Casino Croatia: Online Casinos, Gambling Law and Land Casinos in 2026

Short answer: online casino Croatia rules are among the strictest in Europe. Only operators approved by the Croatian Ministry of Finance may offer casino games or betting, and 12 companies hold online approval today, including Hrvatska Lutrija, Germania Sport, Super Sport and Hattrick-PSK. The Tax Administration publishes a blocklist of more than 1,400 unlicensed gambling domains (list version 09.10.2026). Taking part in foreign games with stakes paid from Croatia is banned and fineable on paper (EUR 1,320 to 6,630). Licensed operators withhold 10% to 30% tax on lottery and betting winnings.

This guide covers the law, the licensed sites, the blocklist, advertising rules, tax, self-exclusion, payments and the land casinos in Zagreb, Split and Zadar. It ends with the licensed market in practice: how to check a licence yourself, what the licence gives you as a player, and how deposits and payouts work at approved sites. For the wider region, start at the Balkan Gambling home page, and for a site-by-site walkthrough of how to judge any casino, read our online casino guide for Croatia and the Balkans.

Croatian gambling law in 2026 at a glance

Everything on this page traces back to one statute and one supervisor. Here are the points most readers ask about, each explained further down.

Who regulates gambling in Croatia

The legal base is the Zakon o igrama na sreću (Games of Chance Act), first published in Narodne novine 87/09 and amended six times since: NN 35/13, 158/13, 41/14, 143/14, 114/22 and 72/25. The latest amendment, NN 72/25, took effect on 1 May 2025. It added the advertising rules in Articles 67.a to 67.e, created the national self-exclusion register, set new tax bands on winnings and raised the fees for online approvals to EUR 600,000 for casino games (Art. 38) and EUR 400,000 for betting (Art. 51). A government decree on socially responsible gambling, NN 129/25, fills in the details.

Article 70(1) names the Ministry of Finance as the regulator. Day-to-day supervision sits with Porezna uprava, the Tax Administration, which handles unlicensed online gambling through a dedicated team you can reach at [email protected]. Lottery games belong to Hrvatska Lutrija by law. Casino games and betting, online or in a venue, need an approval from the Ministry.

So Croatia is neither a monopoly nor an open market. It is a licensed market with a high entry price, a short list of approved companies and an active blocking programme against everyone else.

Licensed online casinos and bookmakers in Croatia

The Tax Administration publishes the list of companies approved to run games of chance online, together with the type of game each approval covers and the one web address it applies to. On 15 October 2026 it named 12 operators, shown below in the order the Tax Administration lists them. The list carries no date, so treat it as the current published state rather than a dated register extract.

All 12 companies may offer casino games online. Seven of them also hold online betting rights, and only Hrvatska Lutrija adds lottery games, which the law reserves to it. Five brands (Senator, Luckia, Olybet, Vegas.hr and Rizk) are approved for casino games alone, so a sportsbook under one of those names would not be covered by its Croatian approval.

We name these companies for information only. We have no commercial relationship with any of them, and this page does not link to them.

Hrvatska Lutrija

Hrvatska Lutrija holds the lottery rights by law and also appears on the online list for casino games and betting at lutrija.hr. It is the state operator and the only company whose online approval covers all three product types, so lottery draws, casino games and a sportsbook can sit under one Croatian account.

Germania Sport

Germania Sport d.o.o. is based at Radnička cesta 34/A in Zagreb (OIB 75632766837). Its online betting approval dates from 25 May 2013 (KLASA UP/I-461-05/13-01/159) and its online casino approval from 4 June 2019 (KLASA UP/I-461-03/19-01/7). The betting licence was renewed in October 2025. Germania is one of the most searched gambling brands in Croatia; our Germania Sport guide covers the app, casino and payout rules in detail.

Super Sport

Super Sport d.o.o. in Zagreb runs online casino and betting at supersport.hr. It has been owned by Entain since 23 November 2022. One frequent mix-up: Super Sport is not part of Superbet, the Romanian group that operates in Serbia.

Hattrick-PSK

PSK is listed as Hattrick-PSK d.o.o. with the website psk.hr. Its online approval covers both casino games and betting, under the same Ministry approval system as the others.

Admiral (Interigre) and the casino-only brands

The Croatian Admiral site, admiral.hr, belongs to Interigre d.o.o., which holds online approval for casino games and betting. It is a separate company from Serbia’s Admiral Bet, so a Serbian Admiral account or app does not carry over; our Admiral Bet guide explains which company runs which country site. The casino-only group (Senator through Adria Casino, Luckia through Major Internacional, Olybet through Modern Games, Vegas.hr through Palisada and Rizk through Top Games) offers slots and table games online under the same Croatian rules on age checks, self-exclusion and advertising as the larger betting companies.

