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Online gambling is allowed for local and international operators when obtaining a license
The online gambling segment in Croatia is open to two categories of operators - residents and international brands. The key condition for access is a local license/concession issued under the supervision of the Ministry of Finance, plus compliance with technical and behavioral standards: certification of platforms and content, remote fiscal accounting, KYC/AML, default RG tools and correct advertising. This model combines investment inflows and technology exports with high consumer protection.
1) Who can get a license
Local companies. Legal entity in Croatia with a transparent ownership structure and confirmed sources of funds.
International operators. Allowed when fulfilling the same requirements (often through a local subsidiary or registered representative office) and passing a full compliance audit.
B2B providers. Platform providers (RGS), RNGs, and games are allowed through certification; working with B2C operators - on approved integrations.
2) What exactly is allowed online
Online casinos. Slots, roulette, blackjack, baccarat, poker (including live formats) - with certified games and studios.
Online betting/betting. Prematch and live, statistical markets, bet builders - within the approved settlement rules.
Satellite services. Bonus programs, tournaments, jackpots, VIP-statuses - under transparent conditions and without "dark patterns."
3) Licensing and technical requirements (core)
Admission package. Capital and sources of funds, beneficiaries, financial model, RG/AML policy, IT architecture and DR plan, data security.
Certification. RGS/RNG and games - in accredited laboratories; version logs and change control.
Fiscal accounting. Integration with government gateways for remote monitoring of turnover and incidents.
Player interface. Mandatory "buttons" RG (limits, timeout, self-exclusion, reality check) in 1-2 clicks.
4) KYC/AML and data protection
KYC "to limits." Verification of age and personality on onboarding; when increasing limits - address and source of funds.
AML monitoring. Tracking anomalies (multi-account, bonus abuse, fast deposit-withdrawal cycles), reporting on suspicious transactions.
GDPR. Encryption in transit/storage, segregation of accesses, retention, right to delete/correct, audit logs.
5) Payments and conclusions
Methods. Bank cards, e-wallets, bank transfers and local solutions; for crypto - compliance restrictions/additional requirements are possible.
Principles. Symmetry of input/output, understandable terms and commissions, transparent transaction statuses in the personal account.
VIP circuit. Confirmation of sources of funds and increased monitoring of large operations.
6) Advertising and promo
Limitations. Time and content frames, prohibition of targeting minors and vulnerable groups, mandatory RG warnings.
Bonuses. Visible vager, timing, minimum odds/exceptions; without hidden conditions and aggressive retarget.
Affiliates. They are jointly and severally responsible for the correctness of communications.
7) Taxes and fees (general logic)
Concession/licensing fees + taxes per activity (casino/betting/lottery).
Taxation of winnings for players - according to established thresholds and bets (the operator acts as an agent, where provided).
Reporting. Periodic reports and audits for the regulator and the tax service.
8) Responsible Play (RG) - "default"
Toolbox. Deposit/loss/time limits, timeouts, self-exclusion, reality checks.
Ladder interventions. From soft notifications to pauses for signs of "chasing" and night marathons.
Personnel training. Scenarios for supporting vulnerable clients, XAI explanations of the reasons for checks and restrictions.
9) Practical checklist for operator (local or foreign)
1. Legal structure and capital. Transparent beneficiaries, confirmed sources of funds.
2. Technical base. Certified RGS/RNG/games, fault tolerance, DR plan, monitoring, bug-bounty.
3. Fiscal interfaces. Connection to gateways, correct aggregation of turnover, incident logs.
4. KYC/AML. Biometrics/selfie verification, address, source of funds for VIP, decision logs and SLA deadlines.
5. RG core. Limits "from onboarding," simple self-exclusion, public RG-KPIs.
6. Payments. I/O symmetry, transparent commissions, predictable timing; test payments before large-scale campaigns.
7. Advertising. Layouts with RG disclaimers, honest bonus conditions, control of affiliates.
8. Support. 24/7 in the local language, ticket tracking, the reasons for failures are clearly explained.
10) A guide for the player
Play only with operators with a Croatian license/concession.
Pass KYC before a large deposit; Use the same I/O method.
Include limits and reality check; don't "catch up" with losing.
Read the terms of the bonus before activation; keep a history of transactions and screenshots of rules.
In a dispute, first support, then available mediation channels.
11) Market Growth Points
Digital surveillance. Deeper remote monitoring of online turnover and SLA metrics.
Unified registries. Compatibility of self-exclusion lists between all licensed operators.
Live content. Clear studio standards and recertification; protection against delays and manipulations.
ESG. Energy efficiency, local procurement, personnel academies for service, compliance and analytics.
Inference. Croatia offers a transparent and open mode for online gambling: both local and international operators are allowed to enter the market - when obtaining a license/concession and observing strict rules of technological reliability, KYC/AML, Responsible Gaming and honest advertising. For players, this means security and predictability, for business - clear rules and a stable development horizon.