Generally, banks are open for business Monday to Friday from 08:00 AM until 7:00 PM. Some branches may be open on Saturday mornings.

Opening a foreign or local currency bank account in Croatia is a straightforward process and can be done at any major bank. The only requirements are proof of identification (i.e. passport or ID card) and a nominal sum to deposit which may vary from bank to bank.

In addition, some banks may request proof of residency prior to issuing an ATM card or providing Internet banking services. Most banks have English or German-speaking staff available to assist foreign customers. Foreign exchange rates are generally prominently posted in several languages.

Once an account is opened the customer has immediate access to his/her funds, but will only be able to withdraw them from that specific bank until an ATM card has been issued, which usually takes from one to two weeks.

There are no restrictions on the importation or exportation of foreign currency into the Republic of Croatia. However, the importation and exportation of Croatian currency is restricted and regulated by the Croatian National Bank. Their web address is: http://www.hnb.hr/eindex.htm

Note: Goods and services purchased in Croatia cannot be paid for directly with foreign currency traveler's checks or Eurocheques. Traveler's checks and Eurocheques must first be exchanged for Croatian kunas. Traveler's checks issued by leading international banks and travel agencies are widely accepted in Croatian exchange offices, post offices and banks.