ATMs are widely available. Credit cards are accepted in most hotels and restaurants. Smaller restaurants, shops and private-accommodation owners only take cash.
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.