Croatia is located in south-east Europe across the Adriatic Sea to the east of Italy. It borders the Adriatic Sea to the south-west, Slovenia to the north-west, Hungary to the north-east, Serbia to the east and Bosnia and Herzegovina to the south-east.
Overview
Online gambling in Croatia has been heavily-regulated since 2010. You can gamble on the Internet in this country as long as you're 18 and order. For sports betting, bingo and keno games, players have to play through the Croatian Lottery website. However, online casinos are regulated differently by the Ministry of Finance.
The difference in this level of regulation and oversight comes from the fact that...
... to operate an online casino inside of Croatia, you must also run a land-based casino there as well. This has kept out some of the more well-known operators, and while this would typically be a bad thing for the players, the operators that have decided to run there are kept under a close watch.
What is more, they are solely authorized to provide interactive gambling services within the same vertical as their land-based establishment. This has made it all the more easier for legislators to regulate and get a clear overview of each operator separately.
Setting up legislation and licensing...
... has been a process that demanded great efforts on behalf of the Croatian government, more specifically the Ministry of Finance. Nevertheless, the country has been able to benefit just as greatly, through the different fees and taxation policies implemented.
More specifically, the tax on gambling wins has been set according to a progressive model – 15% on gains ranging from HRK 30k (Croatian Kuna) to HRK 500k, and 20% for anything above this threshold. New measures have also been proposed, in order to determine the tax rate even more precisely by splitting it across several limits. Tax imposed on operators is set at 5% for lottery ticket sales, 5% of the betting turnover, 15% from casino and 25% from slot receipt. Finally, the government also collects an annual license fee from all its operators in the amount of HRK 3m, €395k.
Licensing
Licensing for online gambling in Croatia is performed by the Ministry of Finance, and they take it very seriously. Licensees are required to put up large cash deposits that are used for drawing overdue taxes and for rectifying player complaints that are found to have merit.These are equal to the licensed operators’ annual fee of HRK 3m, meaning operators would need to have twice the amount of initial capital just to get their interactive business started.
Along these lines, this provides players with a safety net in case things go wrong. This type of safety net is one of the more advanced ways of keeping the funds safe for players, but they also have auditing that assures their operators are keeping personal information and banking services secure as well.
Player Protections
If a player feels that he or she has been wronged, then there are very straight-forward channels to pursue to get that issue fixed. A big part of this is the financial safety net mentioned above, but another part of it is that the online casinos and land-based casinos are tied together.
A company doesn't want to lose their land-based establishment over shady online dealings, so this provides an appropriate system of incentives for the operators to take advantage of their players.
Overall, the level of player protections in this country is fairly high, and no one should worry at all about the legitimacy of their licensing process or regulatory body. The high penalty fee for breaking licensing or other gambling regulations of up to HRK 500k alone is enough proof for every interested player.
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