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Market report · Europe · November 2026 edition

Croatia: the gambling regulation report

Payment and AML rules, licence registers, enforcement, consultations and official figures, read from the official sources and checked every week. This free preview shows what each part of the report holds. The full report adds every value with its verbatim quote, its source and the date it was checked.

Checked 9 Nov 2026 · updated every week · every line traced to an official source

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Rules verified word for word
17 of 22
Rules confirmed not set
1
Register entries
1,444
2 official lists
01

Key findings

The market at a glance, from this edition.

  • Market model: Betting regulated; Casino regulated; Lottery monopoly.
  • 17 of 22 payment and AML rules verified word for word; 1 confirmed as not set in the official texts.
  • 1,444 entries in 2 official lists, reloaded every week.
  • FATF: on neither the grey nor the black list (statement of 19 Jun 2026).
  • 24 official sources read for this market every week.
02

Market model

How each product is regulated, with its source.

  • Betting: Regulated
  • Casino: Regulated
  • Lottery: Monopoly

Verifiedchecked 9 Nov 2026Zakon o izmjenama i dopunama Zakona o igrama na sreću (NN 72/2025) · tier 1

FATF lists

On neither list

FATF statement of 19 Jun 2026, as the HM Treasury advisory notice of 22 Jun 2026 lists it

03

What moved in November 2026

Decisions, consultations, register changes and dated events of the month. Covers 1 Nov 2026 – 9 Nov 2026, month in progress.

  1. RegisterCroatian Tax Administration (Porezna uprava): entries 1408 → 1385Croatian Tax Administration (Porezna uprava)
  2. RegisterCroatian Tax Administration (Porezna uprava): entries 1359 → 1408Croatian Tax Administration (Porezna uprava)

The November 2026 overview and earlier monthsEarlier months: October 2026, September 2026

04

Payment and AML rules

Each rule we track, what the official text says about it and when we checked. Values and quotes are in the full report.

Payment methods

5 rules · 4 verified · 1 confirmed not set
Payment methods in Croatia: what the official text says of each rule, its value's place and its source
RuleWhat we foundValueSource
Permitted rails and instrument typesBettingVerifiedVerified word for wordchecked 9 Nov 2026Value in the full reportPravilnik o izmjenama i dopunama Pravilnika o priređivanju igara klađenja na daljinu (NN 129/2025)tier 1
Permitted rails and instrument typesOnline · CasinoVerifiedVerified word for wordchecked 9 Nov 2026Value in the full reportPravilnik o izmjenama i dopunama Pravilnika o priređivanju igara na sreću u casinima putem interaktivnih prodajnih kanala on-line igranja (NN 129/2025)tier 1
Mandatory hubs and gatewaysOnline · CasinoVerifiedVerified word for wordchecked 9 Nov 2026Value in the full reportIgre na sreću u casinima (Internet casino)tier 1
Instrument origin and currencyOnline · CasinoVerifiedVerified word for wordchecked 9 Nov 2026Value in the full reportPravilnik o priređivanju igara na sreću u casinima putem interaktivnih prodajnih kanala on-line igranja (NN 78/2010)tier 1
Payment-blocking listsWhole marketNot foundNot set in the official textschecked 9 Nov 2026None setZakon o igrama na sreću (NN 87/2009)tier 1

Ownership & payouts

4 rules · 4 verified
Ownership & payouts in Croatia: what the official text says of each rule, its value's place and its source
RuleWhat we foundValueSource
Holder and ownership rulesOnline · CasinoVerifiedVerified word for wordchecked 9 Nov 2026Value in the full reportPravilnik o izmjenama i dopunama Pravilnika o priređivanju igara na sreću u casinima putem interaktivnih prodajnih kanala on-line igranja (NN 129/2025)tier 1
Closed loop and payout routingOnline · CasinoVerifiedVerified word for wordchecked 9 Nov 2026Value in the full reportPravilnik o izmjenama i dopunama Pravilnika o priređivanju igara na sreću u casinima putem interaktivnih prodajnih kanala on-line igranja (NN 129/2025)tier 1
Payout time limitsOnline · CasinoVerifiedVerified word for wordchecked 9 Nov 2026Value in the full reportPravilnik o izmjenama i dopunama Pravilnika o priređivanju igara na sreću u casinima putem interaktivnih prodajnih kanala on-line igranja (NN 129/2025)tier 1
Withdrawal conditionsWhole marketVerifiedVerified word for wordchecked 9 Nov 2026Value in the full reportPravilnik o izmjenama i dopunama Pravilnika o priređivanju igara na sreću u casinima putem interaktivnih prodajnih kanala on-line igranja (NN 129/2025)tier 1

