Gambling Luxembourg Legal
AUSTRIA
Regulated gambling products: Sports betting, horse race betting, poker, casino, bingo and lottery.
Operator type: Licences for sports betting and horse race betting are available for private operators on a regional basis within Austria, whereas poker, casino, bingo and lottery are controlled by the monopoly, Casinos Austria, which has exclusive rights until 2027.
Status: The CJEU has held that the Austrian casino monopoly is incompatible with EU law in a number of cases, although national courts continue to reach conflicting decisions on the compatibility of Austria’s current gambling legislative framework with EU law and the position remains unclear.
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Use our exhaustive casino directory to list and compare the top online gambling sites in United Arab Emirates. GamingZion’s algorithm will find you the perfect online casinos in. Gambling is legal, but strictly regulated. in the grand duchy. Gambling in Luxembourg started in the 1880s with the opening of the Casino Bourgeois, but was made illegal in the 20th century till 1970. Currently, there is only one casino in the country, Casino ‘2000’ Montdorf.
BELGIUM
Regulated gambling products: Sports betting, horse race betting, poker, casino, bingo and lottery.
Operator type: All products are available to private operators except for lotteries, which are reserved exclusively for the monopoly provider. However, online operators need to partner with a land-based licence holder in order to satisfy a local establishment requirement; alternatively, apply for one of the retail licences that can be extended to cover online.
Status: There remain valid arguments that the existing regime is incompatible with Belgium’s EU Treaty obligations. Active enforcement measures against operators and players are in place. A mandatory, weekly deposit limit of €500 for all customers of licensed operators is in effect. A draft law to introduce an advertising and sponsorship ban has been submitted to parliament.
BULGARIA
Regulated gambling products: Sports betting, horse race betting, poker, casino, bingo and lottery (excluding raffles and instant lottery games).
Operator type: All products are available to private operators except for lotteries, which are to be reserved exclusively for the monopoly.
Status: Any operator from an EU/EEA jurisdiction or the Swiss Confederation can apply for a licence. The Bulgarian regulator has awarded approximately 30 licences to date, including to a number of international operators. The government has adopted amendments to the country’s gambling legislation to establish a monopoly on lotteries in Bulgaria, with any existing lottery licences to be revoked with immediate effect following the amendment’s entry into force.
CROATIA
Regulated gambling products: Sports betting, horse race betting, poker, casino, bingo and lottery.
Operator type: All products are available to private operators except for lotteries, which are reserved exclusively for the monopoly provider. Private operators can only be licensed to offer online gambling if they obtain a land-based casino or betting licence.
Status: Attempts by the Ministry to update its gambling legislation have been subject to criticism in respect of EU incompatibility issues (including the requirement that only holders of land-based licences can offer online gambling). Regulatory reforms appear to have stalled in the country.
CYPRUS
Regulated gambling products: Sports betting, horse race betting and lottery.
Operator type: OPAP has a monopoly over lottery operations; betting licences are available to private operators.
Status: Cyprus regulated online betting in July 2012, although a licensing regime was not established until 2016. ISPs are obliged to implement blocking measures to prohibit Cypriot residents from accessing unlicensed gambling websites. A betting law, which entered into force in March 2019, replaced the 2012 Betting Law. The provisions of the 2019 law are substantially the same, with minor amends introduced to address EU incompatibility concerns under the previous law (such as the requirement to have a local branch in order to obtain a betting licence). An overhaul to player protection measures has been proposed by the betting regulator.
CZECH REPUBLIC
Regulated gambling products: Sports betting, horse race betting, poker, casino, bingo and lottery.
Operator type: EU and EEA-based operators are able to apply for licences.
Status: The gambling regulatory regime, which entered into force in the Czech Republic on 1 January 2017, allows EU/EEA companies to enter the market. ISP-blocking measures are active in the jurisdiction. Tax rates reportedly increased to up to 30% of GGR for certain online gambling activities from January 2020.
