Gambling licenses

The online gaming sector continues to expand rapidly, offering resilient growth even as other segments of the global economy cool. Recent market research estimates that the global online gambling market was worth around USD 78.66 billion in 2024 and is on track to reach USD 153.57 billion by 2030, reflecting an annual growth rate near 11.9 %. Another 2025–2035 forecast pegs the online gambling market at USD 105.5 billion in 2025, rising to USD 286.4 billion by 2035, with a compound annual growth rate (CAGR) of about 10.5 %. These figures underscore how widespread smartphone adoption, faster internet connectivity and evolving regulations are propelling iGaming into one of digital entertainment’s most lucrative segments.

While global financial markets have been turbulent, iGaming revenues continue to climb. Analysts from Mordor Intelligence note that the online gambling market is projected to rise from USD 91.63 billion in 2025 to USD 153.60 billion by 2030, expanding at roughly 10.9 % CAGR. A separate report by The Business Research Company adds that the sector grew from USD 118.35 billion in 2024 to an expected USD 130.2 billion in 2025. Growth drivers include state-level legalization in key markets like the United States, surging mobile usage in Europe and Asia-Pacific, and innovations such as real-time betting and immersive virtual-reality gaming. These statistics highlight why entering the gambling business now can be so attractive: the addressable market is expanding, and new technologies are creating fresh revenue streams.

If you plan to operate legally, however, you must secure an online gaming licence and follow the rules set by regulators. Licensing requirements typically cover corporate registration, due-diligence on shareholders, anti-money-laundering and responsible-gambling measures, plus technical audits for gaming software. Conditions vary widely by jurisdiction. European hubs such as Malta and the Isle of Man offer prestigious licences but require extensive compliance; Curacao and Kahnawake provide more streamlined processes and lower costs; Panama, South Africa, Estonia and other jurisdictions have unique rules and fee structures. In contrast, Costa Rica is effectively licence-free for operators targeting offshore customers, though investors still must incorporate locally.

The global online gambling industry is becoming a major force in digital entertainment. Revenues are forecast to more than double over the next decade, and operators that obtain the right licences can tap into this growth. SB-SB.com specialises in guiding clients through the licensing process-helping you select an optimal jurisdiction, navigate compliance obligations and launch your platform quickly and legally.

What is an online gambling license?

A gambling license authorizes a company to advertise and offer services in recognized markets. It is a visible mark of credibility (most sites display the license number and issuer). For players, it signals audited game fairness and enforceable payouts under regulatory oversight. For regulators, it enables supervision, tax collection, and rule enforcement.

Gambling licenses are jurisdiction-specific. Each country or state has its own regime, and a license usually permits operations only in covered or “accepted” markets. A UKGC license, for example, covers Great Britain; Italy or France require local licenses. European licenses such as Malta (MGA), Sweden, or Gibraltar are recognized as highly reputable within the EU. Offshore licenses like Curaçao, Comoros (Anjouan), or Panama can reach multiple countries but still carry restrictions and compliance obligations. In short, a license is the core legal approval needed to run an online gambling business lawfully.

Who needs a gambling license

Anyone offering real-money gambling to the public needs a license in at least one jurisdiction – online or land-based. Operating without a license is unlawful in regulated markets.

• Online casino operators – Sites offering slots, roulette, blackjack, poker, bingo, and similar games must hold an iGaming/casino operator license.
• Sports betting & bookmaking – Taking bets on sports, e-sports, or other events requires a betting license. 
• Land-based casinos and venues – Physical casinos, racetracks, bingo halls, and slot parlors typically need a premises license and an operator license.
• Gaming software providers (B2B) – Studios and platforms supplying critical gambling software may need a supplier/B2B license (e.g., UK gambling software; Malta Critical Gaming Supply). This demonstrates compliance with regulatory standards.
• Payment processors for gambling – Gateways and acquirers serving operators may require registration or approval and must meet AML obligations.
• Service providers & affiliates – In some jurisdictions, key personnel, platform vendors, or marketing affiliates must be registered or approved.

Bottom line: if you take player funds for a chance to win more, you need a license. Limited statutory exemptions (e.g., charity or social gaming) may apply.

Advantages of having a Gaming License

Legal Compliance

Being licensed ensures legal compliance, which might sound like just following the rules, but strategically it’s a huge advantage. It means your business can operate openly and scale without the constant threat of legal action. You can invest in marketing and expansion without fear that your operation will be shut down for illegality. Compliance isn’t just an obligation; it’s a competitive advantage when others might be operating in grey or black markets. By emphasizing compliance, you build a culture of doing things correctly, which regulators appreciate and which ultimately fosters trust and credibility in the marketplace. Moreover, a licensed business can enter partnerships with mainstream companies (banks, media, sports leagues) that would never touch an unlicensed entity. In short, regulatory compliance gives you a stable foundation to compete – you’re playing on the same field as other legitimate businesses, rather than on shaky ground.

