Balkan Casino Guide: Licensed Online Casinos in Croatia, Serbia, Bosnia, Slovenia and the Region (2026)

Balkan casino players who want a safe site have one test that matters more than any other: is the operator licensed in the country you play from? Croatia, Serbia, Slovenia, Montenegro and the three parts of Bosnia and Herzegovina each license their own online operators, North Macedonia keeps online games for a state-owned company, and Albania has had no licensed online casino since 1 January 2019. The list below shows operators licensed in Serbia and the Federation of BiH, for comparison only; Croatian and Slovenian licensees are described in their country sections further down. We have no commercial relationship with any of them and do not link to them. 18+ everywhere, 21+ in Albania.

Balkan Gambling is an independent English-language guide for readers in Serbia, Croatia, Bosnia and Herzegovina, Montenegro, North Macedonia, Slovenia and Albania, and in Bulgaria. We explain how to check a licence on the regulator’s own list, why unlicensed sites are blocked, how self-exclusion and tax on winnings work, and where to get help. Every legal fact on this page was checked on 15 October 2026 against the law text or the regulator’s website, and each country has its own guide with the detail.

1. 1
   

   Mozzart

   Licensed locally · no link, no paid placement

   Licensed in Serbia: online betting and casino

   • MOZZART D.O.O. BEOGRAD
   • Also licensed online in the Federation of BiH (Mozzart BH Play)
   • Not licensed in Croatia, where its site is on the blocklist

   Licence: Serbia, Games of Chance Administration (UIS list)

   18+. Licensed operator, listed for comparison only. We have no commercial relationship with it and do not link to it.
2. 2
   

   MaxBet

   Licensed locally · no link, no paid placement

   Licensed in Serbia: online betting and casino

   • MAX BET D.O.O. BEOGRAD
   • Separate local licences in Republika Srpska and Montenegro
   • Flutter took a 51% stake in 2024

   Licence: Serbia, Games of Chance Administration (UIS list)

   18+. Licensed operator, listed for comparison only. We have no commercial relationship with it and do not link to it.
3. 3
   

   Mozzart BH Play

   Licensed locally · no link, no paid placement

   Licensed online in the Federation of BiH

   • On the Federation's online licensee list of 30.09.2026
   • Federation licence only, not Republika Srpska or Brčko

   Licence: Federation of BiH, Ministry of Finance online list (Q3 2026)

   18+. Licensed operator, listed for comparison only. We have no commercial relationship with it and do not link to it.

Licensed online gambling in the Balkans at a glance

There is no single Balkan rulebook. Each country decides who may run online games, keeps its own register of licensed operators and has its own regulator. A licence in one country never covers the next one across the border. The table gives the short answer for each country; the sections below and the country guides give the detail.

Licensed operators in each country

The operators below appear on the official lists we checked on 15 October 2026. We describe them as the regulator lists them. This is not a ranking and not an invitation to sign up; it is a way to recognise what a licensed site looks like where you live.

Casino Croatia: 12 approved online operators

Twelve companies hold Croatian online approvals on the tax administration’s list of licensed online operators: Hrvatska Lutrija (lutrija.hr), Germania Sport (germaniasport.hr), Super Sport (supersport.hr), Hattrick-PSK (psk.hr), Interigre (admiral.hr), Favorit Sportska Kladionica (favbet.hr), Adria Casino (senator.hr), Major Internacional, Modern Games (olybet.hr), Palisada (vegas.hr), Super Igra (arenacasino.hr) and Top Games (rizk.hr). Mozzart and bet365 are not on it, and their international domains are on Croatia’s blocklist. Super Sport has belonged to the Entain group since 2022 and is a different company from Superbet. Croatia’s admiral.hr is run by Interigre, a separate company from Serbia’s Admiral Bet. Our casino Croatia guide covers land casinos, tax and help, and the Germania Sport page explains one licensee in detail.

Casino Serbia: approvals from the Uprava

The Uprava’s list of approved operators shows 25 companies under online play (“preko sredstava elektronske komunikacije”), among them the state lottery (lutrija.rs), Mozzart, MaxBet, Meridianbet, Admiral Bet, Soccerbet and Superbet. An approval runs for ten years, and the operator pays a monthly fee plus a share of its gaming revenue. Classic lottery games are reserved by law for Državna lutrija Srbije. Read the casino Serbia guide for the full picture, or our factual Mozzart page if that is the name you searched for.

