ATMs are widely available throughout Croatia; just look for a Bankomat sign. Most large restaurants and hotels accept credit cards. However, smaller businesses or private accommodations often only take cash, so it’s wise to have some on you. Large businesses widely accept Visa, Mastercard, and Diners, though they less frequently accept American Express. Before you leave home, check your bank network, find out your daily withdrawal limit, and keep in mind that banks may charge fees for a card used at another bank’s ATM—a fee that may be higher for international transactions. Also, a 4-digit PIN is required to withdraw money in Croatia.