Do all Croatian ATMs charge a fee?

Tips for avoiding ATM fees in Croatia While finding a fee-free ATM is unlikely, you can minimize fees by avoiding ATMs in airports and hotels, which typically target tourists with high fees. Use a card that doesn't charge foreign transaction fees and reimburses ATM fees.



Not all ATMs in Croatia charge a local surcharge, but "fee-free" machines have become increasingly difficult to find as of 2026. Most independent or "tourist" ATMs (like Euronet, Auro Domus, or MoneyGet) famously charge high transaction fees, often ranging from €4 to €10 per withdrawal, in addition to offering poor exchange rates. To avoid these, travelers should look for ATMs operated by major national banks such as Zagrebačka banka (ZABA), Privredna banka Zagreb (PBZ), or Erste Bank, which are more likely to offer surcharge-free withdrawals for international cards, depending on your home bank's partnership. Even at a "no-fee" ATM, you must be careful to decline "Dynamic Currency Conversion" (DCC). The machine will ask if you want to be charged in your home currency (e.g., USD or GBP); you should always select "Decline Conversion" or "No" to let your own bank handle the exchange rate, which is almost always cheaper. Using a travel-focused card like Revolut or Wise can help you locate surcharge-free machines via their in-app maps.

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Are there any tips to avoiding ATM fees in Croatia? You could luck out and find a fee-free ATM, but that's unlikely. You should avoid ATMs in airports and hotels, as they tend to have high fees to target tourists. You can also get a card that doesn't charge foreign transaction fees and reimburses you for ATM fees.

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Avoid independent ATMs, such as Travelex, Euronet, Moneybox, Your Cash, Cardpoint, and Cashzone. These have high fees. Note that these independent ATMs are often found next to bank ATMs in the hope that travelers will be too confused to notice the difference.

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European travelers should always have some cash on hand; getting it from an ATM abroad is usually the easiest, most advantageous way. If you need cash from an ATM, it's usually better to use a debit card, because credit cards often charge a high interest rate for a cash advance.

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ATMs are the best way to access money abroad and are increasingly available. Your bank or credit card company may charge fees for withdrawals overseas and may have a limit on the amount you can withdraw daily, so be sure to consult with your bank about this.

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Currency: Kuna The kuna is still the country's currency, even though Croatia became a member of the European Union on 1 July 2013. However, the euro is increasingly accepted particularly for large amounts. If you travel to Croatia by car, you'll find that you can also pay toll charges in euros.

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Tipping etiquette in Croatian restaurants follows a fairly standard guideline. Showing appreciation through a tip is always welcomed. When dining at a pizzeria or konoba, a tip of 5% or more is appropriate. For a nice restaurant dinner, we recommend leaving a tip of 10% or more.

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