Is Croatia cashless?
Mostly cashless#48 of 197 in The Cashlessy Index 2026 · #29 of 45 in Europe
Short answer: Pay by card in most places, but carry some euros for tips, island kiosks and private apartments.
Cards are accepted in most hotels, restaurants and shops along the coast. Private apartment rentals, island kiosks and small konobas sometimes want cash.
Will my card work?
Mostly. Visa and Mastercard are widely accepted in Croatia, though some small businesses are cash only.
Do I need cash?
A little. Cards cover most spending in Croatia, but carry some cash for small places.
Local currency: Euro (EUR)
How does tipping work?
Round up or leave 10% for good service. Card terminals rarely have a tip option, so tip in cash.
Mobile payments
Local apps often need a local bank account or phone number.
Getting cash: ATMs
Some ATMs are fee-free
Most bank ATMs, including Raiffeisen, PBZ, Erste and Addiko, charge foreign cards.
Fee-free options
- Kent Bank (reported free)
Your own bank may charge extra. When an ATM offers to convert to your home currency, decline and pay in the local currency.
Frequently asked questions
Is Croatia cashless?
Croatia scores 74/100 on Cashlessy (mostly cashless), ranking #48 of 197 countries. Cards are accepted in most hotels, restaurants and shops along the coast. Private apartment rentals, island kiosks and small konobas sometimes want cash.
Do I need cash in Croatia?
A little. Cards cover most spending in Croatia, but carry some cash for small places.
Are credit cards accepted in Croatia?
Mostly. Visa and Mastercard are widely accepted in Croatia, though some small businesses are cash only.
Do you tip in Croatia?
Round up or leave 10% for good service. Card terminals rarely have a tip option, so tip in cash.
Can I use Apple Pay or Google Pay in Croatia?
Yes. Phone wallets work at most terminals that accept contactless cards in Croatia.
Which ATMs are free in Croatia?
Most bank ATMs, including Raiffeisen, PBZ, Erste and Addiko, charge foreign cards. Best options: Kent Bank (reported free).
Compare with Europe
Sources
Checked against sources in September 2026. Payment habits change quickly; see how we score.