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. 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.
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:
The Croatian government guarantees payouts on these resources.
Players enjoy traditional lotteries, sports betting, online poker, bingo and slot machines.
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.
| Online casino license | Issued by the Ministry of Finance of the Republic of Croatia as a result of a tender |
| Laws |
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| Taxes | The gambling tax rate is 10% of the profit |
| Player Taxes | For lottery games (in kunas, HRK):
For games with bets:
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| 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 |
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:
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:
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.
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 required within three days.
The withdrawal 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.
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:
Complain about illegal operator actions or violations of a player’s rights can be made directly to the gaming regulator.
Not. The law of the Republic of Croatia requires foreign companies to undergo a licensing procedure.
Yes. The tax rate depends on the type of game and the number of winnings. Amounts up to 750 kunas are not taxed.
Contact the operator in writing or by e-mail. The application can download in the user's account.
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