Page 36 - Crossroads of the Adriatic: Croatia, Montenegro, Bosnia & Herzegovina, and Slovenia

Lastly, don’t forget to memorize the actual digits of your card’s PIN number (many keypads at
foreign ATMs do not include letters on their keys—they only display numbers.)

Croatia: ATMs are available throughout large cities and small towns in Croatia.

Montenegro: ATMs are widely available throughout large cities and small towns in
Montenegro.

Bosnia and Herzegovina: ATMs are readily available throughout Bosnia and Herzegovina.

Slovenia: ATMs are available throughout large cities and small towns in Slovenia.

Albania: ATMs can be easily found in large cities and small towns but can be scarce in
rural villages.

Serbia: ATMs can be readily found in large cities and small towns but can be scarce in
rural villages.

Credit & Debit Cards

Even if you don’t plan on using a credit card during your trip, we still suggest that you bring
one or two as a backup, especially if you are planning a large purchase (artwork, jewelry).
We also suggest that you bring more than one brand of card (i.e. Visa, MasterCard, American
Express) if possible, because not every shop will take every card. For example, although the
Discover card is accepted in some countries outside the U.S., it is not widely adopted, so other
brands will work at a much larger range of stores, restaurants, etc.

Croatia: Credit cards are widely accepted throughout Croatia, though you may need cash for
small purchases or at markets.

Montenegro: Credit and debit cards are readily accepted throughout Montenegro.

Bosnia and Herzegovina: Credit cards are readily accepted in Bosnia & Herzegovina. However,
some smaller businesses, such as street vendors, local restaurants, or “Mom and Pop” stores,
may be “cash only.” Cash only establishments are more common in the countryside than in
cities. If you don’t see a credit card logo on the door or the cash register, then check with the
cashier or server.

Slovenia: Credit and debit cards are widely accepted throughout Slovenia. You may still need
cash for small purchases or at markets.

Albania: Credit cards are becoming more common in Albania, but there are still some smaller
businesses and local restaurants that may require cash. Cash only establishments are more
common in the countryside than in cities. If you don’t see a credit card logo on the door or the
cash register, then check with the cashier or server.

Serbia: Credit cards are readily accepted in Serbia. However, some smaller businesses, such
as street vendors, local restaurants, or “Mom and Pop” stores, may be “cash only.” Cash only
establishments are more common in the countryside than in cities. If you don’t see a credit
card logo on the door or the cash register, then check with the cashier or server.

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