• Compliance with laws and tax obligations prevents fines, avoids criminal penalties, and strengthens reputation.
• Builds customer trust by offering reliable and secure games under clear rules.
• Enables transparent relationships with software providers, payment institutions, and banks that work only with legal businesses.
• Allows the use of mainstream marketing channels without regulatory issues.

From a strategic viewpoint, compliance also means you have access to dispute resolution systems and industry forums. If something goes wrong (for example, a payment provider issue or a player dispute), as a licensed operator you have recourse through the regulator or courts. An unlicensed operator has no such support. Thus, obtaining a license is like getting insurance for your business’s legality. It can save you from catastrophic risks (like complete shutdown or asset seizures). In the long run, companies that prioritize compliance can turn it into a marketing point (“fully licensed and regulated by X”), which can attract more customers who might have been wary.

Player Protection and Fair Play

Licensed operators are required to implement robust player protection measures and fair play policies. By obtaining a license, you commit to providing a fair gaming experience – games must pay out as advertised, and you cannot exploit players. This fairness leads to better customer satisfaction and loyalty. Players who feel safe and fairly treated are more likely to stick with your platform and recommend it to others. Being under regulation also means you must display terms and conditions clearly, provide self-exclusion tools, and ensure minors can’t play. All of these contribute to a healthier, more positive brand image.

From an industry perspective, strong player protection safeguards the reputation of the gambling sector as a whole. Scandals like non-payment or harm to vulnerable users can destroy a company. Licensing requirements such as fair game audits, random number generator certifications, return-to-player (RTP) disclosures, and responsive customer support help ensure a fair operation and reduce the risk of damaging incidents. Many players actively seek out regulated sites because they know regulated = fair and safe. In summary, by adhering to player protection rules, you invest in the long-term trust and sustainability of your user base.

Credibility and Trust

A legitimate license conveys credibility and builds trust in a way that few other signals can. Trust is the most valuable currency in iGaming. When you’re licensed, official seals and disclosures immediately tell players that an external authority oversees you. This credibility extends to B2B relationships too – partners are more willing to collaborate because you’ve passed regulatory scrutiny.

Consider two similar casino platforms: one licensed in a reputable jurisdiction, the other unlicensed or licensed in a dubious one. The licensed company wins reputable payment partners, can appear in app stores, and attracts customers who value safety. Over time, credibility widens the gap – “Fully licensed and regulated since [Year]” becomes a selling point. Media and review sites also tend to be more favorable. Essentially, obtaining a license is building brand trust from day one. It shows you’re serious, transparent, and willing to undergo scrutiny. This also matters for investors: licensed operations are de-risked and more valuable.

Banking and Payment Processing

Deposits and withdrawals are mission-critical in online gambling. Licensing typically unlocks access to better banking and payment processing options – a major strategic edge. Many payment processors either refuse unlicensed operators or charge high risk premiums. As a licensed operator, you can usually secure standard fees and reliable service, improving margins and customer experience. Players strongly prefer trusted payment methods and fast, secure payouts.

Licensing also facilitates opening bank accounts in well-regulated financial centers. Unlicensed flows are frequently flagged, and accounts risk being closed. With a license, the financial plumbing is stable: you can scale marketing without worrying that higher transaction volumes will trigger payment-provider shutdowns. It also means paying out big winners without friction, boosting your reputation.

Another advantage is the global reach of payment processing: licensed operators can often use a single gateway across multiple markets because the provider trusts their license status. In contrast, unlicensed sites may be limited to crypto or obscure methods that constrain growth. Proper licensing streamlines financial operations – it’s a strategic necessity.

Global Reach and Expansion

A well-recognized license can serve as a passport to global expansion. Some regulators allow licensed operators from other jurisdictions to serve their residents, provided there is no explicit prohibition. For years, licenses from hubs like Curaçao or Anjouan allowed operators to access dozens of countries (excluding those with strict bans or local license mandates). With one license, you can reach a global audience within legal limits and grow faster than by skirting illegality.

Success under one regulator also strengthens future applications elsewhere. A proven track record can accelerate approvals in additional markets. Strategically, you can enter new jurisdictions more credibly by pointing to compliant operations already in place.

Licensing also enables expansion through official channels. You can list apps in major stores where permitted, and run ads on platforms that require licensed status. Your marketing expansion is directly tied to licensing – you can advertise in markets where you hold a license or recognized equivalent.

