MoneyLocal currency is Kuna (HRK), it has 100 Lipa. The import and export of HRK is limited to 2000 HRK. Currencies can be exchanged in banks, exchange offices (Mjenjačnica), hotels and most travel agencies. Exchange rates are published in the daily press and by banks that display them in visible places. You can see it also on our website. Banks work from 8 a.m. till 7 p.m. Monday to Friday, 8 a.m. till noon on Saturdays. All banks are closed on Sunday and public holidays. Cash machines, though seldom found outside the major towns and resorts, are operative 24 hours a day and are all over Croatia. Of course, they spit out kunas instead of dollars or euros. So you will be asked how much you want to withdraw in kunas. See our exchange rate for info how much to withdraw. You can use most credit or debit cards. To be on the safe side, you might carry some dollar or euro bills with you which you can exchange in many places. Standard credit cards like Eurocard/Mastercard, Diners, American Express and Visa are widely accepted in Croatia. All shops, restaurants, agencies, hotels and other services usually have logo stickers on the door or other visible place for you to be sure which credit cards they accept. You can take cash advance on Eurocard/Mastercard and Diners in most post offices. Banks and moneychangers as well as some hotels accept travellers' checks. Usually a 2 % commission is charged for cashing a traveller's check.A tip is not included in the price of meals or drinks. If the tip is earned it should be about 10 per cent of the bill.Tourists who purchase goods for over 500 kn may claim a tax return when leaving the country with verified "Tax Cheque" receipts through the Croatian Customs Service. A tax refund can be obtained within one year. The equivalent of VAT - PDV - is 22% in Croatia.
Further reading:Croatian National Bank