Money & Payments in Dubrovnik (2026)

Currency: EUR

Updated July 2026 · Sources cited: dubrovnik-online.net, visitededubrovnik.com

Good to know

Good to Know

Use bank ATMs for clearer fees and better exchange rates; avoid standalone exchange-company ATMs, which often add high fees or force currency conversion
Carry a small amount of euros for convenience and rely on cards for everything else
Dubrovnik has one fee-free ATM located halfway between the bus station and the old town
American Express is not accepted in Croatia
Most major Croatian banks operate their own ATM networks in Dubrovnik; look for ATM machines at the airport, bus station, and main streets in Old Town
Croatian service workers do not depend on tips as they do get a full salary, and tips are only extra

Currency

EUR

ATM Services

Availability: In popular destinations such as Dubrovnik, you are rarely more than a short walk away from an ATM
Fee Structure: Most ATMs charge around 4-6 euro per withdrawal. Most banks in Croatia charge around 5 euros.
Recommended Banks: Use bank ATMs (OTP, PBZ, ZABA, HPB) for clearer fees and better exchange rates
Withdrawal Limits: Withdrawal limits are anywhere from €100 to €800 per transaction, but usually around €700

Important Tips

Always decline DCC - choosing euros almost always gives a better overall rate
Avoid standalone exchange-company ATMs, which often add high fees or force currency conversion
Kent Bank is a fee free ATM in Croatia; verified as of June 2025 with zero fees

Banks With Lower Fees

Kent Bank (fee-free)
ZABA
PBZ
OTP
HPB

Tipping Norms

Taxis: There is no rule in Croatia that you must tip cab drivers, but it will be greatly appreciated if you round up your fare
Cafes And Bars: For drinks at a bar or a quick coffee there is no need to calculate a large tip; rounding up or leaving a small amount is enough, but it is definitely not required
Payment Method: You'll need to carry cash for tips, as it's rarely possible to add it to the credit card bill. Since 2024, it has been possible to tip with a credit card in Croatia; you must ask the waiter to add the tip before they charge your card, and they will hand you the POS card terminal
General Guidance: There are no set rules for tipping anywhere in Croatia, including Dubrovnik
Gratuity Included: The bill will say Napojnica uračunata u cijenu if gratuity is already included; while it is not very common to include gratuity, it is important always to check

Restaurants

It is nice to either round up your restaurant bill or leave a 10% tip if you had great service
A 5-10% tip is appreciated when the experience was overwhelmingly positive
In casual restaurants and cafés, it is completely acceptable to simply round up the bill to the nearest Euro; many locals choose to do this rather than calculating a percentage

Tour Guides

A typical tip is 5-10% of the tour's total cost
For shared tours, a good guideline is to tip around 5 euros per person for a half-day tour and 10 euros per person for a full-day tour

Card Acceptance

Contactless Payments: Contactless payments are widely accepted in supermarkets, restaurants and most attractions in major cities
Notes: Credit and debit cards are widely accepted in Dubrovnik, though smaller businesses, market stalls, and certain local cafés may only accept cash. Some places add a surcharge for card payments, especially for smaller transactions.

Widely Accepted

Visa
Mastercard

Limited Acceptance

American Express (not widely accepted)

Banking

Timeline: Generally, you can open an account on the spot, where you will be provided with the bank details straight away, but depending on the bank and additional verification steps, it can take about 5 to 10 business days to complete the process.
Popular Banks: Major banks like Zagrebačka Banka and Erste Bank welcome international clients with English-speaking staff.
English Support: Banks such as Erste are very popular with expats thanks to their ease of use, very good mobile app, and good customer service. There are English language options on banking apps and on their websites.
Oib Requirement: To open a bank account in Croatia, you'll need an OIB (personal ID number); Once you've got your residence permit, you'll need what's known as an OIB to be able to work, open a bank account, and do just about anything.
Free Basic Account: As of 2026, all banks in Croatia are required to offer a free package of basic banking services to anyone receiving a regular income, such as a salary, pension, or scholarship. It is designed to cover only the standard necessities, and any extra services, like international transfers outside the eurozone or special investment accounts, may still come with fees.
Required Documents: Generally speaking, you'll need a valid passport, your residence permit (either your ID card or your registration certificate, if your card isn't yet finished) and the bank's application form to open a bank account as a foreign national.
Account Opening Ease: There are no restrictions on foreigners to open a bank account in Croatia.

AI-generated estimateData refreshed July 2026

Sources cited for this category

These are the sources cited in this money & payments research for this city. Individual figures may not each trace to one of them.

More About Dubrovnik

Data last updated July 2026 · Verify anything important.

Money & Payments in Dubrovnik