Currency in Croatia: EUR Send & Spend FX Guide
Resources for Expats, Travelers, and Entrepreneurs Navigating Life and Trade in Croatia with the Euro.
What's in this Croatia currency guide?
What currency is used in Croatia?
The official currency of Croatia (country code: HR) is the Euro, with symbol € and currency code EUR.
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Frequently Asked Questions
What currency should I use in Croatia?
The domestic currency in Croatia is the Euro.
What is the Euro currency code and symbol?
The three letter currency code for the Euro is EUR — symbol is €.
What doe the Euro look like?
Here is an example Euro banknote:
Which countries use the Euro?
It is the domestic currency in Eurozone, Aaland Islands, Andorra, Austria, Belgium, Croatia, Cyprus, Estonia, Finland, France, French Guinea, French Southern Territories, Germany, Greece, Guadeloupe, Vatican City, Ireland, Italy, Latvia, Lithuania, Luxembourg, Malta, Martinique, Mayotte, Monaco, Montenegro, Netherlands, Portugal, Reunion, Saint Barthelemy, Saint Martin, Saint Pierre and Miquelon, San Marino, Slovakia, Slovenia and Spain.
Is the Euro a closed currency?
No, the Euro is freely available and convertible. See guide: What is a closed currency?
What are equivalent amounts of USD and HRK?
Here are some popular conversion amounts for USD to HRK (US dollar to Croatian kuna)*.
*Converted at the current USDHRK interbank exchange rate. Calculate actual payout amounts for Send Money and Travel Money exchange rates.
Things to know about the Euro
The euro (ISO: EUR) is involved in slightly more than 30% of all foreign exchange deals, and as such, is the world’s second most traded currency, behind the US dollar.
The euro is the currency of the eurozone (officially called the ‘euro area’), which consists of 19 of the 28 member states of the European Union, and is used by almost 350 million Europeans. It was introduced in January 1999.
Of all the thousands of exchange rates that exist in the world, the euro-to-US dollar exchange rate is the most actively traded, or most ‘liquid’.
Since its introduction, the euro’s lowest value against the dollar came in October 2000 when EUR/USD hit lows of 0.8231. The currency was strongest in July 2008, shortly before the worst stage of the 2007-2009 financial crisis, when EUR/USD reached 1.6038.
There are currently more than twenty nations and territories which peg their currencies to the euro, the largest of which is Denmark.
The euro banknotes and coins
The Euro is issued in banknotes of €5, €10, €20, €50, €100, €200, and €500, and in coins of 1 cent, 2 cents, 5 cents, 10 cents, 20 cents, 50 cents, €1, and €2.
The banknotes feature images of historical and cultural figures from across the European Union, while the coins depict each member country's unique design. The design of the Euro banknotes and coins is intended to be easily identifiable and difficult to counterfeit.
Travel money for Croatia
Using Wise for Euro travel money is a smart choice for savvy travelers. With its competitive exchange rates and low fees, Wise allows you to convert and manage multiple currencies effortlessly.
Be careful when using your own bank's Debit/Credit Card, as your bank may also charge an extra 3% as an “Overseas Transaction Charge” plus “Overseas ATM” fees for withdrawing cash on top of the standard Visa/Mastercard 2.5% from market mid-rate.
For card purchases, if you are offered a choice of currencies always select to Pay in Euro otherwise you will typically get much worst dynamic currency conversion (DCC) exchange rates.
If you really want Euro cash before departure, you can save money by ordering online. You generally get better rates and can pick up the EUR cash locally or even on travel day at the airport.
Croatia: Travel Guide
Traveling to Croatia requires careful financial planning to ensure a smooth and cost-effective experience. Here's a comprehensive guide to help you navigate currency considerations and manage your money effectively during your visit.
Croatia is a Central European country that is bordered by Slovenia, Hungary, Bosnia and Herzegovina, and Montenegro. Its coastline along the Adriatic Sea is dotted with over 1,000 islands. The capital, Zagreb, is home to a 13th-century castle, and the city of Dubrovnik is known for its Gothic churches and Venetian architecture. Other popular tourist destinations include the Plitvice Lakes National Park, the Krka National Park, and the city ofSplit.
Best things to do and see in Croatia
1. Visit the historic city of Dubrovnik.
2. Take a boat ride to one of Croatia’s many island resorts.
3. Drive along the Croatian coast to enjoy the stunning scenery.
4. Hike through one of Croatia’s many national parks.
5. Sample the delicious seafood and wine on offer in Croatia.
Top Travel tips for Croatia
1. When travelling to Croatia, it is important to remember that the country is still recovering from the war that ended in the early 1990s. In order to avoid any potential problems, it is advisable to check the current situation with your travel agent or the Croatian embassy.
