Croatia is a rather special case compared to earlier changeovers: it is the first changeover taking place in a high-inflation environment in the euro area. This possibly makes it easier for firms to charge more than would be justified by increases in costs or surges in demand.

Croatia has seen a significant increase in prices since joining the Eurozone and the Schengen Area in January 2023. The transition to the Euro led to "rounding up" by many businesses, a common phenomenon during currency transitions. Furthermore, Croatia has become one of Europe's top luxury destinations, with cities like Dubrovnik and Hvar attracting high-spending international tourists, which drives up the cost of dining, accommodation, and services. The country also faces high seasonal demand; since a huge portion of its GDP is tied to tourism, businesses often raise prices during the summer months to compensate for the quieter winter season. Additionally, Croatia has a high Value Added Tax (VAT) rate of 25%, one of the highest in the EU, which is applied to most goods and services. Supply chain issues and inflation, which have affected all of Europe in recent years, also play a role. While the coast is notoriously expensive, more affordable options can still be found in the interior regions and smaller, less-frequented towns away from the major tourist hotspots of the Adriatic.