Gaming License Requirements

Regulators approve only suitable, well-controlled operators. Expect to evidence the following:

• Fit-and-proper checks. Screening of owners, directors, and key persons (criminal, civil, business history).
• Financial soundness & source of funds. Audited statements, bank references, verified funding, paid-up capital, and liquidity to cover player balances and operations.
• Business & operations plan. Products, target markets, tech stack, staffing, governance, and compliant marketing approach.
• AML/KYC & Responsible Gambling. Risk assessment, CDD/EDD, PEP/sanctions screening, transaction monitoring; self-exclusion, limits, affordability/underage prevention tools.
• Transparency & disclosure. Full corporate structure, UBOs, key suppliers/affiliates, and material contracts.
• Technical compliance. Certified software (e.g., RNG), documented game rules/RTP, security controls, hosting/location rules, change-control and incident response.
• Operational controls & reporting. Record-keeping, suspicious activity reporting, and periodic regulatory returns/audits.
• Protection of minors & vulnerable persons. Age verification, safer-gambling tooling, links to support programs.
• Integrity & crime prevention. Policies to prevent fraud/misuse; regulator interviews, inspections, or test audits as required.

Typical documents: IDs and police certificates for principals, corporate docs, financials, proof of address, directors’ CVs, game specs and RTP sheets, platform/hosting details, T&Cs, AML/KYC and RG policies. Requirements vary by jurisdiction-use the target regulator’s checklist to align your submission.

How to Get a Gaming License

Begin by choosing a jurisdiction (and incorporating if required), define products and markets, and draft regulator-ready policies: AML/KYC/CFT, responsible gambling, data protection. Assemble corporate/personal KYC, source-of-funds, financials, technical specs/tests, vendor and payment agreements, hosting details, website policies. Pay fees and submit.

Expect due diligence: fit-and-proper checks, funds verification, and technical audits, with follow-ups or interviews. If approved, receive the license, pay first-year fees, publish license details, and launch with controls and reporting. Maintain logs, SARs, audits, renewals, change notifications. If refused, remedy deficiencies and reapply.

Here’s the typical process:

Choosing a Jurisdiction

Step 1: Research & decision – Decide where to apply based on target markets, regulatory strictness, costs and taxes, application requirements, and processing time. Stricter markets (e.g., major EU or U.S. states) take longer and cost more but carry strong reputations. Streamlined hubs (e.g., Tobique, Isle of Man, Anjouan) can be faster and more business-friendly. Match the license scope to the regions you plan to serve.

Registering your business

Step 2: Incorporation – Most regulators require a local company. Set up the entity, appoint required local officers/agents, secure a registered address, and meet any hosting or equipment rules. Complete related setup (e.g., trademarks/brand, technical environment) before filing.

Preparing information

Step 3: Documentation & plans – Prepare a full pack: business plan (products, markets, projections), details on key persons (CVs, IDs, addresses), proof and source of funds, platform and operations description. Notarize and translate documents if required so the application can be completed without gaps.

Develop Anti-Money Laundering & Risk Policies

Step 4: Compliance frameworks – Draft AML/CFT and KYC procedures, plus a Responsible Gambling policy (age checks, limits, self-exclusion). Add information security and privacy policies, and define internal monitoring/audit routines. These form your compliance manual.

Prepare all necessary documentation

Step 5: Collation & submission – Assemble and submit the dossier and pay application fees. Typical items include:

• Identification of owners and key personnel (notarized passports/IDs).
• Proof of address for principals.
• Police/background certificates for principals.
• Financials: bank statements, proof/source of funds, forecasts.
• Corporate documents: incorporation papers, shareholder/director registers.
• Business plan and financial projections.
• Game/software details and any testing certificates (e.g., RNG, fairness).
• Key agreements with critical suppliers (platform, games, payments).
• Internal policies (AML/KYC, responsible gambling, IT/security, privacy).
• Completed application forms in the regulator’s required format.

Check the regulator’s checklist carefully; missing or uncertified documents are the most common cause of delay. Fees and required deposits vary widely by jurisdiction.

Application for a gaming license

Step 6: Regulator review – The authority conducts due diligence: background checks, financial verification, and assessment of your business plan and controls. Expect follow-up questions and requests for clarification. Some regimes require interviews or hearings with key individuals-be ready to explain your model and controls.

Timelines range from a few weeks to several months depending on the jurisdiction and the completeness of your file.

Obtaining a license

Step 7: Approval & issuance – Upon approval, you receive a license certificate/number and are listed on the public register. You’ll pay the initial license fee and may need to meet final conditions (e.g., go-live checks). Post-issuance, maintain ongoing compliance: display license details, file reports, undergo audits, and pay renewal fees/taxes. Licenses are typically granted for fixed terms and are renewable if you remain compliant.

