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.

  • 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, 2013 at 8:39
  • I was recently in Dubrovnik, and the informal exchange rates were actually reasonably fair, however a bit less so for very small purchases. My recommendation would be to pay for as many things as you can with kuna, but it might be preferable at the end of your stay to run out of kuna and fall back to euros for the last few small purchases.
    – Moriarty
    Nov 9, 2015 at 13:59

4 Answers 4


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.

  • 5
    You will also have to consider that you will most likely have bad exchange rates
    – Matteo
    Jan 30, 2015 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.

  • 3
    Do you have a reference for people needing permission to accept foreign currency?
    – Gagravarr
    Sep 27, 2013 at 10:50
  • People working in bars told me so. Sep 27, 2013 at 11:59
  • 1
    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. Sep 27, 2013 at 12:03
  • 1
    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, 2014 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, 2015 at 20:22

I am currently travelling in Croatia, and have been for about two weeks. My experience has been that everyone accepts kuna, and some establishments also accept euro. The kuna is effectively pegged to the euro, so exchange rates have been consistent.

In the beginning of my travels here, I needed to buy a bus ticket to the airport, and the woman behind the counter did not accept euros. Luckily there was an ATM nearby, but she seemed to (understandably) feel annoyed that I hadn't bothered to use the country's currency.


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.

You must log in to answer this question.

Not the answer you're looking for? Browse other questions tagged .