Planning a Trip to Croatia? Here’s What You Need to Know About Money
If you’re heading to Croatia and wondering what currency you’ll need, how much cash to bring, or whether you can use your card—this guide is for you. As of 2023, Croatia uses the euro (€) as its official currency, replacing the Croatian kuna. From paying for coffee in Dubrovnik’s Old Town to withdrawing cash near your hotel, here’s everything you need to know about money in Croatia.
What Is the Currency in Croatia?
As of January 1, 2023, the euro (EUR) is the official currency of Croatia. The kuna (HRK) was the national currency for nearly three decades before the transition to the euro.The euro is used across many European countries and comes in both notes (€5, €10, €20, €50, €100, €200, €500) and coins (1c, 2c, 5c, 10c, 20c, 50c, €1, €2). In Croatia, it’s the only accepted currency for everyday transactions.
Where and How to Get Euros
Before You Arrive
If you like to plan ahead, you can exchange your currency before your trip. Consider converting money at your home bank or using a trusted online currency exchange service for better rates.
Once You’re in Croatia
There are several ways to get euros while in Croatia:
- ATMs (locally called “bankomati”) are widely available and connected to international networks.
- Banks and authorized exchange offices offer fair exchange rates.
- Avoid exchanging money at hotels or airports where the rates are often less favorable.
- Avoid Euronet ATMs, as they charge high withdrawal fees—look for ATMs operated by Croatian banks like PBZ, Erste, or OTP.
Near Hotel Sumratin in Dubrovnik, you’ll find several convenient ATM options within a short walking distance.
Cash or Card: What Should You Use?
Paying by Card
Most places in Croatia especially in major cities and tourist spots—accept credit and debit cards. Visa and Mastercard are widely accepted, while American Express may not be available everywhere.
Cards are ideal for:
- Hotels and guesthouses
- Restaurants and bars
- Supermarkets and shops
When to Use Cash
Cash is still useful in Croatia, especially for:
- Small cafés and bakeries
- Open-air markets
- Bus tickets and local transport
- Tips and small purchases
It’s always good to carry a small amount of cash, especially when exploring smaller towns or islands.
ATMs in Croatia: What to Know
ATMs are easy to find in most Croatian cities and tourist areas like Dubrovnik, Split, and Hvar. However, smaller villages or islands may have limited access, so plan ahead.For lower withdrawal fees and better rates, always use ATMs inside banks, not standalone machines. In Dubrovnik, particularly around Hotel Sumratin, you’ll find several reliable ATMs just minutes away on foot.
Tipping and Everyday Costs in Croatia
Tipping in Croatia
Tipping isn’t mandatory in Croatia, but it’s appreciated—especially in tourist areas.
- Restaurants: 5–10% is common if you’re happy with the service
- Taxi drivers, hotel porters, tour guides: A few euros as a thank you is polite
Bars and cafés: Rounding up the bill is enough
Example Prices
To help plan your budget, here are average prices you can expect in Dubrovnik:
- Coffee: €1.50–3.50
- Beer: €3–6
- Main dish in a restaurant: €10–30
Taxi from Dubrovnik Airport to Old Town: €25–40
How Much Money Should You Bring?
How much to bring depends on your travel style and trip duration. On average, plan for €50–100 per day per person for food, transport, activities, and small purchases.Keep in mind: Dubrovnik is more expensive than many other parts of Croatia, especially in peak season.
How to Pay at Hotel Sumratin
At Hotel Sumratin, you can pay in euros using cash or card (Visa, Mastercard). For the best rates and convenience, we recommend booking in advance using a credit card.Banking services, ATMs, and currency exchange offices are all available within a 2-minute walk from the hotel.
Croatia Currency – FAQ
Does Croatia use the euro?
Yes, Croatia has used the euro as its official currency since January 1, 2023.
Should I exchange money before my trip or in Croatia?
You can do either, but exchanging in Croatia at a local bank or withdrawing from a bank ATM often provides better rates. Avoid airport and hotel exchanges.
How much cash should I carry?
Carry small amounts for taxis, tips, and small purchases. Most expenses can be paid by card.
Can I use dollars or pounds?
No. Only euros are accepted in Croatia. You’ll need to exchange your currency into euros before or upon arrival.
