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Slovenia is growing in popularity as a holiday destination and it should be simple enough for tourists to spend money using their credit card.
Visa is the most commonly accepted credit card network, but it should be no problem making payments or withdrawing cash using Mastercard, American Express or other smaller networks.
Whether you’re enjoying the beautiful capital of Ljubljana, skiing in Kranjska Gora or relaxing by the beaches on the Adriatic coast, you can expect to be able to pay for goods and services by card.
You should find it simple enough to find an ATM as there are plenty located through the country. Many of them are free to use too. You can buy public transport tickets using credit card at the local stations, and many taxis accept credit card payment as well.
All in all, the country has an extremely well-adapted card payment system.
As you’d expect, there are a few potential fees to watch out for when you’re paying with plastic in Slovenia.
It’s also worth noting that when it comes to cash advances and non-sterling transactions, many card issuers will start charging interest on the day your account is debited, rather than the customary “up to 55 days interest-free” that usually applies provided you clear your balance in full each month.
Representative example: When you spend £1,200 at a purchase rate of 23.9% (variable) p.a. with a fee of £3 per month, your representative rate is 29.8% APR (variable).
Consider taking out a credit card offering commission-free currency conversion (see table below), even if you only use it when you’re out of the country. Once you have one of these cards, if a merchant offers to take payment in pounds, say you’re happy to pay in euros, since you know that your own bank won’t add a margin.
Generally speaking, it’s not a great idea to use credit cards to withdraw cash, but some travel credit cards won’t penalise you for this either. Finally, make sure to check whether any ATM you use is going to charge a fee. ATMs near banks, supermarkets and shopping centres are generally safer bets than those located inside convenience stores or bars.
We update our data regularly, but information can change between updates. Confirm details with the provider you're interested in before making a decision.
Approval for any credit card depends on your status. The representative APRs shown represent the interest rate offered to most successful applicants. Depending on your personal circumstances, the APR you're offered may be higher, or you may not be offered credit at all. Fees and rates are subject to change without notice. It's always wise to check the terms of any deal before you borrow.
Contactless payments are becoming increasingly common in Slovenia. A December 2018 study by Mastercard indicated that more than half (54%) of Slovenians use contactless at least once per week.
Chip-and-PIN technology is more prevalent. Provided you have a four-digit PIN, you should be able to pay this way with no problems.
As far as safety goes, you can freely use your card in Slovenia. It is not a place that is well known for bank card scams. However, there are some precautions you can take for increased security:
If you travel to Slovenia, you can safely use your credit card to make payments and withdraw cash. You’ll just have to be careful to not incur fees you can otherwise avoid. With a decent travel credit card, you’ll avoid paying foreign transaction fees. By simply declining the DCC when offered, you’ll also avoid a poor exchange rate or commission.
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