Be aware that some places in Croatia may only accept cash, particularly in cafés, bars, and small restaurants. The concept of siesta is very much a part of the elder generation's daily routine. Between 2pm and 5pm, avoid making too much noise or phoning a local, as this is national naptime, particularly on the coast.

While the word "siesta" is Spanish, Croatia has its own deeply ingrained Mediterranean tradition of a mid-day break known as "fjaka." This is especially prevalent along the Dalmatian coast during the hot summer months. Between 2 PM and 5 PM, it is common for smaller shops, bakeries, and family-run businesses to close as locals retreat from the heat for a heavy lunch and a nap. This period is respected as a time of quiet and rest; it is considered impolite to call someone or conduct business during these hours. In larger cities like Zagreb or in major tourist hubs like Split and Dubrovnik, international chains and larger supermarkets stay open, but the "slow pace" of the afternoon remains a cultural cornerstone. Visitors should plan their sightseeing accordingly, as the "fjaka" mindset means that life effectively pauses until the cooler evening hours when the streets come alive again for the "korzo" (evening stroll).