Cash exchange machines

Always use an ATM attached to a bank that is currently open in case your card gets swallowed.
Never use a cash exchange machine.

https://www.ricksteves.com/travel-tips/money/cash-machine-atm-tips

In Croatia they are called Bankomat. We use ones associated with a bank to avoid fees.

As above, only use a mainline bank ATM. The 3 largest Croatian banks are listed in the post below titled “ Money in Croatia.”
There are many bright yellow ATM’s of companies who will fleece you on the exchange rate and service fees that can near 20% if you use them. They are everywhere in the heavily-touristed towns.

There are many bright yellow ATM’s of companies who will fleece you on
the exchange rate and service fees that can near 20% if you use them.
They are everywhere in the heavily-touristed towns.

There may be some like that. Dont know. From time to time out of laziness I use a "Euronet" brand machine. There is a service charge of about $3 and the exchange rate is about 5% worse. Not wise often, but in a pinch (or when too lazy to go 2 blocks up the street to the bank ATM) I loose $8 on $100. At the moment I rationalize it by telling myself the wine the money is about to buy (across the street from the machine) is about 40% less expensive than at home, so I am still in the black.

But yes, the bank machines are more economical. In the city I most frequent and in many others I have visited the bank machines are in a glass lobby. After hours you swipe a card, any card, at the door to unlock it. Okay, easy; but Americans stand there yanking on the door and it doesn't open. Then they try more cards, then they walk away. PUSH please. Europeans haven't standardized the Life Safety issue of exit doors swinging in the direction of panic.

Also a good point about during office hours so you can get your eaten card (maybe, dont know that they actually have a key for the box .... maybe). Some machines dont have a mechanism to suck the card in .... the Euronet if memory serves me correctly.