Roberta Aguirre
As of 1 January 2023, the official currency of Croatia is the Euro. Euros are accepted throughout the country, including in Dubrovnik, and can be used to pay for any product or service. ATMs are readily available in Croatia, including at Dubrovnik Airport, and it is recommended to use these or a bank to obtain cash rather than exchanging money at hotels, which often have higher fees. Kent Bank has a branch in Dubrovnik that offers an ATM without a service fee.
| Characteristics | Values |
|---|---|
| Currency in Croatia | Euro (EUR, €) |
| Currency Exchange | Possible at Croatian National Bank, banks, exchange offices, and some airports |
| Payment Methods | Cash, debit or credit cards, and contactless payment apps |
| ATM Availability | Widespread, including at airports, train stations, ferry ports, and bus stations |
| ATM Fees | Vary, some charge €4.75-€8 per transaction, while others like Kent Bank ATMs have no fee |
| Card Acceptance | Widely accepted, but confirm with the merchant before making a purchase |
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What You'll Learn
Euros are the official currency in Croatia
As of 1st January 2024, there is only one location in Croatia where you can exchange your old Kunas for Euros – the Croatian National Bank in Zagreb. Notes can be exchanged indefinitely, while coins can only be exchanged until 31st December 2025. The fixed conversion rate of Kuna to Euro is 1.00 EUR = 7.53450 HRK.
ATMs are readily available in almost all towns and cities in Croatia, including at Dubrovnik Airport. They can be identified by the "bankomat" sign and accept Visa, Mastercard, Cirrus, Plus, Maestro, Eurocard, and American Express. It is best to avoid using ATMs at airports and hotels, as they often come with high fees aimed at tourists. It is recommended to use a card that does not charge foreign transaction fees and reimburses ATM withdrawal fees.
Euros can be used to pay at shops, restaurants, and other businesses in Croatia. Visitors from outside the Euro area are encouraged to use debit or credit cards, contactless payment apps, or cash (Euro). Payment methods are usually clearly displayed, so it is advisable to check them before making a purchase.
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Kent Bank ATMs in Dubrovnik don't charge a fee
Euros are the official currency of Croatia and are accepted throughout the country, including in Dubrovnik. ATMs are readily available in almost all towns and cities in Croatia, including Dubrovnik, where they can be found in banks, supermarkets, and airports.
ATMs in Croatia are usually identifiable by a "bankomat" sign and accept Visa, Mastercard, Cirrus, Plus, Maestro, Eurocard, and American Express. While ATMs are available at Dubrovnik Airport, it is recommended that you avoid using them due to high fees aimed at tourists.
If you are looking for a fee-free ATM in Dubrovnik, there is a Kent Bank ATM located to the right of the main entrance of the bank branch. This ATM does not charge a fee for foreign card use, unlike other ATMs in the city, which typically charge €5-8 for withdrawals.
It is worth noting that while Kent Bank's ATM does not charge a fee, your home bank may still charge a withdrawal fee. Additionally, there may be limits on the amount you can withdraw, as some users have reported a maximum withdrawal limit of 130 euros with their Visa cards and 300 euros with Mastercard.
To maximize savings, it is recommended to steer clear of the "pay in your home currency" option, as it typically offers unfavorable exchange rates and does not exempt you from withdrawal fees. Instead, check with your bank before your trip to see what option is best for you and consider getting a card that does not charge foreign transaction fees and reimburses ATM withdrawal fees.
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Dubrovnik Airport will have at least one ATM
Dubrovnik Airport (DBV) is located at Ćilipi, 22km southeast of Dubrovnik Old Town and about 3km from Cavtat. The airport has a range of facilities, including shops, refreshments, a coffee shop, a snack bar, a VIP lounge, a business lounge, currency exchange, ATMs, a bank, and a duty-free shop.
ATMs, locally known as "bankomat", are widely available in Croatia and can be found in airports, train stations, ferry ports, and bus stations. They are also located on almost every corner in towns and cities, including Dubrovnik.
