Money, cards and ATMs in Croatia

The euro, and the end of the kuna

• Croatia adopted the euro on 1 January 2023. Prices are in euros everywhere.
• Kuna coins expired on 31 December 2025. They cannot be exchanged anywhere, by anyone, any more. If you kept a handful from an old holiday, they are souvenirs.
• Kuna banknotes can still be exchanged, free of charge, with no deadline, but only at the Croatian National Bank in Zagreb, at the fixed rate of 7.53450 to the euro. No commercial bank will take them.
• Ignore any exchange office offering to buy kuna. They have no obligation to give you a fair rate for a dead currency.

Cards and cash

• Cards work in hotels, restaurants, supermarkets and most shops. Contactless is normal.
• Carry cash for small coastal businesses, konobas in villages, market stalls, parking machines and bus luggage fees.
• Bus drivers want cash for hold luggage.
• ATMs are everywhere. Use one attached to a bank rather than a standalone machine in a tourist street.
• Always decline conversion into your home currency. Choosing euros is always cheaper.

Prices to calibrate against

• Coffee: EUR 2 to EUR 3.50, more on the Dubrovnik waterfront.
• A half litre of beer: EUR 3.50 to EUR 5.
• A main course in a konoba: EUR 14 to EUR 25. Fresh fish is sold by the kilo, so ask the price before you agree.
• Fish priced per kilo is the classic bill shock. A whole sea bass can arrive at EUR 60. Ask what the fish weighs before it is cooked.
• Dubrovnik is markedly more expensive than the rest of the country, often by half again.

Tipping

• Round up or add about 10 percent in restaurants if you were happy.
• Coffee and drinks: leave the small change.
• Taxis: round up.
• Service is not included and there is no obligation, but tipping is normal in tourist areas.