{"id":14578,"date":"2026-07-27T09:49:32","date_gmt":"2026-07-27T08:49:32","guid":{"rendered":"https:\/\/villas-guide.com\/blog\/cash-card-or-phone-how-to-pay-in-croatia\/"},"modified":"2026-07-27T14:59:47","modified_gmt":"2026-07-27T13:59:47","slug":"gotovina-kartica-ili-mobitel-kako-placati-u-hrvatskoj","status":"publish","type":"post","link":"https:\/\/villas-guide.com\/hr\/blog\/gotovina-kartica-ili-mobitel-kako-placati-u-hrvatskoj\/","title":{"rendered":"Gotovina, kartica ili mobitel: Kako pla\u0107ati u Hrvatskoj u 2026."},"content":{"rendered":"<p>Stigli ste u Hrvatsku, raspakirali kofere, terasa vile \u010deka, ali odjednom vas mu\u010di pitanje: <em>imam li dovoljno gotovine sa sobom, trebam li uop\u0107e gotovinu na odmoru, i mogu sve platiti karticom kao kod ku\u0107e<\/em>? <strong>Odgovor je uglavnom &#8220;ovisi&#8221;. <\/strong><\/p>\n<p>Evo \u0161to ka\u017eu podaci Hrvatske narodne banke i Europske sredi\u0161nje banke.<\/p>\n<h2>Kartice su posvuda, ali gotovina se ne predaje bez borbe<\/h2>\n<p>Ako ste posljednji put bili u Hrvatskoj prije nekoliko godina, primijetit \u0107ete promjenu. <a href=\"https:\/\/www.hnb.hr\/c\/document_library\/get_file?uuid=132f2db1-f0a5-c06a-4a0d-005913d4d6ac&amp;groupId=20182&amp;p_auth=3EhywM5o\" target=\"_blank\" rel=\"noopener\">Podaci HNB-a pokazuju da je 2024. izvr\u0161eno 853 milijuna karti\u010dnih transakcija<\/a>, a broj kartica u optjecaju popeo se na 8,7 milijuna. To je duplo vi\u0161e kartica nego stanovnika (i vi\u0161e, ali da ne cjepidla\u010dimo). U Hrvatskoj se otprilike svaki \u010detvrti ra\u010dun pla\u0107a karticom, i taj se udio iz godine u godinu pove\u0107ava.<\/p>\n<p><strong>Gotovina se ne predaje<\/strong>. Prema ECB-ovom istra\u017eivanju o navikama pla\u0107anja (SPACE 2024), u cijeloj eurozoni gotovina se i dalje koristi u <a href=\"https:\/\/www.poslovni.hr\/financije\/hrvatski-gradani-medu-prvima-ce-birati-novac-kartica-ili-digitalni-euro-4513339\" target=\"_blank\" rel=\"noopener\">52% svih transakcija na mjestu prodaje po broju<\/a>. To je pad s 59% dvije godine ranije, ali jo\u0161 uvijek naj\u010de\u0161\u0107a metoda.<\/p>\n<div id='gallery-1' class='gallery galleryid-14578 gallery-columns-2 gallery-size-full'><figure class='gallery-item'>\n\t\t\t<div class='gallery-icon landscape'>\n\t\t\t\t<a title=\"\" data-rl_title=\"\"  href='https:\/\/villas-guide.com\/wp\/wp-content\/uploads\/2026\/07\/person-opening-a-wallet.jpg' class=\"rl-gallery-link\" data-rl_caption=\"\" data-rel=\"lightbox-gallery-1\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"768\" src=\"https:\/\/villas-guide.com\/wp\/wp-content\/uploads\/2026\/07\/person-opening-a-wallet.jpg\" class=\"attachment-full size-full\" alt=\"person opening a wallet\" srcset=\"https:\/\/villas-guide.com\/wp\/wp-content\/uploads\/2026\/07\/person-opening-a-wallet.jpg 1024w, https:\/\/villas-guide.com\/wp\/wp-content\/uploads\/2026\/07\/person-opening-a-wallet-300x225.jpg 300w, https:\/\/villas-guide.com\/wp\/wp-content\/uploads\/2026\/07\/person-opening-a-wallet-768x576.jpg 768w, https:\/\/villas-guide.com\/wp\/wp-content\/uploads\/2026\/07\/person-opening-a-wallet-600x450.jpg 600w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/a>\n\t\t\t<\/div><\/figure><figure class='gallery-item'>\n\t\t\t<div class='gallery-icon landscape'>\n\t\t\t\t<a title=\"\" data-rl_title=\"\"  