December 15, 2022 - Croatia, one of the countries with the most widely developed ATM network, is gradually adapting to a new currency due to the introduction of the euro on the first day of the next year. The arrival of the euro in Croatia is affecting the ways in which cash will be available in the transition period.
As N1 writes, ATMs of commercial banks are the most important channel for the supply of cash in kuna in the Republic of Croatia and will also be the key channel for the supply of citizens with euro banknotes.
They should be adapted so that from January 1, 2023, they pay out exclusively in euros, while banks are obliged to ensure adequate availability of the Croatian kuna covering all of the ATM network until December 31, 2022.
ATMs are being gradually temporarily shut down during December and early January to allow the banks to adjust their ATM network for euro withdrawals by January 15, 2023.
In order for this adjustment process not to negatively affect the availability of cash in kuna in the period until the end of December 2022 or the availability of euro notes after January 1, 2023, in the period from December 15, 2022, to January 15, 2023, a few changes will be introduced to the ATM network in Croatia. The banks will temporarily abolish fees for cash withdrawal transactions with debit cards at ATMs outside the ATM network of a particular bank (at ATMs of other banks) in the Republic of Croatia.
Thus, from December 15 to 31, the Croatian kuna can be withdrawn free of charge at any ATM in Croatia, while from January 1 to 15, euros will be available for withdrawal from ATMs free of charge as well.
Considering the density of the network of ATMs in Croatia, it should provide citizens with a high degree of availability of cash in Croatian kuna until December 31, 2022, and cash in euros after the first day of the new year 2023.
The Croatian Bank Association has published an interactive map of all available ATMs during this period.
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