ATM Fees in Croatia
Euro (EUR) β’ Updated April 2026
Croatia adopted the Euro in 2023. Cards are widely accepted throughout the country. ATMs are common. Prices have risen significantly since joining the Eurozone.
Tips for Croatia
- β’ Euro is the official currency since January 2023
- β’ Cards widely accepted, even at small businesses
- β’ Tipping 10% is appreciated at restaurants
- β’ Avoid Euronet ATMs (often in shop fronts) - they charge very high fees and use poor exchange rates. Stick to bank ATMs (OTP, PBZ, Erste)
- β’ Contactless payments common
Airport tips
- β’ Zagreb, Split, and Dubrovnik airports have multiple ATMs
- β’ No currency exchange needed if coming from Eurozone
- β’ Airport services fully accept cards
Don't forget your home bank fees
The fees shown above are charged by local ATMs. Your home bank may also charge additional fees for international withdrawals (typically 1-3% + a flat fee). Check with your bank before traveling.
Estimated daily expenses
How much cash you might need per day in Croatia, per person.
Backpacker
Hostels, street food, public transport
EUR/day
β $75.86-134 USD
Mid-range
Hotels, restaurants, mix of transport
EUR/day
β $175-327 USD
Luxury
Premium hotels, fine dining, private transport
EUR/day
β $426-875 USD
Cash vs card acceptance
Where you'll need cash and where cards work in Croatia.
Credit card acceptance
ExcellentCards widely accepted. Cash useful for small purchases and markets.
You'll need cash for
- β’ Small kiosks
- β’ Beach vendors
- β’ Some markets
- β’ Tips
Cards usually accepted
- β’ Hotels
- β’ Restaurants
- β’ Shops
- β’ Supermarkets
- β’ Public transport (often)
- β’ Tourist attractions
π° Cheapest banks for foreign cards
These banks charge the lowest fees for withdrawals with foreign cards.
| Bank | ATM Fee | Est. Cost | Branches | |||
|---|---|---|---|---|---|---|
| OTP banka | β¬3-4 | 0% | Visa/MC rate | β¬3-4 | 150 | Largest Croatian bank (formerly ZagrebaΔka) |
| PBZ | β¬3-4 | 0% | Visa/MC rate | β¬3-4 | 130 | Part of Intesa Sanpaolo |
| Erste Bank | β¬3-4 | 0% | Visa/MC rate | β¬3-4 | 100 | Austrian bank presence |
| Euronet ATMs | β¬5-8+ | Variable | Very poor | β¬8-15+ | 200 | β οΈ AVOID - very high fees and poor rates |
π Most widely available ATMs
Sorted by number of ATM locations. More branches means easier access, but fees may be higher.
| Bank | ATM Fee | Est. Cost | Branches | |||
|---|---|---|---|---|---|---|
| OTP banka | β¬3-4 | 0% | Visa/MC rate | β¬3-4 | 150 | Nationwide |
| PBZ | β¬3-4 | 0% | Visa/MC rate | β¬3-4 | 130 | All major cities |
| Erste Bank | β¬3-4 | 0% | Visa/MC rate | β¬3-4 | 100 | Good coverage |
π ATM Alliance Benefits: If you bank with a member of these alliances, you may get reduced or waived ATM fees in Croatia:
View all ATM alliances β