GENERAL INFORMATION Croatia is a country located in the northwestern part of the Balkan Peninsula. It is a small yet highly geographically diverse crescent-shaped country. Its capital is Zagreb, located in the north.
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3,862,000 people was the estimated population of Croatia in 2024.
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US$84,394m was the Gross Domestic Product (GDP) in 2023.
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US$21,865 was the Gross Domestic Product per capita in 2023.
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US$1,430 per month was the average salary in 2024.
* Converted from EUR to $US, valid as of 14.02.2025: 1 EUR = 1,05 USD.
CORRUPTION PERCEPTION INDEX
Croatia has index of 47, ranked 63, stands before Slovakia which has index of 49 and shares its position with Armenia.
84.4% of Croats used the Internet in 2024. E-COMMERCE PAYMENTS
In recent years, Croatia’s eCommerce market has expanded to a value of US$1.2 billion, with an impressive annual growth rate of 9–10% projected through 2027. Tis rapid development is driven by changing consumer behavior, a strong retail ecosystem, advanced payment solutions, and innovative advertising strategies.
By 2023, 2.9 million Croatians were actively shopping online, representing a penetration rate of 64.5% and an average revenue per user (ARPU) of US$509. With penetration expected to rise to 69% by 2027, the market still holds significant growth potential.
Smartphones have become the dominant tool for online shopping, as 98% of young Croatians access the internet via mobile devices and primarily use them for purchases.
Despite relatively low credit card adoption at just 21%, local payment gateways such as WSpay, T-Com, and CorVus lead the market, while mobile banking apps issued by domestic banks are steadily gaining popularity.
Te sector’s expansion is further fueled by strong domestic platforms like eKupi, Konzum, and Emmezeta, which compete
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alongside global players such as Amazon, eBay, and AliExpress. Additionally, cross- border payment solutions like Nikulipe are making international transactions more seamless, catering to the increasing number of global shoppers.
INTERNET COMMUNICATION
Facebook was the leading social media website in Croatia in 2024, with a share of nearly 60% of all social media site visits. Instagram ranked second with almost 50% of all Croatian social media site visits, whereas TikTok was third.
MARKET SIZE u
US$1,128,697,000 made up the Gross Gaming Revenue (GGR) in 2024.
REGULATED VERTICALS 1. Lottery games (with a state monopoly). 2. Land-based sports betting. 3. Land-based casino. 4. Slot machine hall. 5. Online gambling. LICENSE CATEGORIES
Te licenses covering these verticals are limited by government auction, which is not currently open in Croatia. Gambling Regulator in Croatia announces the auction via local press and answers to all the applications of the auction’s participants within 30 days. As of the date of this article, there is no definitive information on the next auction to be announced. As of February 2025, the maximum number of licenses is limited as follows:
1. Sports betting (including online and land-based offerings) – 20 licenses.
2. Casino license (including online and land-based offerings) – 20 licenses.
3. Slot machine hall license – 55 licenses.
Tus, the online gambling license is attached to the general land-based licenses for casinos and sports betting.
AGENCY RESPONSIBLE FOR GAMING
Tax Administration (within the Ministry of Finance).
Website:
https://mfin.gov.hr/highlights- 2848/tax-administration/2855
CROATIA market report
first contact for expansion 4H Agency
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