Croatia is the Land of Many Islands and Even More Gambling Licenses
Known for its hundreds of rugged islands, azure coastlines, and the several filming locations of the Game of Thrones series, Croatia is quickly garnering popularity for its gambling market. Except for blood sports, near-all other forms of gambling are legal in Croatia.
Currently, there are dozens of operators that provide casino or sports betting services to Croatians. The reason for this is the Croatian government’s efforts to legalize the market successfully. Online gambling has been a thing in Croatia for over a decade. However, the Croatian legal status of real money casinos became cemented and far more regulated with the 2014 law about betting on games of chance.
The land-based gambling market in Croatia has been operating since the 1960s. However, it further expanded in 1991 when Croatia became an independent country. The online gambling industry exploded in the mid-2010s after Croatia, a member of the EU, ratified the 2014 gambling legislation by the European Commission.
While the law made online gambling more accessible to Croatians, it does include provisions that make it harder for gambling companies to obtain a license. For instance, the Croatian Ministry of Finance requires gambling platforms also to operate a land-based casino before they can acquire a license. And getting a permit doesn’t come cheap. Operators must cash out 3,000.000 Croatian kunas (HRK, approx. $475,000) for a license and renew the license each year at the same cost. Additionally, every Croatian casino operator must have 3 million HRK at hand at all times to be able to payout players.
Fine HR Casinos Offering Even Finer Bonus Offers
Despite the rigid laws, there are still dozens of real money casinos and sports betting sites operating in Croatia. The stringent Croatian regulations and licensing fees have served as a natural selection of the Croatian iGaming market. This has allowed only top-notch casinos who have the resources, experience, and technical know-how to adapt to the gambling laws in different countries.
Genesis Casino, Casimba, Jackpot City, 888 Casino, and Bet365 are just a handful of the highly reputable sites that have obtained a license from the Croatian Ministry of Finance. In other words, these are Croatian casino sites where every necessary aspect of gambling is followed according to the highest standards. This renders them airtight in terms of security and guarantees a premium gaming experience to Croatians. But, of course, the games, promotions, and bonuses contribute most to a casino’s overall excellence and appeal.
Collectively, Croatian gambling sites cover all known casino bonuses. Daddy is thinking of signup, or welcome bonuses, no deposit spins, no deposit cash bonuses, and no deposit chips. Additionally, Croatians can find reload offers (a bonus that rewards you when you make a deposit), as well as sites with bountiful loyalty and VIP programs. Croatian VIP members can get extensions on their withdrawal limits or personal account managers. To top it off, loyal and VIP members from Croatia are regularly granted exclusive offers such as deposit or no deposit bonus codes, no deposit spins for the latest games, cashback offers, and more.
Most Profitable Offers – Croatian No Deposit Bonus Clash
Many Croatian players get so carried away looking for generous reload offers, extra spins, or no deposit offers that they overlook what’s actually crucial for a bonus: its rules and terms. Daddy will examine two welcome promotions for Croatians from two different casinos and analyze the upsides and downsides of each, including the type of players they are targeting. One is from Genesis Casino, the other from Casino Casimba. Both are licensed and legal sites that provide gambling services to Croatian players.
Genesis Casino offers Croatians a pretty big welcome bonus of $1,000 plus 300 free spins. Croatian players should know the bonus is awarded on their first four deposits. The first deposit is a 100% match of up to $100. The second is a 50% bonus of up to $300. Two 25% bonuses on the 3rd and 4th deposits are available for all new signups. To activate each bonus, Croatian players need to use four codes. Croatians will find the first deposit offer the best, as it is a 100% bonus that also includes 300 free spins on the Starburst slot.
Concerning Casimba’s welcome offer for Croatians, it’s the opposite. The massive match bonus of 200% up to €5,000 on the first deposit is meant to please Croatian high rollers. Of course, it would make a convenient offer even for Croatian players with little experience, considering the minimum deposit to activate it is just $20.
Casimba’s signup package provides a 25% bonus up to €1,000 (2nd deposit) and a 50% bonus up to $500 (3rd deposit). The package includes a total of 125 free spins. While being a pretty big offer, the 35x wagering requirements, which apply to the total bonus and deposit amounts, including spins winnings, make it unsuitable for Croatians who are on a budget.
Tiered Welcome Bonus
100% up to $100
200% up to €5,000
50% up to $300
25% up to €1,000
25% up to $300
50% up to €500
25% up to $300
The offer from Casimba is incredibly lucrative. It has fewer wagering requirements, but a slightly bigger minimum deposit amount. Still, in Daddy’s opinion, this offer is perfect for passionate high-rollers who want to start their gambling journey with as many funds as possible.
Quick Guide on Choosing the Best No Deposit Casino
There are a few factors other than games and no deposit bonuses that Croatians should consider before joining any gambling site.
The license is the single most crucial aspect of any casino. Of course, many gambling sites are regulated but not licensed. However, the license issued by a special regulatory body guarantees that every part of the casino is run according to the latest gambling laws and industry-wide standards.
