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Online gambling: fully legalized
The online gambling market in Croatia is completely legal, subject to state requirements. Online casinos, live formats and online bets (prematch/live) are allowed - for operators with a local license/concession, certified platforms and content, connection to fiscal interfaces and implemented Responsible Gaming (RG). The model combines openness to investment and strict supervision, creating predictable conditions for players and businesses.
1) What is allowed online
Online casinos: slots, roulette, blackjack, baccarat, poker; live tables - subject to technical standards.
Online bets: prematch and live, statistical markets, bet builders.
Tournaments/jackpots/promos: acceptable with transparent rules, without "dark patterns."
2) Who can work in the market
Local operators (Croatian legal entity) and international brands through a local structure - on the same terms.
B2B providers (RGS, RNG, live dealer studios) - for certification and contracts with licensed B2C.
3) Licensing and technical requirements
License package: beneficiaries and sources of funds, capital, financial model, RG/AML policy, IT architecture and DR plan.
Certification: RGS/RNG/games - in accredited laboratories; version and change logging.
Fiscal interfaces: connection to state gateways for remote accounting of turnover and events.
Uptime and incidents: SLA regulations, notification and recovery protocols.
4) KYC/AML and data protection
Onboarding: age and identity checks; in case of increasing limits - address and source of funds (SoF/SoW).
Anti-fraud: multi-account monitoring, bonus abuse, deposit-withdrawal cycles; reporting on suspicious transactions.
GDPR: encryption, segregation of accesses, retention periods, audit logs; user right to access/delete data.
5) Responsible Gaming - "default"
Player tools: deposit/loss/time limits, timeout, self-exclusion, reality checks - in 1-2 clicks.
Ladder of interventions: from soft notifications to pauses for signs of "chasing" and night marathons.
Personnel training: risk recognition scripts, correct dialogue, routing to help.
6) Advertising and promo
Restrictions: time/content frames, prohibition of targeting minors and vulnerable groups, mandatory RG warnings.
Transparency of bonuses: explicit vager, deadlines, min-coefs/exceptions; banning misleading promises.
Affiliates: joint responsibility for the correctness of communications.
7) Payments and disbursements
Methods: bank cards, transfers, e-wallets; I/O symmetry - best practice.
SLA: pre-announced terms and commissions, visible transaction statuses in LC.
VIP circuit: confirmation of sources of funds, increased monitoring of large operations.
8) Taxes and fees (general logic)
Operators: concession/license payments + taxation by type of game (often in the corridor of 15-20% GGR in conjunction with fixes).
Players: thresholds and bets on certain types of winnings; in the stipulated cases, the operator is a tax agent.
Reporting: periodic submission of reports to the regulator and the tax office.
9) Inspections and sanctions
Control: scheduled/unscheduled inspections, desk analysis of logs and fiscal data, test registrations/purchases.
Measures: fines, suspension, license/permit revocation, blocking of illegal domains/applications; the requirement for a corrective action plan.
10) Practical checklist for the player
1. Play only with operators with a Croatian license.
2. Pass KYC to large deposits; Use the same I/O method.
3. Set limits and include a reality check; don't "catch up" with losing.
4. Read the bonus terms prior to activation and save your transaction history.
5. In dispute - support, then the provided mediation mechanisms.
11) Practical checklist for operator
1. License/concession: full package, transparent beneficiaries, sources of funds.
2. Technical base: certified RGS/RNG/games, integration with fiscal gateways, DR plan, SLA monitoring.
3. KYC/AML: biometrics/selfie check, address/SoF with limits, decision log, XAI explanations to the client.
4. RG core: limits "from onboarding," timeout, self-exclusion, public RG-KPIs.
5. Advertising: layouts with RG disclaimers, honest bonus conditions, affiliate control.
6. Support: 24/7 in the local language, transparent cashout deadlines, ticket tracking.
12) Market Development Points (2025-2030)
Digitalization of supervision: deeper remote monitoring of turnover, SLA dashboards.
Common registers: compatibility of self-exclusion lists for all licensed operators.
Live content: refinement of studio standards and regular recertification.
ESG: energy efficiency, local procurement, personnel academies for service/compliance/analytics.
Inference. In Croatia, online gambling is not just "allowed," but structurally legalized: uniform rules for everyone, strict technical certification, KYC/AML and RG "by default," transparent advertising and predictable payments. This configuration protects the player and makes the market convenient for the long-term development of operators.