2. Croatia is a beautiful country with a lot to offer visitors. However, there are some areas that are best avoided due to the high level of crime. It is important to research your destination before travelling and to be aware of the risks involved.
3. Travel insurance is essential when travelling to Croatia. This will cover you for any medical expenses that you may incur while in the country.
4. Croatia is a country that has a lot of history and culture. When visiting, it is important to respect the local customs and traditions.
5. The weather in Croatia can be very unpredictable. It is important to pack appropriately for the time of year that you are visiting.
6. Croatia is a popular tourist destination. However, there are a few scams that tourists should be aware of. These include pickpockets and people offering fake tours.
7. When using ATMs in Croatia, it is important to be aware that there is a limit on how much money you can withdraw per day. It is also advisable to check the exchange rate before exchanging money.
8. Croatia is a beautiful country with a lot to offer visitors. However, there are some areas that are best avoided due to the high level of crime. It is important to research your destination before travelling and to be aware of the risks involved.
What's the best way to pay in Croatia?
There is no one-size-fits-all answer to this question, as the best way to pay in Croatia depends on the specific circumstances. However, in general, it is advisable to use a mix of cash and card, as this will give you the most flexibility.
USD/EUR Market Data
The below interactive chart displays the USD/EUR change and UP📈 DOWN📉 trends over the past 1 Year.
Send Money to Croatia - Best Rates
To get a good (and fair) exchange rate when sending money to Croatia you need to find and compare exchange rates for International Money Transfers (IMTs).
The available FX rates for sending money abroad can be very different to the mid-market (wholesale) rate which you see reported online and in the News.
You should especially compare your own bank's exchange rates to those available from Money Transfer specialists to see how much you can save - we make that calculation easy in the below table.
Get a better deal for foreign transfers to Croatia
When sending money to Croatia it’s important to compare your bank’s rates & fees with those we have negotiated with our partner money transfer providers. To get a better deal you should follow these 4 simple steps :
- Open an account with a BER reviewed FX provider (id docs may be required)
- You specify the local or Euro amount you want to transfer
- Make a local currency domestic transfer for the requested amount to the provider's bank account in your country
- Once your funds are received by the provider the converted EUR amount will be transfered to the recipient account you specify in Croatia.
Use the above calculator to compare the exchange rates of FX specialist providers rates versus your bank's standard rates you can hopefully save around 5% and maybe more - end result is more Euro deposited into the recipient bank account and less margins and fees kept by the banks!
Managing money while living and working in Croatia
Managing your money effectively while living and working abroad can be challenging, but there are several steps you can take to ensure that your finances are in order.
Understand Euro currency exchange rates: Exchange rates can have a big impact on your finances, so it is important to keep an eye on the EUR exchange rate and consider using a money transfer specialist or a credit card that does not charge foreign transaction fees to get the best exchange rate.
Use a local Euro bank account: A local EUR bank account can make it easier for you to manage your finances and pay bills while you are in Croatia. It may also be more convenient to use a local EUR bank account to make purchases and withdraw cash.
Research local laws and regulations: It is important to understand the local laws and regulations that apply to financial transactions in Croatia. This can help you avoid legal issues and ensure that you are complying with local requirements.
Consider the tax implications: It is important to understand the tax implications of living or doing business in Croatia. This can help you plan your finances and ensure that you are paying the correct amount of tax.
Seek financial advice: If you are unsure of how to manage your finances in Croatia, it is a good idea to seek the advice of a financial professional who is familiar with the local financial system. This can help you make informed decisions and avoid financial pitfalls.
We have put together some key points to help managing your money effectively, you can reduce financial stress and enjoy your experience living or doing business in Croatia.
What is doing business like in Croatia?
Doing business in Croatia can be quite challenging at times, due to the high levels of bureaucracy and red tape. However, the country has a number of advantages which make it an attractive destination for businesses, including its skilled workforce, reasonable tax rates and its location within the European Union.
How is the economy in Croatia?
There is no easy answer when it comes to the economy in Croatia. Like many countries, Croatia has been greatly affected by the global pandemic and economic recession. However, the country has started to see some signs of economic growth in recent years.
How is the cost of living in Croatia?
The cost of living in Croatia is generally considered to be affordable, with an estimated cost of living index of 47.9. This index is lower than the average for Western European countries, which is typically around 60.0.