How Does ATMs & Cash Work in Croatia?
Last verified: 2025-06 · Europe
1The Quick Answer
Croatia uses the euro since January 2023 — avoid Euronet ATMs and use Erste, Raiffeisen, or Zagrebačka banka machines instead.
2What You Need to Know
Croatia adopted the euro in January 2023, replacing the kuna, so euro-holders face no currency conversion at all. Cards and contactless payments are widely accepted in hotels, restaurants, and shops in tourist areas. However, smaller island shops, beach kiosks, local markets, and rural konobas are often cash-only. Euronet ATMs are found at high-traffic tourist spots and apply very high fees — always use bank-branded ATMs such as Erste, Raiffeisen, Zagrebačka banka, or OTP Banka instead. Wise and Revolut cards perform well at bank ATMs across Croatia.
3Practical Tips
Practical Tips
- 1Use only bank-branded ATMs (Erste, Raiffeisen, Zagrebačka banka) and avoid Euronet machines entirely — the fee difference is significant.
- 2Always decline the ATM's offer to convert to your home currency (DCC) and choose to be charged in euros for the best exchange rate.
- 3Carry some cash when visiting small islands or rural areas, as many small businesses and local markets do not accept cards.
Important Warning
Euronet ATMs at popular tourist locations in Dubrovnik, Split, and Hvar charge very high fees — seek out a bank-branded ATM even if it requires a short walk.
How does this compare?
ATMs & Cash rules in nearby and similar countries:
Germany is more cash-dependent than most Western European countries — always carry euros as many restaurants and smaller shops are cash-only.
UK ATMs are widespread and free at supermarkets and post offices; contactless payments up to £100 are the norm but some small venues still require cash.
Cards are widely accepted across France, but some traditional markets and brasseries prefer cash — use Crédit Agricole, BNP Paribas, or Société Générale ATMs and always decline dynamic currency conversion.
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