The Croatian currency is the Kuna (kn, HRK). It is divided into 100 lipa (lp). Coins have denominations of 1, 2, 5, 10, 20, 50 lipa and 1, 2, 5 kuna while notes have denominations of 5, 10, 20, 100, 200, 500 and 1000 kuna. Money can be exchanged in every bank, exchange office (mjenjačnica), exchange machine, travel agency and also in many (marked) shops, but unfortunately not in post offices. A receipt is issued for each exchange transaction (Receipt for the Purchase of Foreign Means of Payment). A copy of the receipt is given to the customer. Foreign nationals can convert unused kunas back into a foreign currency after presentation of the receipt of the original exchange of foreign currency into Croatian kunas. In principle, retransfer can be effected only in banks. Accessing money through ATMs is possible in all larger cities and the more important tourist areas; the ATMs of Zagrebačka banka accept EuroCard/MasterCard, and ATM of Euronet accept Diners, American Express and soon Visa.
Goods and services bought in Croatia cannot be paid for directly with travelers cheques. Travelers cheques and Eurocheques must first be cashed in exchange offices for Croatian kunas. Travelers cheques issued by the leading international banks and travel agencies are accepted in Croatia. Banker’s drafts issued by reputable international banks can be drawn in Croatian banks for Croatian kunas. Personal cheques are not accepted for direct payment for goods and services, but they can be cashed for Croatian kunas in Croatian banks (following a confirmation by the issuing bank).
In Croatia, you can use the following credit cards: American Express, Diners, Visa, and EuroCard/MasterCard. Diners and MasterCard cards are accepted in offices of Zagrebačka banka. Privredna banka Zagreb works with MasterCard and with AmeX. The principal for the Visa card is HVB Splitska banka.
Do not forget to bring some money with you, for the expenses until you receive your first salary (usually at the end of the month). It would be wise to bring money in some widely spread currency (USD, EUR).
Shops in Croatia are open all day long (mostly from 8.00 till 20.00, except Sundays), especially in the summer period, so you may go shopping at any time. Banking hours are 8.00-19.00, on working days (unless noted otherwise).
Prices vary a lot depending on the shop, so you should take a look around before buying anything.
The exchange rates for KN : http://www.hnb.hr/tecajn/htecajn.htm
Prices of some basic commodities:
|bread (1 kg)||5-7 kn|
|milk (1 l)||5 kn|
|beer (0.5 l, shop)||5 kn|
|mineral water (1l, shop)||4 kn|
|coffee (cup)||6-9 kn|
|beer (0.5 l, pub)||10-20 kn|
|disco, entrance||15-35 kn|