Scandinavian online casino regulations

Norway Seeks to Have More Control on Offshore Gamblng Webstes

The regulation status of Scandinavian online casinos is very interesting for both players and industry officials, not only analyzing Norwegian and Sweden, but valuable similarities with Malta, known for its strong gaming regulations. Is also drawn.

This comprehensive study deposits a wide range of discussions on Scandinavia, as well as Norwegian and Sweden's gambling regulations, performance, and casino reliability.

Gambling regulations in Norway

Norway has adopted a unique approach to gambling regulations. Unlike many countries that supervise gambling in the combination of government and private organizations, Norway has the entire industry under government management.

Two national monopoly companies, Norsk Tiping and Norsk Rikstoto, manage horse racing and casino games. Online gambling is allowed in Norway, but there are strict restrictions:

Prohibition of offshore gambling sites offshore gambling sites: The Norwegian government has imposed offshore gambling sites and has virtually established a closed online gambling market. In other words, players can only gamble online through organizations managed by the government.
Payment restricted government has restricted the use of credit cards and debit cards in online gambling in order to ensure offshore sites. The measures are to prevent Norwegian players from providing funds to accounts on unauthorized platforms.
Responsible gambling governments are implementing various measures to address gambling issues. Conventional slot machines are banned from gambling addiction, and players are allowed to use interactive video terminals only under NORSK TIPPING's supervision.

If you are interested in online gambling in Norway, it is essential to understand the current law and regulations well.

Gambling regulations in Sweden

Sweden, like Norway, has adopted a unique approach to gambling regulations. The Swedish government monopolizes gambling in all forms, including online gambling, through SVENSKA SPEL. This monopoly also extends to casino games, lottery, bingo and sports betting. In addition, the government strictly manages and regulates domestic gambling ads.

Despite this monopoly, offshore gambling websites are becoming more popular in Sweden. However, the government has imposed a restriction on using credit cards and debit cards in offshore gambling, and it is not impossible for players to fund their accounts, but it is becoming more difficult.

In 2019, Sweden introduced more severe regulations:

The reinforcement of advertising regulations has strengthened gambling advertising regulations to suppress excessive promotion.
Bonus and promotion prohibition: All bonuses and promotion provided by gambling operators have been banned to suppress excessive gambling.
Unlicored business crackdowns: The Swedish government has taken measures to crack down on unmoted licensing in the market.

In addition, the government is preparing a new gambling bill to apply for a license for foreign businesses and to enter the Swedish market.

Innovating gaming regulation: Malta's leadership and insights from Norway and Sweden

In the field of online gaming, Malta has emerged as a true pioneer and sets the standards in the systematic regulation framework. Malta Gaming Authority (MGA) has established policies to promote fairness, transparency, and player protection and contribute to the promotion of this field. These regulations have improved the reputation of Malta as a safe and reliable judicial jurisdiction, which helps many Igaming companies to Malta.

By observing the parallel trajectory between Norwegian and Sweden, you can make a more subtle view of how regulatory models are adapting to the local reality while maintaining international competitiveness.
The Nordic countries are taking decisive measures to regulate online games, focusing on responsible games and national licenses, resonating with Malta's regulatory spirit.
The relevance of Norwegian and Sweden models and Malta lies in the approach to the issues of online gaming landscape. By analyzing and integrating the advantages of these Scandinavian regulatory frameworks, especially responsible games, Malta can enhance the pioneering role.

By doing so, the status of online game regulations as a global country is even stronger, and on the stage of digital games that evolves every day, indicate adaptability and continuous initiatives to protect businesses and players. Can do.

Highlighting Rizk: An illustrative example

In a discussion on scandinavian gambling regulations, it is appropriate to focus on Rizk Casino. Since 2016, Rizk, based in Malta, has provided an attractive online gambling experience as a famous Norwegian game scene. With a quick evaluation, Rizk was celebrated as the best new casino by Casinomeister and received multiple nominations in the first year Nordic Awards.

