Croatia, a gem on the Adriatic coast, is a tapestry of historic cities, crystal-clear waters, and idyllic islands. From the ancient walls of Dubrovnik to the Roman ruins of Split, and from the sun-drenched beaches of Hvar to the cascading waterfalls of Plitvice Lakes, Croatia offers a rich cultural and natural heritage. To navigate this beautiful country with ease, familiarizing yourself with the local currency and cash, cash and ATMs in Croatia and and payment methods is essential. This guide will provide you with the financial knowledge needed to explore Croatia’s wonders with confidence, ensuring a journey filled with unforgettable memories.
You may also enjoy reading Ultimate guide on how to travel on a budget in 2025.
Where can I find ATMs in Croatia?
With over 4,000 ATMs in Croatia, it’s generally easy to withdraw cash in cities and town centers. However, ATMs are not as prevalent on islands or in remote places. You’ll usually find them at major airports, central markets, and main tourist streets.
You can find ATMs at:
- major transport hubs, central markets, busy tourist streets, malls, and near banks.,
- Central Markets,
- Busy tourist streets,
- Malls,
- Near Banks.
It will be difficult to find ATMs in:
- Small airports on islands,
- Bus stops in the area,
- The villages’ interiors,
- Hidden away in small towns, away from the hustle and bustle of the main streets,
- Remote resorts and retreats.
Best ATMs to use in Croatia for foreigners
The best ATMs for foreigners to use in Croatia are those owned by popular banks such as:
Kent Bank,
Raiffeisen,
Agram Banka,
Istarska Creditna,
Erste Bank, and
PBZ.
There are other banks with ATMs that also accept international debit and credit cards, albeit with much higher fees.
Global ATM alliance: Global ATM Alliance is a partnership among many banks in the world to allow its customers to withdraw cash from all partner banks abroad without any ATM fee. Many banks in the US, UK, Europe, Australia, and Latin America are part of the Global ATM Alliance, including Bank of America, Barclays, Deutsche Bank, and others. BUT, there is no local bank in Croatia part of this network. So don’t rely on this.
Don’t accept conversion at ATMs and withdraw only in local currency
In Croatia, some ATMs may ask – Accept OR Decline Conversion (also known as With or Without Conversion, or Charge in EUR).
- If you ‘Accept’ – ATM converts your money at ATM’s set exchange rate and you pay an extra % fee to the ATM for currency conversion also.
- If you ‘Decline’ – ATM will convert at exchange rate of the bank/card logo (Visa, Master, etc.).
So, to avoid extra fees while withdrawing cash in Croatia, select ‘Decline/Without’ Conversion or ‘Charge in EUR’.
If you’d like to understand more, read ATM fees abroad: Charges to use cards at foreign ATMs explained.
Can I use a foreign debit or credit card at an ATM in Croatia?
Yes, many types of foreign cards are easily accepted at ATMs in Croatia.
For a detailed guide, read Money and Currency in Croatia.
What are the ATM opening hours?
ATMs are open 24 hours a day, seven days a week, in most cases. While standalone ATMs can be accessed at any hour, those inside banks typically open from 9 am to 3 pm.
What do they call ATMs in Croatia?
Words ATM or bankomat are widely used or signage has bank name without the word ATM
PIN type
ATMs in Croatia primarily accept 4-digit PINs. Some ATMs may accept longer PINs, but 4 digits are standard.
Languages at ATMs in Croatia
ATMs in Croatia default to Croatian and English, with some machines also providing French, German, and Spanish. Unclear on the language? Google Translate’s live camera function can be your ally, just remember to double-check for accuracy.
If you’re not familiar with these languages, that’s totally fine. Try out Google Translate’s camera feature to instantly translate the text on your phone! Just a heads up – these translations might not always be 100% accurate, so it’s best to take your time and not rush through the transaction.”
Do ATMs in Croatia work similarly as other countries?
Croatia’s ATMs won’t feel foreign to travelers, with a modern design consistent with international norms. Just remember that some ATMs might capture your card for the transaction’s duration – make sure to reclaim it.
