Croatia Currency Exchange Guide

Nestled on the eastern coast of the Adriatic Sea lies a destination that has captured the hearts and imaginations of travellers for centuries, Croatia boasts an allure that is both timeless and irresistible. Whether you long to explore ancient Roman ruins, go island hopping in the crystal-clear waters of the Dalmatian coast, or simply bask in the warmth of the Mediterranean sun, Croatia has something for everyone. Come, visit Croatia and experience its unique blend of history, culture, and natural beauty firsthand.

General Croatian Currency Information

What is the currency of Croatia?

The official currency of Croatia is the Euro (EUR).

What do Croatian notes & coins look like?

Croatia euro money

For those curious about the appearance of Croatian euro notes, there are two equally valid series currently in circulation. The first series includes seven different denominations ranging from €5 to €500, while the second series, also known as the Europa series, includes the same denominations except for the €500 note. Both series feature unique colours and architectural motifs for each denomination, with the second series showcasing a portrait of Europa, a figure from Greek mythology. 

Croatia euro coin

As for Croatia’s euro coins, the designs represent its rich cultural heritage and scientific achievements. The obverse side of the coins features stylised letters in the Glagolitic script, an ancient alphabet used in parts of Croatia, while the reverse side showcases the silhouette portrait of Nikola Tesla, a famous inventor and scientist born in modern-day Croatia. The €1 coin has a stunning design of a marten, a protected animal species that are native to Croatia. The €2 coin showcases the silhouette map of the country, providing a clear representation of the Croatian territory. This impressive and distinctive set of coins is surely an embodiment of Croatian pride and cultural identity.

Economy

The economy of Croatia stands tall as a high-income, service-centric social market economy, with the tertiary sector accounting for a substantial 70% share of the total Gross Domestic Product (GDP) generated. Croatia’s economy has a fully-integrated and globalized structure, with its road to globalization beginning soon after gaining independence, with tourism ranking as one of its core industries dependent on the global market.

Croatia has commendable credentials as it joined the World Trade Organization in 2000, NATO in 2009, and became a member of the European Union in 2013. The country went a step further and joined the Eurozone and Schengen Area on 1 January 2023, lifting its status to that of an advanced economy or developed country, a classification given by the International Monetary Fund (IMF) to well-developed industrial nations whose GDP (nominal) per capita is above $20,000, which encompasses all Eurozone members.

The country’s vision is further augmented as it is negotiating membership in the OECD organization, which they hope to join in 2025. In the coming years, Croatia is set to integrate more into the EU structures, including participation in ESA and CERN, as well as joining the EEA, a move that is expected over the next 24 months. All this paves the way for the country’s bright economic future, allowing it to retain its position as a star player within the region.

Brief currency history

In the early days of commerce in Croatia, replicas of Byzantine coins were used as currency before the country started minting its own. The first Croatian coins were minted during the reign of King Dmitar Zvonimir in the 11th century. These coins were also used in Hungary and other parts of Europe due to Croatia’s close ties with the Hungarian Kingdom.

During the middle ages, the use of currency in Croatia was further advanced during the Arpad dynasty. At that time, Hungary had a strong influence over the country, and Hungarian coins continued to be widely used in Croatia. This continued until conflicts with the Ottoman Empire arose in the 16th century, which led to the introduction of assignats as a form of currency.

After the fall of the Ottoman Empire, the Austrian Empire took control of Croatia. As a result, banknotes and coins were introduced into the country’s economy. The dinar was eventually replaced by the Croatian kuna banknotes in 1994, which became the country’s official currency.

Croatia’s intention to join the European Union saw it take aggressive steps towards replacing the kuna with the euro. This led to Croatia officially adopting the euro as its currency on January 1st, 2023, after almost 30 years of using the kuna.

The evolution of currency in Croatia has had significant impacts on modern-day business practices in the country. The use of replicas of Byzantine coins and assignats may no longer be a part of the country’s current monetary practices, but they have had a lasting impact on the country’s economic landscape. Today, with the adoption of the euro as new Croatian money, businesses in Croatia can operate with the same currency as many other countries in Europe, making trading and commerce that much more efficient.

Taking Travel Money to Croatia 

travel Croatia

What currency should I take to Croatia?

If you’re travelling to Croatia, you’ll need to exchange your Australian dollar (AUD) for Euro (EUR).

Is it better to convert currency in Australia or Croatia?

For currency conversion between Australia and Croatia, it is more convenient to do so in Australia. By obtaining Euros for your Australian dollars in Australia, you can have a clear idea of your travel funds available right from the start, which helps you to confidently plan your expenses. Also, by converting your currency beforehand, you can avoid searching for an exchange in Croatia, allowing you to begin your adventure as soon as you arrive.

How much money can I take to Croatia?

Individuals who are travelling into or out of the EU and possess cash amounting to or exceeding EUR 10,000.00 or its equivalent in any other currency, whether in their baggage, transport means, or in person, are required to declare it to the customs officer stationed at the border customs office.

Where to convert currency?

Looking for trustworthy and proficient currency exchange services? Crown Currency Exchange is your go-to choice. With 20 years of experience, we are a renowned foreign exchange company that provides top-notch exchange rates across our 50 stores spread across Australia. Plus, we don’t have any undisclosed fees or commissions, giving our customers a hassle-free and transparent experience.

Is tipping customary in Croatia? How much is expected?

Tipping is considered a customary practice in Croatian culture. While not obligatory, gratuities for local staff are always well-received.

