Croatia's official currency is the kuna. Although many tourist business owners may accept euros, Euros are not legal tender in Croatia. Any amount of kuna you have left at the end of your stay can be converted to euros at a local bank or exchange office.
Prices are around 10% to 20% lower than most EU countries. Touristic destinations and articles are much more expensive.
As of February, 2013
ATMs (in Croatian bankomat) are readily available throughout Croatia. They will accept various European bank cards, credit cards (Diners Club, Eurocard/Mastercard, Visa, American Express etc.) and debit cards (Cirrus, Maestro, Visa electron etc.). Read the labels/notices on the machine before using.
If you buy goods worth more than 740 kuna you are entitled to a PDV (VAT) tax return when leaving the country. Note that this applies to all goods except petroleum products. At point of purchase ask the sales person for a PDV-P form. Fill it out and have it stamped on the spot. On leaving Croatia the receipt will be verified by the Croatian Customs service. A PDV refund in Kunas can be obtained within six months, either at the same shop where you bought the goods (in that case the tax will be refunded to you immediately), or by posting the verified receipt back to the shop, together with the account number into which the refund should be paid. In this case the refund is dealt with within 15 days of receipt of the claim. There is another, much easier way to receive the refund. Buy your goods in shops with a "CROATIA TAX-FREE SHOPPING" label. This label is displayed on the shop's entrance, usually next to the labels of credit and debit cards this particular shop accepts. Using an international coupon, refund is possible in all countries-members of the TAX-FREE international chain. In this case the service charge is deducted from the tax refund amount.
Croatia now uses the Global Blue system. They will do the refund and take a commission off the price. You can do this at the airport or post it once you get home.
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