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The betting market in Croatia is relatively new, but this type of entertainment has become one of the favorite pastimes for Croatian people. Croatian locals increasingly pay attention to betting games since their access to NATO and the European Union.

Croatia is considered a developing country with gambling activities since its change in the gambling law in 2014. Hence, how are the gambling laws and betting culture in Croatia different from those in England? Let's find out!

Croatia Gambling Laws

Croatia was one of the first countries from the Eastern Bloc to legalize gambling in the 1960s. After gaining independence in 1991, Croatia has remarkably developed the gambling industry, particularly attracting foreign bettors. That is why significant casinos in Croatia are often located in coastal hotels.

Gambling laws in Croatia until 1991 only allowed the country’s citizens to be entertained; therefore, the Croatian government monopolized gambling. However, in January 2009, the Chanced Games Act was born, allowing the construction of casinos and betting on a wide range of sports and games.

In 2013, Croatia joined the EU and was forced to bring gambling rules in line with the rest of the Union. Therefore, the Gambling Law in Croatia was officially regulated by Zakon o igrama na sreću in 2014, approved by the European Commission in November of the same year. One important change that was made is the association of a € 500,000 fee to a gambling license. Most operators are not satisfied with this unreasonably high cost of getting a permit in the country.

The legal age for betting in Croatia is 18, with the right to gamble on 20 state-operated, licensed land-based casinos.

Gambling Activities in Croatia 

Currently, betting on both land-based and online casinos is entirely legal in Croatia. However, some restrictions and regulations are governing the gambling market here. Bettors are only allowed to play table games such as poker at the land-based casinos.

Online betting games are offered only by state-run Hrvatska Lutrija and Prva Sportska Kladionica. Players can enjoy a wide range of betting games such as lottery, sports betting, Keno, and live bingo on these sites.

However, the good news for Croatian gamblers is that the government has just decided not to shut down the online gambling markets, and there will be plenty of online casinos to choose from, even unlicensed online gambling sites will not be blocked. It is not illegal for Croatian players to search for betting games on foreign websites that are not legalized. There are also many licensed websites in other jurisdictions that allow Croatian players to access their games.

In addition, online gambling in Croatia is always one of the best entertainment options without ever leaving the house, and players will not need to spend large sums of money on hard-to-find prizes to pay taxes. In Croatia, all winnings are taxed, and the gambling tax rate in this country is the highest in the Balkans.

  • Winnings below 10,000 Kuna are taxed 10%;
  • Winnings from 10,000 to 30,000 Kuna are taxed at 15%;
  • Winnings of 30,000 Kuna or more are taxed by 20%;
  • Large winnings of 500,000 Kuna or more are subject to a high tax rate of 30%.

Deposit and Withdraw Methods 

Online casinos in Croatia will have different deposit options available. Players will need to find a deposit and withdrawal method that suits their unique needs, including credit or debit cards, via e-wallet to bank transfer.

Most of the popular payment methods that many Croatian players choose to deposit or withdraw at online casinos include:

Electronic wallet

Skrill, Neteller, and Ecopayz are popular choices for Croatian players at online casinos. These e-wallets offer the fastest methods of withdrawals and deposits to date, at a reasonable cost. Besides, the companies of these e-wallets also issue a debit card, which will be linked to the bettors’ e-wallet account for withdrawals at ATMs or to pay online directly.

Cryptocurrencies

The cost and speed of transactions are a big plus for cryptocurrencies. However, it will be quite inconvenient for beginners. Croatian players can buy cryptocurrency on Binance or Bitstamp, which is generally legal in the country.

Besides, in Croatia, PayPal is also one of the best and safest ways to transfer and withdraw money.