Currency Euro (EUR) since January 2023. The former kuna is no longer in circulation (verify the exchange rate before travel).
Cards Visa and Mastercard accepted in 95% of businesses. American Express has limited coverage outside international hotels.
Cash Essential for local ferries, markets, tips and rural konobas. Carry small-denomination notes: €5, €10 and €20.
ATMs Available in all cities. Avoid the blue Euronet machines: use Erste, Zagrebačka, OTP or PBZ for better exchange rates.
Currency exchange Unnecessary for Europeans. For Latin American travellers, withdraw at a bank ATM with a multi-currency Wise or Revolut card.
Gratuities 10% in restaurants if the service was good. Between €20 and €40 per day for a private guide and driver, in cash.
Schengen Croatia has been part of the Schengen Area since January 2023. A traveller arriving from Spain, France or Germany passes without a new border check.
Latin America Colombians, Mexicans, Argentinians and most South Americans do not require a tourist visa.
Length of stay Up to 90 days within any 180-day period for visa-exempt nationalities.
ETIAS The European electronic travel authorisation for visa-exempt nationalities, expected to cost €7 and valid for three years. Its entry into force has been postponed: verify before travel.
Passport Valid for at least three months beyond your planned departure date. Carry a digital copy and your first hotel reservation.
Vaccinations Croatia does not require mandatory vaccinations from Latin America or Spain. Be up to date on MMR, tetanus and hepatitis A and B.
Tick-borne encephalitis For continental forest areas of the Velebit in spring and summer, consider the tick-borne encephalitis vaccine.
Water Tap water is potable and of excellent quality throughout the country — among the best urban water in Europe.
Insurance Not required for entry, but essential for CocoVolare trips. Ensure coverage includes evacuation, repatriation and nautical accidents if you plan to sail.
Pharmacies Ljekarne are plentiful and professional, many with English-speaking pharmacists, and some open 24 hours in Zagreb and Split.
Ferries Jadrolinija is the national ferry company; Krilo operates fast catamarans. Book ahead in August — routes sell out online.
Domestic flights Croatia Airlines connects Zagreb with Split, Dubrovnik, Pula and Zadar on legs of 45 to 75 minutes.
Private driver The CocoVolare standard for days in Split, Plitvice and Dubrovnik: saves two to three hours of logistics per day.
Car hire Recommended for Istria, Slavonia and the connection to Plitvice. Drop the car on arrival in Dubrovnik: the old town is pedestrian-only.
Apps Uber and Bolt operate in Zagreb, Split, Dubrovnik, Rijeka, Pula and Zadar. WhatsApp is the universal means of communication with guides and hotels.
Official language Croatian, a South Slavic language and a strong identity marker since independence.
English Solid in hotels, restaurants and retail. Italian is useful in Istria and along the coast.
Spanish Less common: CocoVolare prioritises guides and drivers with strong Spanish for Latin American clients where relevant.
Useful phrases Dobar dan (good day) · hvala (thank you) · molim (please) · oprostite (excuse me) · živjeli (cheers).
A tip Four words in Croatian open doors. Croatians size up a newcomer and open up generously when they sense genuine interest.
Yugoslavia Never call a Croatian Yugoslav. The memory of the 1990s war is very much alive: a Croatian is Croatian.
The war Do not offer opinions on the war or on Bosnia, Serbia or Kosovo unless invited. Listen if someone shares their experience.
Dress code No swimwear in Dubrovnik's walled old town or in Hvar Town: there is an ordinance with fines. In churches, cover shoulders and knees.
Toasting Say živjeli with eye contact as you clink glasses. Not looking at the other person when toasting is considered bad manners.
Punctuality Croatia keeps time. Do not be late for a reservation and do not queue-jump. No haggling: prices are fixed.