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.

In 2026, while Croatia has fully transitioned to the Euro (€) and credit cards are widely accepted in hotels, major restaurants, and supermarkets, carrying some cash is still highly recommended. Many small "Konobas" (local taverns), open-air markets, souvenir stalls, and ice cream parlors—especially on the islands like Hvar or Vis—may still have "Cash Only" policies or minimum spend requirements for cards. Additionally, cash is useful for tipping (which is customary but not mandatory), paying for small parking fees, or taking local buses in rural areas. In 2026, it is best to use a fee-free travel card to withdraw small amounts of Euros from "official" bank ATMs (like OTP or PBZ) to avoid the high fees of independent "tourist ATMs" often found on the street. Having roughly €20–€40 in small bills on your person at any time will ensure you are never stuck when exploring the hidden corners of the Dalmatian coast.