When I go to Croatia, I typically just buy a cheap flip phone and sim card at a newsstand kiosk (I think Hrvatski Telekom is the company). I can't remember how much they are, but I don't remember it being a lot. There are kiosks all over the place that sell cheap mobile phones and cards. Usually the person working there sets it up for me and it literally only takes 2 minutes. Just tell them how much money to put on it and if you run out, go to another kiosk and buy more minutes.
I am not sure about crossing the border though and if it works in other countries.
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