On a budget, Sveti Jakov Beach still earns its price.
Free (loungers extra)
The local antidote to packed Banje — clearer water, more space, afternoon shade and one of the best framed views of the Old Town and Lokrum from the sand. The honest catch is the long staircase down (and the climb back up) deters the crowds for a reason, and it's a 20-minute walk or short cab from the centre. Worth the effort on a hot day.