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It's the perennial question - if you're heading outside the eurozone, should you take euros or local currency?
Here's what to do in Croatia. Advice about how best to organise your holiday money for Croatia is often conflicting and confusing. Even though Croatia is now part of the European Union, and is committed in time to joining the single currency, at present the currency remains the kuna code HRK. I recommend that you use cash as much as possible, in order to be fully aware of the rate of exchange and not subject to bank fees — as you would do if you use a debit card, and most UK-issued credit cards.
The first essential is not to get Croatian kuna in large quantities in the UK, unless you shop around and get a rate close to the spot rate. Rather than the faff of arranging funds in advance, I suggest you simply change as you go along. There is intense competition between foreign exchange agencies in Croatia, so you can shop around and find excellent rates.
Note that you may need to order the currency in advance. Estimate your likely spending bearing in mind that Croatia is significantly more expensive than other parts of the former Yugoslavia , add on a little for contingencies, and take it in cash.
Keener rates are available for euros — to which the kuna is pegged — than pounds. So if you have some spare euros and do not intend to go to a euro country soon then you might as well bring them.