If an application is refused, review the reasons, remedy deficiencies, and consider reapplying or appealing where allowed.

Bottom line: treat licensing as a structured project-thorough preparation, strong compliance documentation, and timely responses to the regulator are what move applications to approval.

Types of Online Gaming Licenses

B2C Licenses

B2C (Business-to-Consumer) licenses are licenses for operators that provide gambling services directly to the players (consumers). A B2C license holder is the entity that players see and interact with – it’s the casino site or sportsbook that takes their bets, pays out winnings, and is responsible for customer accounts. In practical terms, if you run an online gambling site under a B2C license, you are the house offering the games or bets.

With a B2C license, you are allowed to organize and conduct real-money games as specified by that license. For example, a B2C remote casino license lets you offer slots, roulette, blackjack, etc. to players, whereas a B2C sports betting license lets you take sports wagers. Some jurisdictions issue a single license covering all gambling activities to B2C operators, while others require separate licenses per activity – but collectively, these are B2C licenses.

Responsibilities: A B2C licensee bears the primary responsibilities toward regulators and players. You must implement KYC checks, manage player funds, ensure game fairness (even if the games come from third-party suppliers), handle disputes, and follow advertising and anti-problem-gambling rules. Essentially, you are accountable for the entire gambling service provided to consumers. Regulators will hold the B2C licensee liable for any violations or failures (e.g., if underage gambling isn’t prevented or if there’s fraud, the B2C operator faces the penalties).

Examples: In the UK, an online casino operator would get an Operating License (Remote Casino) from the Gambling Commission – that’s a B2C license. In Malta, the same company would get a Gaming Service License (B2C) from the MGA. In New Jersey (USA), an online casino needs an Internet Gaming Permit under a casino license via the NJ Division of Gaming Enforcement – functionally this is a B2C license to serve NJ players. In Curaçao, historically a “Curaçao eGaming License” was a B2C license that let the operator run all types of games.

Thus, if your business plan is to run a gambling website/app where players gamble directly with you, the license you need is a B2C operator license. This is the license that all the big-brand casinos and sportsbooks prominently hold. Without it, offering gambling to the public is illegal.

B2B Licenses

B2B (Business-to-Business) licenses are for companies that supply gambling-related products or services to B2C operators. These licenses are also often called supplier licenses, software provider licenses, or vendor licenses. A B2B license does not allow you to accept bets from the public; instead, it certifies you to make deals with B2C operators (the ones who have players).

B2B licensees typically include: game developers (studios creating slot games, live dealer services, etc.), software platform providers (companies that offer a complete casino or sportsbook platform which operators can use), and other service providers like odds compilers or lottery systems. For instance, if you built a new innovative slot game and want casinos to offer it, some jurisdictions require that your company holds a B2B license in order for licensed casinos to integrate your game. This ensures that the games meet regulatory standards and the supplier is also vetted for integrity.

Scope and Benefit: By obtaining a B2B gambling license, your company becomes an approved vendor in the eyes of regulators. Licensed B2C operators will be allowed to use your products without jeopardizing their own compliance, since you are a licensed supplier. In some regulated markets, B2C operators are only allowed to use games or software from licensed (or certified) B2B providers. So having that B2B license opens the door for you to sell to the big operators. It’s both a trust mark and often a legal requirement. For example, the Malta MGA’s Critical Gaming Supply license allows a provider to supply any MGA-licensed casino with games; similarly, the UK Gambling Commission requires gambling software providers to hold a Gambling Software License (if they target the UK market) or else UK operators cannot use their software.

Examples: The Malta Critical Gaming Supply License (B2B) and the UK Gambling Software License are prime examples of B2B licenses. Another example is Alderney, which offers Category 2 eGambling licenses for B2B services. As Curaçao reforms its system, it’s introducing B2B supplier licenses so that game providers can be licensed separately from operators. In the US, some states require that platform providers or major vendors register or get licensed as suppliers (often called a “vendor license” or “technology provider license”).

If your business is creating the technology or content for gambling rather than running the gambling service, a B2B license is what you’d pursue. Some companies hold both types: for instance, a company that runs its own casino (B2C) but also licenses its platform to others might hold both a B2C operator license and a B2B supplier license.

Relationship between B2C and B2B: These two license types work hand-in-hand in regulated markets. A regulated ecosystem might require that every aspect of the chain is licensed: the operator (B2C) is licensed, the game software (from a B2B) is licensed, even testing labs are accredited, etc., to create a fully controlled environment. When starting out, decide which side of the business you are on (consumer-facing or supplier-facing) and get the appropriate license. If on the consumer side, your focus is on the B2C operational license; if you’re building software/tools for the industry, look at B2B licensing.