href='https:\/\/villas-guide.com\/wp\/wp-content\/uploads\/2026\/07\/person-paying-by-card-1.jpg' class=\"rl-gallery-link\" data-rl_caption=\"\" data-rel=\"lightbox-gallery-1\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"768\" src=\"https:\/\/villas-guide.com\/wp\/wp-content\/uploads\/2026\/07\/person-paying-by-card-1.jpg\" class=\"attachment-full size-full\" alt=\"\" srcset=\"https:\/\/villas-guide.com\/wp\/wp-content\/uploads\/2026\/07\/person-paying-by-card-1.jpg 1024w, https:\/\/villas-guide.com\/wp\/wp-content\/uploads\/2026\/07\/person-paying-by-card-1-300x225.jpg 300w, https:\/\/villas-guide.com\/wp\/wp-content\/uploads\/2026\/07\/person-paying-by-card-1-768x576.jpg 768w, https:\/\/villas-guide.com\/wp\/wp-content\/uploads\/2026\/07\/person-paying-by-card-1-600x450.jpg 600w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/a>\n\t\t\t<\/div><\/figure>\n\t\t<\/div>\n\n<p>Kad gledate <strong>vrijednost<\/strong>, a ne broj transakcija, <a href=\"https:\/\/www.ecb.europa.eu\/stats\/ecb_surveys\/space\/html\/ecb.space2024~19d46f0f17.en.html#toc19\" target=\"_blank\" rel=\"noopener\">kartice preuzimaju prvo mjesto (45%), dok gotovina pada na 39%.<\/a> U prijevodu<strong>, gotovinom se pla\u0107aju sitnice, npr. kava, sladoled, parking, a kartica ulazi u igru kod ve\u0107ih ra\u010duna.<\/strong><\/p>\n<blockquote>\n<p style=\"text-align: center;\"><strong>Karticu u Hrvatskoj u pravilu mo\u017eete koristiti za sve ve\u0107e tro\u0161kove (smje\u0161taj, najam auta, restorani, gorivo, \u0161peceraj), ali ponesite gotovinu za sitnice.<\/strong><\/p>\n<\/blockquote>\n<p>Ima mjesta koje i dalje radije vide gotovinu, pa ju imajte pri ruci ako \u0107ete oti\u0107i na ru\u010dak u neku manju konobu na otoku, na tr\u017enicu po vo\u0107e i povr\u0107e ili se vozite taksijem na periferiji.<\/p>\n<h2>Gdje \u0107ete sigurno trebati gotovinu<\/h2>\n<ul>\n<li><strong>Tr\u017enice i mali obiteljski du\u0107ani<\/strong>: pogotovo u manjim mjestima Istre i Dalmacije. Ako planirate kupovati direktno od proizvo\u0111a\u010da (a <em>morate<\/em> probati doma\u0107i pr\u0161ut i maslinovo ulje), ponesite gotovinu. Nedavno smo pisali i o tome <a href=\"https:\/\/villas-guide.com\/hr\/blog\/autenticni-okusi-odmora-u-hrvatskoj-lokalna-kupovina\/\" target=\"_blank\" rel=\"noopener\">kako kupovati kao lokalac dok ste na moru<\/a>.<\/li>\n<li><strong>Konobe u zaba\u010denijim mjestima<\/strong>: mnoge prihva\u0107aju kartice, ali internetska veza na udaljenim lokacijama (otoci, dijelovi Istre) zna biti nestabilna, pa POS ure\u0111aji ponekad &#8220;padnu&#8221; ba\u0161 kad ste najvi\u0161e gladni.<\/li>\n<li><strong>Javni WC-i, sitni parkirni automati i napojnice<\/strong>: klasika, kao u ve\u0107ini Europe.<\/li>\n<\/ul>\n<h2>Gdje kartica radi bez problema<\/h2>\n<p><strong>U turisti\u010dkim centrima<\/strong> kao \u0161to su <a href=\"https:\/\/villas-guide.com\/hr\/vile-u-hrvatskoj\/istra\/rovinj\" target=\"_blank\" rel=\"noopener\">Rovinj<\/a>, <a href=\"https:\/\/villas-guide.com\/hr\/vile-u-hrvatskoj\/istra\/porec\" target=\"_blank\" rel=\"noopener\">Pore\u010d<\/a>, <a href=\"https:\/\/villas-guide.com\/hr\/vile-u-hrvatskoj\/dalmacija\/split\" target=\"_blank\" rel=\"noopener\">Split<\/a>, <a href=\"https:\/\/villas-guide.com\/hr\/vile-u-hrvatskoj\/dalmacija\/dubrovnik-rivijera\" target=\"_blank\" rel=\"noopener\">Dubrovnik<\/a>, <a href=\"https:\/\/villas-guide.com\/hr\/vile-u-hrvatskoj\/dalmacija\/zadar\" target=\"_blank\" rel=\"noopener\">Zadar<\/a> <strong>pla\u0107anje karticama je skroz uobi\u010dajeno<\/strong>. Restorani, ve\u0107i supermarketi, benzinske postaje i naravno svaka rezervacija vile ili apartmana prolaze glatko karticom.