CASH OR CARD IN CROATIA?
Credit, debit, and travel cards are accepted in most places, and so it’s a good idea to load up Euros on your Travel Money Oz Currency Pass for your day-to-day affairs. However, smaller villages and tips will often require foreign cash, so make sure to grab Euros in cash before you go.
The general rule of thumb is to have a prepaid travel card (like Currency Pass) for everyday spending, cash for tips and smaller vendors, and a credit card for security deposits at hotels and car rentals.
TIPPING IN CROATIA
Tipping in Croatia isn’t as common as, say, other Western countries, however many service worker wages are on the lower end on the scale so certain services it’s considered etiquette to tip.
However, unlike other Western countries, it can be perceived as an insult or flaunting your wealth, rather than appreciated, if you overtip – with the exception being skippers and luxury excursions and services.
Also, it’s best to tip in cash – card processing eats up a lot of what the workers would be earning from the tip.
Croatian Expressions for Tipping to Listen Out For: bakšiš, napojnica, manča, and trinkgeld.
Here are the common tips as laid out by Expat In Croatia:
Tipping in Croatian Café Bars: 5% or round up the bill.
Tipping in Croatian Restaurants: Check the bill first to make sure a tip hasn’t already been applied (look for the phrase Napojnica uračunata u cijenu – this means a gratuity is already included). The tip amount can vary from 5% to 15%, so it’s best to ask a local what’s customary!
Tipping in Croatian Hotels: Tipping isn’t required for hotels, but if you have a porter, a two to three Euros should suffice each time they provide the service (for housekeepers, this can change daily hence the daily tip rather than a bulk sum at the end).
Tipping Tour Guides in Croatia: You should pretty much always tip your tour guide, but this can vary based on the length of the tour, how much it cost, and how much you enjoyed it. Tipping 10%-15% should do the trick. If it’s exceptional of course you can give more, but you don’t have to be too lavish.
Tipping Taxis in Croatia: It’s not really customary to tip taxis in Croatia, however you can round up a couple Euros.
Tipping Skippers in Croatia: It’s expected to tip your crew – especially as gratuities can make up anywhere from 30% to 50% of their income. Plus it’s a tough job, and pretty well deserved. 10% to 15% of the total cost is the usual amount. This can add up, so make sure to factor this into your travel budget!
Tipping on Cruises in Croatia: The recommendation varies. DiscoverCroatia recommends tipping the Cruise Director and the Crew separately in separate envelopes, with each passenger tipping the Cruise Director tipped around €4 - €6EUR per day, and the Crew as a group tipped €10- €15EUR per day, or UnforgettableCroatia recommends €5EUR per crew member.
ATM ACCESS IN CROATIA
It’s easy to find ATMs all over Croatia, from resorts, towns, banks, supermarkets, and even small islands (though not all) will usually have at least one ATM available. Again, not all do though, so especially if you plan to visit smaller villages, lesser-known island, or otherwise travel off the beaten track, you might want to carry some cash on you.