Hi Bosuncat,
I have a response regarding your questions!
- There are ATMs in nearby Cavtat. When it comes to bank cards in Croatia, Maestro as well as Visa and major credit cards should work.
- The trip to Montenegro is full day included excursion - there will also be some free time in Montenegro for lunch and shopping.
- For the Mostar, you should book this just to get to see Bosnia and Herzegovina! For Bosnia, Euros will be ok but if you would prefer, you can use kuna or Euro to change it locally to Marka if needed with the help of the TM.
I hope this helps.
Kindest regards,
Monty