Withdrawing Money from Overseas

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Withdrawing money from your bank account in your home country is not a problem in most instances, assuming that you’ve notified your foreign bank of your trip/move to Croatia. ATMs and banks are prevalent and accept most major cards including Visa, Mastercard and PIN. American Express is even extremely common here.

The limits for most ATMS is 2,000 kuna per day (about $350 USD). If you search, you may be able to find one that will allow you to take out 3,000 kuna but they are rare.

This can be problem if you need more money in a short time frame for, let’s say, the deposit for an apartment or buying a scooter. Since obtaining a Croatian bank account is contingent on having a residence, withdrawing large sums of money to get yourself set up in a new Croatian life can prove difficult if you don’t know where to go. Chicken and the egg.

Supposedly the banks will allow you to take out as much as 100,000 kuna using just your debit card however my experience has never shown this to work.

But, there is a solution! The Hrvatska Pošta office will allow you to withdraw up to 6,000 kuna per day per card. For example, if you and your spouse each have a debit card for the same account, you could each withdraw 6,000 kuna totaling 12,000 kuna for one day (if your daily limit is not exceeded with your bank). All you need is your debit card and your passport.

Do you have any tips or tricks to foreign money withdrawl in Croatia?

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6 thoughts on “Withdrawing Money from Overseas

  1. http://www.uscommercialrealty.net/properties.asp?id=1
    February 26, 2014 @ 9:38 am

    Good blog. Thanks, we want more! Added to FeedBurner as well.

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  2. Jo Dukaric
    July 28, 2016 @ 3:19 pm

    Hi Sara, 

    Apparently the Citibank debit card (and Halifax for UK) is recommended for travel. They don't charge international transfer fees or a conversion fee, but a Croatian bank will most likely add a % fee. There are no Citibanks in Croatia but it can be used wherever Visa is accepted.

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  3. Mark Nield
    April 22, 2019 @ 12:52 pm

    In 2018, I had problems withdrawing money from ATMS in POREC – Croatia, I tried my Starling – Monzo & Revolt cards, however the ATM always asked me 1. would I like to accept the exchange rate given by the atm, and if I select no then 2. the ATM asked me if I would like to continue with this transaction with the rate given by my card issuer but there may be a possibility that I would still be charged the rate given by the ATM, and then if I still selected no my card was returned.
    I did however find one ATM that only asked me the first question, and when i selected no i was given my money & my card. I also noted that some ATMS in the Venetian part if Italy last year, had updated there Atms with newer ones, and had started to ask the same questions.

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    • Expat in Croatia
      April 27, 2019 @ 12:03 pm

      Hi Mark,

      When I use my non-Croatia bank card, I sometimes get asked by ATMs about the exchange rate. I always select that I want to be charged in local currency, as that usually gives the best exchange rate. I have encountered some ATMs that won’t even take my card, even though it is a Visa. It depends on a lot of factors: the bank, how new the ATM is, etc. I would try and get a secondary card with a bank that is more widely accepted as a back up plan if you can.

      Regards,

      Sara

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  4. Tony
    October 15, 2019 @ 10:53 pm

    Hi Sara I am looking for the best way to send money “gifts” to family in croatia for birthdays etc, from Canada. Here we can do “E-Transfers” they are instant and free do you know if the local banks do something like this?

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    • Expat in Croatia
      October 16, 2019 @ 11:08 am

      Hi Tony,

      Good question! My recommendation would be Transferwise.

      Cheers,

      Sara

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