As far as customer services go, there are few things to take into account. First, ensure that the site provides more than one means of communication. Through the usual email contact, responses can be a bit prolonged, so check if the site has a live chat option or phone number.
A good range of payment methods is an asset for any virtual casino, allowing access to its services to a greater player base. The payment methods can vary from one Croatian casino to another. Traditional payment options, like credit and debit cards, bank transfers, and digital wallets, are available at nearly all no deposit casinos. Some sites also accept vouchers, or prepaid payments, which can only be used for depositing, but not withdrawing money.
Fairness and transparency relate to both games and bonuses, as well as the casino’s terms. Games are fair if they provide fair results, i.e., random results (particularly slots and other games that depend exclusively on chance) by using a random number generator. Transparency refers to straightforward terms.
Croatian Mobile Casinos are in Demand
Throughout the Covid-19 pandemic, punters in Croatia have quickly adjusted to conducting many social activities remotely, much like those worldwide.
Online casinos operating in Croatia are all optimized for mobile play. Except for the graphic quality and vividness of sounds, there’s not much difference between mobile and desktop casinos. If the casino is strictly web-based, Croatians will easily access it through any mobile web browser and play nearly all casino games. But, then, some virtual casinos have dedicated applications. The apps can be specific for Android, Apple, or Windows users, or all. Casimba, 888 Casino, and Spin Casino are the gambling operators with the best apps and mobile platforms.
Daddy’s Choice for the Best No Deposit Casino for Croatian Players
At least half a dozen Croatian casinos qualify to be the best no deposit gambling sites with Daddy’s recommendation. If Daddy had to settle for one, it would be Casimba Casino.
The bonuses are not the decisive factor that led Daddy to pick this site, but they play a big role. Along with the massive welcome bonus that appeals to high-rollers, Casimba has several other active offers and occasionally drops a special no deposit offer for new players. Apart from the welcome package, the site awards cash prizes to 10 players every Monday. Moreover, the casino offers VIP and loyalty programs where you can receive anything from free spins and no deposits, gain access to exclusive tournaments, and win loyalty points that can be redeemed as bonus credits and used on games.
The site is licensed by the Malta Gaming Authority and managed by White Hat Gaming – a noted supplier of casino games from leading providers. The company also provides player account management solutions to casinos it has partnered with.
The bonus rules, while somewhat strict, are easily understandable, and there seem to be no deceptive or hidden rules. The customer response time and efficacy are up to a high standard. In addition, all the games are tested for fairness, and payments and withdrawals are processed slightly faster than your average casino.
Overall, Casimba is one of the top no deposit casinos that Croatia has to offer – even though such offers are not available at all times but are treated as exclusives. The exception is the welcome bonus free spins, which don’t require additional deposits.
NetEnt and Microgaming are Dominating the HR Market
NetEnt and Microgaming are unarguably two of the top five casino software developers and game providers. Both founded in the 1990s, they offer players experience, quality, and excellence with their games.
Between them, there are hundreds of casino games available online. From slots to live dealer table games and bingo, they have all grounds covered. Microgaming undoubtedly has the better choice of live dealer games. Their gallery includes live roulette, live blackjack, live baccarat, live Hold ’em, and Sic Bo.
NetEnt, on the other hand, has the better slots, although, in terms of numbers, Microgaming has the edge. NetEnt slots, however, are characterized by their superb graphics and game bonus features. Also, some of the best-known slot titles (Starburst, Gonzo’s Quest) are NetEnt products.
And the great thing about these providers is they are ubiquitous. Therefore, their games can be found essentially on any mainstream virtual casino.
Other noted providers at virtual casinos in Croatia include Red Tiger Gaming, Yggdrasil, Quickspin, and more.
Table Games are the Favorite Pastime for Croatian Players
Slots can be so much fun and can help feed players’ balance with good wins. But they have only so much gaming potential. After all, players can only make a few minor adjustments to a slot game before they start endlessly clicking the ‘spin’ button before either getting bored or scoring a big win to keep them motivated.
Apart from slots, Croatians enjoy playing classic table games, both in brick-and-mortar and virtual casinos.
While blackjack and roulette are among the most played casino table games in Croatia, poker, especially the good ol’ Texas Hold ’em, has increased in popularity. This is because land-based casinos in Croatia have long-offered poker tables, including variants like Seven-Card Stud and Five-Card Draw. Also, unlike slot games, table games can depend on raw luck (roulette) or a combination of luck and skill, like poker, baccarat, or blackjack.
Top Slots with Progressive Jackpots
To underline, Microgaming and NetEnt aren’t the only providers of no deposit bonus games for virtual casinos in Croatia. Croatians have access to all types of slots and casino games from these providers. However, they do have some of the best-known slots. From low to high volatility games, to classic 3-reel slots like Microgaming’s Mega Money Multiplier, to NetEnt’s 5-reel hit, Starburst – Croatian players have many titles to choose from.
