Wise Best exchange rate
Wise debit card
45k0.43%-0.65% conversion fee
The best travel card for Croatia
Cards, cash and FX fees for Australian travellers.
Cards, cash and FX fees for Australian travellers. Croatia adopted the euro on 1 January 2023 - the kuna is gone. Around €0.61 to the dollar.
Mostly - cards work in cities and tourist areas in Croatia, but you still need cash outside them.
5 travel card options for Croatia, compared
Revolut No weekday FX fee
Revolut Standard
30k0% FX fee
Compare only
ING Orange Everyday
Orange Everyday
22k0% with monthly criteria
ubank Spend
Spend account
9k0% international fee
Macquarie Transaction Account
Transaction account
6k0% international fee
Prices are indicative, shown in AUD and refreshed from provider APIs where available. Always confirm the final price on the provider's site - it is the price that applies. We may earn a commission if you buy through our links, which never changes what you pay. Partners are listed before providers who pay us nothing, as our terms set out; sorting by price ignores all of that and orders on the number alone. How we make money.
Compared side by side
| Card | FX fee | ATM | Annual fee |
|---|---|---|---|
| Wise Partner | 0.43%-0.65% conversion fee | 2 free withdrawals/month up to $350, then 1.75% | $0 |
| Revolut | 0% on weekdays, up to 1% on weekends | $350/month fee-free, then 2% | $0 |
| ING Orange Everyday | Rebated if you meet the monthly criteria | International ATM fees rebated with criteria met | $0 |
| ubank Spend | 0% international transaction fee | $0 from ubank, ATM operator fees may apply | $0 |
| Macquarie Transaction Account | 0% foreign transaction fee | $0 from Macquarie | $0 |
Paying for things in Croatia
Can you pay by card in Croatia?
Good in cities and on the coast. Small konobas, island markets and some ferry ticket offices prefer cash.
Cash and ATMs in Croatia
Use bank ATMs (Zagrebacka, PBZ, Erste). Euronet machines are common in tourist areas and charge heavily.
Carry €60-€100, particularly for island travel.
Do you tip in Croatia?
Round up or leave 10% for good service in a restaurant. Not expected in bars or cafes.
Worth knowing about paying in Croatia
Always decline the offer to be billed in Australian dollars.
Before you pay for anything in Croatia
Pay in Euro or Australian dollars?
The terminal will offer you both. One of them is materially more expensive.
How much cash to take overseas
What Croatia needs in cash, next to 35 other destinations.
How to avoid ATM fees overseas
Three fees stack on a withdrawal. Two of them are avoidable outright.
What one Australian dollar buys in Croatia
€0.62 EUR per AUD
Last recorded rate
These are mid-market rates - the rate banks trade at, published by the European Central Bank. It is not what you will be offered. Expect a card or exchange service to take 0.5% to 5% off it, which is exactly what our travel money comparison is for. Past movement doesn't predict future rates, and none of this is financial advice.
View the numbers as a table
More Croatia essentials
Croatia visa and entry rules
Passport, visa, arrival cards and customs rules for Australian passport holders.
Flights to Croatia
Search fares from Australia, then sort the rest of the trip.
Croatia eSIM plans
Instant data, no physical SIM required.
Croatia travel insurance
Medical, cancellation and luggage cover for Australian travellers.
Croatia airport transfers
Trains, buses, private transfers and taxis compared.
Driving in Croatia
International Driving Permit rules and car hire for Australians.
Croatia travel essentials
Adapters, plugs, tap water, tipping and health basics.
Things to do in Croatia
Attractions, tours and passes worth booking ahead.
Further reading: Travel money for Australians: cards, cash and the fees nobody mentions
How these comparisons are made
Cards are compared on the three fees that actually cost travellers money - the FX margin, ATM fees and account fees - using each issuer's published rates. Jamie has personally spent on travel cards recommended here while overseas. Cash-versus-card guidance is researched per destination rather than copied between pages, because a card strategy that works in Stockholm fails in Osaka. Read the full editorial policy.
Planning Croatia?
We will send you the Croatia guide as it grows - what to book before you go, which eSIM and travel card are worth it there, and what things actually cost in Australian dollars.