<\/p>\n<h2>Pla\u0107anje mobitelom (Apple Pay, Google Pay)<\/h2>\n<p>Dobra vijest je da su <strong>Google Pay i Apple Pay<\/strong> uobi\u010dajeni su na\u010dini pla\u0107anja u sve vi\u0161e trgovina.<\/p>\n<h2>Kako doma\u0107i pla\u0107aju?<\/h2>\n<blockquote>\n<p style=\"text-align: center;\"><strong>Hrvatska trenutno \u017eivi na razme\u0111u dva svijeta pla\u0107anja.<\/strong><\/p>\n<\/blockquote>\n<p><strong>Hrvati vole imati izbor.<\/strong> Prema istra\u017eivanju agencije CEPER, provedenom u srednjoeuropskim zemljama krajem 2023. i po\u010detkom 2024. godine, <a href=\"https:\/\/financije.hr\/zivot-bez-kartica-nezamisliv-ali-u-istocnoj-europi-vole-i-gotovinu\/\" target=\"_blank\" rel=\"noopener\">vi\u0161e od 80% hrvatskih gra\u0111ana posjeduje debitnu ili kreditnu karticu<\/a>, ali istovremeno vi\u0161e od petine ispitanika ka\u017ee da radije uvijek pla\u0107a gotovinom. To je sli\u010dno navikama u Ma\u0111arskoj, Srbiji ili Crnoj Gori.<\/p>\n<p>Vrijedi spomenuti jo\u0161 jednom, aligotovina jo\u0161 uvijek nije muzejski eksponat kao u nekim dijelovima svijeta, pa imajte uvijek ne\u0161to gotovine sa sobom.<\/p>\n<p>Ka\u017eem \u201ene\u0161to\u201c jer iznos gotovine koji netko <em>mora<\/em> imati sa sobom da bi se osje\u0107ao sigurno i opu\u0161teno varira od osobe do osobe: Znam ljude koji moraju imati barem 80 eura sa sobom, a znam i (khm) <em>neke<\/em> koji su svojevremeno u panici zbrajali cente da vide ho\u0107e li na bus ili pje\u0161ke.<\/p>\n<div id='gallery-2' class='gallery galleryid-14578 gallery-columns-2 gallery-size-full'><figure class='gallery-item'>\n\t\t\t<div class='gallery-icon landscape'>\n\t\t\t\t<a title=\"\" data-rl_title=\"\"  href='https:\/\/villas-guide.com\/wp\/wp-content\/uploads\/2026\/07\/young-woman-paying-bill-with-smartphone-at-coffee-.jpg' class=\"rl-gallery-link\" data-rl_caption=\"\" data-rel=\"lightbox-gallery-2\"><img loading=\"lazy\" decoding=\"async\" width=\"1280\" height=\"853\" src=\"https:\/\/villas-guide.com\/wp\/wp-content\/uploads\/2026\/07\/young-woman-paying-bill-with-smartphone-at-coffee-.jpg\" class=\"attachment-full size-full\" alt=\"young woman paying bill with smartphone at coffee\" srcset=\"https:\/\/villas-guide.com\/wp\/wp-content\/uploads\/2026\/07\/young-woman-paying-bill-with-smartphone-at-coffee-.jpg 1280w, https:\/\/villas-guide.com\/wp\/wp-content\/uploads\/2026\/07\/young-woman-paying-bill-with-smartphone-at-coffee--300x200.jpg 300w, https:\/\/villas-guide.com\/wp\/wp-content\/uploads\/2026\/07\/young-woman-paying-bill-with-smartphone-at-coffee--1024x682.jpg 1024w, https:\/\/villas-guide.com\/wp\/wp-content\/uploads\/2026\/07\/young-woman-paying-bill-with-smartphone-at-coffee--768x512.jpg 768w, https:\/\/villas-guide.com\/wp\/wp-content\/uploads\/2026\/07\/young-woman-paying-bill-with-smartphone-at-coffee--600x400.jpg 600w\" sizes=\"auto, (max-width: 1280px) 100vw, 1280px\" \/><\/a>\n\t\t\t<\/div><\/figure><figure class='gallery-item'>\n\t\t\t<div class='gallery-icon landscape'>\n\t\t\t\t<a title=\"\" data-rl_title=\"\"  href='https:\/\/villas-guide.com\/wp\/wp-content\/uploads\/2026\/07\/five-mature-adults-talking-and-laughing-sitting-on-and-paying-the-bill.jpg' class=\"rl-gallery-link\" data-rl_caption=\"\" data-rel=\"lightbox-gallery-2\"><img