ATMs in Dubrovnik

While visiting Dubrovnik is an unforgettable experience, knowing how to manage your finances will ensure a smoother trip. Many travelers rely on ATMs to withdraw cash abroad, only to be met with unexpected fees and unfavorable exchange rates. Knowing where to withdraw money without extra charges can save you time and money and allow you to focus on enjoying your stay in this city.

While the Euro is the official currency, not all ATMs are created equal. Some charge high fees, while others offer more traveler-friendly conditions. Avoiding unnecessary costs starts with knowing which ATMs to use and which to skip.

Want to avoid high ATM fees? We’ll show you how to find the best ATMs in Dubrovnik for cash withdrawals and which ones to skip, so you can spend more on your trip and less on hidden charges.

Where to withdraw money in Dubrovnik without a fee?

Using bank-affiliated ATMs is the best way to withdraw cash in Dubrovnik without paying unnecessary fees. These ATMs, operated by major Croatian banks, typically do not add extra charges beyond what your home bank may impose. They also use the official exchange rate set by the Croatian National Bank, giving you a much better deal than independent ATM operators.

Banks in Dubrovnik – best ATMs for fee-free withdrawals

Based on traveler experiences, KentBank is by far the best option among tourists looking for a fee-free withdrawal. Many visitors report that KentBank ATMs do not add their own charges, meaning you only pay whatever your bank applies. The KentBank ATM is located at their bank branch in central Dubrovnik, just outside the Old Town, and a short drive from Pile Gate.

Other recommended options include:

• OTP Banka – A good alternative if you come across one of their ATMs. Their fees are transparent, and they have a decent number of machines around the city.
• Zagrebačka Banka (ZABA) – This is one of the largest banks in Croatia, so you’ll find their ATMs in key areas, including Dubrovnik’s Old Town and near major hotels. The exchange rate is fair, and fees are reasonable.
• Privredna Banka Zagreb (PBZ) – Another well-known bank with a solid ATM network. While not as commonly mentioned as KentBank, their machines are a safe bet if you need to withdraw cash and do not want to feel robbed.
• You’ll also find ATMs from Erste, Hrvatska poštanska banka (HPB), and Raiffeisen Bank.

Where to find ATMs in Dubrovnik?

The best places to find bank-affiliated ATMs in Dubrovnik include:

• Dubrovnik Airport – You’ll find ATMs from major banks as soon as you land. If you need cash, this is a convenient place to withdraw before heading to your accommodation.
• Old Town – Several bank branches are inside the City Walls. You can find PBZ and OTP bank branches on Stradun (the main Dubrovnik Old Town street), where you can easily use their ATMs.
• Lapad and Gruž – If you’re staying outside the Old Town, you’ll find bank ATMs in shopping areas and near hotels. KentBank and ZABA have a presence in these neighborhoods.
• Inside bank branches – For extra security and to ensure you’re using a real bank ATM, visit an actual bank location during business hours. This is especially helpful if you run into any issues with the machine.

Here’s a complete map of all ATMs in Dubrovnik to help you find the most convenient one.

How to avoid high-fee ATMs in Dubrovnik?

While Dubrovnik has plenty of bank-affiliated ATMs, you’ll also see Euronet ATMs everywhere, particularly in tourist-heavy areas. These are best avoided because:

• They charge high withdrawal fees, sometimes up to 10% per transaction.
• They offer poor exchange rates compared to official bank rates.
• They use dynamic currency conversion (DCC), which tricks you into withdrawing in USD instead of euros, leading to worse rates. Always select “Withdraw in EUR” to get the best deal.

To avoid Euronet, look for ATMs attached to actual bank branches rather than stand-alone machines near tourist attractions, souvenir shops, or ferry terminals. If you’re unsure, check the ATM branding — Euronet machines are usually bright blue and yellow, while Croatian bank ATMs display the bank’s name and logo.

ATMs at Dubrovnik Airport

Many travelers arriving in Dubrovnik head straight to an ATM at the airport for convenience. While this is a quick way to get cash, choosing the right machine can save you money. There are about nine ATMs near the airport entrance, most of which belong to reputable Croatian banks such as PBZ, ZABA, OTP, Raiffeisen Bank, HPB and Erste. You can check out this article’s photo, so you know what to expect when you arrive to Dubrovnik airport.

However, there you’ll also find non-bank-affiliated ATMs that charge higher fees. These machines are easy to spot—they often have oversized ATM signs and a different design from those inside bank branches.

How to minimize fees when withdrawing cash?

Even when using a fee-free ATM, your home bank may still charge a withdrawal fee. Here are some ways to minimize those costs:

Use a no-fee debit card

Certain banks and credit unions offer debit cards that reimburse foreign ATM fees. Some great options include:

• Charles Schwab Bank: Refunds all ATM fees worldwide.
• Fidelity Cash Management: Offers fee reimbursements on withdrawals.
• Capital One 360: Provides fee-free international withdrawals.

Withdraw larger amounts less frequently

Since most banks charge a flat fee per withdrawal, taking out a larger sum at once will reduce the number of times you pay fees. Just be mindful of carrying too much cash at once.

Decline Dynamic Currency Conversion (DCC)

If an ATM asks whether you want to be charged in, e.g., US dollars or euros, always select euros. Choosing US dollars means the ATM will set the exchange rate, which is usually much worse than what your bank would offer.

Alternatives to ATMs

If you prefer to avoid ATMs altogether, there are other ways to get euros in Dubrovnik.

Currency exchange offices

Exchange offices in Dubrovnik often offer decent rates, especially those inside bank branches. Since they charge a commission, it’s best to compare rates before exchanging large amounts.

Paying with a credit card

Many restaurants, hotels, and shops accept credit cards, making cash withdrawals less necessary. Use a credit card with no foreign transaction fees for the best deal.

Bringing euros with you

If your home bank offers euro withdrawals before departure, this can be a good option. However, ensure you get a competitive exchange rate and avoid airport exchange kiosks, which typically charge high fees.

Do I need cash in Dubrovnik?

The short answer is yes – credit and debit cards are widely accepted in Dubrovnik. However, it’s still smart to carry some cash. While most restaurants, cafés, hotels, and shops take cards, smaller businesses, market stalls, and certain local cafés may only accept cash.

Public transportation is another reason to carry euros. If you plan to take the bus, you’ll need cash for tickets unless you buy them in advance from kiosks. Also, not all local taxis accept cards. Services like Bolt do offer card payments, but having cash as a backup is useful.

Another thing to keep in mind is that some places add a surcharge for card payments, especially for smaller transactions. To avoid unexpected fees or awkward situations, we recommend to withdraw a reasonable amount of cash from a bank-affiliated ATM and keep it handy for day-to-day expenses.

Withdraw money the smart way

Knowing where to withdraw money without a fee in Dubrovnik can make a big difference in your travel budget. Bank-affiliated ATMs such as KentBank, OTP, ZABA, and PBZ are your best bet for withdrawals without or with a smaller fee. Avoid Euronet ATMs, decline dynamic currency conversion, and consider using a no-fee debit card from your bank to save even more.

While ATMs are the most convenient way to access euros, you can also exchange cash at bank branches or use a credit card with no foreign transaction fees. With a little planning, you can enjoy your time in Dubrovnik without worrying about unnecessary banking fees.

Keep these tips in mind, and you’ll have more to spend on exploring Dubrovnik’s stunning sights, dining at fantastic restaurants, and making the most of your trip.

Photography: Dubrovnik Airport

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