Online casinos in Croatia

The online gambling business in Croatia began to develop in 2015. At this time, the government passed amendments to the Law on Gambling. The gambling market regulation is under the authority of the Ministry of Finance of the Republic of Croatia [1]. The government takes part in the management of the gambling sphere.

Casinos in the country may open by the state-owned commercial company Hrvatska Lutrija doo. Private enterprises with official representations in the republic can also obtain permits — licenses issued based on a tender.

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The state gambling portal Lutrija offers traditional and instant lotteries, bets on sports or random events, slot machines. There is a system of bonuses: free tickets or combinations, extra spins, raffle prizes.

The state-owned company Hrvatska Lutrija doo owns:

  • Score Alarm HL app.

The Croatian government guarantees payouts on these resources.

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Players enjoy traditional lotteries, sports betting, online poker, bingo and slot machines.

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Manufacturers of casino software in the Republic of Croatia must obtain certificates. The Croatian Ministry of Finance issues permits.

Software providers collaborate with the state on a contract basis.

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Legislation of online casinos in Croatia

Online casino license Issued by the Ministry of Finance of the Republic of Croatia as a result of a tender
  • Zakon o igrama na sreću [2] (Law on Gambling), effective from 01.01.2015 .
  • Pravilnik O PRIREĐIVANJU IGARA KLAĐENJA NA DALJINU [3] (Code of Rules for the Organization of Remote Games) from 2010.
  • Opća pravila sudjelovanja u igrama HL putem interneta [4] (General rules for participation in online games) from 2017.
Taxes The gambling tax rate is 10% of the profit
Player Taxes

For lottery games (in kunas, HRK):

  • from 0 to 750 — 0%;
  • from 750 to 10,000 — 10%;
  • from 10,000 to 30,000 — 15%;
  • from 30,000 to 500,000 — 20%;
  • over 500,000 — 30%.

For games with bets:

  • from 0 to 10,000 — 10%;
  • from 10,000 to 30,000 — 15%;
  • from 30,000 to 500,000 — 20%;
  • over 500,000 — 30%
Responsibility for illegal gambling

Licensees for non-compliance with the terms of the contract, penalties from 25,000 to 50,000 HRK applied.

The responsible person of the licensee pays between 5,000 and 50,000 HRK.

Individuals fined between 30,000 and 100,000 HRK.

For gambling without a license — from 5,000 to 500,000 HRK

Languages Croatian, English
Payment systems Special PBZ terminals;
transfers to Visa, MasterCard, Maestro cards;
Aircash wallet

Online casino: Croatian regulatory policy

The functions of the gambling regulator perform by the Ministry of Finance and the Republic of Croatia, guided by Zakon o igrama na sreću (after this — the Law). The government has issued additional by-laws governing the organization of each permitted type of gambling entertainment, including online casinos.

Adult players (over 18 years old) can play in online casinos. They must be registered and identified.

In the online casino of Croatia you can play in:

  • Lotteries (classic, commodity, instant).
  • Different varieties of lotto.
  • Toto and its variations (sports forecast).
  • Bingo.
  • Keno
  • Betting (on different results, events).
  • Games against casinos or visitors on gaming tables (for example, balls, cards or dice, roulette, baccarat).
  • Slot machines.

Local organizations can get permission to open an online casino — the Government of Croatia grants license after a tender. The application considered within 60 days.

Licensees prohibited from:

  • advertise casinos on the Internet on resources for minors;
  • use uncertified software
  • provide loans to users;
  • cooperate with suppliers that do not have permits for activity.

The Ministry of Finance may request an independent software compliance check.

Foreign companies cannot provide or advertise online gaming services in the Republic of Croatia (Section 68 of the Law). Foreign citizens and persons temporarily residing in the country can play in international online casinos.

The licensee company servers must locate in Croatia and, in real-time, transmit information to the regulator about registered players, bets made, and winnings paid.

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Registered users can set the number of expenses or losses for the selected period.

The player can contact the operator for suspension from the game for six months, one year, five years, or until the application (list self-excluded players). Confirm the request for self-exclusion [5] required within three days.

The withdrawal [6] of the restriction must be submitted by the player in writing or by electronic notification.

Free treatment of ludomania carried out based on state medical institutions and humanitarian organizations.

Ministry of Finance of the Republic of Croatia
Ministry of Finance of the Republic of Croatia
Croatian Association of Game Organizers
Croatian Association of Game Organizers
Zagrebu, Tratinska 2
St. Ivan Psychiatric Hospital
St. Ivan Psychiatric Hospital
Jankomir 11, pp 68, 10 090 Zagreb

User identification is made by the electronic tax administration service (e-Tax) or by the debit cardholder (via the automated payment system). Bets made through a personal account. At the request of the visitor, funds must withdraw from the site within three days.

You can replenish the account of the game account and receive winnings: in cash (through individual terminals), direct bank transfer, or electronic payment systems.

To settle with players, operators must use an account opened with a legal, financial institution in Croatia. Winnings may pay into the player's registered account. The site indicates one account.

Licensees must post information about:

  • organizer location
  • license and certification data;
  • game rules;
  • the process of making bets and withdrawing funds;
  • conditions for the processing of personal information and data protection;
  • responsible game rules;
  • Support Contact;
  • the ability to set limits and self-exclusion.
  • The user must continuously have access to information on the size of committed bets and profit.

Complain about illegal operator actions or violations of a player’s rights can be made directly to the gaming regulator.

Ministry of Finance
Ministry of Finance
Katančićeva 5 10 000 Zagreb Hrvatska
FAQ about Online Casinos in Croatia
Are online cross-licensing establishments legal in Croatia?

Not. The law of the Republic of Croatia requires foreign companies to undergo a licensing procedure.

Are Croatian casino winnings taxed?

Yes. The tax rate depends on the type of game and the number of winnings. Amounts up to 750 kunas are not taxed.

How to apply for self-excluded players in Croatia?

Contact the operator in writing or by e-mail. The application can download in the user's account.