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    Currency in Croatia

    A practical currency and money guide to travel, living and doing business in Croatia and the Euro (EUR).


    What currency is used in Croatia?

    The official currency of Croatia (country code: HR) is the euro, with symbol and currency code EUR.

    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.

    An example euro banknote


    Travel Ideas and Money Tips for Croatia

    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.



    Expat Money & Business Guide to 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.

    By following these tips and 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.

    Managing your finances in Croatia

    Here we list some key points for expats and businesses to consider when managing financial dealings in Croatia:

    1. 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 currency exchange service or a credit card that does not charge foreign transaction fees to get the best exchange rate.

    2. 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.

    3. 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.

    4. 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.

    5. 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.


    EUR/USD – Market Data

    The exchange rate of euro (EUR), or the amount of EUR that can be exchanged for a foreign currency, can fluctuate rapidly based on a number of factors, including economic conditions, interest rates, and political events. Below you can check the latest EUR/USD rate plus recent trend, chart, forecasts and historic rates.

    1 EUR = 1.0832 USD
    Sell EUR  →  Buy USD
    EUR to USD at 1.0833 is just 1.0% above its 3-month average of 1.0731, having fluctuated within a 4.4% range of 1.0522-1.0989
      1 USD = 0.9232 EUR
    EURUSD :

    Based on recent FX analyst forecasts and the 3-month price data, the outlook for USD to EUR appears to be influenced by several key drivers. The impressive US Jobs Report in February saw the US dollar soar against major currencies, while global GDPs demonstrated sluggish or flat growth amid inflation concerns. Another factor impacting the market was China's improved economy after relaxing its strict COVID-zero policy and predictions of its economic reopening. Lastly, the historic acquisition of Credit Suisse by UBS has a significant bearing on the global financial markets. The Euro experienced a downturn following the US Jobs report and ECB's dovish message. Despite the economy showing slight growth despite the uncertainty, the EUR/USD broke above 1.10 on February 1st for the first time since April 2022, but then began a month-long descent. This downturn could be attributed to the US dollar's strength rather than the Euro's weakness. Analysts suggest that a move to 1.10 in the coming weeks remains a tangible possibility, but re-testing 1.0900 would already be a positive indication for EUR/USD bullish investors. For the USD to EUR, the market will closely monitor key indicators, such as the German Ifo reading and the Eurozone's CPI flash estimates. Additionally, the economic health of the Eurozone and any developments with US regional banks will impact the outlook of the currency pair. With many factors involved, it is crucial for individuals and businesses to stay updated on these developments when considering international transactions involving USD to EUR.
    15 Mar 2023
    2.5% 2 Week
    29 Dec 2022
    1.7% 3 Month
    29 Mar 2022
    2.2% 1 Year
    30 Mar 2018
    12.1% 5 Year
    31 Mar 2013
    15.4% 10 Year
    03 Apr 2003
    1.1% 20 Year
    EUR/USD historic rates & change to 29-Mar-2023


    Compare Euro Exchange Rates & Fees

    The below comparison table makes it easy to find the best exchange rates and lowest fees when you want to make an International Money Transfer to Croatia or planning a trip or maybe living there, so will need to exchange and spend Euro.

    Loading comparison rates...

    ProviderAmountsRateTotal Cost

    It is important to note that the exchange rate of the euro can change rapidly and that past performance is not necessarily indicative of future performance. It is advisable to carefully consider the risks and factors that may affect EUR exchange rates before making any financial decisions.


    The Euro is also the domestic currency in 33 other countries.





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