DENMARK
Regulated gambling products: Sports betting, fantasy sports, horse race betting, poker, casino, bingo and lottery.
Operator type: Licences for all gambling products are available to private operators save for lotteries, which are controlled by the state monopoly.
Status: The Danish online gambling regime went live on 1 January 2012. ISP-blocking measures are active in the jurisdiction and the Danish Gaming Authority (DGA) has been granted an injunction to block operators and suppliers that have been targeting Danish customers without the requisite licence. As of 1 January 2020, licensed operators are required to ensure that customers have set deposit limits before they are allowed to gamble, although it is understood this applies to online casino only. The regulator introduced new marketing regulations, effective from 1 April 2020.
ESTONIA
Regulated gambling products: Sports betting, horse race betting, poker, casino, bingo and lottery.
Operator type: Licences for all gambling products are available to private operators save for lotteries, which are reserved exclusively for the monopoly operator.
Status: Operators seeking to accept business from players in Estonia must be issued an activity licence for the type of gambling they wish to offer, then an operating permit to provide the services online. A blacklist of operators is maintained and updated by local authorities and ISP and payment blocking is in force. Though some operators argue that the regime is still not compatible with EU law, no notification alleging incompatibility has been issued by the EC since the requirement for licensees to maintain servers in Estonia was removed.
FINLAND
Regulated gambling products: Sports betting, horse race betting, poker, casino, bingo and lottery.
Operator type: All gambling products are under the exclusive control of monopoly provider Veikkaus Oy.
Status: Despite the existence of a national monopoly, EC enforcement action was dropped subsequent to various changes to Finnish laws. Active enforcement measures are in place (restrictive marketing for offshore operators in particular) and the government is exploring measures to further restrict the offshore supply of gambling services. The Finnish Competition and Consumer Authority published a report in 2019 criticising the existing regime, citing failures of the current monopolistic system that arguably raise questions over the regime’s compatibility with EU law. Maximum loss limits have been lowered by government decree until 30 September 2020 (applicable to monopoly provider Veikkaus Oy) in light of the Covid-19 pandemic, with enforcement efforts expected to be stepped up against unlicensed operators to combat increases in offshore play.
FRANCE
Regulated gambling products: Sports betting, horse race betting, poker, bingo and lottery.
Operator type: Private operators can obtain online licences for sports betting, horse race betting and poker. The monopoly has exclusive rights to bingo and lottery.
Status: A regulated market since the introduction of a licensing regime in 2010, following which the EC withdrew its infringement proceedings. A new regulatory authority, L’autorité Nationale des Jeux, took over from ARJEL in June 2020. Responsible gambling advice has been issued to operators and players during the Covid-19 crisis, with a warning against using bonuses to attract new players to poker.
GERMANY
Regulated gambling products: Schleswig-Holstein, a small northern-German state, regulates sports betting, horse race betting, poker, casino and bingo. The other 15 states of Germany currently permit only sports betting and horse race betting.
Operator type: Private operators can no longer obtain casino licences in Schleswig-Holstein under the existing regime, although S-H has approved legislation to reinstate existing licences until 2021 (with operations allowed to continue in the interim). S-H has also introduced a quasi-licensing regime for sports betting (intended to be of a transitional nature). In the other 15 states, horse race betting licences are available at a regional level. Sports betting licences can be applied for by private operators as of 1 January 2020, albeit the licensing process has been suspended following a ruling of Administrative Court of Darmstadt in April (currently the subject of appeal).
Status: The main legal framework for gambling regulation in Germany has been the subject of much debate and has been heavily criticised by the EC and interested parties/states within Germany for a number of years. Discussions to reform the existing legislation resulted in the approval of the 3rd Amendment Treaty which entered into force on 1 January 2020. The 3rd Amendment Treaty removes the limit on the number of sports betting licences and re-introduces a sports betting licensing process. The ban on online casino remains in place, although there is an exception to the prohibition for S-H. On 12 March 2020, the German prime ministers approved the new Interstate Treaty on Gambling which proposes to bring new licensing options for private operators for online poker and virtual slots (although stringent restrictions, such as stake limits, are expected to be implemented). The Treaty, which has been notified to the EC and is scheduled to enter into force from 1 July 2021, still needs to be ratified by state parliaments before becoming law. In September 2020 the German states agreed a toleration regime that is expected to enter into force in October 2020 under which operators may offer online poker and online slots provided certain restrictions (such as stake limits) are followed.
