Is Croatia a cashless country?

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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Credit cards such as Visa and MasterCard are widely recognised and are accepted in most tourist areas; however, it's always a good idea to have a small amount of cash if you're travelling off the beaten track.

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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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As the official currency of Croatia, Euro (€) is the best currency to use whilst in the country.

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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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Croatia is more expensive than some of its neighboring Balkan countries, however compared to much of Western Europe it is seen as an affordable tourist destination. Like a lot of Mediterranean countries, Croatia can be more expensive in tourist hotspots and along the coast in areas such as Split and Dubrovnik.

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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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With your salary, you'll probably spend €300-€400 on food. Count €150 Eur/month on other necessary stuff. The cost of living in Croatia, for a single person, will be between €1,000 - €1,500 per month. For a couple, the amount would be lower, at around €1,800 per month.

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