Casino Bosnia and Herzegovina: three systems

The Federation’s Ministry of Finance published its online licensee list on 30 September 2026: Premier World Sport, Formula, Williams Kladionica, Sport Plus, Sport Plus Win, Bet-Live and Mozzart BH Play. The lottery company Lutrija BiH is not on the list because its online right comes from the law itself. These are online betting and lottery rights; the Federation’s law has no legal basis for online casino, and deposits must go through licensed shops or Federation banks. Republika Srpska and Brčko District license internet games under their own laws, but we found no published list of their online licensees. The Bosnia and Herzegovina guide takes each entity in turn.

Casino Slovenia: one online casino concession

Slovenia limits online games to concession holders, and the 2026 register of online casino concessionaires names one company: Casino Portorož, which runs SuperCasino.si, 777Casino.si and Casino.si. Loterija Slovenije and Športna loterija (e-stave.com) hold the classic-games concessions for lottery and sports betting. The gambling act has not been amended since 2014. See our casino Slovenia guide.

Casino Montenegro, North Macedonia and Albania

Montenegro’s new gambling law has applied since 14 August 2025. Online play needs a Montenegrin approval tied to a land-based business, and each approved operator may use one domain. The published list of 13 online concession holders dates from 2 July 2025, before the new law, so treat it as a starting point and confirm with the regulator; read the casino Montenegro guide. North Macedonia’s law of July 2026 reserves online games for a company wholly owned by the state, licensed sites must use a .mk domain, and the previous company may run electronic games until 31 December 2026; see the North Macedonia guide. Albania closed online casino from 1 January 2019; a 2024 law reopened online sports betting for up to ten licensees, but the tender had not formally opened by August 2026. Our Albania guide is informational only.

Casino Bulgaria: open licensing by the revenue agency

Bulgaria, an EU member that has used the euro since 1 January 2026, licenses online casino and betting openly rather than through a state monopoly. The National Revenue Agency (NRA) took over from the State Commission on Gambling in 2020, and its register of 12 October 2026 lists 31 companies with online licences. Playing at an unlicensed site is an offence with a fine, and the NRA publishes a blacklist of unlicensed domains. Read our Bulgaria guide, or the Bulgarian-language section.

How to check a casino licence in five minutes

A licence logo on a website proves nothing on its own. What counts is the regulator’s list. These steps work in every country we cover:

1. Find the company name and the approval number. A licensed site shows them in the footer or the terms. Germania Sport, for example, holds a Croatian online betting approval from 25 May 2013 and an online casino approval (KLASA UP/I-461-03/19-01/7) from 4 June 2019.
2. Open the regulator’s own list, not a copy. Porezna uprava for Croatia, uis.gov.rs for Serbia, the Ministry of Finance registers on gov.si for Slovenia, fmf.gov.ba for the Federation of BiH and gov.me for Montenegro.
3. Match the company and the domain. The Croatian and Serbian lists pair each company with its website. A different domain from the one on the list is a warning sign, even if the brand name looks right.
4. Make sure the licence is for your country. Mozzart is licensed in Serbia and, as Mozzart BH Play, in the Federation of BiH, but mozzart.com is blocked in Croatia. Admiral in Croatia and Admiral Bet in Serbia are different companies with different licences.
5. Check the date of the list. Croatia’s list is undated, Serbia’s shows no update date, and Montenegro’s predates its 2025 law. If anything looks stale, ask the regulator: Croatia’s tax administration answers on [email protected].
6. Look at the blocklist where one is public. Croatia publishes one (more than 1,400 domains in the version of 9 October 2026), and North Macedonia publishes a scanned list (307 domains by January 2026).

If a site shows only a licence from somewhere outside the region, it is not licensed in your country, whatever its marketing says. Our full method for describing operators is on how we rate casinos and bookmakers.

Why unlicensed sites get blocked, and what you lose there

Six of the seven countries expressly ban advertising or promoting operators without a local licence, and most also block their websites. Croatia’s tax administration orders unlicensed sites to stop operating and publishes every domain. Serbia’s law allows IP blocking and blocking of payments by banks, but there is no public list. Slovenia’s tax authority FURS asked the Administrative Court to block websites 53 times in 2025. Montenegro blocks domains through its telecoms regulator, and since mid-2024 its banks have blocked card payments to foreign gambling merchants. North Macedonia had blocked 307 domains by January 2026, and Albania’s telecoms regulator relayed blocks on about 8,000 domains in 2019.

