Changing EUR to USD in Croatia: the cheapest way, and what the rest cost you
The spread takes 0 EUR at Istarska kreditna banka Umag (IKB).
Measured against 0.8882 EUR per USD, the reference these banks price from.
Every figure is read from a bank's own published board, or derived from a margin it discloses — named in the evidence column, never inferred. We do not rank by any commercial relationship; the order below is the rate, and nothing else.
Which method costs least
This is the choice worth the most money, and the one most comparisons skip. Cash desks sit several points above card and transfer rates in every country we measure.
| Method | Cheapest here | Costs you | How we know |
|---|---|---|---|
| Buy banknotes at a branch The bank's own banknote board — the widest spread of the three, everywhere we measure. |
Istarska kreditna banka Umag (IKB) | 0 EUR | read from ikb.hr |
| Transfer / account conversion What the bank converts at when the money moves between accounts. |
Istarska kreditna banka Umag (IKB) | 0 EUR | read from ikb.hr |
| Pay by card The rate your card issuer converts at, plus the fee it discloses. |
Privredna banka Zagreb (PBZ, Intesa Sanpaolo) | 0 EUR | 0% disclosed fee, checked 2026-07-10 |
Cash withdrawals at an ATM are left out on purpose: they carry a per-withdrawal fee we do not collect, so listing them beside the others would flatter them.
Every bank's cash / banknotes rate
If you have to use a branch anyway, this is the order to try them in — 4 banks, cheapest first. The dearest takes 10.2% more than the cheapest.
| Bank | Buys USD | Sells USD | Costs you |
|---|---|---|---|
| Istarska kreditna banka Umag (IKB) own board | 0.9046 | 0.8350 | 0 EUR |
| Read from the board this bank publishes at ikb.hr. | |||
| Hrvatska poštanska banka (HPB) own board | 0.9241 | 0.8530 | 0 EUR |
| Read from the board this bank publishes at www.hpb.hr. | |||
| Erste & Steiermärkische Bank own board | 0.9244 | 0.8533 | 0 EUR |
| Read from the board this bank publishes at local.erstebank.hr. | |||
| Addiko Bank own board | 0.8547 | 0.9259 | 20.38 EUR |
| Read from the board this bank publishes at www.addiko.hr. | |||
Every bank's transfers rate
If you have to use a branch anyway, this is the order to try them in — 5 banks, cheapest first. The dearest takes 8.8% more than the cheapest.
| Bank | Buys USD | Sells USD | Costs you |
|---|---|---|---|
| Istarska kreditna banka Umag (IKB) own board | 0.8999 | 0.8391 | 0 EUR |
| Read from the board this bank publishes at ikb.hr. | |||
| Zagrebačka banka (UniCredit) own board | 0.9244 | 0.8533 | 0 EUR |
| Read from the board this bank publishes at www.zaba.hr. | |||
| Hrvatska poštanska banka (HPB) own board | 0.9148 | 0.8615 | 0 EUR |
| Read from the board this bank publishes at www.hpb.hr. | |||
| Erste & Steiermärkische Bank own board | 0.9142 | 0.8622 | 0 EUR |
| Read from the board this bank publishes at local.erstebank.hr. | |||
| Addiko Bank own board | 0.8619 | 0.9173 | 15.85 EUR |
| Read from the board this bank publishes at www.addiko.hr. | |||
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Rates are EUR per 1 USD; "costs you" is the part of your amount the spread absorbs, against 0.8882, the reference these banks price from. Collection began 2026-06-24. Indicative information for comparison, not financial advice. What each country's rates are officially anchored to is on the references page. Generated 2026-10-07.