You've probably found an old stash of cash in a travel drawer or maybe you're just looking at historical data for a business project. Either way, the "Croatian krona" (actually called the Kuna) feels like a ghost currency lately.
Wait.
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Let’s be precise. It isn’t "krona"—that’s Swedish or Danish. In Croatia, it was the Kuna (HRK). And if you’re looking for a live exchange rate to go buy a coffee in Split right now, you’re about three years too late.
The Big Switch: What Really Happened
Croatia officially joined the Eurozone on January 1, 2023. Since then, the Kuna has been relegated to the status of a souvenir. For the first two weeks of 2023, you could still use both, but after January 14, the Euro became the only show in town.
So, why are people still searching for the Croatian Kuna to USD rate in 2026?
Mostly, it’s about leftovers. People find a 200 HRK note and wonder if it’s worth a steak dinner or just a bookmark.
The Math: Converting Your Old Stash
The rate is no longer "live" in the way the Euro or Yen is. It is fixed. When Croatia swapped currencies, they locked the rate at 7.53450 Kuna for 1 Euro.
If you want the USD value, you have to do a two-step dance:
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- Convert your Kuna to Euro using that fixed rate ($7.53450$).
- Convert that Euro amount to US Dollars using today's market rate.
Honestly, as of early 2026, the Euro has been hovering around $1.16 USD. If you do the math on a 100 Kuna note, you’re looking at roughly $11.45 USD. Not a fortune, but definitely worth a nice lunch.
Can You Still Actually Exchange It?
This is where it gets tricky.
If you walk into a random Chase or Bank of America in the States with Kuna, they’ll probably look at you like you’ve brought them Monopoly money. Most commercial banks globally stopped handling HRK long ago.
Even in Croatia, the window for easy exchanges has narrowed.
- Commercial banks and post offices in Croatia stopped taking Kuna on December 31, 2023.
- The Croatian National Bank (HNB) is now your only official option.
The good news? They will exchange Kuna banknotes indefinitely. You can literally walk in ten years from now with a paper note and get Euros. The bad news? If you have Kuna coins, you’re likely out of luck. The deadline for coins was the end of 2025.
Business and "Phantom" Rates
For businesses tracking historical performance or settling old debts, the Croatian Kuna to USD exchange rate remains a line item in accounting software.
You’ll still see HRK/USD listed on sites like Xe or OANDA. These are "synthetic" rates. They take the current Euro/USD price and apply the fixed conversion factor. It’s useful for bookkeeping, but don’t expect a local currency booth to honor it without a massive fee.
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Why This Matters for Your Next Trip
If you're heading to the Dalmatian Coast this summer, leave the Kuna at home. Croatia is fully integrated into the Schengen Area and the Eurozone.
Prices have nudged upward—locals call it "rounding up," but let's be real, it's inflation. A coffee that used to be 10 Kuna ($1.40$) is now often 2 Euros ($2.32$).
Actionable Steps for Your Old Kuna
If you are sitting on a pile of old Croatian currency, here is exactly what you need to do:
- Check the Type: Is it paper or metal? Banknotes are still "gold"; coins are basically decorations at this point.
- Mail it (If You Dare): The Croatian National Bank allows you to send banknotes via registered mail for exchange if you aren't planning a trip to Zagreb soon. Check their official HNB website for the current mailing instructions.
- Check "Buy Back" Sites: Some specialized online currency collectors (like Manor FX) still buy "obsolete" currencies. You won't get the mid-market rate, but it beats a paperweight.
- Travel Prep: If you're going to Croatia, just bring a debit card with no foreign transaction fees. The country is incredibly digitized now, though keeping a few 5 or 10 Euro notes for island gelato is always smart.
The era of the Kuna is over. It’s all about the Euro-Dollar pairing now.