Playing at an unlicensed site is a risk, not an option we recommend. This is what you give up:

• No local complaints route. If a payout stalls, Porezna uprava, the Serbian Uprava or FURS cannot help you, because the operator is outside their reach.
• No national self-exclusion. Croatia’s register, Serbia’s shared exclusions and Slovenia’s FURS scheme cover licensed operators only.
• Sudden blocking. A blocked domain can stop loading overnight, with your balance still inside.
• Possible fines. On paper, Croatia fines individuals €1,320 to €6,630 for taking part in foreign games paid from Croatia, Montenegro and North Macedonia €1,000 to €2,000, and Republika Srpska and Brčko 2,000 to 6,000 KM. Serbia and the Federation of BiH prohibit it without a player fine. We found no published case of a player being fined.
• Tax left to you. Nothing is withheld, and North Macedonia and Albania tax residents on winnings from abroad.

We do not list, link to or recommend unlicensed sites, and we never publish mirror addresses or ways round a block, whether by crypto, VPN or anything else.

Self-exclusion and limits in each country

Self-exclusion lets you shut yourself out of gambling for a set period. Where a national system exists, a licensed operator must respect it. These are the arrangements we verified:

Our responsible gambling page explains each system step by step.

Tax on gambling winnings by country

Tax on winnings is not uniform across the region, and it often depends on the type of game. Licensed operators usually withhold it at payout where the law requires them to.

The current rate in the Federation of BiH could not be verified, so we do not quote one. This table is a summary, not tax advice; for a large win, ask your tax office.

Paying in and out at licensed sites

Licensed operators work in the local currency: the euro in Croatia, Slovenia and Montenegro, the dinar in Serbia, the convertible mark in Bosnia and Herzegovina (fixed at 1.95583 KM per euro), the denar in North Macedonia and the lek in Albania. Some countries also set rules for how you may pay:

• North Macedonia: stakes and payouts at licensed internet games go through banks based in the country, in denars for residents, and deposits only by card or electronic transfer.
• Montenegro: licensed sites take bank cards, bank transfers, bank mobile or internet payments and cash at a venue.
• Federation of BiH: deposits only through licensed shops or banks in the Federation.
• Serbia: the national bank runs the IPS instant payment system and the DinaCard card scheme; check each operator’s cashier for what it accepts.

We have not verified which e-wallets or vouchers each licensed operator accepts, so we do not list them. The cashier page of the operator and its terms are the source to trust. More detail is in our payment methods guide.

Guides on Balkan Gambling

The home page gives the overview. Each guide below goes deeper and is checked against the same fact sheet:

• Online casino guide for Croatia and the Balkans: the 12 Croatian licensees, the blocklist, self-exclusion, tax and what to check before you deposit.
• How casino bonuses work at licensed sites: wagering and max-bet maths, and each country’s rules on bonus advertising.
• Licensed online casinos in each country: who holds a licence where, the eight checks we use, and the warning signs of an unlicensed site.
• Bookmakers in Serbia, Croatia, Bosnia and Slovenia: licensed betting operators described factually, with no links to them.
• Country guides: Croatia, Serbia, Bosnia and Herzegovina, Slovenia, Montenegro, North Macedonia, Albania and Bulgaria.

How we choose what to list

Only operators that appear on a regulator’s list go into our lists, and each entry names the licence and the regulator. Croatian and Slovenian licensees are not shown in lists; our country guides describe them in factual tables. We take no payment from operators, hold no deals with them and do not link to them, so no operator can buy a place. We publish no bonus figures: Croatia’s law bans advertising that invites people to play with bonus offers anywhere but on licensed operators’ own websites, and an independent guide has no reason to push one. The order of the list follows the country, not a score.

When the facts change, for example a new approval in Croatia or a new licence list in Montenegro, we update the page and its date. Our full method is on how we rate.

