Cash or card in Croatia: Which is the best way to pay?
Should you pay with cash or card in Croatia? A handy guide including cash etiquette, Croatian ATMs and using your UK card.
Croatia is famed for its climate, cuisine and coastline, as well as its great mix of historic cities, beach resorts and quiet boltholes. These are just a few of the reasons the country has become such a hotspot for remote workers.
If you’re self-employed or can work remotely for your UK employer, you might want to look into getting a Croatia digital nomad visa. This will let you legally live and work in the country for a temporary period.
In this guide, we’ll show you how to get a digital nomad visa for Croatia. This includes info on how much this visa costs, eligibility requirements, the documents you’ll need and how long you can stay.
Croatia is one of many countries which offers a digital nomad visa.
With this visa, eligible non-EU citizens can legally live and work in Croatia for up to 18 months.1 You can only work for a company or clients located overseas though - you can’t work for a Croatian employer or run a business in Croatia itself.
You can bring close family members with you on this visa, including your spouse/partner and dependent children.1
To meet the Croatia digital nomad visa requirements, you’ll need to have a minimum monthly income of at least 2.5x the average monthly net salary in the country (according to the Croatian Bureau of Statistics).1
As of November 2025, this means you’ll need to be earning a minimum of €3,295 EUR (approx. £2,903 GBP) a month1 - although this may change as average salary figures are updated.
Alternatively, you’ll need to prove you have at least €39,540 EUR (approx. £34,841 GBP) in savings if you intend to stay in Croatia for 12 months, or €59,310 EUR if you’ll be staying for the full 18 months.1
The Croatia digital nomad visa costs £78.28 per person in application fees, plus a further €33 to €36 EUR (approx. £29.11 to £31.76 GBP) in service fees.2 The service fee varies depending on which Visa Application Centre you apply at.
Aside from the upfront application fees, there may be other costs to factor in. For example, the cost of getting travel/health insurance, or having documents translated.
You’ll need the following documents to apply for a digital nomad visa for Croatia:1
If you’re bringing family members with you, you’ll also need relevant supporting documents for them too.
To apply for the digital nomad visa for Croatia from the UK, you’ll need to apply through VFS Global. This is the official partner of the Embassy of Croatia in the United Kingdom.
Here’s how to do it:3
While you’re waiting for your visa to be issued, you can get on with other important pre-move preparations.
For example, starting an application to open a Croatian bank account, arranging accommodation and getting some euros or a suitable travel debit card ready for your first few days in Croatia.
The digital nomad visa for Croatia lets you stay in the country for up to 18 months.1
In a relatively recent update, the Croatian government now allows this visa to be renewed once, which means a potential total stay of up to 3 years.4
📚Can you keep UK bank account when moving abroad?
While you’re living and working in Croatia as a digital nomad, you’ll need to know whether or not you’ll pay taxes on your income.
There’s no specific Croatia digital nomad visa tax, just income tax rules that apply to anyone considered a tax resident of the country.
The great news for holders of the digital nomad visa though is that they are exempt from income tax on all foreign-sourced income. This means you can work remotely for overseas clients and/or an employer, and not pay Croatian income tax on your earnings.5
However, income tax may be due elsewhere - it all depends on where you’re considered to be a tax resident. This usually means the place you spend more than 183 days in a tax year.
Tax between countries can be really complicated, so it’s best to get professional advice to make sure you understand your obligations.
That’s everything you need to know about the digital nomad visa in Croatia. Make sure you check for any updates to the application process or the requirements ahead of applying.
Before moving to Croatia, you’re likely to have lots of costs to cover. Some of these, such as real estate costs, visa application fees and rental deposits, will need to cross borders and can get expensive because of the transfer fees and exchange rate markups.
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Yes, you can extend the Croatia digital nomad visa once. This means a potential total stay of up to 3 years.4
No, there isn’t a direct route to citizenship with the Croatia digital nomad visa. It’s intended as a temporary visa and is not for people planning to settle in the country permanently or become a citizen.
If you want to move there permanently and explore routes to citizenship, you’ll need to be eligible for a different, long-term visa, such as a skilled work or residence pathway.
The standard processing time for visa applications is around 15 working days, but be aware that you may not be able to get an appointment right away. If more documents or details are required, or there are any issues with your application, it could potentially take around 30 to 60 days to get your visa.2
Sources used:
1. Republic of Croatia Minister of the Interior - visa duration, eligibility and income requirements
2. VFS Global - processing time and visa costs
3. VFS Global - how to apply
4. CNBC - revised digital nomad visa to last up to 3 years
5. Lexology - digital nomad visa holders exempt from tax
Sources last checked on date: 18-Nov-2025
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Should you pay with cash or card in Croatia? A handy guide including cash etiquette, Croatian ATMs and using your UK card.
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