Croatia

Online gambling legal under Games of Chance Act (2009, amended 2015). Ministry of Finance issues 15-year licenses; operators must be registered in Croatia with local servers. Annual fee: HRK 3 million (€400,000).

Major reform effective January 1, 2026 to address gambling addiction affecting 40,000 Croats. National self-exclusion register launched November 2025; all operators must connect by January 2026. Mandatory electronic ID verification at all venues.

Advertising restrictions: ban on TV/radio/media ads 6AM-11PM, prohibition on celebrity/influencer endorsements, outdoor/print restrictions. Self-service terminals banned in cafes/restaurants.

Location requirements: 500m from schools/religious buildings, 200m between betting shops. Expected to force 50-60% of venues to relocate or close when rights expire in 2025.

Progressive tax system; 11% revenue to addiction prevention. License fees increasing up to 50%. Banks must block unlicensed operators; 900+ websites blocked.

Follow reform implementation, market consolidation, black market enforcement, and regulatory authority establishment.