Croatian currency is KUNA, and it is a legal payment method in Croatia. Croatia is a part of the EU, but the Euro isn’t the official currency in Croatia. Kunas can be easily obtained at exchange offices, bank counters or hotel receptions. However, the exchange rate may vary slightly. In Croatia you will generally get a better exchange rate then at banks in your country.
ATMs, or ‘bankomats’, are readily accessible in most parts of Croatia, especially tourist centres. Most ATMs have the option to transact in English and will accept international cards. ATMs can be found in town centres, supermarkets, airports, posts offices, train stations and banks. Note that you need a four-digit pin to operate an ATM in Croatia.
Credit cards are widely, though not universally accepted. Visa, Mastercard and Diners are accepted the most frequently; American Express is accepted less frequently. All stores and hotels accept credit cards and they are increasingly accepted in restaurants as well–at least the larger ones. If you’re dining at a small family inn or konoba off the tourist path you should bring cash just in case.
Owners of private rooms and apartments in Croatia never accept credit cards. If you arrange a room or apartment when you step off your boat or bus, make sure you get to an ATM in order to pay your landlady.