NetEnt and Microgaming’s games are popular for their design, rewarding symbols and combinations, multipliers, and, of course, progressive jackpots. As a result, many of their slots have in-built progressive jackpot bonuses.
Take, for instance, Microgaming’s super popular Mega Moolah, where Croatians can hope to win one of four progressive jackpots. The Mini, Minor, Major, and Mega jackpots each start at $10, $100, $10,000 and $1,000,000, respectively.
The biggest Mega Jackpot payout is a staggering €19.4 million, won in April 2021.
Available Payment Methods fro Croatians
After Croatians choose their casino, one of the first things they need to do, usually during the sign-up process, is choosing a payment method.
Daddy suggests Croatians avoid using vouchers or prepaid payment services unless there is no other choice. You can only use such payment services to deposit, not withdraw funds which isn’t that favorable.
Online casinos in Croatia offer a variety of payments. Credit and debit cards like Visa, MasterCard, and Maestro are among the most popular among Croatians, as they are easy to use, relatively safe, and everyone owns one. Aircash, MuchBetter, and Bank Transfer are also popular options.
Though some Croatian no deposit casino sites may also accept cryptocurrencies, Daddy suggests that Croatians avoid using crypto to avoid getting in legal trouble. This is because the laws for using crypto for online gambling in Croatia are unclear, to put it mildly.
Croatian Players Prefer E-wallets Due to High Taxation
Aside from payment cards, digital or e-wallets are gaining wider recognition among Croatian punters. One reason for this is to avoid the high taxes on gambling imposed by the Croatian government.
Gambling regulatory agencies in Croatia impose taxes not only on operators but also on Croatian players’ winnings. Croatian punters are subject to a 10% tax on winnings up to 10,000HRK (around €1,300). Croatians who win between 10,000HRK and 30,000HRK (€4,000) are taxed at a rate of 15%. Winnings of 30,000HRK or more carry a 20% tax, while winnings of 500,000HRK (€65,000) or more are subject to a hefty 30% tax.
Free Gambling Comes with a Price
Despite the hefty taxation on Croatian punters, casino operators themselves pay the lion’s share of the taxes. Apart from the nearly €500K licensing fee paid yearly, casino sites operating in Croatia must pay a specific fee for different types of gambling services.
Online casinos in Croatia must pay a 5% tax to the government for sales of lottery tickets. The Croatian government also incurs a 5% tax on overall betting turnover, a 15% tax on gambling revenue from casino games, and a 25% tax on income from slots gambling.
Croatian punters have been undoubtedly affected by the taxes. However, it appears it hasn’t deterred them from trying to leverage the potential of casino sites.
Legal Landscape and the Future of Online Gambling in Croatia
Croatia is a land with a relatively small population (around 4 million residents). However, Croatians have practiced gambling and sports betting for decades, and the Croatian government has leveraged this by legalizing and regulating the industry with its 2014 law. Also, it’s worth noting that online gambling in Croatia has existed since 2010 but hasn’t been as regulated.
Croatia has placed itself as uncompromising in maintaining legal gambling. Thanks to the strict laws, Croatia has helped create a market that doesn’t tolerate gambling malpractice, scams, and fraud. But, casino sites have had to follow the Croatian government’s regulations and laws, including their high taxes.
One major snag about gambling in Croatia is that taxes don’t only apply to the operators, as Croatian players are also subject to various taxes on their winnings.
No Deposit Bonus Offers in Croatia vs. Other Balkan Countries
Of all the countries in the Balkans, Croatia has the most developed iGaming market.
No deposit offers in Croatia are not available that often. Still, there are more such offers available to Croatians for the simple reason that there are more internet gambling operators in Croatia than any country in the Balkans.
Croatia No Deposits FAQ
Are no deposit bonuses worth claiming for Croatian players?
No deposit bonuses are worth claiming for Croatians who are just starting out. With no deposits, Croatian gamblers get an opportunity to get to know a casino before they start making serious deposits.
How to address my gambling problems and get help?
Croatian web-based casinos have a proper system to address problem gamblers. Scroll down to the bottom of the site, click on the ‘responsible gambling’ button, and see what options you have available.
Which online casino offers a sign-up bonus that does not require a deposit?
Not many online casinos in Croatia offer no deposit bonuses. However, complementary spins included as part of larger bonus packages can also be seen as no deposits. For instance, high-roller Croatians who play for Casimba’s welcome package can get their hands on a total of 125 no deposit spins other than the one to qualify for the cash bonus.
Croatian players who become VIPs can expect to receive such or similar offers from time to time.
Where can I find the latest no deposit bonus codes?
Online casinos operating in Croatia are numerous, so there’s always a chance to find no deposit offers. Daddy recommends Croatians to read reviews first of the best no deposit sites available in Croatia. Then, check each casino individually to see if they have an attractive no deposit promotion.