Money & Exchange

1. Gdje je najbliži bankomat?

   Where is the nearest ATM?

   Usage

   Used to find the nearest ATM when you need cash

   Grammar Note

   "bankomat" is the word for ATM. Croatia adopted the Euro in January 2023, replacing the kuna

2. Prihvaćate li kartice?

   Do you accept cards?

   Usage

   Used to ask if credit or debit cards are accepted as payment

   Grammar Note

   Cards are widely accepted in tourist areas, but cash-only is still common at small markets and rural vendors

3. Koji je tečaj za euro?

   What is the exchange rate for euros?

   Usage

   Used to ask about the euro exchange rate at a currency exchange or bank

   Grammar Note

   Croatia introduced the euro on 1 January 2023. Currency exchange is mainly needed for visitors from non-Euro countries

4. Mogu li platiti gotovinom?

   Can I pay with cash?

   Usage

   Used to ask if cash payment is accepted

   Grammar Note

   "gotovinom" is the instrumental of "gotovina" (cash). The instrumental case is used to express payment method

5. Gdje mogu mijenjati novac?

   Where can I exchange money?

   Usage

   Used to find a place to exchange foreign currency

   Grammar Note

   Currency exchange offices are "mjenjačnica". Found at airports and city centres. Rates may be better than banks

6. Račun, molim

   The bill, please

   Usage

   Used to ask for the bill at a restaurant or café

   Grammar Note

   "račun" means bill, calculation, or bank account. "Može li račun?" (Can I have the bill?) is also commonly used

7. Možemo li platiti odvojeno?

   Can we pay separately?

   Usage

   Used when dining in a group and wanting to split the bill

   Grammar Note

   "odvojeno" (separately) contrasts with "zajedno" (together). Splitting the bill is common in Croatia

8. Je li uključen porez u cijenu?

   Is tax included in the price?

   Usage

   Used to check whether the displayed price includes tax

   Grammar Note

   Croatian VAT is called "PDV" with a standard rate of 25%. Displayed prices are usually tax-inclusive

9. Imate li sitniš?

   Do you have change?

   Usage

   Used to ask if a vendor or cashier has change for a large bill

   Grammar Note

   "sitniš" is a collective term for small coins. "kusur" is another word for change (returned after payment)

10. Koliko je to ukupno?

    How much is the total?

    Usage

    Used to ask for the total amount before or at the time of payment

    Grammar Note

    "ukupno" is an adverb meaning "in total". "Koliko košta sve zajedno?" (how much for everything together?) is similar

11. Polog

    Deposit

    Usage

    A refundable deposit paid at check-in for hotels or rentals

12. Povrat novca

    Refund

    Usage

    Used when asking for money to be returned

13. Jamčevina

    Security deposit

    Usage

    A more formal security deposit, used for rentals or leases

14. Predujam

    Prepayment

    Usage

    Used to indicate money paid in advance, e.g. at booking

15. Doplata

    Extra charge

    Usage

    Used to indicate an additional charge added later

16. Naknada za uslugu

    Service fee

    Usage

    Used to indicate a fee charged for a service or procedure

17. Gotovina

    Cash

    Usage

    Point to this to pay in cash; many small places post "Samo gotovina" (cash only)

    Grammar Note

    Feminine noun. Croatia has used the euro since 2023

18. Kartica

    Card (credit/debit)

    Usage

    Point to this to pay by card. It is a different word from "karta" (ticket / map) — do not mix them up

    Grammar Note

    Feminine noun; "Plaćam karticom" (instrumental) means "I'll pay by card"

19. Svatko plaća svoje

    Everyone pays their own

    Usage

    Ask for the bill to be split per person; Croatian restaurants will usually do this

20. Sve na jedan račun

    All on one bill

    Usage

    Ask for everything to be put on a single bill

    Grammar Note

    "Račun" is the bill; the same word also means a bank account

21. Ostatak novca

    Change (money back)

    Usage

    Ask for your change back. Loose coins as such are "sitniš", a different word meaning small change to pay with

    Grammar Note

    Masculine noun. Everyday speech also uses "kusur", but this is the safer standard-Croatian wording

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