ATMs & money.
Croatia uses the euro, cards work almost everywhere, and the only real way to lose money here is at the wrong cash machine.
Short answer
Croatia is in the Eurozone — no currency exchange needed. Cards are accepted almost everywhere. Avoid Euronet ATMs and always decline 'conversion to your home currency' (DCC); choose to be charged in euros for the fair rate.
Currency and cards
Currency
The euro (€). Croatia joined the Eurozone in 2023 — kuna is no longer in circulation.
Cards
Accepted in restaurants, shops, taxis, buses (kiosk purchases) and attractions. Contactless is standard.
Cash
Useful for small island bars, markets, some konobas and boat kiosks. €50–100 is plenty.
Using ATMs without getting stung
Use bank-branded machines — Zagrebačka banka, PBZ, OTP, Erste, Addiko. They charge normal fees.
Avoid standalone Euronet machines. Their fees and rates are markedly worse, and they are placed exactly where tourists walk.
Always decline dynamic currency conversion. When the screen offers to charge you in pounds, dollars or your home currency, say no and choose euros — your own bank gives a better rate.
Tipping and everyday costs
Tipping is appreciated but not obligatory: round up, or 5–10% for good restaurant service.
Tap water is excellent and free — bring a refillable bottle and skip the €3 bottles.
Prices inside the walls carry an Old Town premium. Walk ten minutes to Gruž or Lapad for local prices.
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