AML thresholds & reporting

2 rules · 2 verified
AML thresholds & reporting in Croatia: what the official text says of each rule, its value's place and its source
RuleWhat we foundValueSource
Check thresholds and aggregation windowsWhole marketVerifiedVerified word for wordchecked 9 Nov 2026Value in the full reportZakon o izmjenama i dopunama Zakona o sprječavanju pranja novca i financiranja terorizma (NN 151/2022)tier 1
Report triggers and deadlinesWhole marketVerifiedVerified word for wordchecked 9 Nov 2026Value in the full reportZakon o sprječavanju pranja novca i financiranja terorizma (NN 108/2017)tier 1

Player funds protection

3 rules · 3 verified
Player funds protection in Croatia: what the official text says of each rule, its value's place and its source
RuleWhat we foundValueSource
Player-funds protection and coverageBettingVerifiedVerified word for wordchecked 9 Nov 2026Value in the full reportZakon o izmjenama Zakona o igrama na sreću (NN 114/2022)tier 1
Player-funds protection and coverageLand-based · CasinoVerifiedVerified word for wordchecked 9 Nov 2026Value in the full reportZakon o igrama na sreću (NN 87/2009)tier 1
Player-funds protection and coverageOnline · CasinoVerifiedVerified word for wordchecked 9 Nov 2026Value in the full reportZakon o igrama na sreću (NN 87/2009)tier 1

Taxes at payment

1 rule · 1 verified
Taxes at payment in Croatia: what the official text says of each rule, its value's place and its source
RuleWhat we foundValueSource
Taxes at the point of paymentBetting · LotteryVerifiedVerified word for wordchecked 9 Nov 2026Value in the full reportZakon o izmjenama i dopunama Zakona o igrama na sreću (NN 72/2025)tier 1

Reporting & data

5 rules · 5 verified
Reporting & data in Croatia: what the official text says of each rule, its value's place and its source
RuleWhat we foundValueSource
Submission mode and cadenceBettingVerifiedVerified word for wordchecked 9 Nov 2026Value in the full reportZakon o igrama na sreću (NN 87/2009)tier 1
Submission mode and cadenceLand-based · OtherVerifiedVerified word for wordchecked 9 Nov 2026Value in the full reportZakon o igrama na sreću (NN 87/2009)tier 1
Data vault and integrityOnline · CasinoVerifiedVerified word for wordchecked 9 Nov 2026Value in the full reportPravilnik o priređivanju igara na sreću u casinima putem interaktivnih prodajnih kanala on-line igranja (NN 78/2010)tier 1
Data locationOnlineVerifiedVerified word for wordchecked 9 Nov 2026Value in the full reportPravilnik o izmjenama i dopunama Pravilnika o priređivanju igara na sreću u casinima putem interaktivnih prodajnih kanala on-line igranja (NN 129/2025)tier 1
RetentionLand-based · CasinoVerifiedVerified word for wordchecked 9 Nov 2026Value in the full reportZakon o igrama na sreću (NN 87/2009)tier 1

Player protection at payment

2 rules · 2 verified
Player protection at payment in Croatia: what the official text says of each rule, its value's place and its source
RuleWhat we foundValueSource
Cross-operator limits and registersOnline · CasinoVerifiedVerified word for wordchecked 9 Nov 2026Value in the full reportPravilnik o izmjenama i dopunama Pravilnika o priređivanju igara na sreću u casinima putem interaktivnih prodajnih kanala on-line igranja (NN 129/2025)tier 1
Eligibility screening at paymentWhole marketVerifiedVerified word for wordchecked 9 Nov 2026Value in the full reportZakon o izmjenama i dopunama Zakona o igrama na sreću (NN 72/2025)tier 1
Value in the full report: order the full report
05

Regulatory guide

Licensing, gambling tax, advertising, responsible gambling and technical standards: the statements we hold, by subject.

