In 2026, the ability to pay by card on a bus in Croatia depends on whether you are on a local city bus or an intercity coach. For major intercity carriers like Arriva or FlixBus, you can easily pay by card when booking online or at a station ticket office, but if you are buying a ticket directly from the driver on board, cash is still the primary requirement. For local city buses in hubs like Zagreb (ZET) or Split (Promet), you typically need to purchase a ticket in advance from a "Tisak" kiosk or use a dedicated mobile app. While some newer city buses are being retrofitted with "tap-to-pay" contactless terminals, they are not yet universal across the country. To avoid being stranded, travelers are advised to always carry a small amount of Euro cash for "on-the-spot" ticket purchases or to book their journeys in advance via a mobile app to ensure a digital payment is accepted.