GREAT BRITAIN
Regulated gambling products: Sports betting, horse race betting, poker, casino, bingo and lottery.
Operator type: All licences are available to private operators save for lottery, which is reserved exclusively for the monopoly provider, Camelot.
Status: Any operator that transacts with, or advertises to, British residents requires a licence from the Gambling Commission (GC). Licensed operators are required to source gambling software from GC-licensed businesses. Licensed operators are prohibited from allowing consumers to use credit cards to gamble (including online and land-based gambling with the exception of non-remote lotteries) as of 14 April 2020. The GC is set to consider the introduction of stake limits online, with a decision to be made by late autumn of this year.
GREECE
Regulated gambling products: Sports betting, horse race betting and lottery.
Operator type: All products are exclusively reserved for the monopoly providers pending the implementation of an open licensing regime, although certain private operators are permitted to operate on a transitional basis.
Status: In 2012, a ‘transition period’ commenced, whereby the Greek government granted 24 transitional licences to operators, enabling them to provide services to Greek residents. Legislation, which introduced an open licensing regime for online betting and “other online games”, including casino and poker, entered into force on 30 October 2019. The new regime was delayed but eventually became operational following the publication of implementing regulations in August 2020. Operators holding a transitional licence may continue to offer services until a decision is made to grant a permanent licence (provided also a further application was submitted prior to 6 September 2020).
HUNGARY
Regulated gambling products: Sports betting, horse race betting, poker, casino, bingo and lottery.
Operator type: Only the state monopolies (Szerencsejáték Zrt. and Magyar Lóversenyfogadást-Szervezo Kft) and local concession companies can apply for a licence.
Status: Amendments to Hungarian gambling law came into force on 1 October 2015 and allow only two land-based casinos to hold remote casino concessions. The regulator has since issued fines, a number of which have been challenged, against unlicensed operators that continue to target the market. In June 2017, the ECJ determined Hungary’s gambling regime to be incompatible with Article 56 TFEU. A subsequent ECJ decision in February 2018 ruled against the Hungarian requirement that online gambling operators must have a land-based licence to offer online gambling services to Hungarian citizens, further strengthening arguments that the current regime is incompatible with EU law.
IRELAND
Regulated gambling products: Online betting regulated since August 2015. Online gaming is not specifically accounted for in Ireland’s outdated legislation and as such is currently unregulated.
Operator type: Private operators can apply for a betting licence.
Status: Ireland has contemplated updating its legislation, which will create a comprehensive igaming regime, for some time. The Gambling Control Bill – the legislation which promises to specifically regulate online gambling – has been subject to continued delay and legislative progress is not expected in the short- to medium-term. Legislation to more generally modernise the regulation of gambling in Ireland, which was set to enter into effect in December 2020, has also been delayed until 2021.
ITALY
Regulated gambling products: Sports betting, horse race betting, poker, casino, bingo and lottery.
Operator type: Fully regulated market, although lotteries are the subject of a state monopoly.
Status: Remote gambling licences are granted within specific application windows. The last tender process for applications closed on 19 March 2018. AGCOM, the Italian communications regulator, recently issued its first sanction against an operator for violation of the advertising ban (introduced in 2018). New measures to combat unlicensed gambling, including payment blocking measures, entered into effect in October 2019. The 2020 Budget Law provides for the organisation of a tender for the issuance of licences by 31 December 2020 – it is understood there will be 40 licences available for online gambling. A new tax, which amounts to 0.5% on turnover, is set to be introduced on all bets on sporting events (including virtual sports) until 31 December 2021.
