During a Balkan trip, where should you get and use currency, bank cards, internet packages, and SIM cards?
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Enjoy a hassle-free trip to the Balkans with expert Gezpoint advice on currency, bank cards, internet plans, and SIM card use.
The Balkans... This unique region, where history, culture and nature come together and every corner has its own beauty, has become one of the most popular Balkans trip destinations in recent years. When planning a Balkans tour that takes you from the historic streets of Kosovo to Croatia’s Adriatic coast, Montenegro’s fjords and the green valleys of Bosnia and Herzegovina, one of the most important practical details to consider is undoubtedly the use of currency, bank cards, data plans and SIM cards. At Gezpoint, we’re sharing our expert advice on all these topics to help you enjoy every moment of your Balkans trip without a hitch!
Currency Options in the Balkans: Cash or Card?
The Balkans isn’t a region where you can take care of everything using just one currency. While countries such as Croatia, which is a member of the European Union, use the euro, other countries have their own national currencies. This variety makes it essential to research currency in the Balkans before your trip.
Which Currency Is Used in Each Country?
Croatia: Euro (EUR) Serbia: Serbian dinar (RSD) Bosnia and Herzegovina: Convertible mark (BAM - KM) – pegged to the euro. Montenegro: Euro (EUR) North Macedonia: Macedonian denar (MKD) Albania: Albanian lek (ALL) Kosovo: Euro (EUR)
As you can see, you’ll encounter different currencies depending on your itinerary. Local currencies are widely used, especially in countries such as Serbia, North Macedonia and Albania.
Cash: How Much Should You Bring?
Although bank cards in the Balkans are widely accepted in major cities and tourist areas, cash is generally preferred in small towns, local markets and on public transport such as buses and taxis. We therefore recommend carrying some local currency or euros with you. Cash can be a lifesaver, especially in emergencies or for small purchases.
Currency Exchange and ATM Use
You can exchange money for local currency at currency exchange offices or banks. Exchange offices at airports generally charge high commissions, so it’s more economical to use local banks or trusted exchange offices in city centers. ATMs in the Balkans are widely available, and you can withdraw cash with your bank card. However, remember to take into account your own bank’s international transaction fees and the local bank’s ATM fees. Most ATMs don’t let you withdraw euros or dollars; you’ll withdraw the local currency.
Using Bank and Credit Cards: Things to Keep in Mind
In the Balkans, credit cards in the Balkans and debit cards are generally accepted at major hotels, restaurants and shopping centers. Visa and Mastercard are the most widely accepted card types. However, it’s important to always have a backup plan.
Let Your Bank Know!
Before you travel, be sure to contact your bank to enable your cards for use abroad and let them know your travel dates. Otherwise, your cards could be blocked for security reasons. Also, remember to ask about international transaction fees and exchange rate policies. Some banks may offer lower fees for purchases made abroad.
Contactless Payments and Digital Wallets
Contactless payments and even mobile payment options (Apple Pay, Google Pay) are becoming more common in developed cities. However, as these may not be accepted everywhere, don’t rely on them as your primary payment method—be sure to use traditional cards and carry cash as well.
Data Plans and SIM Cards: Ways to Stay Connected
An internet connection is essential during your Balkans trip for using maps, keeping in touch with loved ones or sharing your memories as they happen. So, what are the best options for Balkans data plans and Balkans SIM cards?
Roaming or a Local SIM Card?
Your Turkish carrier’s roaming charges are generally quite high. So, especially if you’re planning a longer trip, getting a local SIM card is the most sensible and economical solution.
Where Can You Buy a Local SIM Card?
Airports: You can often find mobile carrier sales outlets at the airports where you land. Although it’s quick and easy, prices may be slightly higher than in city centers. Carrier Stores: Official carrier stores in city centers (such as A1, Telenor, Telekom and Vodafone, which operate across the Balkans or under country-specific names) are the most reliable and generally the most affordable option. You can easily buy a SIM card with your passport. Kiosks and Grocery Stores: SIM cards may also be available at kiosks or large grocery store chains in some places, but the activation process at these locations can be a little more complicated.
The Benefits of eSIM
If your phone supports eSIM, you can buy an eSIM plan online before your trip and get internet access without inserting a physical SIM card. This is especially convenient if you’re visiting multiple countries and don’t want to change physical SIM cards each time. International eSIM providers such as Airalo and Holafly offer a range of plans for the Balkans.
Using Wi-Fi
Free Wi-Fi is available at hotels, cafés, restaurants and some public spaces. However, be cautious when using public Wi-Fi networks due to security concerns, and avoid sharing sensitive information.
Gezpoint Expert Tips for a Perfect Balkan Experience
A Mix Is Best: Don’t rely only on cash or cards. Carry both cash (in local currency and euros) and one or two different bank or credit cards. Small Amounts of Local Currency: Keeping a small amount of local currency on hand as you enter each country can be very useful for taxis and purchases from small businesses. Check Exchange Rates: Check current exchange rates before exchanging money or withdrawing cash from an ATM. Notify Your Bank: Make sure your cards are enabled for use abroad. Bring Your Passport When Buying a SIM Card: Keep your passport with you when buying a local SIM card. Most countries don’t sell SIM cards without identification. Bring a Spare Charger/Power Bank: Your phone may run out of charge quickly if you use the internet and maps a lot. Be sure to bring a power bank.
A Balkans trip has never been this easy and accessible! At Gezpoint, we offer not only itineraries but also all the practical information you need for a hassle-free trip.
Discover the Balkans with Gezpoint!
Are you ready to experience the enchanting atmosphere of the Balkans? Gezpoint Balkans tours are specially designed to help you discover the region’s most beautiful cities, historic heritage and natural beauty with expert guides. Enjoy the moment without worrying about details such as currency, card use or internet access. Visit our Gezpoint Balkans Tours page now to plan your dream trip and embark on an unforgettable Balkans tour!