Does Croatia prefer cash or card?

It's important to note that while card payments are widely accepted, some smaller establishments, local markets, or remote areas may prefer cash transactions. It's always a good idea to have some cash on hand, especially when visiting more rural or off-the-beaten-path destinations.



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Card Payments in Croatia Security: Card payments offer a higher level of security compared to carrying cash, reducing the risk of loss or theft. Wide Acceptance: Major credit and debit cards, such as Visa and Mastercard, are accepted in most hotels, restaurants, shops, and tourist attractions.

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The key payment instruments in the Croatia cards and payments market are cash, cards, credit transfers, and direct debits. In 2022, cash was the major payment instrument followed by cards and credit transfers. Croatia is a cash-based economy, with cash typically used for day-to-day, low-value transactions.

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Generally with city breaks we take minimal cash and use card for all transactions. Our last 4 breaks we have only had to use cash once in a tiny local town in Portugal. We have a travel guide we have on Dubrovnik that says cash is preferred but that book is possibly from before covid.

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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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If you don't obtain Euros in advance, taking your 'home' currency (e.g. UK Pounds or U.S. Dollars) to Croatia and changing it there will not result in any problems. They are easy to exchange for Euros in the country, although other currencies can of course be changed too.

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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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English is by far one of the most commonly taught at this point, along with German and Italian. Being bilingual, or even multilingual, is common among Croatians. For example, a recent poll showed that 80% of Croatians are multilingual. Within that group, 81% speak English.

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Best Croatian Food and Dishes You Need to Try
  • Black Risotto. While black risotto can be enjoyed throughout Croatia, particularly in the coastal regions, the dish is best sampled in the small town of Ston on the Peljesac Peninsula. ...
  • Brodetto. ...
  • Buzara. ...
  • Grilled Fish. ...
  • Peka. ...
  • Bean Soup. ...
  • Octopus Salad. ...
  • Pršut.


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Budget restaurants offer meals for as low as $5 per person, while mid-range restaurants can range from $10 to $20 per person. Now, let's talk about daily expenses. If you're a budget traveler, you can expect to spend around $50 to $70 per day, including accommodation, meals, transportation, and some activities.

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Public toilets Some of them are free of charge year-round. Public toilets on the coast usually have a charge, so be prepared to pay about 0,50 to 1 euro. When paying, you will have to give the money to a staff member or pay it via machine at the entrance so be sure to have some change in your pocket.

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It's common for Croatian ATMs to charge a flat fee for use by non-customers of the bank that owns the ATM. Your home bank may also charge a flat fee or percentage as a withdrawal fee, as well as foreign transaction fees when you use your card abroad.

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