Big names that are not licensed in Croatia

Two brands that Croatian players search for often are missing from the list. Mozzart holds a Serbian licence and a Bosnian (FBiH) online approval, but it has no Croatian approval, and mozzart.com is on the Croatian blocklist. bet365 is not on the list either; www.bet365.com was the very first entry on the blocklist, added on 27 May 2019. Superbet Betting and Gaming d.o.o. was proposed for a 15-year Croatian betting licence in October 2025, according to trade press, but it does not yet appear on the online list. For the Serbian side of these brands, see our guide to gambling in Serbia.

The Croatian blocklist: what it is and what it means for players

Croatia is one of only two countries in the region with a public domain blocklist (North Macedonia is the other). The legal base is Article 44(3) of the General Tax Act and Articles 18 to 21 of its rulebook, which let the competent tax body order an unlicensed business to stop operating. For gambling, those orders are collected in a spreadsheet published by the Tax Administration.

What the list contains

The version dated 09.10.2026 holds more than 1,400 web addresses. The oldest entry is www.bet365.com (27 May 2019) and the newest is shelbywin.co (2 October 2026). Large international brands sit on it, including 1xbet.com, betsson.com, 22bet.com and vulkanvegas.com, along with mozzart.com. The list grows every few weeks, so a site that works today can be blocked next month.

What a block means in practice

When a domain is on the list, Croatian internet providers are expected to stop serving it, so the site simply stops loading on Croatian connections. For a player, that has four consequences:

• Access can stop overnight. If your casino is added, you may lose the website while money is still in your account.
• Your balance is then a matter between you and a foreign company. No Croatian authority will help you recover it, because the operator was never licensed here.
• The block is an official finding. Being listed means the Tax Administration has formally ordered that operator to stop offering games in Croatia.
• Payments are a separate question. We found no Croatian rule that orders banks to block card payments to gambling sites, unlike Montenegro, where banks have done this since 2024.

We do not recommend, and will not explain, ways to get around a block. If a site you use appears on the list, the sensible step is to request a withdrawal of your balance and stop depositing.

Why unlicensed sites are blocked

The Tax Administration explains its reasoning on the same page that publishes the list. Licensed operators must ask every player for an OIB (personal identification number) and check the registration details and the player’s age through the Tax Administration’s electronic services, a step meant to keep minors out and to limit compulsive gambling. Foreign companies that offer games online without approval skip those conditions, which the Tax Administration says can cause damage to the community that is hard to repair.

The procedure is short. Each order on the list is carried out, meaning the address is blocked, within 15 days of the order date shown in the spreadsheet. The owner of a blocked domain is then invited to contact the tax authority within 30 days to remove the reason for the ban. Put simply, the blocklist is the other side of the licence: a site either accepts Croatian checks and supervision, or it is cut off.

Advertising rules: the strictest in the region

Article 68(1) of the Games of Chance Act bans foreign operators from offering games in Croatia and also bans “any advertising or promotion of foreign games”. The fines run from EUR 6,630 to 66,360 for companies (Art. 72(1) item 43) and EUR 1,320 to 6,630 for individuals (Art. 73(5)).

Licensed operators face their own rules since NN 72/25:

• no online, audiovisual or radio gambling ads between 06:00 and 23:00, except on the operator’s own website (Art. 67.b(1) and (7));
• no gambling ads in print (Art. 67.b(2));
• no ads that invite people to play by advertising bonus offers, except on the operator’s own website (Art. 67.b(8));
• mandatory warnings about addiction and the under-18 ban (Art. 67.b(9));
• no celebrities in gambling ads (Art. 67.d(2));
• social-media content creators may not promote or advertise gambling, and gambling live-streams are banned (Art. 67.d(3)), with fines of EUR 3,980 to 6,630 for creators and individuals.

We have found no published enforcement case against an advertiser, affiliate site or influencer under these articles. That is not proof that none exists. For readers, the practical point is simple: a Croatian bookmaker’s daytime bonus banner on a site other than its own, or a streamer pushing a casino, now breaks Croatian rules, so treat such promotions with suspicion.

Where players stand: participation ban and fines

Article 68(1) does not stop at operators. It also bans “taking part in foreign games of chance if the stakes are paid in the territory of the Republic of Croatia”. Read together with Article 73(5), that exposes a player to a fine of EUR 1,320 to 6,630.

Three details matter:

• The ban is formal law, not a theory. Saying “players can’t be fined in Croatia” is wrong.
• No enforcement against players has been published. We searched the Tax Administration’s announcements and found none. That does not make the risk zero.
• Visitors are treated differently. Article 68(3) exempts foreigners who are temporarily in Croatia, for example tourists using an account they opened at home.

A Croatian resident who plays at an offshore casino is therefore taking a legal risk on paper, on top of the practical risks of blocking and weaker player protection. We say this plainly because most English-language casino pages about Croatia do not.