SBSB services

Since 2013 we have supported dozens of gaming launches and license approvals. Our team covers end-to-end legal, compliance, and operational setup.

• Jurisdiction analysis and license strategy
• Company incorporation and corporate governance setup
• Banking and PSP onboarding
• Licensing applications and regulator liaison
• Compliance program design: AML, KYC, Responsible Gambling, GDPR
• Policy drafting and documentation packs
• Vendor due diligence and contracting (KYC, AML, payments, hosting, game labs)
• Technical compliance guidance (RNG, game certifications, testing readiness)
• Risk management, fraud prevention, and transaction monitoring design
• Training, audits, reporting, and ongoing post-license support
• White label advisory and migration to own license
• Payment optimization & crypto integration – payment gateway setup, crypto payments onboarding, and compliance alignment
• Data privacy & cybersecurity audits – GDPR/CCPA compliance, information security assessments, penetration testing, and remediation planning
• Mergers & acquisitions advisory – legal and regulatory support for business purchase, sale, or restructuring in the gaming sector

Online gambling licensing

We analyze your project, select the optimal jurisdiction, incorporate a company, open corporate accounts, connect acquiring, and provide legal and accounting support during ongoing operations.

White label consulting

Fast go-live via leased license. We manage legal and operational matters, including remote onboarding, risk and AML monitoring, system updates, and regulatory reporting.

GDPR

Audit of personal data processing, risk identification, and implementation of Privacy Policy, Cookies Policy, and internal procedures. Optional staff training.

AML for gambling

We build, audit, and enhance AML frameworks aligned with regulatory expectations and PSP standards.

• Enterprise-wide AML risk assessment and periodic updates
• AML policy and procedures tailored to products, geographies, and channels
• Customer due diligence models: SDD, CDD, EDD with clear trigger events
• PEP and sanctions screening, adverse media checks, ongoing monitoring
• Source of funds/wealth rules and documentation standards
• Transaction monitoring scenarios, thresholds, and case management workflows
• Alert triage, escalation, investigation notes, and quality assurance
• SAR/STR drafting support and record-keeping controls
• Independent AML testing, remediation plans, and board reporting
• Crypto-specific controls where relevant (on/off-ramps, chain analytics, Travel Rule solutions)
• Vendor selection and integration for AML tooling

KYC for gambling

We design KYC frameworks that reduce fraud and meet regulatory and banking requirements.

• Risk-based onboarding flows by jurisdiction and customer segment
• Identity proofing: document verification, liveness, biometric checks
• Age verification and underage access prevention
• Address verification and geolocation controls
• Risk scoring, tiered limits, and EDD for higher-risk profiles
• Continuous PEP/sanctions screening and periodic KYC refresh
• Fraud prevention: device fingerprinting, velocity rules, chargeback response
• Data protection alignment and secure retention schedules

Gambling consulting

Comprehensive support for launch and operations: legal audits, product configuration, corporate and banking guidance, taxation, data protection, internal policy development, and standard contracts.

Drafting policies for gambling projects

• Terms and Conditions
• Privacy Policy and Cookies Policy
• Responsible Gambling Policy
• AML/KYC Policies
• Underage Gaming Policy

Popular Gaming Jurisdictions

Curacao

Setup price: ~ €80,000–€100,000 Processing time: Two-phase review ~8 weeks per phase (each phase extendable by 4 weeks) License term: Definitive licence is ongoing (no fixed end date); provisional up to 6 months (extendable once)

• Regulator: Curaçao Gaming Authority (CGA)
• License model: Single authorisation under LOK covering multiple verticals
• Official fees (B2C):
  • Application processing fee (one-time): €4,592
  • Due-diligence processing:
    • UBO: €150 per person
    • Qualified Interest Holder (≥10%): €150 per person
    • Listed UBO (publicly traded): €2,551 per such UBO
  • Annual fees:
    • CGA Supervisory Fee: €22,960 per year
    • National Treasury Licence Fee: €24,490 per year
    • Annual subtotal: €47,450 (excl. per-person due-diligence)
  • Other administrative fees: adding a domain €250 (one-time per domain)
• Official fees (B2B supplier): Application €4,592; UBO/Qualified Interest Holder checks as above; annual Supervisory Fee €24,490; no Treasury licence fee
• Taxes snapshot: No VAT; profit tax 15% on the first NAf 500,000 of profit and 22% thereafter (territorial system; special regimes may apply)
• Local presence: Curaçao entity managed by at least one resident managing director; substance requirements apply
• Crypto: Permitted subject to AML/CTF and CGA policies
• Scope: B2C iGaming verticals per your note

Pros

• Streamlined, portal-based process
• Single authorisation covers multiple products

Cons

• Timelines depend on dossier completeness and portal scheduling
• Banking/PSP acceptance can vary

Notes

Your setup price includes company registration, licence application, local director, basic policies, two domains, and one corporate account. Excludes authorised capital, state fees, taxes, accounting, office, staff, additional accounts, and bespoke legal agreements. Initial annual fees are pro-rated in the year of issue; from the next year they are payable in full by January 15.