LUXEMBOURG
Regulated gambling products: Lottery.
Operator type: Monopoly.
Status: The general prohibition on gambling appears sufficiently wide to cover all forms of online gambling.
MALTA
Regulated gambling products: Sports betting, horse race betting, poker, casino, bingo and lottery.
Operator type: Private operators can apply for a local licence (except for lottery products).
Status: In 2018, Malta approved a new Gaming Act that replaced all existing gaming legislation with a single piece of legislation, supplemented by secondary legislation. The Gaming Act, with directives and regulations, became effective on 1 August 2018.
NETHERLANDS
Regulated gambling products: Sports betting, horse race betting, poker, casino, bingo and lottery.
Operator type: Monopoly for all products.
Status: The Remote Gambling Bill, intended to introduce a new regime, was expected to enter into force on 1 January 2021, with a six-month window for licence applications; however a delay until 1 March 2021 is now anticipated. It is understood that operators that have directly ‘targeted’ the Dutch market will face a 30-month cooling-off period before being eligible for a licence. Full implementation of a licensing regime is not expected until 1 September 2021 at the earliest, though the Dutch Justice Minister has indicated that there may be further delay due to the COVID-19 outbreak. In the interim, the regulator is expected to continue to implement enforcement measures against operators targeting Dutch players.
NORWAY
Regulated gambling products: Sports betting, horse race betting and lottery.
Operator type: Online gambling is reserved for the two monopoly providers, Norsk Tipping and Norsk Rikstoto.
Status: The monopoly has extended its offering to include live betting, online bingo and casino games in an attempt to redirect traffic from unlicensed sites. The Norwegian regulator continues to step up enforcement efforts against unregulated operators, local banks and payment service providers. The government has passed amendments to try and stem the flow of gambling supply from offshore, including enhanced enforcement powers to prevent gambling advertising from abroad. Expanded payment blocking provisions entered into effect on 1 January 2020.
POLAND
Regulated gambling products: Sports betting, horse race betting, casino and poker.
Operator type: Betting licences are available for companies with a representative in Poland. Casino and poker are reserved for a state monopoly.
Status: Legislation enacted on 1 January 2012 permits betting. Online gaming (including poker) is no longer prohibited as of 1 April 2017, although the exclusive rights to offer such products are reserved for a state monopoly. Provisions that provide for the establishment of a blacklist of unlicensed operators and ISP and payment blocking came into force on 1 July 2017. The blacklist contains more than 1,000 domain names.
PORTUGAL
Regulated gambling products: Sports betting, horse race betting, poker, casino, bingo and lottery.
Operator type: Any EU/EEA operator can apply to be granted a licence for online gambling. Lottery games and land-based fixed-odds sports betting remain reserved for a monopoly.
Status: A regulated market since 2015. Although operators can apply for licences, their Portuguese revenue streams are subject to comparatively high tax rates, particularly in sports betting. Portugal’s 2020 Budget will implement changes to the current taxation rates applicable to selected gambling products offered online.
ROMANIA
Regulated gambling products: Sports betting, horse race betting, casino, bingo and lottery.
Operator type: Any operator from an EU/EEA jurisdiction or the Swiss Confederation can apply for a licence. Lottery games remain reserved for the monopoly.
Status: The Gambling Law (as amended) introduced a legal framework for a fully regulated online gambling market and requires licences to be held by online gambling operators, as well as software providers, payment processors, affiliates and testing labs. The secondary legislation that fully implemented the new licensing regime came into force on 26 February 2016. The gambling regulator actively polices the regime and notifies ISPs to block blacklisted websites. A legislative proposal to further amend the Gambling Law was submitted to the Romanian Senate in September 2020.
SLOVAKIA
Regulated gambling products: Sports betting, horse race betting, poker, casino, bingo and lottery.
Operator type: Private operators can apply for licences for online casino and for sports betting licences. Lottery and bingo remain reserved for the monopoly provider.