Play safely: help in your country

Gambling is for adults: 18 and over everywhere we cover, and 21 in Albania. Set a budget before you play, never chase losses, and use the limits and self-exclusion tools at your licensed operator. These services were verified on each organisation’s own website or on the ministry’s list:

• Serbia: Specijalna bolnica za bolesti zavisnosti (Drajzerova), Belgrade, +381 11 3671 429 or +381 11 2662 727.
• Croatia: self-exclusion register at the Croatian Institute of Public Health (HZJZ), +385 1 4863 222; Klinika za psihijatriju Sveti Ivan, Zagreb, appointments +385 1 3430 001.
• Slovenia: Psihiatrična bolnišnica Idrija, non-chemical addictions department, 041 481 566 (weekdays 13:00 to 15:00); national self-exclusion, filed at a casino or with a licensed online operator (form on FURS eDavki).
• Bosnia and Herzegovina (FBiH): Zavod za bolesti ovisnosti Kantona Sarajevo, 033/257-750, per the FBiH Ministry of Finance list of treatment centres.
• Bulgaria: National Drugs, Alcohol and Gambling Helpline (Solidarnost association), 0888 99 18 66, anonymous, on working days during the daytime; self-exclusion through the NRA register of gambling-vulnerable persons.
• Montenegro, North Macedonia and Albania: we could not verify a gambling helpline on an organisation’s own site. Speak to your doctor or a local mental-health service.

Every service and self-exclusion route is listed on our responsible gambling page.

How we checked this page

On 15 October 2026 we read the Croatian Games of Chance Act as amended by NN 72/25 on zakon.hr, the Porezna uprava list of 12 licensed online operators and its blocklist dated 9 October 2026. We looked up Serbia’s list of approved online operators on uis.gov.rs, the Federation of BiH’s online licensee list of 30 September 2026, Slovenia’s 2026 concession registers, Montenegro’s 2025 gambling law and its card-blocking statement, and North Macedonia’s 2026 law. Tax rules come from each country’s income-tax or gambling law as cited in our fact sheet, and helplines from each organisation’s own website.

Frequently asked questions

Which online casinos are licensed in the Balkans?

Each country licenses its own operators. Croatia has 12 approved online operators, including Hrvatska Lutrija, Germania Sport and Super Sport. Serbia lists 25 online operators, among them Mozzart, MaxBet and Meridianbet. In Slovenia, the Ministry of Finance’s 2026 register of online casino concessionaires lists only Casino Portorož; other casino concessions there are for land-based casinos. The Federation of BiH licenses online betting but not online casino, and Albania has no licensed online operator at all.

How do I check if a casino is licensed in my country?

Find the operator’s company name and approval number in the site’s footer or terms, then look it up on the regulator’s own list: Porezna uprava in Croatia, uis.gov.rs in Serbia, the Ministry of Finance registers on gov.si in Slovenia and fmf.gov.ba in the Federation of BiH. Match the company and the domain. A licence from another country does not count.

Can I be fined for playing at an unlicensed casino site?

In several countries, yes, on paper. Croatia sets fines of €1,320 to €6,630 for individuals, Montenegro and North Macedonia €1,000 to €2,000, and Republika Srpska and Brčko District 2,000 to 6,000 KM. Serbia and the Federation of BiH prohibit taking part without a player fine. We found no player offence in Slovenia or Albania, and no published case of a player being fined.

Do I pay tax on gambling winnings in the Balkans?

It depends on the country and the game. Croatian licensed operators withhold 10% to 30% on lottery and betting winnings. Serbia does not tax winnings from licensed betting and online casino, but taxes larger lottery wins at 20%. Montenegro withholds 0%, 10% or 15%, and North Macedonia and Albania tax residents at 15%, including on winnings from abroad.

Is Mozzart licensed in Croatia?

No. Mozzart holds a Serbian approval and appears as Mozzart BH Play on the Federation of BiH’s online licensee list, but it is not on Croatia’s list of 12 licensed online operators. Its international domain, mozzart.com, is on the Croatian tax administration’s blocklist of unlicensed gambling sites. A licence in one Balkan country never covers another.

Where can I get help with gambling in my country?

In Serbia, the Drajzerova addiction hospital in Belgrade answers on +381 11 3671 429. Croatia’s self-exclusion register at HZJZ is on +385 1 4863 222, and Slovenia’s Psychiatric Hospital Idrija on 041 481 566. In Sarajevo, the cantonal addiction institute is on 033/257-750. For Montenegro, North Macedonia and Albania we could not verify a helpline, so start with your doctor.