Local Currency and Exchange Information

The official currency in Zagreb, Croatia, is the Croatian Kuna (HRK). As of October 2023, the exchange rate hovers around 1 EUR = 7.5 HRK, but this can fluctuate. Always check for the latest rates before you exchange currency.

Currency exchange services can be found at banks, exchange offices, and airports. It’s advisable to exchange money at banks or reputable exchange offices to receive better rates and avoid hidden fees.

Payment Methods and Banking Options

In Zagreb, cash is still widely used, but credit and debit cards are accepted at most establishments, including hotels, restaurants, and shops. Major credit cards like Visa, MasterCard, and American Express are commonly accepted.

• ATMs: There are numerous ATMs throughout the city, especially in tourist areas, where you can withdraw cash in HRK. Be aware that your home bank may charge fees for international withdrawals.
• Currency Exchange: Exchange offices are plentiful, but always compare rates. Avoid exchanging money at hotels unless absolutely necessary, as they usually offer poorer rates.

Tipping Customs and Payment Etiquette

Tipping in Zagreb is appreciated but not mandatory. In restaurants, rounding up the bill or leaving a 10-15% tip is common. For taxi drivers, rounding up to the nearest kuna is sufficient. In bars and cafes, leaving small change is also customary.

When paying with a credit card, you may be asked if you’d like to tip via the card terminal. It’s best to specify if you prefer to tip in cash.

Cost Considerations and Budgeting Tips

Zagreb is relatively affordable compared to other European capitals. Here are some average costs to consider:

• Meal at a mid-range restaurant: 100-200 HRK
• Coffee: 10-25 HRK
• Public transportation ticket: 10 HRK
• Attractions entry fees: 20-100 HRK

To budget effectively, consider setting a daily limit for food, transportation, and activities. Using a travel app to track your expenses can help you stay within your budget.

Practical Financial Advice for Travelers

Here are some tips to ensure you manage your finances well while visiting Zagreb:

• Notify Your Bank: Inform your bank of your travel plans to avoid any issues with your credit/debit cards while abroad.
• Carry Some Cash: Always have a small amount of cash on hand for small purchases, as not all places accept cards.
• Use Local ATMs: Withdraw larger amounts of cash at once to minimize withdrawal fees.
• Keep Track of Exchange Rates: Monitor exchange rates to know when to convert your currency.

By following these tips and being aware of local customs, you can ensure a smooth financial experience during your travels in Zagreb.