What money should I take to Croatia?

Read our guide to find out everything you need to know about travel money in Croatia.

If you are travelling to Croatia, you’ll want some kuna, the national currency. Cash machines are widely available all over the country, and you can pay use your Visa or Mastercard card in most shops, supermarkets, cafes, restaurants, bars, hotels, hostels and when buying transport tickets.

The exchange rate for the kuna is fixed to the euro. The fixed rate allows the government to make kuna more expensive during the summer tourist season, which it does every year.

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    Compare travel cards for Croatia

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    to

    Min. Transfer Amount Transfer Speed Online Transfer Fee Rate Amount Received Description CTA Details
    GBP 250 - - Go to site Show details
    GBP 1 GBP 0.00 7.883 HRK
    3,941
    With over 240 stores, Debenhams offers travel money, money transfer and money exchange services. OFFER: Get £5 off £20 spend voucher; load your leftover currency on to a Debenhams gift card, and get an extra 20% free. Go to site Show details

    Compare up to 4 providers

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    to

    Min. Transfer Amount Transfer Speed Online Transfer Fee Rate Amount Received Description CTA Details
    GBP 300 GBP 6.50 8.144 HRK
    4,019
    Cash via post – Griffin Financial is a specialist dealer in foreign currency and can offer some of the most competitive rates around. Go to site Show details
    GBP 300 GBP 5.00 8.219 HRK
    4,069
    Cash via post – Travel FX Ltd is a specialist dealer in currency providing an alternative to banks and bureaux de change. Go to site Show details

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    to

    Min. Transfer Amount Transfer Speed Online Transfer Fee Rate Amount Received Description CTA Details
    GBP 100 GBP 0.00 7.908 HRK
    3,954
    Prepaid card – Travelex Group is a foreign exchange company based in London. It's the biggest foreign exchange bureau in the world. Go to site Show details

    Compare up to 4 providers

    How much money do I need to bring to Croatia?

    Croatia is no longer the super-cheap holiday getaway it once was, but you can still expect to find lower prices than western Europe. During the summer season, along the coastal stretch, prices are much higher than they are during the rest of the year.

    This can’t really be avoided, but if you are on a shoestring budget, you can still scrape by saying in hostels and cheap pensions. On the other hand, if you have cash to splash, Croatia is an excellent place to let loose and live a glamorous life, even for just a week.

    Basic costs Midrange A royal experience
    bldg One night
    Dorm: £15
    Campsite: £5
    One night
    Hotel – £70 p.p.
    One night
    4 Star Hotel – Double £100
    utensil Basic meal at a small restaurant
    £6
    Meal at a midrange restaurant
    £12
    Fine dining
    £25-30 p.p.
    camera Walk around the city
    It’s free
    A local city bike tour
    £20 p.p.
    Private sailing trip
    £120 p.p.

    *Prices are approximate and subject to change.

    Exchange rate history

    Over the past 12 months, on average, £1 would have got you about HRK9. While it’s extremely difficult to predict where forex rates will move in the future, over the past couple of years rates have fluctuated between 8HRK and 10HRK.

    Year Average annual exchange: British pound (GBP) to Croatian kuna (HRK)
    2012 9.494819
    2013 8.834986
    2014 9.471999
    2015 10.608303
    2016 8.664733
    2017 8.134933
    as of August 2017

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    Should it be a travel card, a debit card or a credit card?

    You should have little trouble with Visa and Mastercard acceptance in Croatia. American Express is accepted in fewer places than Diners Club. If you want to avoid extra bank fees in Croatia, make use of a variety of cards and use each one for a specific purpose. For example, choose a card that does not charge for currency conversion for over-the-counter payments and a different card for ATM withdrawals — even better if you can find a card that suits both purposes.

    A quick summary of travel money options in Croatia

    Travel money option Pros Considerations
    Debit cards for travel
    • Protected by PIN security
    • Debit cards are widely accepted in Croatia
    • Access funds from an ATM or pay for purchases over the counter
    • Emergency cash facilities
    • Ideal for managing your travel budget
    • Currency conversion fees on foreign transactions
    • Lost debit cards while overseas can be easily blocked, but not easily replaced
    • No emergency cash
    • No backup cards
    Prepaid travel money cards
    • Protected by PIN & chip
    • Pre-load and secure your exchange rate in multiple foreign currencies
    • Accepted worldwide
    • Emergency card replacement and backup cards
    • Ideal for managing your travel budget
    • Reloading time
    • Currency conversion and international ATM fees
    Credit cards for travel
    • Protected by PIN & chip
    • Access to funds up to your credit limit
    • Accepted worldwide
    • No currency conversion/ transaction fees
    • Benefits including rewards points on spending, 0% purchases, frequent flyer perks, complimentary travel insurance
    • Emergency card replacement
    • Can charge high withdrawal and cash advance fees
    • Higher spending limit (depends on your approved credit limit)
    Traveller’s cheques
    • Secure and can be easily replaced if lost or stolen
    • Photo I.D. needed to cash cheques
    • Can be costly with initial purchase charges
    • Not all merchants accept traveller’s cheques
    Cash
    • Greater payment flexibility
    • Convenience
    • More difficult to manage expenses
    • Higher risk of theft

    This table is a general summary of the travel money products in the market. Features and benefits can vary between cards.

    How travel money products work in Croatia

    The best way to take travel money to Croatia is to use a card with low or no currency conversion fees and foreign ATM transaction charges fees that allows you to withdraw, spend and use the local currency, kuna.

    Using prepaid travel cards

    There are few travel cards which allow you to load, withdraw or spend kuna – one of them being the Post Office Travel Card.

