Is online gambling legal in Croatia?

You must be 18. Lottery and betting winnings are taxed at 10% to 30%, withheld by the operator; casino winnings are not taxed. You can exclude yourself from every operator through the national register at the Croatian Institute of Public Health. An operator must answer a written complaint within 15 days; after that you can go to an alternative dispute resolution body or to court.

1. 1Porezna uprava: Nedozvoljeno obavljanje gospodarske aktivnosti putem Interneta
2. 2Zakon o igrama na sreću, NN 87/09 (original text)

You must be 18 to gamble online in Croatia, for online casino, sports betting and lottery alike.

Since 1 May 2025 the operator withholds tax from each lottery or betting winning when it pays out: 10% up to €1,500, 15% from €1,500 to €4,000, 20% from €4,000 to €70,000 and 30% above €70,000, each rate on the part of the winning in its band. Lottery winnings up to €100 are not taxed; betting winnings are taxed from the first euro. Casino and slot winnings are outside the tax. Residents and non-residents are treated the same.

There are approximately 12 licensed operators in Croatia as of 15 Oct 2026.

Always verify a casino holds a valid Ministry of Finance of the Republic of Croatia (Ministarstvo financija). The Government grants 15-year rights to run casino, betting or machine games after a public tender; the Tax Administration's Games of Chance Service (Služba za igre na sreću) runs the tenders and issues the Ministry's approvals, including approval for online play. licence before depositing. Check the official register before signing up.

The official register of licensed sitesMinistry of Finance of the Republic of Croatia (Ministarstvo financija). The Government grants 15-year rights to run casino, betting or machine games after a public tender; the Tax Administration's Games of Chance Service (Služba za igre na sreću) runs the tenders and issues the Ministry's approvals, including approval for online play.'s website

Prominent operators in Croatia

If a site isn't on the regulator's licensee register, ask the regulator before you play: an unlisted site is usually not licensed here (a register can lag behind a new licence). An unlicensed site is outside the regulator's supervision, so you cannot complain to the regulator about it.

• ✓
  Check the web address on the Tax Administration's list

  The Tax Administration publishes the operators the Ministry of Finance has approved for online play, each with its web address (12 on 12 October 2026). A site not on the list is not approved.

• ✓
  Look for the approval reference

  A licensed site's home page must link to a page with the company name and seat, the Ministry's approval reference (klasa and urudžbeni broj), the game rules, the under-18 notice and an addiction warning.

• ✓
  Licensed sites check the national exclusion register

  Licensed operators must check the Register of Excluded Players kept by the Croatian Institute of Public Health and keep excluded players out.

• ✓
  Payouts go only to your registered account

  Licensed operators may pay winnings only to the account you registered with them, and must use an account opened in Croatia for player transactions.

• ✓
  Watch for celebrity and influencer ads

  Since 1 January 2026 famous persons and social-network content creators may not appear in or promote gambling ads, so such an ad breaks Croatian law.

1. 1

   1. Written complaint to the operator

   Send a written complaint at the operator's premises, by post or by e-mail. The operator must confirm receipt and answer in writing within 15 days, and must show how to complain on its website.

2. 2

   2. Alternative dispute resolution

   You can take the dispute to an alternative dispute resolution body. Taking part is voluntary, and an outcome binds only if both sides were told in advance and accepted it. The Ministry of Finance does not handle individual player complaints.

3. 3

   3. Court

   Claims against an operator go to the civil courts.

• Myth

  Casino winnings are taxed like betting winnings.
  Reality

  No. The winnings tax covers only lottery and betting winnings, withheld by the operator at 10% to 30%. Casino and slot winnings are not taxed.

• Myth

  If I have a problem, I can only ask one betting shop to ban me.
  Reality

  Croatia has a national Register of Excluded Players at the Croatian Institute of Public Health. One exclusion applies at every operator for casino games, betting and machines, online and land-based, and remote lottery. You can choose 3 months (which cannot be revoked), 6 months, 1, 3 or 5 years, or permanent.

• Myth

  A foreign site with a Malta licence is fine to use from Croatia.
  Reality

  Foreign games of chance are banned under the Act (Art. 68). Only operators the Ministry of Finance has approved may offer online play (12 on 12 October 2026), and the Tax Administration has ordered access to 1,443 gambling addresses blocked.