With energy prices rising, switch to a cheaper plan
Compare Prices Now

Travel Money Guide: Croatia

Learn how to access your cash and exchange money like a pro on your holiday to Croatia.

We’re reader-supported and may be paid when you visit links to partner sites. We don’t compare all products in the market, but we’re working on it!

Sip cocktails at a seaside bar while watching the sun set over the Adriatic without worrying about how you're going to pay for it all. Compare your travel money options for Croatia to get the best product for your upcoming trip, be it a no-fee credit card, debit card offering rebates or cold hard cash.

Our top tip? Although Croatia is now part of the European Union, the currency remains the kuna so be prepared to withdraw cash from an ATM or exchange your foreign currency once you're there.

Compare your travel money options for Croatia

There are easy ways to bring money to Croatia including credit cards with no foreign transaction fees, debit cards that give you rebates on ATM fees and pre-paid travel money cards that don't connect directly to your everyday bank account for added security.

1 - 1 of 1
Name Product Foreign currency conversion fee Interest-free period Purchase rate p.a. Annual fee
Bankwest Breeze Platinum Mastercard
Up to 55 days on purchases
0% for 15 months, reverts to 9.9%
$0 for the first year ($69 thereafter)
Get 0% interest on purchases and balance transfers for 15 months, a $0 first-year annual fee and no foreign transaction fees.

Compare up to 4 providers

1 - 3 of 3
Name Product Card access ATM Withdrawal Fee Monthly Account Fee Internatonal ATM Fee Foreign transaction fee
HSBC Everyday Global Account
Earn 2% cashback on tap and pay purchases. T&Cs apply.
Enjoy no minimum ongoing balance or transaction requirements and the flexibility to hold up to 10 currencies. Apple Pay and Google Pay available.

Westpac Choice
Take advantage of Westpac's Global Alliance and save on overseas ATM fees at over 50,000 locations worldwide with fee-free cash withdrawals.
Citi Global Currency Account
Earn up to 1.2% p.a. interest on your AUD balance.
$0 monthly account fee.
Enjoy one linked debit card to hold up to 10 currencies and receive foreign currencies for free.

Compare up to 4 providers

1 - 1 of 1
Name Product Available Currencies ATM Withdrawal Fee Initial Load Fee Reload fee
7-Eleven Just Go Pre-Paid Travel Card
EUR €0, GBP £0, AUD $0, USD $0, NZD $0

Compare up to 4 providers

1 - 1 of 1
Name Product Minimum Order Amount Maximum Order Amount Delivery/Pickup Method Commission Fee
Foreign Xchange Travel Money
In Store,Home Delivery
Order multiple currencies in one transaction and have it delivered directly to your door anywhere in Australia. No delivery fee for orders over $1,000. A $10 flat fee applies to orders less than $1,000.

Compare up to 4 providers

Should I bring a travel card, a debit card or a credit card to Croatia?

You should have little trouble with Visa and Mastercard acceptance in Croatia. American Express is accepted in fewer places than Diner 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 optionProsConsiderations
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
  • Save on overseas ATM fee when you withdraw
  • $0 account keeping fees if you deposit at least $2,000 per month
  • Unlimited free withdrawals at selected banks
  • 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
  • No travel card allows you to pre-load Kuna
  • 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)
  • 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 no travel cards on the Australian market which allow you to load, withdraw or spend Kuna. So while your travel card loaded with a major international currency such as euros, pounds sterling or Australian dollars will be accepted in Croatia, currency conversion fees apply (there are a few travel cards which don’t charge for currency conversion). If you’re stuck on a travel card, try to find the following:

  • Travel cards which don’t charge for currency conversion charge international ATM withdrawal fees
  • Travel cards which give you free international ATM withdrawals charge more than usual for currency conversion

Using debit cards

Travel debit cards allow you to conveniently and securely access your own money in Croatia, minus the extra fees. The Citibank Plus Transaction Account is the leading travel debit account: pay nothing for currency conversion and pay no international ATM fees (local ATM operator fees are unavoidable in Croatia). The Bankwest Qantas Transaction Account is another option. Citibank and Bankwest are the two providers which won’t charge international ATM fees (AUD$5 per ATM withdrawal).

  • Tip: When you’re making a purchase over the counter with your card, if you’re asked whether you want to pay in Aussie dollars 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 Australia — 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%. Bankwest are worth mentioning: Bankwest Platinum credit cards don’t charge for currency conversion.

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.

Compare credit cards with low cash advance rates here

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, easily found all over Croatia. Croatian ATMs use the 4 digit PIN and chip system so all Australian 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 Eurozone. 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.

Why you’ll need a combination of travel money options for Croatia

Travel cards don’t support Croatian kuna, the cards which don’t charge for currency conversion will make up the fee by charging an international ATM withdrawal fee. Note that there are debit cards and credit cards which waive both the currency conversion and international ATM fees. A combination of these products will ensure you have the right card to use for the right transaction as well as access to cash in case one card is stolen or lost.

Since the time of the Roman Empire, the glittering stretch of coastline and smattering of islands in the Adriatic sea have attracted travellers, investors and conquerors alike, all eager to experience this magical part of the mediterranean. Make the most of your trip in Croatia and organise your finances before you go. Compare the travel money products available to you to decide on the best way to take and spend money in Croatia.

Exchange rate history

YearAverage annual exchange Australian Dollar (AUD) to Croatian Kuna (HRK)

*Exchange rates are accurate as of 1 January of each year listed above.

Today's exchange rate AUD to HRK

Getting familiar with Croatian Kuna banknotes

Back to top

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 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 costsMidrangeA royal experience
bldgOne night
Dorm: AUD$29
Campsite: AUD$8.00
One night
Hotel - AUD$120 p.p.
One night
4 Star Hotel - Double AUD$170
utensilBasic meal at a small restaurant
Meal at a midrange restaurant
Fine dining
AUD$60 p.p.
cameraWalk around the city
It’s free
A local city bike tour
AUD$35 p.p.
Private sailing trip
AUD$200 p.p.

*Prices are approximate and subject to change.

Back to top

More guides on Finder

Ask an Expert

You are about to post a question on finder.com.au:

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • finder.com.au is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Finder only provides general advice and factual information, so consider your own circumstances, or seek advice before you decide to act on our content. By submitting a question, you're accepting our Terms of Use, Disclaimer & Privacy Policy and Privacy & Cookies Policy.
Go to site