Malta

Setup price: Case-by-case; official MGA fees apply (application €5,000 + annual licence fee €25,000 + compliance contribution based on revenue) Processing time: At least 6 months License term: 10 years (with annual renewal)

• Regulator: Malta Gaming Authority (MGA)
• License model: B2C “Gaming Service” (Types 1-4) and B2B “Critical Gaming Supply”
• B2B licence classes: Class 1 – suppliers of material elements of games; Class 2 – software vendors
• Official fees: One-time application fee + annual licence/Compliance Contribution (amounts depend on licence type and revenue)
• Taxes snapshot: Gaming tax 5% (on applicable gaming revenue); corporate income tax statutory rate 35% (effective rates may be reduced via shareholder refunds)
• Local presence: Local company and key functions
• Crypto: Possible subject to MGA/VFA and AML requirements
• Scope: EU-recognised framework

Pros

• Prestigious EU hub with global recognition
• Strong compliance and bank/PSP credibility

Cons

• Longer timelines; heavier compliance workload
• Meaningful official fees and ongoing obligations

Notes

Your price includes company setup, policies, MGA application, and two bank accounts. Excludes state application tax, annual state licence fee, gambling tax, and MGA compliance fee.

Great Britain

Setup price: Calculated via UKGC fee calculator (application + first annual + annual fees vary by products and expected GGY) Processing time: Case-by-case; depends on completeness/complexity (plan for 12 months) License term: Ongoing (no fixed end date) subject to annual fees and compliance

• Regulator: UK Gambling Commission (UKGC)
• License model: Multiple licence types covering casinos, lotteries, betting, bingo, gaming machines, gambling software, remote & non-remote
• Official fees: As per UKGC fees tables/calculator (by activity and GGY band)
• Taxes snapshot: Remote Gaming Duty 21% of GGY; other product-specific duties (e.g., General Betting Duty) may apply
• Local presence: No GB entity required; if any remote gambling equipment is sited in GB you must hold a UKGC remote operating licence; relevant PMLs for key roles
• Operational setup (market practice):
  • The company must have a local office.
  • You will need at least 2 corporate bank accounts after the licence is granted: an operational bank account and a dedicated player funds account where player funds are kept separate from company funds. At the time of licence issuance, the company must have at least 1 corporate bank account open.
  • Minimum staffing – 3:
    • Chief Executive Officer (CEO)
    • Local MLRO / Key Compliance Officer (responsible for AML, network & information security, and risk management strategy) with the required skills, knowledge, and experience
    • Local Data Protection Officer (legal specialist with financial strategy expertise)
• General taxation (indicative):
  • Dividend Tax (UK shareholders): 0% on the first £500 (annual dividend allowance), then 8.75% (basic-rate band), 33.75% (higher-rate band), 39.35% (additional-rate band). Current bands ~ up to £37,700 (basic), £37,701–£150,000 (higher), and over £150,000 (additional).
  • Gambling Duties: Remote Gaming Duty (RGD) 21% of remote gaming profits. 
  • VAT: Standard rate 20% (reduced and zero-rates apply to specified goods/services).
• Crypto: Allowed only with enhanced AML/KYC controls
• Scope: Broad B2C and B2B coverage

Pros

• Highly reputable and mature market
• Clear segmentation by product

Cons

• Strict supervision and robust LCCP expectations
• Complex fee and reporting structure

Estonia

Setup price: Available on request (state fees separate) Processing time: 4–6 months License term: Activity licence – indefinite; operating permit (remote) – up to 5 years (toto – up to 20 years)

• Regulator: Estonian Tax and Customs Board (EMTA)
• License model: Two-step: activity licence → operating permit
• Official fees: Activity licence state fee – €47,940 (game of chance), €31,960 (toto), €3,200 (game of skill). Operating permit state fee – €3,200 per application. Total upfront to the regulator after pre-application, before filing: €51,140 (game of chance), €35,160 (toto), €6,400 (game of skill).
• Taxes snapshot: Lotteries – 18% of ticket sales; toto (totaliser) – 5% of bets less winnings; online games of chance or skill – 5% of bets less winnings.
• Local presence: Local compliance footprint per EMTA requirements
• Crypto: Possible subject to AML/licence conditions

