How to Rent a Car at Zagreb Airport Without a Credit Card
Traveling through Croatia and need a car from Zagreb Airport (ZAG) — but don’t have a credit card? Don’t worry! Many travelers face the same situation. This comprehensive guide explains how to rent a car without a credit card, what documents you need, which companies accept debit cards, and how to avoid hidden fees.
🚘 Why Rent a Car at Zagreb Airport
Zagreb Airport, officially Franjo Tuđman Airport, is Croatia’s busiest international hub. Located just 10 km from the city center, it’s the perfect place to start your Croatian road trip — whether you’re heading to the Adriatic coast, Plitvice Lakes, or exploring local villages.
Renting a car gives you full freedom to explore Croatia’s natural beauty at your own pace.
💳 Is It Possible to Rent Without a Credit Card?
Yes — but with conditions. While most car rental companies prefer credit cards for deposit and insurance reasons, some allow debit card rentals or even cash deposits.
Here’s how it usually works 👇
| Payment Method | Accepted by Most Companies? | Deposit Required? | Notes |
|---|---|---|---|
| Credit Card (Visa/MasterCard) | ✅ Yes | ✅ Yes | Standard rental option |
| Debit Card (Visa/MasterCard logo) | ⚠️ Sometimes | ✅ Yes | Must have sufficient balance |
| Prepaid Card | ❌ Rarely | ❌ | Often not accepted |
| Cash Deposit | ⚠️ Limited | ✅ High deposit | Only at local agencies |
| Digital Wallets (Revolut, N26) | ⚠️ Some | ✅ Yes | Must allow preauthorization |
🏢 Car Rental Companies at Zagreb Airport That Accept Debit Cards
Some companies at Zagreb Airport are flexible with payment methods. Below is a quick comparison table of rental providers that might allow debit card rentals in 2026 (always confirm in advance):
| Company | Accepts Debit Cards? | Minimum Deposit (€) | Additional Conditions |
|---|---|---|---|
| Sixt | ✅ Yes | 300–500 | Must show return flight ticket |
| Enterprise | ✅ Yes | 500+ | Requires full insurance |
| Alamo | ⚠️ Sometimes | 400–700 | Debit card must have embossed name |
| Oryx Rent a Car | ✅ Local | 300 | Croatian debit cards accepted |
| Last Minute Rent a Car | ✅ Yes | 400 | Must return car with full tank |
| Dollar/Thrifty | ⚠️ Occasionally | 500 | Check location-specific policy |
🪪 Required Documents
When renting without a credit card, you’ll need to present:
- Valid passport or ID
- Driver’s license (EU or international permit)
- Proof of return flight or accommodation
- Debit card in your own name
- Sometimes, a second ID (for fraud protection)
👉 Always bring printed booking confirmation — especially if paying with a debit card.
💰 Understanding Deposits and Insurance
Most rental companies pre-authorize a deposit on your debit card. This temporarily blocks funds (not withdraws) until the car is returned safely.
Typical Deposit Ranges
| Car Type | Deposit (€) | Insurance Recommendation |
|---|---|---|
| Economy | 300–500 | Basic insurance (included) |
| Compact/SUV | 500–900 | Collision Damage Waiver (CDW) |
| Premium | 900–1500 | Full coverage strongly recommended |
🧾 Tip: Some debit card issuers (like Revolut or Wise) refund blocked deposits faster than traditional banks.
✈️ Step-by-Step: How to Rent Without a Credit Card
- Search for rental companies that accept debit cards (Sixt, Enterprise, Oryx).
- Book online and specify “Pay with Debit Card.”
- Prepare documents (license, passport, debit card).
- Inspect the vehicle carefully before driving off — take photos!
- Return the car on time with a full tank to avoid extra charges.
🌍 Driving Tips in Croatia
🚦 Speed limits:
💸 Don’t Overpay at the Airport
Compare real-time rental deals with no hidden fees or credit card needed.
- Urban areas: 50 km/h
- Highways: 130 km/h
- Open roads: 90 km/h
⛽ Fuel: Diesel and unleaded available everywhere; self-service common.
💶 Tolls: Croatian highways use electronic toll booths; cash and cards accepted.
📱 GPS & Connectivity: Google Maps works offline; mobile data is reliable.
⚠️ Avoid These Common Mistakes
- ❌ Booking last minute during summer season
- ❌ Ignoring debit card deposit requirements
- ❌ Forgetting to check insurance coverage
- ❌ Returning car with fuel missing (big fines!)
✅ Always read rental terms before confirming payment.
🧭 Best Alternatives If You Don’t Have a Credit Card
| Option | How It Works | Ideal For |
|---|---|---|
| Local Agencies (Oryx, UniRent) | Often accept debit cards or cash | Budget travelers |
| Car Sharing Apps (Carwiz, AvantCar) | App-based with verified ID | Tech-savvy travelers |
| Airport Transfers | Fixed route service | Short stays |
| Train + Scooter Combo | Explore Zagreb city center | Solo travelers |
🧳 Returning Your Car at Zagreb Airport
The return process is simple:
- Follow “Car Rental Return” signs near Terminal B.
- Refuel before returning the car.
- Wait for the agent to check for scratches and mileage.
- Deposit refund usually appears within 3–7 business days.
💬 FAQ – Renting a Car at Zagreb Airport Without a Credit Card
Q1: Can I rent a car in Zagreb with a debit card only?
A1: Yes, many companies like Sixt and Enterprise accept debit cards with a refundable deposit.
Q2: Is a deposit mandatory if I use a debit card?
A2: Yes, typically between €300–900 depending on the car category.
Q3: Can I pay in cash?
A3: Only at smaller local companies, and often for older vehicles.
Q4: Do I need insurance when renting with a debit card?
A4: Full insurance is usually required since debit cards don’t offer the same protection as credit cards.
Q5: What happens if I cancel the booking?
A5: Cancellation policies vary — check your confirmation email or the rental provider’s website.
✅ Conclusion
Renting a car at Zagreb Airport without a credit card is entirely possible — you just need to plan ahead. Many major and local agencies accept debit cards, provided you meet their deposit and insurance requirements.
With the right preparation, your Croatian adventure can begin smoothly, from the airport straight to the Adriatic coast. 🌊🚗