    • Tip: When you’re making a purchase over the counter with your card, if you’re asked whether you want to pay in sterling or kuna, always pay in the local currency. You’ll lose out on the exchange rate otherwise.

    Using credit cards

    Visa and Mastercard credit cards — the majority of cards issued in the UK — are widely accepted in Croatia. The currency conversion fee (or lack thereof) is what to look for. There are a handful of credit cards which let you spend in another currency without paying the extra 3%. Check with your credit card provider to see if this is a favourable option for you. However, watch out for cash advance fees and charges if you make a withdrawal on credit, it’s one of the most expensive ways to get cash.

    • Tip: Some credit cards offer complimentary international travel insurance when you charge the cost of your travel ticket to your card.

    Using traveller’s cheques

    Don’t concern yourself with traveller’s cheques – this travel money product is more hassle than it’s worth in Croatia. Card payments are the norm in Croatia and card providers offer money back guarantees if you’re the victim of fraud. These features have made traveller’s cheques redundant.

    Using an ATM in Croatia

    ATMs, called bankomats, are easily found all over Croatia. Croatian ATMs use the four-digit PIN and chip system so all UK debit and credit cards will be easily accepted. If you are withdrawing a large sum of money, you may get stuck with large bills. The 500 kuna, and even rarer 1,000 kuna will be tricky to change, especially from smaller coffee shops, bakeries and boutiques. If you find yourself stuck with larger notes, try getting them changed at a post office, or in the bank of the ATM you used to make the withdrawal.

    Paying with cash in Croatia

    Since July 2013, Croatia has been an official part of the european Union, but it’s yet neither a part of the schengen agreement, which allows border-free passage between signatory states, or part of the . That means that travellers to Croatia will need to be prepared to spend the Croatian local currency, kuna, during their travels.

    While visitors will find that prices are often quoted in euros, and euros are widely accepted, especially in touristy areas, using euro cash rather than kuna will almost certainly leave you short-changed. Use kuna rather than euros, either by exchanging foreign currency, withdrawing from an ATM or by using credit or debit cards to make purchases.

    • Exchanging cash. Exchanging cash is a simple affair in Croatia. Exchange booths (Mjenjacnica), banks and post offices will change euros, American dollars, Australian dollars, Pounds, Serbian dinar, Hungarian forint and Swiss francs. Post offices and banks are usually the most dependable places to get your money changed.
    • Exchanging currency on the Islands. If you are heading to one of Croatia’s many beautiful islands, it is best to exchange foreign currency into the kuna on the mainland (or just use an ATM — operator fees apply). Tourist agencies and exchange offices are plentiful on the islands, but the rate is often unfavourable.
    • For road-trippers. If you are arriving to Croatia by car, one of the first things you see once you cross the border will be exchange booths. Just change enough to get you to the nearest town unless you are absolutely sure of the exchange rate. Roadside exchange booths at border crossings are notorious for poor exchange rates. Even if you are arriving from neighbouring countries that don’t use euro, make sure you have euro to change. It is by far the most accepted foreign currency for exchange. You will be surprised at the unwillingness of exchange booths to accept Serbian Dinar on the Croatian/ Serbian border or Hungarian Forint on the Hungarian/Croatian border, for example. In emergency situations or if you don’t have kuna, euro cash always speaks loudest.
    • For jet-setters. True for almost everywhere in the world: do not get your money changed at the airport. If you need cash, and don’t have kuna, just change a small amount to get you into town.
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    Getting familiar with Croatian kuna banknotes

    Buying currency in the UK

    Croatian kuna are a relatively common currency in the UK, and providers such as Travelex and the Post Office will usually stock kuna to collect before you go.

    Exchange rates

    It’s worth getting a good exchange rate, as this will leave you with a little more to spend on your trip. Compare your options and make sure you’re getting the best exchange rate possible.

    Why you’ll need a combination of travel money options

    Taking a prepaid card is a good, safe option for your holiday, but it’s also worth taking some cash for small transactions such as bus journeys or snacks, as they may not take cards.

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    You might also be interested in:

    Heading to other parts of Europe? Read our travel money guides for neighbouring countries.

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    4 Responses

    1. Default Gravatar
      JoApril 3, 2019

      What is the currency of Slovenia?

      • Avatarfinder Customer Care
        JoshuaApril 3, 2019Staff

        Hi Jo,

        Thanks for getting in touch with Finder. I hope all is well with you. 😃

        The Slovenian tolar was the currency of Slovenia until it was replaced by the Euro.

        I hope this helps. Should you have further questions, please don’t hesitate to reach us out again.

        Have a wonderful day!

        Cheers,
        Joshua

    2. Default Gravatar
      maxAugust 1, 2018

      can you pay your hotel bill in Croatia in sterling, euro or US dollar cash and if yes-what is the upper limit, if at all?

      • Avatarfinder Customer Care
        JoshuaAugust 8, 2018Staff

        Hi Max,

        Thanks for getting in touch with finder. I hope all is well with you. :)

        Although Croatia is now part of the European Union, at present the currency is still the kuna (code HRK). For this reason, you might find it difficult to pay your hotel bill in Sterling, Euro, or USD. However, if you use a debit or credit card with any of these currencies, your money will automatically be converted to Kuna using the specified exchange rate of your card. You may also incur other fees.

        Regarding the limit, it depends on your card. You might want to check with your provider.

        To learn more about traveling to Croatia, please review this page.

        I hope this helps. Should you have further questions, please don’t hesitate to reach us out again.

        Have a wonderful day!

        Cheers,
        Joshua

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