Trip planningBy Clever Tourists · Published · Last updated
Croatia uses the euro (since 1 January 2023) and is a full Schengen member, so the EU's Entry/Exit System applies when you arrive from outside Schengen, and again every time you cross to Montenegro or Bosnia and back. The surprises for first-timers are local: €150 (≈ $167) fines for walking through central Split in swimwear, shops allowed to open on only 16 Sundays a year, a nightly tourist tax, and a ban on outdoor fires all summer. We spent 17 days in Croatia in August 2023, moving from Zagreb and Osijek to Zadar, Šibenik, Split and Dubrovnik. The rules and prices below come from official and current sources.
1. It's the euro, not the kuna. Croatia switched on 1 January 2023 at a fixed 7.53450 kuna to the euro, according to the ECB. If you have old kuna notes, the Croatian National Bank exchanges them. Cards are widely accepted; decline any offer to charge your card in your home currency.
2. Schengen and EES. Croatia joined Schengen in 2023, so its days count toward the shared 90 in 180. Arriving from outside Schengen you register fingerprints and a photo under the Entry/Exit System, which has been fully running since 10 April 2026. ETIAS is not in operation as of October 2026. Details: do I need a visa to visit Croatia and our ETIAS and EES explainer.
3. Your stay must be registered with the police. The UK Foreign Office says hotels and tour operators usually do this for you; otherwise it is done at a police station. Carry your passport and keep a copy of the photo page separately. Arriving from outside the EU with €10,000 (≈ $11,146) or more in cash, you must declare it.
4. Expect a tourist tax. Each municipality sets a per-person nightly charge within a national band. ETOA lists Dubrovnik at €2.65 (≈ $3.0) from April to September and Split at €2.00 to €2.50 (≈ $2.2–2.8), and many private hosts collect it at check-in.
5. Tip about 10% for good table service. Cafés get a smaller round-up, and some beach clubs and touristy spots now add a 10% service charge, so check the bill. Our Balkans tipping guide covers Croatia with its neighbours, and the Croatia tipping calculator does the sums.

6. No swimwear in old towns. Split's bylaw fines people €150 (≈ $167) for walking around the historic centre in swimwear or shirtless, and public drinking is fined too. The UK Foreign Office says Dubrovnik also issues on-the-spot fines for this, and that public-order offences can cost up to €4,000 (≈ $4,458).
7. Most shops close on Sundays. Since a 2023 Trade Act amendment, the Croatian Parliament limits each shop to 16 trading Sundays a year, chosen by the retailer and mostly used in summer. Shops at stations, airports, ports, petrol stations and hotels are exempt. Shops also close on public holidays, so stock up on Saturday (Croatian grocery guide).
8. Fires are banned from June to October. Outdoor fires and barbecues are illegal from 1 June to 31 October outside designated areas, and starting a fire on purpose can bring fines of €2,000 to €20,000 (≈ $2,229–22,291) or prison, according to the UK Foreign Office. Put cigarettes out fully and take bottles home.
9. Stay on marked paths inland. Unexploded mines remain in parts of Eastern Slavonia, Brod-Posavina and Karlovac counties, around the Zadar hinterland and in remote parts of Plitvice Lakes National Park, the UK Foreign Office says. Do not walk onto uncultivated land.
10. Book timed sights ahead in summer. Dubrovnik's city walls cost €40 (≈ $45) for adults in the 2026 main season (walls guide), and Krka National Park costs €40 (≈ $45) from June to September or €30 (≈ $33) after 15:00 (Krka guide).
11. Buses link the coast; ferries thin out in winter. Split to Dubrovnik is about 4 hours by bus for roughly €16 to €35 (≈ $17.8–39) (Split to Dubrovnik), and Zagreb to Split compares bus, train and flight. Island ferry timetables are reduced from November to March.
12. Driving: tolls, not a vignette. Motorways charge by distance at exit booths, and sites selling Croatian vignettes are scams (driving in Croatia). The drink-drive limit is 0.05%, zero for drivers under 24; dipped headlights are compulsory from 1 November to 31 March, and winter tyres from 15 November to 15 April.
13. Day trips to Montenegro mean a real border. Leaving Croatia for Montenegro is a Schengen exit, with EES checks both ways. In July and August, queues at Debeli Brijeg can add 2 to 3 hours (Kotor to Dubrovnik guide, Croatia vs Montenegro).

14. Phones. EU plans roam at home prices; US, Canadian and Australian visitors usually save with a data eSIM. Near the Bosnian border, phones can switch to a Bosnian network, which is outside EU roaming; our Croatia eSIM guide explains how to avoid charges.
15. Plugs, water and emergencies. Sockets are type C and F at 230 V and 50 Hz. Water from public supply systems is regularly tested and safe to drink, according to Croatia's public health institute, as reported by Croatia Week; on some small islands bottled water is the safer choice. Call 112 for any emergency, including wildfires and mountain rescue.
16. Costs vary sharply by place. Our daily budget roundup puts Croatia at about $50 to $75 a day on a budget and $95 to $170 mid-range, with summer rooms in Dubrovnik several times the price of Split or Zagreb (Croatia trip cost calculator, where to stay in Dubrovnik).
17. Aim for the shoulder months. Late May to June and September give warm sea without peak crowds; November to March is cheapest but quiet on the islands. See best time to visit Croatia, our Zagreb, Zadar and Dubrovnik itinerary, the Croatia guide and, in winter, Zagreb Advent.
The euro, since 1 January 2023. The kuna was converted at 7.53450 to the euro, and old notes can be exchanged at the Croatian National Bank.
No. Split fines people €150 (≈ $167) for walking around the historic centre in swimwear or shirtless, and Dubrovnik also issues on-the-spot fines.
Often not. Since 2023 each shop may open on only 16 Sundays a year, mostly in summer. Shops at stations, airports, ports, petrol stations and hotels are exempt.
Yes. Montenegro is outside Schengen, so leaving Croatia is a Schengen exit and coming back is an entry, both recorded under the Entry/Exit System.
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