Budget: Less than 900KN
- Dorm bed: 340–360KN
- Pizza or pasta: 40–70KN
- Short bus journey: 12–15KN
- Private room in a guesthouse: 660–900KN
- Dinner in local restaurant: 100–200KN
- Museum pass: 120KN
Top end: More than 1700KN
- Double room in a luxury hotel: 1350–5400KN
- Single day's car hire: 450KN
- Meal in a top restaurant: 150–900KN
Some gentle haggling might save you a few kuna at a market stall; in all other instances you’re expected to pay the stated price.
ATMs are widely available. Credit cards are accepted in most hotels and restaurants. Smaller restaurants, shops and private-accommodation owners only take cash.
- ATMs can be found throughout Croatia and are tied in with international networks such as Cirrus and Maestro.
- Most ATMs also allow you to withdraw money using a credit card; note that you pay interest on the amount immediately and are charged a withdrawal fee. Privredna Banka usually has ATMs for cash withdrawals using American Express cards.
- All post offices will allow you to make a cash withdrawal on MasterCard or Cirrus.
- There are numerous places to change money in Croatia, all offering similar rates, including travel agencies and post offices.
- Most places deduct a commission of 1% to 1.5% to change cash, though some banks do not.
- Travellers cheques may be exchanged only in banks.
- Kuna can be converted into foreign currency only at a bank and only if you submit a receipt of a previous transaction.
Visa and MasterCard are widely accepted in hotels but rarely accepted in any kind of private accommodation. Diners Club and American Express are less accepted and many smaller restaurants and shops do not take any credit cards at all.
- Croatia uses the kuna (KN). Each kuna is divided into 100 lipa. Commonly circulated banknotes come in denominations of 200, 100, 50, 20 and 10 kuna. You’ll find silver-coloured five, two and one kuna, and 50 and 20 lipa coins, and bronze-coloured 10 lipa coins.
- Many accommodation providers set their prices in euro. It's often possible to pay in euro notes, but credit-card charges are invariably billed in kuna.
- You can sometimes pay for a meal or small services in euros, but the rate is not as good.
- International boat fares are priced in euros, although you pay in kuna.
For current exchange rates, see www.xe.com.
Tipping in Croatia is purely discretionary and is generally only done in restaurants and cafe-bars.
- Restaurants Up to 10% but only for good service; leave nothing if you're dissatisfied in any way. Leave your tip in cash, even if you're paying by credit card.
- Cafes & bars Round up to the nearest round figure.