Tax on gambling winnings in Croatia

Licensed Croatian operators withhold tax at the moment they pay out (Arts. 18(4) and 52(3)), so the player receives the net amount and has nothing to file for those wins. Under the law text after NN 72/25, both lottery wins (Art. 18(3)) and betting wins (Art. 52(2)) are taxed in rising bands from 10% to 30% depending on the size of the win.

We are deliberately not quoting the exact band edges yet. The gazette text and the Tax Administration’s own betting-tax page currently show different thresholds, and we will add the figures once the conflict is settled. What is safe to say: small wins are taxed at 10%, very large wins at 30%, and the licensed operator deducts the tax for you.

Two points remain open. We found no article that sets a winnings tax for casino games, and we have not confirmed how winnings from foreign sites are treated. Do not assume offshore winnings are untaxed; if the amount matters to you, ask a Croatian tax adviser or the Tax Administration before you file.

Self-exclusion and help in Croatia

NN 72/25 created the Registar isključenih igrača, a national self-exclusion register run by the Croatian Institute of Public Health (HZJZ). It went live on 1 August 2025 and has been visible to all licensed operators since 1 November 2025.

• How to apply: online at hana.hzjz.hr, signing in with e-Građani. Step-by-step instructions are on the HZJZ self-exclusion page.
• Minimum term: an exclusion can only be revoked after 3 months.
• Contact: +385 1 4863 222, [email protected].

The register binds every operator licensed in Croatia, online and in venues. Unlicensed foreign sites are not connected to it, which is one more reason to keep to the approved list. Licensed sites also let you set your own limits inside the account; if you want an extra barrier, ask your bank whether it can block gambling payments on your card.

For treatment, Klinika za psihijatriju Sveti Ivan in Zagreb (Jankomir 11) runs the COMET-7 project on compulsive gambling. Call the switchboard on 01 3430 000 or book an appointment on +385 1 3430 001. Our responsible gambling page lists the help available in every country we cover.

Payments and withdrawals at licensed Croatian sites

Croatia has used the euro since 1 January 2023, so accounts at Croatian licensed sites run in EUR and a Croatian card or bank account needs no currency conversion. Before any money moves, a licensed operator must take your OIB and check your details and age through the Tax Administration’s electronic services. That check is part of registration, not something that waits until your first withdrawal.

Each operator sets its own deposit and payout options and publishes them on its own help pages. As a worked example, here are the payout routes Germania Sport lists on its help site (checked 15 October 2026):

The other 11 licensees publish their own rules, and we have not checked every cashier, so read the payment page of the operator you use before you deposit. A few points apply across the licensed market. Tax on lottery and betting wins is withheld before the money reaches you, so the amount paid out is already net. Payouts go to a method in your own name. And if a withdrawal is delayed beyond what the operator’s own rules say, you are dealing with a company supervised in Croatia: raise it with the operator in writing first, then contact the Tax Administration’s games of chance team at [email protected]. Our casino payment methods guide compares cards, bank transfers and e-wallets in more depth.

Land-based casinos in Zagreb, Split, Zadar and Dubrovnik

Many people searching “casino Zagreb” or “casino Split” want a venue, not a website. Land casinos in Croatia need their own Ministry of Finance approval, and the same 18+ rule applies at the door. Take a valid photo ID, because venues check age at entry.

Zagreb has the largest choice, with venues in and around hotels as well as standalone casinos. Split and Zadar are smaller and busiest in the summer season. For Dubrovnik, directory listings exist but we could not confirm a current venue on an operator’s own site, so check before you travel. Opening hours, dress codes and table limits change, and each venue publishes its own.

Land casinos sit inside the same system as the licensed websites: they hold a Croatian approval, withhold tax under Croatian rules where they apply, and are covered by the self-exclusion register. Several brand names on the online list, such as Admiral and Luckia, also run the venues above.

How to check that a casino site is licensed in Croatia

Checking a licence takes two minutes and needs nothing more than the official list. A logo in a site’s footer proves little; the Tax Administration’s list is the record that counts.

1. Open the official list. The Tax Administration’s page on unlicensed online gambling carries the table of approved online operators, with the company, the game types and the web address.
2. Match the web address exactly. Each approval covers one .hr address. A look-alike domain, a different ending or a mirror is not covered, even if it uses the same brand name.
3. Match the product. The list says whether a company may offer casino games, betting or lottery games. A casino-only approval does not cover a sportsbook.
4. Expect an OIB and age check at sign-up. A site that lets a Croatian resident play without one is not working under Croatian rules.
5. Search the blocklist for anything else. If a site is not on the approved list, check the blocklist spreadsheet; being absent from the blocklist does not make a site licensed.

Our rating method explains how we assess operators, and Germania Sport has its own detailed guide.

