way to handle payments in Croatia is by using a credit or debit card for major purchases, while keeping some cash in euros for smaller transactions. With the rise of contactless payments and digital wallets, paying in Croatia is now easier than ever.

Make sure to check your bank’s foreign transaction fees before traveling, and always use bank-affiliated ATMs to minimize extra costs. Whether you’re visiting Dubrovnik, Split, or Zagreb, you’ll find that Croatia is a cashless-friendly destination with a seamless and secure payment system.

Best regards,
Vesna