Money

It's always advisable to bring money in a variety of forms on a vacation: a mix of cash, credit cards, and traveler's checks. You should also exchange enough petty cash to cover airport incidentals, tipping, and transportation to your hotel before you leave home, or withdraw money upon arrival at an airport ATM.

In many international destinations, ATMs offer the best exchange rates. Avoid exchanging money at commercial exchange bureaus and hotels, which often have the highest transaction fees.

Currency

The Croatian national currency is the kuna, which is made up of 100 lipa. With Croatia's anticipated E.U. membership in process, many Croatian businesses are beginning to express their prices in euros and kuna, though euros are not yet widely accepted. Foreign currency can be exchanged at post offices, banks, and exchange offices. Numerous hotels and travel agencies also will exchange currency, but beware of the service charges, which can be as high as 3%. To convert prices in kunas to prices in U.S. dollars, go to www.xe.com/ucc.

For American readers -- At this writing, $1 = 5.4kn (or 1kn = approximately 19¢), and this was the rate of exchange used to calculate the dollar values given in this guide.

For British readers -- At this writing, 1kn = approximately 0.09 British pounds and £1 = 10.71kn.

Regarding the euro -- At this writing, 1€ = $1.40 or 7.3kn. Many Croatian establishments express their prices in both euros and kunas for the convenience of European tourists.

For the latest on exchange rates, you can go online to www.xe.com.

ATMs

The easiest and best way to get cash away from home is from an ATM (automated teller machine, aka Bankomat in Croatia). The Cirrus (tel. 800/424-7787: www.mastercard.com) and PLUS (tel. 800/843-7587: www.visa.com) networks span the globe; look at the back of your bank card to see which network you're on, then call or check online for ATM locations at your destination. Be sure you know your personal identification number (PIN) before you leave home, and be sure to find out your daily withdrawal limit before you depart. Also keep in mind that many banks impose a fee every time a card is used at another bank's ATM, and that fee can be higher for international transactions ($5 or more) than for domestic ones (where they're rarely more than $3). On top of this, the bank from which you withdraw cash may charge its own fee. To compare banks' ATM fees within the U.S., use www.bankrate.com. For international withdrawal fees, ask your bank.

Traveler's Checks

Traveler's checks are something of an anachronism from the days before the ATM made cash so easily accessible. Traveler's checks used to be the only sound alternative to traveling with large amounts of cash. They were as reliable as currency but unlike cash, they could be replaced if lost or stolen.

These days, traveler's checks are less necessary because most cities have 24-hour ATMs that allow withdrawals of small amounts of cash as needed. However, keep in mind that you will likely be charged an ATM withdrawal fee if the bank is not your own, so if you're withdrawing money every day, you might be better off with traveler's checks -- provided that you don't mind showing identification every time you want to cash one.

You can get traveler's checks at almost any bank. American Express offers denominations of $20, $50, $100, $500, and (for cardholders only) $1,000. You'll pay a service charge ranging from 1% to 4%. You can also get American Express traveler's checks over the phone by calling tel. 800/221-7282; Amex gold and platinum cardholders who use this number are exempt from the 1% fee.

Visa offers traveler's checks at Citibank locations nationwide, as well as at several other banks. The service charge ranges between 1.5% and 2%; checks come in denominations of $20, $50, $100, $500, and $1,000. Call tel. 800/732-1322 for information. American Automobile Association (AAA) members can obtain Visa checks for a $9.95 fee (for checks up to $1,500) at most AAA offices or by calling tel. 866/339-3378. MasterCard also offers traveler's checks. Call tel. 800/223-9920 for a location near you.

Foreign currency traveler's checks are useful if you're traveling to one country, or to the euro zone; they're accepted at locations such as bed-and-breakfasts where dollar checks may not be, and they minimize the amount of math you have to do at your destination. American Express, Thomas Cook, Visa, and MasterCard offer foreign currency traveler's checks. You'll pay the rate of exchange at the time of your purchase (so it's a good idea to monitor the rate before you take the plunge), and most companies charge a transaction fee per check order (and a shipping fee if you order online).

If you choose to carry traveler's checks, be sure to keep a record of their serial numbers separate from your checks in the event that they are stolen or lost. You'll get a refund faster if you know the numbers.

Another option is the new prepaid traveler's check cards, reloadable cards that work much like debit cards but aren't linked to your checking account. The American Express Travelers Cheque Card, for example, requires a minimum deposit, sets a maximum balance, and has a one-time issuance fee of $14.95. You can withdraw money from an ATM (for a fee of $2.50 per transaction, not including bank fees), and the funds can be purchased in dollars, euros, or pounds. If you lose the card, your available funds will be refunded within 24 hours.

Credit Cards

Credit cards are a safe way to carry money: They provide a convenient record of all your expenses, and they generally offer relatively good exchange rates. In Croatia, credit cards are accepted by most hotels and restaurants in larger cities, but they generally are not accepted for private accommodations or in rural areas. In addition, some establishments that accept credit cards will offer a discount if you pay in cash. You can withdraw cash advances from your credit cards at banks or ATMs, provided you know your PIN. If you've forgotten your PIN, or didn't even know you had one, call the number on the back of your credit card and ask the bank to send it to you. It usually takes 5 to 7 business days, though some banks will provide the number over the phone if you tell them your mother's maiden name or some other personal information. Keep in mind that when you use your credit card abroad, most banks assess a 2% fee above the 1% fee charged by Visa or MasterCard or American Express for currency conversion on credit charges. But credit cards still may be the smart way to go when you factor in things like exorbitant ATM fees and higher traveler's-check exchange rates (and service fees).

Visa, MasterCard, Diners Club, and American Express credit cards are accepted in most Croatian establishments that accept plastic. The Maestro debit card is also widely accepted.