Join the discussion, read and share cash related travel experiences on ATM Fee Saver’s Community Travel Forum at Money & Travel in Europe.
What currencies can I withdraw from ATMs in Croatia?
ATMs in Croatia dispense only the official currency Euro (EUR).
ATM withdrawal limits in Croatia?
Majority of the ATMs in Croatia have a maximum withdrawal limit per transaction of as much as the card’s limit. Some ATMs allow to withdraw € 100 to € 800 per transaction.
ATM Fees in Croatia?
There is only one fee-free ATM in Croatia. Majority of the ATMs charge between € 3.95 to € 5.49 per transaction as ATM Fees to foreign cardholders. So, there are limited fee-free options in Croatia for a foreign cardholder.
Apart from ATM Access Fees, there can be other potential charges to withdraw cash in Croatia – something every traveller handling cash in Croatia should be aware of. These are:
- Currency Conversion Fees (Accept or Decline Conversion)
- Your Bank’s currency conversion fee – Some banks charge the card holder a fee to use the card abroad. Cross check with your bank on what the charges are.
How to avoid high fees when withdrawing cash in Croatia?
- Use the fee-free or lower fee ATMs in the country.
- Use the ATM Fee Saver app to find fee-free or low-fee ATMs.
- Opt for “Decline Conversion” or “Without Conversion” during ATM transactions.
- Consider getting a fee-free travel card from your home country.
- Get one Visa and one Mastercard fee-free cards as some ATMs abroad accept only Visa and some only Mastercard.
- Avoid using ATMs at the airports, sometimes they have higher fees.
For a detailed guide, read Withdrawing cash abroad? 9 best ways to save foreign ATM fees.
Ways to find fee-free ATMs in Croatia?
Discover fee-free and low-fee ATMs on the ATM Fee Saver mobile app for iOS and Android. This app provides ATM PINs and details of leading bank ATMs such as ATM fees and withdrawal limits for foreign cardholders at ATMs in Croatia. Moreover, its simple fee calculator helps you determine exact withdrawal charges. You can also find cash tips and tricks on the app for 160+ countries including Croatia.
Download now from the App Store or Play Store.
Download ATM Fee Saver now.
Is it safe to use Croatia ATMs?
ATMs in Croatia are usually equipped with cameras and guards, and the crime rate is low. However, be cautious of pickpocketing and cover the PIN pad when using ATMs.
To be safe, use precautions such as:
- Use the ATMs located inside bank branches instead of standalone ones.
- Avoid using ATMs on empty streets or late at night.
- Keep your card visible at all times.
- Cover the PIN pad with the palm of your hand to avoid revealing your PIN to hidden cameras.
- If you find any suspicious devices attached around the keypad area of the ATM, do not use the ATM.
- Be aware of your surroundings, if you see suspicious people, move away.
- Keep two or more cards as backup.
- If also using your mobile phone for the transaction, avoid using public Wi-Fi. Use VPN for extra protection.
FAQs
What to do if an ATM takes your card?
If an ATM in Croatia takes your card, contact the bank (if you used an ATM inside a bank branch), they may retreive your card if you have proof of identity. You can also contact the bank’s helpline but they usually retreive and resend new cards only for their own customers. If so, you’ll need to contact your own bank and ask them to deliver a new card at home or abroad.
Fee-free ATMs and possible to withdraw cash free of cost at ATMs here?
Yes, it is possible. There is only one fee-free ATM in Croatia. Majority of the ATMs charge between € 3.95 to € 5.49 per transaction as ATM Fees to foreign cardholders. So, there are limited fee-free options in Croatia for a foreign cardholder.
Foreign cards from US, UK, India, China, Europe, Australia accepted at ATMs in Croatia?
Yes. You can usually use cards from the US, UK, Europe, Australia, and other countries at ATMs in Croatia
Bitcoin ATMs?
Yes, there are about 10 Bitcoin ATMs in Croatia.
Foreign bank ATMs’ in Croatia
Bank of America: None.
Citibank: None.
Barclays: None.
HSBC: None.
Standard Chartered: None.
