Gdje se nalazi mjenjachnica za strane valute?

So I'm living in an apartment in Novi Zagreb (New Zagreb), the part of town where many students and young people live. Trams are filled with skinny jean-wearing Croatian hipsters, with stripes, huge sunglasses and all-together stylish ensembles. Things were going pretty naturally, as I figured out the tram system with little to no difficulty and can get to and from the main square. So today, in all of my confident glory, I go to the market, as I would in the States. Wonderful! No one speaks English here. Ok, so I struggle to ask for ham and cheese, but we work it out. I go to the cashier and lo and behold, I thought I had more kunas than I did. The nervousness/anxiety/embarassment associated with such encounters kicks in.... Thankfully the guy behind me in the line spoke English and was able to say, "She left her money elsewhere. She'll come back." How was I supposed to say I didn't have enough Kunas? So I frantically walk to the apartment, call my roommate, who tells me to take the tram three stops down to the mall to find a mienjachnica--an exchange office.
I get to the bank and exchange my money. Still feeling a little anxious, drop my money on the ground. And when I finally return to the store they have my groceries packed away nice and neatly while saying something about la Inglesa (the English-speaker?). But no! I'm a Spanish-speaker too, darnit! Oh yea, I forgot, that doesn't count for anything here.