Croatia — gambling regulation

Written by Alex SmithAlex Smith |
Fact-checked by Sophia NovakivskaSophia Novakivska
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Regulator: Porezna upravaPlayers: legalConcession-based market; Tax Administration blocks unlicensed sites; 2025 amendments tightened advertising and added self-exclusion.
Sources: 2DT-R-0029Report an error

Gambling in Croatia is governed by the Zakon o igrama na sreću (Games of Chance Act, NN 87/09, as amended most recently by NN 72/25 in force from May 2025). Games are offered under 15-year concessions granted by the Government, and the Ministry of Finance approves online operation. The Porezna uprava (Tax Administration) handles tax and gambling oversight and orders the blocking of unlicensed foreign sites, while about twelve licensed operators are listed for online play.

At a glance

Legal for players
Players: legal Online casino and betting are legal only for concession holders approved by the Ministry of Finance. Foreign unlicensed sites are banned and blocked.
Licence types
15-year concessions (casino, betting, lottery); Ministry approval needed to go online
Who is punished
Unlicensed operators (site blocking); advertisers and influencers; no player penalties found on pages read
Penalties
Stop-work orders and website blocking within 15 days; fines of 6,630–66,360 EUR for legal persons; fines of 3,980–6,630 EUR for individual advertisers
Winnings tax
Lottery winnings 10–30% above 100 EUR; betting winnings 10–30% from the first euro, withheld by the operator

Law-change timeline

  1. Article 44(3) of the General Tax Act in force, letting the Tax Administration order unlicensed online operators to stop work
  2. Implementing regulation (Articles 18–21) on stop-work orders and website blocking in force
  3. Amendments to the Games of Chance Act published (NN 72/2025): advertising limits, self-exclusion register, higher fees, new misdemeanours
  4. NN 72/2025 amendments enter into force (eight days after publication)
  5. Most compliance obligations under the 2025 amendments apply
  6. Deadline for the self-exclusion register, run by the Croatian Institute of Public Health, to be operational

Regulator

Porezna uprava (Ministarstvo financija) Porezna uprava

porezna-uprava.gov.hr

News

Sources

  1. Porezna uprava (Ministarstvo financija) — Deadline for the self-exclusion register, run by the Croatian Institute of Public Health, to be operational · narodne-novine.nn.hr · checked
  2. Porezna uprava (Ministarstvo financija) — Implementing regulation (Articles 18–21) on stop-work orders and website blocking in force · porezna-uprava.gov.hr · checked