Most ATM machines have the Visa, Delta or Mastercard sign. I am using my cashpoint card (not credit card), that has the Visa symbol on it, and it works fine. I just used it 5 minutes ago, yes I am in Dubrovnik
. This place is superb. Be careful what your bank will charge you, my bank will charge me 3% for the transaction and Visa will charge me 2% = 5% total. I switched accounts to the Nationwide Flexaccount (UK), and there is no charges at all. When you come to Dubrovnik look out for the bar that is located overlooking the sea, you go through a hole in the city wall, sign saying cold drinks with the most beautiful view, it it sooo relaxing there.