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For a few days trip in Croatia, can I avoid changing euros into the local currency Kuna?

Can I live comfortably (hotels, restaurants, train) directly using euro only?

Itinerary: Zagreb, Split, Dubrovnik.

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There are plenty of ATMs about, as long as you have a sensible card for use overseas you shouldn't have any issue withdrawing a little bit to use –  Gagravarr Sep 27 '13 at 8:39

3 Answers 3

up vote 11 down vote accepted

Croatia joined the EU on the 1st of July 2013 but still didn't adopt the Euro as currency.

I googled a bit and I found out an interesting site about the currency used in Croatia.

From this site:

You will find that you can pay for some items - accommodation, taxis, some restaurants - in Euros. Do note that this is entirely on an unofficial basis; the Euro is NOT an official currency in Croatia and NO business/individual is required to accept them as payment. (It is just the case that some businesses, particularly small/family-run ones are happy to receive Euros - this probably harks back to the days of Yugoslavia when people were happier "holding" Deutschmarks rather than the unstable Yugoslav Dinar.)

So, it seems that Euros are accepted in certain cases but you should be prepared to pay in Kuna as well.

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You will also have to consider that you will most likely have bad exchange rates –  Matteo Jan 30 at 8:19

Officially: NO, because you have to be allowed to convert foreign currency first, if you want to be able to accept one. Often you may find people kindly rejecting Euro and they will explain that they would like to accept it, but it would be against the law.

However, as noted above, some individuals might accept it, as they know nobody will prosecute them.

So just for your understanding, you won't be able to buy anything with Euro in any big shops or government businesses, like public transport etc. You may be able to pay in SOME restaurants, thought.

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Do you have a reference for people needing permission to accept foreign currency? –  Gagravarr Sep 27 '13 at 10:50
People working in bars told me so. –  spakendralo man Sep 27 '13 at 11:59
Here you go. See if you can get this page translated link. So you can only pay in Euro if the money changer is unavailable. Money changing is, as in any other country, an authorized activity. Money changers and bigger hotels are authorized. –  spakendralo man Sep 27 '13 at 12:03
well in reality accepting EUR for Croatian business can be risky since there are fines for accepting EUR in currency, even if there is no changer available. Basically business to accept EUR as payment in Croatian territory should have changer licence. Stating no one will prosecute them is false too since all bills are reported to Tax office at moment of issuing. –  danijelc Feb 7 '14 at 16:57
@danijelc the report of the transaction to the tax office will not necessarily implicate the merchant, who can report in kuna, and even pay from his own pocket into the business's cash drawer in kuna while pocketing the euros. –  phoog Jul 20 at 20:22

My experience is that Euros are coveted there, so in general, nearly all stores and restaurants eagerly take them except government/official stores, like museums. Public transport (buses/ferries) will not take Euros. Of course, the exchange rate you will get from a store or restaurant will be much worse than what you would get at a cambio or bank.

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