Paid for various things so far in stores using POS terminals – everything went fine.
The exchange rate seems OK, though I need to monitor for a bit longer to be sure.
I also intend to try the various ATM networks and report back here.
So far I’ve tried ATMs owned by Zagrebacka Banka (ZABA), and they work fine. The ATMs recognize the card as a GBP card, and offer a popup asking whether you want to be charged in GBP or HRK. It also says that if you choose GBP you will be charged a fee, I think 2% and also displays the exchange rate. Just choose HRK (Croatian Kuna) and you will be fine. The ATMs don’t seem to charge anything extra to the user, apart from what they charge Revolut.
As of time of writing, Revolut doesn’t yet support HRK balances or transferring/exchanging money into an HRK bank account. Transferwise have recently started supporting HRK, so I hope to see it soon in Revolut too.
I’ve just had the card for two weeks – so far so good.