Scope: EU jurisdiction; licence validity is national

Pros

• Defined, transparent two-step framework
• EU market access

Cons

• State fees and compliance requirements
• Processing not immediate

Isle of Man

Setup price:Depends on structure; ~£35,000- 55 000 (only license fee)  Processing time: Generally efficient (weeks to a few months) License term: 5 years

• Regulator: Isle of Man Gambling Supervision Commission (GSC)
• License model: OGRA regime-one licence covers all game types and network available
• Official fees: Application free £5,250; full licence ~£35,000- 55 000
• Taxes snapshot: Gambling duty 0.1%-1.5% of GGR; 0% corporate and 0% capital gains tax
• Local presence: Two local directors
• Crypto: Common; subject to AML/registration
• Scope: Operate where gambling is legal or not prohibited

Pros

• Government support and modern infrastructure
• Attractive tax regime

Cons

• Substance/governance expectations
• Official/operational costs to budget

Costa Rica

Setup price: €9,000-€16,000 Processing time: Company + municipal permit typically 1-2 weeks License term: No dedicated iGaming licence (operate via company registration)

• Regulator: No dedicated iGaming regulator ( general law)
• License model: Registration
• Official fees: No specific iGaming licence fees;
• Taxes snapshot: No gambling-specific tax
  • If working outside Costa Rica, 0%
• Local presence: Local company set-up
• Crypto: Common (subject to AML)
• Scope: Budget-friendly setup for offshore-targeted services

Pros

• Fast and economical entry
• No dedicated licence required for non-resident targeting

Cons

• Lower regulatory prestige than EU hubs
• More banking/PSP scrutiny

Notes

Price excludes capital, state taxes, accounting, office, staff, extra accounts, and bespoke agreements. Avoid calling it a “gambling operator licence” in copy.

Comoros (Anjouan)

Setup price: From €14,128  Processing time: 2-3 months License term: 1 year, renewable annually

• Regulator: Anjouan Offshore Finance Authority (licensing under local law)
• License model: Single licence covers a wide range of activities (casino, betting, poker, bingo, etc.)
• Official fees: Initial regulatory fees from €14,128; Annual Compliance Officer/Key Person authorisation €2,000; renewal bundle from €14,128
• Taxes snapshot: Zero tax on gaming revenue
• Local presence: No strict local presence rules 
• Crypto: Widely used by licensees (AML/CTF controls apply)
• Scope: Suitable for startups and established operators

Pros

• Cost-effective and fast issuance
• Simplified process and AML/CFT alignment

Cons

• Lower brand recognition than EU hubs

Alderney

Setup price: Depends on structure; official fees published by AGCC Processing time: Quick and transparent (typically 4-12 weeks) License term: Annual renewal (licence remains in force while compliant)

• Regulator: Alderney Gambling Control Commission (AGCC)
• License model: Category 1 (B2C), Category 2 (B2B) and Associate Certificates; CSAC for core services
• Official fees: Intro year £17,500 then from £35,000 p.a. (Cat 1/Cat 2); Associate Certificates £35,000 then £50,000 p.a.; application deposit £10,000
• Taxes snapshot: No gaming duty or VAT; Guernsey corporate tax standard rate 0% (activity-dependent exceptions)
• Local presence: Physical presence not required; resident agent/representative required for company/Associate Certificate
• Crypto: Permitted subject to AML/CTF
• Scope: Trusted by global operators

Pros

• High regulatory trust and stable framework
• Attractive, transparent fee/tax environment

Cons

• Meaningful official fees to budget
• Substance and compliance expectations

Kahnawake

Setup price: From €15 000 (legal) + regulator fees (see below) Processing time: Up to ~6 months end-to-end License term: 6-month trial period, then up to 5 years

• Regulator: Kahnawake Gaming Commission
• License model: B2C CPA (Client Provider Authorization) + B2B supplier options
• Official fees: CPA package USD 40,000 (includes USD 20,000 first annual; part refundable if not granted). Annual CPA renewal USD 20,000; Key Person Permit USD 1,000
• Taxes snapshot: 0% corporate/gaming tax 
• Local presence: No local company required; local hosting with Mohawk Internet Technologies required
• Crypto: Supported (subject to AML)
• Scope: Wide B2C coverage; B2B path available

Pros

• Recognised framework with flexible structures
• No local company requirement for B2C

