Tipping In Croatia: A Guide to Croatian Tipping Customs

One aspect of the travel experience that often surprises travelers is the local attitude toward tipping. In some countries, it's an everyday practice, while in others, it's a cultural faux pas. Then there are those countries where tipping falls somewhere in between, leaving you wondering what's expected.

In this guide, we'll walk you through the tipping etiquette of Croatia to help you navigate your visit smoothly. Additionally, we'll offer valuable tips on how to get EUR in cash in Croatia, so you can focus on soaking up the sights, sounds, and flavors without the stress of financial hiccups.

Is Tipping Expected in Croatia?

Tipping in Croatia is not as common as in other parts of Europe. While it's not expected, leaving a small tip for exceptional service is an appreciated gesture.

Tipping in Restaurants, Bars, and Cafes

When dining out in Croatia, you won't need to tip your wait staff. But feel free to leave 10% to 15% if you experienced stellar service. In some cases, the restaurant may add a service charge to your bill so keep an eye out for that. If you see “napojnica uračunata u cijenu” on the bill, then the restaurant automatically included gratuity.

When visiting bars and cafes, tipping is generally not expected. Feel free to round up the bill if the service was attentive and friendly.

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Do You Tip Hotel Staff in Croatia?

For hotel staff in Croatia, tipping is not mandatory but much appreciated. It is a nice gesture to tip porters €1 per bag, €1 for valet, and €1 per night for cleaning staff.

Tipping Taxis and Tour Guides in Croatia

For taxi drivers in Croatia, tipping is also not customary. You can round up the bill or tip a few euros, but it won't be expected.

Tour guides in Croatia may expect a small tip for walking tours, especially if the tour was informative and enjoyable. It is not a hard and fast rule, since pricing rules will vary by each provider. However, a tip of 3-10 euros per person is typical (especially for free walking tours).

Practical Tips for Tipping in Croatia

By following these tips, you'll optimize your cash transactions in Croatia, minimize fees, and enjoy a smoother travel experience:

1. Withdraw Cash With a Travel Debit Card: Choose a travel debit card without international transaction fees that allows you to hold local currency and withdraw cash like a local. These cards typically offer fee-free ATM withdrawal allowances, making them a convenient and cost-effective option for accessing cash while traveling in Croatia.
2. Stay Within Fee-Free Allowances: Many travel debit cards provide fee-free ATM withdrawal allowances per month. To avoid additional fees, try to stay within this allowance when withdrawing cash.
3. Opt for Local Currency Transactions: When making purchases or withdrawing cash in Croatia, you'll be prompted to pay in EUR or your home currency. Always choose to pay in the local currency (EUR) rather than your home currency to avoid dynamic currency conversion (DCC) fees. DCC will result in terrible exchange rates and additional charges, so opting for local currency transactions ensures you get the best exchange rate.
4. Avoid Credit Card Cash Advances: Steer clear of using credit cards for cash withdrawals, as they incur cash advance fees and higher interest rates (APR). Cash advance APR is also higher than purchase APR.

Recommended Travel Cards for Fee-Free Cash Withdrawals Abroad

Compare the best travel debit cards without international transaction fees for your trip to Croatia:

Wise Multi-Currency Account

With the Wise Account, convert currency at the mid-market exchange rate. Spend, hold, and convert between dozens of currencies with your debit card and never be asked to do a dynamic currency conversion. The only fees that they charge you for using ATMs abroad will come at 1.75% per withdrawal — and only after you've exceeded your $100 monthly withdrawal limit.

The Wise Account is available in the US, Canada, EU/EEA, the UK, Japan, Australia, New Zealand, and several other countries and territories.

N26

Available for EU and EEA residents to open, an N26 account will never charge foreign transaction fees. All Euro ATM withdrawals are fee-free, giving you free rein to travel the Eurozone. Outside of the Eurozone, ATM withdrawals cost 1.7% per withdrawal.

Starling Bank

The Starling Bank card is an excellent option in the UK for foreign travel. In addition to no foreign transaction fees, Starling Bank does not charge foreign ATM withdrawal fees. You might only be charged a third-party fee, just as you would in the UK.