As the official currency of Croatia, the Euro can be used at Dubrovnik Airport and throughout the country. Payments in shops, restaurants, and other commercial establishments are made exclusively in Euros.
ATMs at Dubrovnik Airport will accept Visa, Mastercard, Cirrus, Plus, Maestro, Eurocard, and American Express. It is recommended to use ATMs or banks for currency exchange, as they offer better exchange rates than hotels or exchange offices. Additionally, it is advisable to check with your bank before your departure to understand the applicable fees and ensure your card is compatible with Croatian ATMs.
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Avoid the pay in your home currency option
The Euro is the official currency in Croatia, and it is accepted throughout the country, including in shops, restaurants, and other businesses.
ATMs are readily available in almost all towns and cities in Croatia, including Dubrovnik Airport. They are recognizable by the "bankomat" sign and accept Visa, Mastercard, Cirrus, Plus, Maestro, Eurocard, and American Express.
When withdrawing money from an ATM, it is generally best to avoid the "pay in your home currency" option. Here are some reasons why:
- Unfavorable Exchange Rates: The "pay in your home currency" option often offers less favorable exchange rates than withdrawing in the local currency. The dynamic currency conversion rate applied may not be the most current, resulting in you paying more for the transaction.
- Withdrawal Fees: Selecting the "pay in your home currency" option does not exempt you from withdrawal fees. These fees can add up quickly, especially if you make multiple withdrawals during your trip.
- Transparency and Control: When you choose to pay in your home currency, you may not have a clear understanding of the exact exchange rate and fees being applied. By opting to pay in the local currency, you can easily calculate the amount you are spending and make informed decisions about your transactions.
- Alternative Options: There are more cost-effective alternatives to the "pay in your home currency" option. Before your trip, consider getting a card that does not charge foreign transaction fees and reimburses ATM withdrawal fees. Additionally, look for ATMs with lower or no service fees, such as the Kent Bank ATM located outside their branch in Dubrovnik.
To maximize your savings and avoid unnecessary fees, it is generally recommended to steer clear of the "pay in your home currency" option when using ATMs in Croatia, including at Dubrovnik Airport. Instead, opt to withdraw in the local currency and be mindful of the associated fees to make informed choices.
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You can exchange money before your trip
Euros are accepted in Croatia, and you can use them at Dubrovnik Airport. However, if you are travelling from outside the Euro area, it is advisable to exchange some money before your trip.
The Euro is the official currency in Croatia, and you can use it in shops, restaurants, and other businesses. You can pay for your accommodation in Euros, but it is recommended to pay in Kuna, as the exchange rate for Euros in shops can be poor.
ATMs are readily available in Croatia, including at Dubrovnik Airport, and it is possible to withdraw cash in Euros from them. However, ATMs at airports often come with high fees aimed at tourists, so it is better to exchange some money before your trip and avoid large withdrawals at the airport.
You can exchange money at banks, exchange offices ("mjenjačnica" in Croatian), and some airports. The Croatian National Bank's website provides daily exchange rates, but commercial banks and exchange offices may apply their own rates. Exchange rates fluctuate, so it is worth checking the rate before your trip.
It is recommended to use a combination of cash and card when travelling to Croatia. Cards are widely accepted, but some smaller, private accommodations only accept cash payments. It is also worth noting that card fraud has been reported in Croatia, so it is important to be vigilant when using ATMs.
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Frequently asked questions
Yes, Euros are accepted throughout Croatia, including Dubrovnik Airport.
The official currency in Croatia is the Euro.
Yes, many businesses in Croatia take different types of card payments, including debit and credit cards. However, some small businesses and private accommodations may only accept cash.
Yes, it is possible to exchange money at some airports in Croatia. However, the exchange rates at the airport may not be the best.
You can find the best exchange rates at banks or currency exchange operators.
