Like most destinations within the EU, most businesses accept card payments without any problem. But carrying an adequate amount of cash with you will ensure that you are covered for your expenses and can help with your budgeting. Check your bank's fees for international transactions before traveling, as this can vary.

In 2026, Dubrovnik has become almost entirely a cashless-friendly city, but carrying a small amount of "emergency" cash is still a high-value strategy. Since Croatia adopted the Euro (€), digital payment acceptance has reached nearly 95% in the Old Town, including restaurants, souvenir shops, and even the "Dubrovnik Pass" kiosks for the city walls. Most local businesses prefer contactless "tap-to-pay" methods via credit cards or mobile wallets like Apple Pay. However, you will still encounter "cash-only" situations in niche scenarios: some very small "hole-in-the-wall" bars (konobas) in the steep alleyways, local fruit markets, and public toilets may still require physical coins. Additionally, if you plan to take a local bus or tip a tour guide, having small denominations of Euros is essential. A 2026 "pro-tip" is to avoid the "Euronet" blue-and-yellow ATMs scattered around the Stradun, as they charge exorbitant conversion fees; instead, use a bank-affiliated ATM (like OTP or PBZ) if you need to withdraw cash, and always choose to be "charged in the local currency" (Euros) to get the best exchange rate from your home bank.