Currency & Payment

Since 1 January 2023, Croatia uses the euro (EUR, €), divided into 100 cents. The former currency, the kuna (HRK), has been withdrawn from circulation. Using the euro means many travellers from the eurozone no longer need to exchange money, and prices are shown in euros across the country.

Because Croatia now uses the euro, the need to exchange money has fallen sharply for eurozone visitors. If you arrive with a non-euro currency, exchange at banks or reputable exchange offices for fairer rates. Airport exchange desks tend to offer poorer rates, so avoid changing large sums there.

Visa and Mastercard are widely accepted in Croatia, and contactless payment is common in cities and tourist areas. On small islands, at markets and in some family-run places, cash may still be preferred, so carry a little as backup. If asked to pay in your home currency (dynamic currency conversion), choose to pay in euros for a better rate.

Mobile wallets such as Apple Pay and Google Pay are widely usable in Croatia wherever contactless card payments are accepted, which covers most shops, cafes and restaurants in cities and tourist areas. Set up your wallet before you travel and keep a physical card as backup for places that may not accept mobile payment.

Tipping in Croatia is customary but not obligatory. In restaurants, leaving around 10% (or rounding up the bill) is a common way to show appreciation for good service. Small tips for taxis, bar staff and hotel help are also appreciated. Check whether a service charge is already included before adding a tip.

Prices in Croatia vary a lot by season and location. Popular coastal destinations such as Dubrovnik can be expensive in summer, while inland towns and the off-season are generally cheaper. A simple coffee or local transport ticket is inexpensive, while dining and attractions in prime tourist spots cost more. Budget for higher prices in peak summer on the coast.

Visitors who live outside the EU can often claim a refund of value-added tax (called PDV in Croatia) on eligible goods bought to take home. Ask for a Tax Free form at participating shops when you buy, keep your receipts, and have your goods and documents validated (a customs stamp or electronic confirmation) when you leave the EU. A minimum purchase amount and other conditions apply.