Cons

• Official fees and audits to budget
• Banking depends on partner policies

Sweden

Setup price: Official application & supervision fees set by Spelinspektionen (depend on licence type/turnover) Processing time: Several months (case-by-case) License term: Up to 5 years

• Regulator: Swedish Gambling Authority (Spelinspektionen)
• License model: B2C commercial online gambling & betting; B2B gambling software supplier licence
• Official fees: Application and supervision fees (published by Spelinspektionen; vary by licence). The following application fees apply to the licences available to commercial (i.e., non state-owned) operators in Sweden:
  • commercial online gambling licence – SEK400,000
  • commercial land-based gambling licence – SEK400,000
  • joint application for commercial online and land-based gambling licence – SEK700,000
  • renewal of above-mentioned licences – SEK300,000
  • amendment to above-mentioned licences – SEK150,000
  • licence for gambling on vessels in international traffic – SEK3,600
• Taxes snapshot: 18% on GGR for licensed gambling
• Local presence: No Swedish entity required, but local compliance arrangements and responsible persons required
• Crypto: Treated cautiously; AML/consumer-protection constraints apply
• Scope: Sports betting, online casinos, and more

Pros

• Strong B2B standing (supplier licensing)
• Clear product segmentation

Cons

• Strict compliance controls
• Meaningful fees and timelines

Notes

Figures updated from official guidance; fill in your package price when ready.

Nevis (Saint Kitts & Nevis)

Setup price: Available on request (state fees below) Processing time: 8-12 weeks from application submission License term: Annual renewals (separate B2B and B2C licences)

• Regulator: Nevis Online Gaming Authority (NOGA) – exclusive licensing authority
• License model: Separate B2C and B2B licences; an applicant can hold both
• Official fees: Application €28,000 (includes 2 URLs, site seal, public listing; non-refundable); renewal €28,000 per year; additional URLs €750 per cycle
• Taxes snapshot: No specific gaming tax stated by NOGA; general corporate taxation applies per Nevis law (structure-dependent), if working outside Nevis, 0% tax
• Local presence: Independent Compliance Officer and local Reporting Officer in Nevis required
• Crypto: Crypto/Web3 casinos covered
• Scope: Global reach (with specified restricted territories/geo-blocking)

Pros

• Clear legal framework & modern process (Online Gaming Ordinance 2025)
• Balanced approval timeline (8-12 weeks)
• Flexible models (separate B2B & B2C)
• Bundled benefits (two URLs, site seal, public listing)
• Crypto-friendly (Web3/crypto casinos included)

Cons

• Newer jurisdiction-brand recognition still developing
• Local appointments (Compliance & Reporting Officers) add complexity

Notes

• NOGA is the sole regulator under the Nevis Online Gaming Ordinance 2025.
• Operators should review restricted territories/geo-blocking and compliance duties before applying.
• Add your service price when available.

Tobique

Setup price: Depends on structure; state fees from ~€43,000 in year 1 if granted (excludes professional/legal costs) Processing time: Up to 3 months License term: 1 year, renewable annually

• Regulator: Tobique Gaming Commission (TGC), under the Tobique Gaming Act 2023 (in force 2025)
• License model: Single comprehensive licence covering all online gaming verticals
• Official fees: Pre-application fee €2,500 (non-refundable); License application fee €33,500 (refundable upon refusal); Annual regulatory/compliance/supervisory fee €7,000 once granted (covers up to 5 domains). Total first-year state fees if granted: ~€43,000.
• Taxes snapshot: No gaming/corporate taxes – fixed annual fees only
• Local presence: Not required (foreign company acceptable)
• Crypto: Crypto-friendly; digital formats included
• Scope: Global, with restricted territories (e.g., US, UK, New Brunswick, FATF-sanctioned)

Pros

• Very fast processing (2-3 months)
• All verticals under one licence
• No gaming/corporate tax – fixed annual fees only
• No local presence required
• Clear framework (Gaming Act 2023)

Cons

• Newer jurisdiction – brand recognition still developing
• Territorial restrictions (e.g., US, UK, New Brunswick)
• Clarify crypto scope with TGC if needed

Ordering gambling application services

SBSB provides licensing services to clients from Germany, the UK, Spain, Italy, Portugal, Poland, and other countries. We work on a turnkey basis, covering paperwork, company registration, banking, and legal support up to license issuance. We assist with a wide range of games of chance and betting products and have experience with Curacao, Malta, Kahnawake, the Isle of Man, and Costa Rica company setups.

If you are interested in obtaining a gambling license in any of the listed jurisdictions, submit an online application and our experts will contact you. You can also reach us via Telegram or the phone numbers listed in the Contacts section.