You can pay in Kuna at any place or for any service or product you use. In some places you can pay in Euro or dollars. Be sure to establish the method of payment in advance if you wish to pay in any other currency than Kuna .
Banks (banka) are generally open Monday to Friday 7.30 AM-7 PM (often with a break for lunch), and Saturday 7.30-11.30 AM. Money can also be changed in post offices, travel agencies and exchange bureaux (mjenjacnica), which have more flexible hours. Credit cards are generally accepted in hotels and restaurants, but be sure to ask before you order. You can also use ATM to get cash. Many banks have ATM in front of their building.
How do I use the ATM machines and is ti safe
When a foreign card is inserted into the ATM machine, there is usually a choice of languages. The exchange rate you'll receive will be far, and there may only be a small service charge, which depends on your bank back home. You can check this with your bank before travelling. Local banks sometimes also charge an operating fee on top of this. WARNING: When approaching the ATM machine make sure that the card reader looks normal, there have been cases of card frauds in Dubrovnik when a card skimmer was being used. If in doubt you can always go to the nearest bank and make your cash withdrawal.
A list of post offices and banks in Dubrovnik and Dubrovnik region is available here.