What a Croatian licence gives you as a player

The difference between a licensed and an unlicensed site is not the games, which often come from the same studios. It is what stands behind your account when something goes wrong.

The self-exclusion row matters most. A person who has registered with HZJZ is locked out of every Croatian licensed site at once, which only works if they stay inside the licensed system. The blocking row is the practical risk: an unlicensed site can disappear from Croatian connections while money is still in the account, and no Croatian body will help recover it.

Croatia compared with its neighbours

Readers near the borders often ask how Croatian rules compare with the countries next door. The short version: Croatia is the only one of these four where both a public blocklist and a player fine exist side by side.

Read more in our guides to gambling in Slovenia and Bosnia and Herzegovina. If you prefer sports betting to casino games, our guide to bookmakers in the Balkans compares the local books country by country.

How we checked this page

On 15 October 2026 we read the consolidated Games of Chance Act on zakon.hr and the NN 72/25 amendment in Narodne novine, and took the article numbers for advertising, participation, fines and tax directly from them. We copied the 12 approved online operators, their game types and web addresses from the Tax Administration’s page, together with its stated reasons for blocking and the 15-day and 30-day deadlines. We downloaded the blocklist spreadsheet (version 09.10.2026) and checked its rows: the last row is numbered 1,445, and 1,443 rows carry an address. Germania Sport’s payout rules come from its own help pages, read the same day. We checked the HZJZ self-exclusion instructions and the Sveti Ivan hospital contacts on their own sites, and confirmed land venues on the operators’ own websites. Open items: the exact tax band edges, the tax treatment of casino and foreign winnings, the cashier rules of the other 11 licensees, and a Dubrovnik venue.

Frequently asked questions

Is gambling legal in Croatia?

Gambling is regulated in Croatia. Casino games and betting are allowed only through operators approved by the Ministry of Finance, and 12 companies hold online approval, including Hrvatska Lutrija, Germania Sport and Super Sport. Foreign operators are banned, and residents are banned from taking part in foreign games with stakes paid from Croatia, with fines of EUR 1,320 to 6,630 on paper. The minimum age is 18.

Which online casinos are licensed in Croatia?

The Tax Administration lists 12 approved online operators: Adria Casino (senator.hr), Favbet, Germania Sport, Hattrick-PSK, Hrvatska Lutrija, Interigre (admiral.hr), Major Internacional (luckia.hr), Modern Games (olybet.hr), Palisada (vegas.hr), Super Igra (arenacasino.hr), Super Sport and Top Games (rizk.hr). Mozzart and bet365 are not on the list, and both have domains on the Croatian blocklist.

How can I check if a casino site is licensed in Croatia?

Open the Tax Administration’s list of approved online operators and match the exact web address and the game type. Each approval covers one .hr address, such as germaniasport.hr or lutrija.hr, and states whether it covers casino games, betting or lottery games. A licensed site must also check your OIB and age at sign-up. A domain that is not on the list is not licensed.

Can players in Croatia be fined for using foreign casino sites?

Yes, on paper. Article 68(1) of the Games of Chance Act bans taking part in foreign games when stakes are paid from Croatia, and Article 73(5) sets a fine of EUR 1,320 to 6,630 for individuals. We found no published case of a player being fined. Foreigners temporarily in Croatia, such as tourists, are exempt under Article 68(3).

Are gambling winnings taxed in Croatia?

Lottery and betting winnings from licensed Croatian operators are taxed in bands from 10% to 30%, depending on the amount, and the operator withholds the tax when it pays out. We have not confirmed a winnings tax for casino games or how winnings from foreign sites are treated, so do not assume they are untaxed. Ask a tax adviser if the sum is large.

What is the Croatian gambling blocklist?

It is a public spreadsheet from the Tax Administration listing gambling sites ordered to stop operating in Croatia. The version of 09.10.2026 holds more than 1,400 domains, from bet365.com in May 2019 to shelbywin.co in October 2026. Each order is carried out within 15 days of its date, after which the site stops loading on Croatian connections. Large brands such as 1xbet.com and mozzart.com are on it.

How do I self-exclude from gambling in Croatia?

Apply to the national register run by HZJZ at hana.hzjz.hr, signing in with e-Građani. The exclusion applies to every Croatian licensed operator, online and in venues, and can only be lifted after at least 3 months. For questions call +385 1 4863 222. Unlicensed foreign sites are not connected to the register, which is one reason to keep to licensed sites.

Where are the casinos in Zagreb and Split?

In Zagreb we confirmed Grand Casino Admiral and Luckia Casino Zagreb on their operators’ own websites. Split has Admiral Casino Split, and Zadar has Admiral Casino Zadar. Entry is for adults aged 18 and over, so bring a valid photo ID. Opening hours and dress codes vary, so check the venue’s own site before you go.