Cafes, Bars, and Restaurants: When dining at local restaurants in Croatia, it is customary to leave a tip of approximately 10% on top of the bill, similar to the European standard. For cafes and bars where informal service is provided, rounding up the bill or adding 3-5% is appropriate, based on individual preference. Adding a little extra is always a kind gesture if the service exceeds expectations.

Hotel Staff: Although not mandatory, tipping hotel staff is acceptable, especially for porters and maid services. A modest amount of around 20 Kuna (equivalent to approximately £2 or $3) is a respectable amount.

Guides & Drivers: Croatian tour guides are reputed for providing excellent service, making it relevant to consider leaving a tip. A private guide can expect a tip of $20-30 per day of service, and for a shared group tour, the norm is for each member to contribute approximately $5-10 as a token of appreciation. Of course, guests are free to adjust the amount upward or downward based on their level of satisfaction.

Taxis and Private Drivers: While tipping is typically not customary for taxi services in Croatia, taxi fares are generally rounded up to the nearest few Kuna to make transactions more convenient. With private drivers, such as those that offer airport transfers, tipping around $10-15 for every day of service is acceptable.

What is ATM access like in Croatia?

ATMs can be found nearly everywhere in Croatia, except for the most remote and smallest islands. They are located in various places like banks, transportation hubs, restaurants, and nearby grocery stores. Essentially, ATMs are easily accessible from wherever you are, just a short distance away.

What should you budget per day?

Budget

If you’re on a backpacking budget, allocating €36 per day should suffice. This amount takes into account your accommodation expenses in a hostel dorm, homemade meals rather than eating out, and free activities you can enjoy like hiking or a walking tour. Additionally, travelling via local transportation can save you significant funds. However, if you plan on visiting during the peak season or intend on drinking, you may need to add some extra savings to your daily expenditure. 

Moderate

For a moderate budget of around €106 HRK per day, you can have a comfortable and enjoyable experience. This budget would allow you to take advantage of private Airbnb or hostel accommodations, sample the local food scene for all your meals, have a few drinks, and take a number of guided tours to explore the local culture. Additionally, this budget would give you the flexibility to take an occasional taxi to get around and visit the many fascinating museums and attractions that Croatia has to offer.

Luxury

Travelling to Croatia can be a luxurious experience, but it’s important to plan your budget accordingly. With a daily budget of €212 HRK, you can indulge in the best Croatia offers. Stay in a high-end hotel, rent a car for ease of travel, take private guided tours, and dine at the finest restaurants. You can also visit as many museums and attractions as you’d like without worrying about the cost. However, remember that this is just the starting point for luxury travel in Croatia. The possibilities are endless, and with the right budget, you can truly experience the finest of the country.

Currency details

Currency:

Euro

Currency code:

EUR

Currency symbol:

Central bank:

Croatian National Bank | European Central Bank

Nickname:

None

Currency sub-unit:

Cent = 1/100

Bank notes:

€5, €10, €20, €50, €100, €200, €500

Coins:

1c, 2c, 5c, 10c, 20c, 50c, €1, €2

Must-do's while you are in Croatia

Plitvice Lakes National Park

Explore the Plitvice Lakes National Park

Embark on a once-in-a-lifetime journey to Plitvice Lakes National Park! This awe-inspiring UNESCO World Heritage site boasts stunning scenery with sixteen interconnected lakes, cascading waterfalls, and verdant lush greenery spanning over 296.85 square kilometres of Lika-Senj and Karlovac counties. Get ready to explore the park by taking a relaxing boat ride across the serene lakes, hiking the trails or signing up for a guided tour.

Dubrovnik

Visit Dubrovnik

Tucked away in the southern region of Croatia, this city is famous for its iconic terracotta roofs, age-old stone walls, and majestic towers. Dubrovnik, also known as the “Pearl of the Adriatic”, has been deemed a UNESCO World Heritage site. Explore this historical wonder by strolling through the old town, take a leisurely walk on the city walls or experience the city from a bird’s eye view with a cable car ride.

Island-Hopping

Go Island-Hopping

Get lost in the beauty of the Croatian islands with an unforgettable island-hopping experience. With over a thousand islands around the country, Hvar, Brac, Korcula, and Vis are some of the must-visit islands. Experience the sandy beaches and stunning crystal-clear waters, and indulge in the local food and wine scene. Enjoy the convenience of taking a ferry or a speed boat, or if you’re feeling fancy – rent a sailing yacht for an unforgettable ride.

Croatian Cuisine

Try Croatian Cuisine

Calling all foodies! Get ready to treat your taste buds to an adventure with Croatian cuisine. Gourmet delights await, with local dishes inspired by the neighbouring countries, making it a unique and heavenly gastronomic experience. Indulge your taste buds with must-try dishes like Peka, a traditional Dalmatian meat preparation, Octopus Salad, a refreshing and light seafood dish; and Strukli, a mouth-watering pastry filled with cheese. And don’t forget to sip on the famous local wines like Plavac Mali and Dingac, known and loved around the world.

Music Festival

Attend a Music Festival

Experience music and good vibes like never before at Croatia’s famous music festivals. Ultra Music Festival, Hideout Festival, and Outlook Festival attract thousands of music aficionados from all over the world. Immerse yourself in the electric atmosphere and stunning locations while enjoying the performances by top-notch DJs and artists. This will be an experience you cannot miss!

Other helpful guides & resources on travel in Croatia

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