Status: The Gambling Law came into force on 1 March 2019. The Gambling Law allows private operators outside of Slovakia to apply for licences for sports betting and casino, although sports betting licences did not take effect until 1 July 2020.
SLOVENIA
Regulated gambling products: Sports betting, horse race betting, poker, casino, bingo and lottery.
Operator type: Online gambling must be operated by land-based casinos or lotteries and, as a result, only the monopoly holds online licences in Slovenia.
Status: The requirement that only land-based Slovenian operators are eligible for licences is considered by certain industry stakeholders to be incompatible with EU law. Draft amendments to the Gaming Act were published in 2015, which aimed to remove the current local establishment requirement. However, the proposal does not appear to have been submitted to parliament to date. Whether any proposed amendments will ultimately introduce an open licensing system remains unclear.
SPAIN
Regulated gambling products: Sports betting, horse race betting, poker, casino, bingo and lottery.
Operator type: Private operators can apply for licences for all gambling products save for lottery.
Status: Operators must hold a general licence and a specific licence, both issued by the National Gambling Commission, for each activity. Remote gambling licences are granted within specific application windows. The last tender process for applications closed on 18 December 2018. In July 2020, Spain notified the European Commission of a draft decree that proposes restrictions on gambling advertising, sports sponsorship and welcome bonuses.
SWEDEN
Regulated gambling products: Betting (including sports, horse race, pool, exchanges), casino, poker, bingo and lottery.
Operator type: Licences are available for private operators.
Status: As of 1 January 2019, Sweden is a fully regulated market. All gambling operators that wish to offer their services to Swedish residents will be required to obtain a licence in order to validly do so (either a ‘betting’ licence or a ‘commercial online games’ licence, depending on the product(s) being offered). Active enforcement measures are in place. Temporary regulations, which were introduced on 2 July 2020 in response to the Covid-19 crisis, restrict, among other things, deposit and loss limits (applicable to casino only) and total login time. The measures are expected to be in place until the end of 2020.
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Reactions to the UK’s Gambling Act Review
- December 8, 2020
The announcement that the gambling industry has been waiting to hear has now been announced, meaning the 2005 Gambling Act will now be reviewed and updated to bring it in line with changes that have occurred over the past 15 years.
The priorities for change will involve advertising, with a push to have it removed from sport; and consumer safety, including maximum stakes for slot games.
The ultimate goal of the review will be to bring the gambling industry “into the digital age”, something that had not been considered back in 2005.
Gambling Luxembourg Legal System
UKGC
The UK Gambling Commission will sit at the centre of the review, helping to guide and also preparing itself for the impact of change on its own operations.
A spokesperson for the UKGC had this to say:
“We welcome the government’s Review of the Gambling Act which will also consider our powers and resources. Our job is to make gambling safer and the Review creates an opportunity to build on the progress we have made to protect players and the public – such as strengthened age and identity verification, strict new guidance for so-called VIP schemes and banning gambling with credit cards.
“As the statutory adviser to the Secretary of State we look forward to contributing our advice to help with the government’s Review and we will continue our close working relationship with DCMS as the Review proceeds. We’ve made it clear to gambling operators that we will continue to work at pace to take action to protect consumers while the Review of the Gambling Act is underway.”
BGC
The Betting and Gaming Council (BGC), a organisation made up of representatives from the UK’s leading operators, also had plenty to say on the matter. Michael Dugher, Chief Executive of the BGC had this to say:
“As the standards body for the regulated industry, we strongly welcome the launch of the Government’s Review,” Dugher said. “We called for it to be wide-ranging and evidence-led, and it provides an important opportunity to drive further changes on safer gambling introduced by the industry in the past year.
“Problem gambling may be low at around 0.7% and as the DCMS has said there is no evidence that it has increased in the last 20 years, but one problem gambler is one too many. So I hope Ministers will focus in with laser-like precision on problem gamblers and those at risk. The Government must ensure that any changes do not drive people to the unregulated black market online, where there aren’t any safeguards to protect vulnerable people.”
