Why Travelers Choose Revolut for Payments in Croatia

Gone are the days of struggling with currency exchange offices or worrying about international transaction fees. Whether you’re enjoying a coffee in Dubrovnik’s Old Town or booking a ferry to the islands, having a reliable and cost-effective payment method is essential. Revolut has rapidly become a go-to solution for travelers, offering seamless digital payments and competitive exchange rates.

But how well does it actually work in Croatia? Let’s break it down.

How Does Revolut Work?

What is Revolut?

Revolut is a UK-based digital bank that has revolutionized how people handle money abroad. With multi-currency accounts, real-time exchange rates, and robust security features, it’s an attractive option for those who want financial flexibility while traveling.

You can manage everything through the Revolut app, allowing you to exchange currencies, track spending, and even set budgeting limits—all from your phone.

Key Features for Travelers

• Multi-currency Wallet: Hold and exchange multiple currencies without the hassle of opening new bank accounts.
• Real-time Exchange Rates: Get interbank rates with minimal fees, making every payment in Croatia more cost-effective.
• Security Features: Freeze your card instantly, set spending limits, and receive real-time alerts to prevent fraud.
• ATM Withdrawals: Withdraw cash when needed, though some limits and fees apply (more on that below).

Using Revolut in Croatia: The Benefits

Where Can You Use Revolut in Croatia?

Revolut cards are widely accepted across Croatia, including:

• Hotels and restaurants
• Supermarkets and local stores
• Online bookings (car rentals, excursions, ferries)
• Public transport (some buses, taxis, and ferry lines)

For larger expenses like accommodation, using a Revolut card can help you avoid excessive exchange fees that traditional banks might impose.

🔗 Want to explore more payment options in Croatia? Check out our guide to using credit cards in Dubrovnik.

Why Revolut is a Smart Choice for Croatia

1. Save on Currency Exchange: Revolut offers near-perfect interbank exchange rates. Unlike traditional banks that add a markup, Revolut helps you avoid unnecessary costs.
2. Track Your Spending: The app provides real-time transaction notifications and budgeting tools.
3. No Need for Excess Cash: Since card payments are widely accepted, you won’t have to carry large amounts of euros.
4. Travel Insurance Options: Premium and Metal users get access to travel insurance and additional perks.

💡 Pro Tip: If you plan to use Revolut for multiple trips, consider upgrading to Revolut Premium or Metal for even lower exchange fees and better ATM withdrawal limits.

Things to Watch Out for When Using Revolut in Croatia

Even though Revolut is an excellent travel companion, there are a few things to keep in mind:

ATM Withdrawals in Croatia

While card payments are common, there may be times when you need cash, especially in smaller towns or for local markets. Revolut allows free ATM withdrawals up to a certain limit (€200/month for the free plan), after which a small fee applies.

🚨 Be careful! Some Croatian ATMs (especially Euronet) charge high withdrawal fees. Stick to bank ATMs like those from Zagrebačka Banka, PBZ, or Erste Bank.

Possible Weekend Exchange Rate Fees

Revolut applies a slight markup on currency exchanges during weekends (usually around 1%). If you’re planning to exchange money, try to do it on weekdays for the best rates.

🔗 Need cash? Learn more about ATM fees and withdrawals in Dubrovnik.

Not Every Merchant Accepts Revolut

While most businesses in Croatia accept Revolut, smaller vendors or remote areas may still prefer cash. It’s always a good idea to have a small amount of local currency on hand.

Best Practices for Using Revolut in Croatia

Setting Up Your Revolut Card Before Traveling

• Activate Your Card: Make sure your Revolut card is activated and topped up before arriving.
• Enable International Transactions: Some banks automatically block international payments—double-check your Revolut settings to avoid issues.
• Save Customer Support Contacts: If you run into problems, you can contact Revolut support directly through the app.

Making Payments and Managing Expenses

• Use Contactless Whenever Possible: It’s the fastest way to pay in Croatia.
• Check the Currency Setting on Terminals: If asked whether to pay in HRK (Croatian Kuna) or your home currency, always choose HRK to avoid dynamic currency conversion fees.
• Monitor Your Transactions in Real-Time: Revolut’s app will notify you immediately after every purchase.

Securing Your Revolut Account

To ensure your account stays safe while traveling:

• Enable two-factor authentication for added security.
• Use disposable virtual cards for online bookings to prevent fraud.
• Freeze your card if lost or stolen—you can do this instantly from the app.

Final Thoughts

Revolut is an excellent tool for managing money while traveling in Croatia. It saves you money on exchange rates, offers real-time tracking, and provides security features that make spending stress-free.

However, it’s always good to be aware of possible ATM fees and occasional merchant limitations. By planning ahead and using the right strategies, you can enjoy your trip without financial worries.

💳 Thinking of getting a Revolut card? Visit Revolut’s official site to sign up before your next adventure in Croatia.

🚀 Ready to explore Dubrovnik? Check out our top itineraries and travel guides.

Best regards,
Vesna