  • Licensing

    3 statements
    • Annual fee
    • Apostille Convention

    Statements, quotes and dates in the full report

  • GGR tax

    3 statements
    • Online casino
    • Online betting

    Statements, quotes and dates in the full report

  • Advertising

    4 statements
    • General rules
    • Time restrictions
    • Bonus offers
    • Sponsorship

    Statements, quotes and dates in the full report

  • Responsible gambling

    2 statements
    • Self-exclusion register

    Statements, quotes and dates in the full report

06

Licence registers and official lists

The official lists we load every week for this market.

  • Croatian Tax Administration (Porezna uprava)

    Blacklist

    1,432 entries

    loaded 9 Nov 2026

  • Croatian Tax Administration (Porezna uprava)

    Licence list

    12 entries

    loaded 9 Nov 2026

Every entry with its licence, brands and domains, and the week's additions and removals: in the product.

07

Enforcement

The regulator's decisions against companies, as published.

Decisions in 2026
0

Sanction ranges in the law

7 provisions set the fines and other measures: Zakon o igrama na sreću (NN 87/09, 35/13, 158/13, 41/14, 143/14, 114/22, 72/25); iznosi prema NN 114/2022.

References, breaches and the full list of the year: in the full report.

08

Sources behind this report

The official sources our weekly run reads for this market, by kind and publisher. 24 official sources.

Texts the values are checked against
10
Regulator guidance
3
Laws and regulations
9
Licence registers and official lists
2

Publishers

  • Narodne novine
  • Croatian Tax Administration (Porezna uprava)
  • porezna-uprava.gov.hr
  • hcch.net
  • narodne-novine.nn.hr
  • Official Gazette of the Republic of Croatia (Narodne novine)
  • Porezna uprava, Ministarstvo financija Republike Hrvatske
09

Library of acts

The laws, regulations and guidance the report is built on. 18 acts and guidance documents.

  • HCCH | #12 - Status table
  • Igre u casinima - Porezna uprava
  • Naknade za priređivanje klađenja - Porezna uprava
  • Pravilnik o izmjenama i dopunama Pravilnika o prostornim i tehničkim uvjetima za priređivanje igara na sreću u casinima, na automatima i uplatnim mjestima kladionica (NN 129/2025)
  • Pravilnik o sadržaju i načinu vođenja registra isključenih igrača (NN 80/2026)
  • Uredba o mjerama društveno odgovornog priređivanja igara na sreću (NN 129/2025)
  • Zakon o izmjenama i dopunama Zakona o igrama na sreću
  • Zakon o mjerama ograničavanja (NN 133/2023)
  • Pravilnik o izmjenama i dopunama Pravilnika o priređivanju igara klađenja na daljinu (NN 129/2025)
  • Pravilnik o izmjenama i dopunama Pravilnika o priređivanju igara na sreću u casinima putem interaktivnih prodajnih kanala on-line igranja (NN 129/2025)
  • Igre na sreću u casinima (Internet casino)
  • Pravilnik o priređivanju igara na sreću u casinima putem interaktivnih prodajnih kanala on-line igranja (NN 78/2010)

and 6 more in the full report

10

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Status and check date of every ruleIncludedIncluded
Values, verbatim quotes and referencesNot in the free previewIncluded
Regulatory guide statements with their sourcesNot in the free previewIncluded
Regulator decisions with references and breachesLatestIncluded
Register entries, additions and removalsCountsIncluded
Consultations, dates ahead and official figuresIncludedIncluded
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