One change that we already know will come into fruition is the change to the legal age of National Lottery participation from 16 to 18. This is the first confirmed regulatory change but there will undoubtably be more to come. Dugher warned that restrictions could have a negative impact on the industry if they are made too severe:
“Our members do not allow betting by under-18s, so we welcome in particular confirmation of the Government’s decision to ban 16 and 17-year-olds from playing the National Lottery. It’s got to be one rule for all.
“The review must also take account of the huge economic contribution made by the betting and gaming industry, which employs over 100,000 people. This includes £8.7 billion a year in Gross Value Added and over £3.2 billion to HM Treasury in tax.
“In addition, horse racing receives over £350 million per year through the horse racing industry levy, media rights and sponsorships, while betting companies spend over £40m a year on the English Football League and its clubs.
“Other sports, including rugby league, snooker and darts also receive millions of pounds in sponsorship from our members, while casinos contribute over £120 million to the tourism economy each year.
“Millions of people enjoy an occasional flutter on sports, on bingo, on the Lottery, in casinos and online. I hope that everyone has their say in the Review – including millions of customers who enjoy betting safely, as well as the hardworking men and women employed in the industry.”
Flutter
Flutter Entertainment is one of the UK’s most influential gambling businesses, owning brands such as Ladbrokes and Coral. Their chairman Ian Proctor spoke about looking forward to working alongside the government:
This is a really significant moment and I welcome the launch of this review. It will allow us to build on recent efforts by the industry to improve customer safety for the millions of people who enjoy our products and in particular help the small number who have experienced problems with their gambling.
“We must consider all options on the table and take forward policies where the evidence shows they will achieve meaningful, beneficial change that genuinely helps those that need it. We look forward to working with the Government on this and feeding in our evidence-based
APPG
Carolyn Harris, Swansea East MP and Chair of the All-Party Political Group on Gambling Related Harm has been leading the charge to see the act updated for sometime now:
“I very much welcome the launch of the Gambling Review, something which I and many others have long been calling for. I hope we are at a turning point in the reform of our wholly outdated gambling legislation. Too many families are impacted by gambling related harm and we must protect those most at risk through legislation and policy change.
“Our current legislation is analogue legislation in a digital age, online gambling is unregulated in many areas and mandatory deposit limits and affordability mechanisms are essential. Gamblers need an Ombudsman to support redress and statutory levy must be put in place to support research, education and treatment. The Regulator must also be overhauled. This is a once in a generation chance to improve much needed gambling regulation in this country and change cannot come soon enough.”
Vice chair of the APPG Rt Hon Sir Iain Duncan Smith MP added:
“The APPG has taken huge amounts of evidence from people whose lives have been blighted and torn apart by the terrible aftermath of gambling addiction. The deregulated gambling industry has, throughout the last few years, paid only lip-service to the nature of the damage that has been done to people up and down the country.
“Despite all of the evidence, the industry has pursued people who have a serious gambling problem, incentivising them to gambling more through their terrible VIP rooms.
“It is quite clear that we can no longer allow the industry to regulate itself and it is time, therefore, for balance to be restored, particularly now the advent of new technology has meant that gambling has never been easier to access or promote than it is now. This review needs to be clear headed and to ensure that the nature of the regulation and the regulator is robust and clear.”
Gambling Luxembourg Legalization
GamCare
Organisations like GamCare will see the review as an opportunity for to make more of a difference.
Gambling Luxembourg Legal Services
Anna Hemmings, CEO at GamCare, commented: “As the largest provider of gambling support and treatment services across Great Britain, GamCare speaks to upwards of 40,000 people via the National Gambling Helpline and in our treatment services each year, and we are uniquely positioned to represent the voice and experience of our service users as part of the Gambling Act Review.
“We welcome the Review, and the opportunity to have a wide-ranging debate about how to best improve services and support for people at risk from gambling harms. In particular we know how important it is to ensure wider access to early, confidential advice. Our priority will be to ensure that more people can access support earlier.
“We look forward to providing a full and considered response as part of the consultation process.”