loading=\"lazy\" decoding=\"async\" width=\"1280\" height=\"853\" src=\"https:\/\/villas-guide.com\/wp\/wp-content\/uploads\/2026\/07\/five-mature-adults-talking-and-laughing-sitting-on-and-paying-the-bill.jpg\" class=\"attachment-full size-full\" alt=\"five mature adults talking and laughing sitting on and paying the bill\" srcset=\"https:\/\/villas-guide.com\/wp\/wp-content\/uploads\/2026\/07\/five-mature-adults-talking-and-laughing-sitting-on-and-paying-the-bill.jpg 1280w, https:\/\/villas-guide.com\/wp\/wp-content\/uploads\/2026\/07\/five-mature-adults-talking-and-laughing-sitting-on-and-paying-the-bill-300x200.jpg 300w, https:\/\/villas-guide.com\/wp\/wp-content\/uploads\/2026\/07\/five-mature-adults-talking-and-laughing-sitting-on-and-paying-the-bill-1024x682.jpg 1024w, https:\/\/villas-guide.com\/wp\/wp-content\/uploads\/2026\/07\/five-mature-adults-talking-and-laughing-sitting-on-and-paying-the-bill-768x512.jpg 768w, https:\/\/villas-guide.com\/wp\/wp-content\/uploads\/2026\/07\/five-mature-adults-talking-and-laughing-sitting-on-and-paying-the-bill-600x400.jpg 600w\" sizes=\"auto, (max-width: 1280px) 100vw, 1280px\" \/><\/a>\n\t\t\t<\/div><\/figure>\n\t\t<\/div>\n\n<h2>Na\u0161 savjet za va\u0161 boravak u vili<\/h2>\n<p>Kad <a href=\"https:\/\/villas-guide.com\/hr\/\">rezervirate boravak preko VillasGuide<\/a>-a, sama vila i sve povezane usluge pla\u0107aju se karticom ili bankovnim transferom bez ikakvih komplikacija. No kad odlu\u010dite istra\u017eiti okolicu i nabaviti to doma\u0107e maslinovo ulje dobro je imati oboje pri ruci. Ako se tek spremate na put, bacite oko i na na\u0161 vodi\u010d <a href=\"https:\/\/villas-guide.com\/en\/blog\/travelling-to-croatia-everything-you-need-to-know\/\" target=\"_blank\" rel=\"noopener\">Travelling to Croatia: Everything you need to know<\/a>, gdje smo pokrili teme koje su relevantne svakog ljeta, poput cestarina i goriva.<\/p>\n<blockquote>\n<p style=\"text-align: center;\"><strong>\u0160to smo zaklju\u010dili? Gotovina ili kartica?<\/strong><\/p>\n<p style=\"text-align: center;\"><strong>U Hrvatskoj 2026. odgovaramo sa: <em>oboje, hvala<\/em>.<\/strong><\/p>\n<\/blockquote>\n<p><em>Za vi\u0161e inspiracije i prakti\u010dnih savjeta za va\u0161 boravak u Hrvatskoj, pogledajte ostatak teme na <\/em><a href=\"https:\/\/villas-guide.com\/hr\/blog\/\" target=\"_blank\" rel=\"noopener\">blogu<\/a><em>.<\/em><\/p>\n<p>&nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Stigli ste u Hrvatsku, raspakirali kofere, terasa vile \u010deka, ali odjednom vas mu\u010di pitanje: imam li dovoljno gotovine sa sobom, trebam li uop\u0107e gotovinu na odmoru, i mogu sve platiti karticom kao kod ku\u0107e? Odgovor je uglavnom &#8220;ovisi&#8221;. Evo \u0161to ka\u017eu podaci Hrvatske narodne banke i Europske sredi\u0161nje banke. Kartice su posvuda, ali gotovina se [&hellip;]<\/p>\n","protected":false},"author":9,"featured_media":14541,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[74],"tags":[147,162],"class_list":["post-14578","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-savjeti","tag-hrvatska","tag-putovanje"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.1 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Gotovina, kartica ili mobitel: Kako pla\u0107ati u Hrvatskoj u 2026. | VillasGuide<\/title>\n<meta name=\"description\" content=\"Gotovina ili kartica u Hrvatskoj ? 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