Rizk has been highly valued as a pioneer in gamification in online casinos, and has changed his gambling experience into a computer game. Players are greeted by Casino's mascot character Captain RISO, and notices that they are immersed in a gam e-ized environment that can be rewarded to all actions, enhancing overall entertainment value.

Rizk analysis reviewed by KONGEBONUS comprehensively understands how casinos are skillfully controlling the complex regulation status of countries like Norwegian. Such verifications are illuminated to Rizk's compliance with legal standards and dedication to improving player experience, matching the tone and seamless of the article.

Final note

In particular, online casinos' regulation status in Scandinavia, which focuses on Norway and Sweden, emphasizes differences in approaches taken by countries in gambling regulations. Norway has maintained a stat e-owned monopoly, and Sweden has been operated by government monopoly and has recently imposed stricter regulations.

In addition, the complex scenery of Scandinavian, especially those who are trying to navigate the Norwegian online casino, need to search for reliable review platforms like KONGEBONUS. This resource helps to make the most appropriate platform in Norway to make a good choice based on information.

As the law has evolved, it is essential for players to always grasp the latest trends in the online gambling industry. Incorporating insights from Malta's regulatory frameworks will bring up further stability and innovation in digital gaming regulations.

Gambling Laws and Regulations Norway 2024

The ICLG-Gambling Law-Norway chapter features general issues in gambling laws (related authorities and regulations, license applications, license restrictions, digital media, execution, responsibilities, etc.).

Chapter Content Free Access

1. Related authorities and laws
2. License application and license restriction
3. Online / mobile / digital / electronic media
4. Execution and responsibility
5. Expected reform

1. Relevant Authorities and Legislation

1. 1 Which kind of gambling and social/ skill gaming activities do you regulate in your jurisdiction area?

2. Application for a Licence and Licence Restrictions

2. 1 What kind of regulation licenses, permissions, licenses, or other public approval (hereinafter collectively referred to "license") are required to provide related products to those located in your areas?

Due to the Norwegian gambling monopoly, licenses to operate commercial gambling are not usually offered, as Norsk Tipping and Norsk Rikstoto are the only gambling providers in Norway. Therefore, referring to sections 4 to 6 of the Norwegian Gaming Schemes Act, commercial gambling activities are prohibited without a license from the Gaming and Foundation Authority.

Private entities have a limited right to apply for licenses to offer private lotteries, poker, bingo and other gambling, while national or foreign entities are not entitled to request a full gaming license from the authority.

Licenses to host lotteries may be granted to local, regional or national entities with a non-profit objective within the territory in which the lottery is held.

Commercial gambling entities may act as intermediaries for organizers with the aforementioned non-profit objectives.

2. 2 If licenses are available, please outline how the relevant licensing regime works.

License conditions and restrictions vary depending on the type of license.

Several gambling activities can be divided into the categories of small and large gambling scheme lotteries.

A large gambling scheme is a gambling activity that:

has an annual turnover of between NOK 200, 000 and NOK 100 million. Upon application, the turnover threshold can be extended to NOK 360 million.
Not more than 15% of lottery turnover may be used for marketing.
As a rule, profits must be allocated to non-commercial purposes.

Large gambling schemes require a license. The Norwegian Gambling Act allows three types of large gambling scheme lotteries: pre-draw lotteries, post-draw lotteries, and a combination of both.

If the annual gambling turnover does not exceed NOK 200, 000, the activity is classified as small-scale gambling. These gambling schemes do not need to be licensed by the Norwegian Gaming and Foundation Authority. As with large-scale gambling schemes, the proceeds of a small-scale gambling scheme must generally serve non-commercial purposes. Furthermore, a small-scale gambling scheme must be of regional or local scope.

A license for a bingo game can be obtained upon application for non-commercial purposes. Normally, bingo game revenue is capped at NOK 700, 000.

Some licenses are only granted by application from the public:

A license for lottery activities in which a private entity is in charge of drawing the prizes and has a non-profit objective. The annual turnover limit for such lotteries is NOK 1 billion and the license holder must receive a minimum of 20% of the turnover. Only five such licenses may be valid at the same time. Currently, no new licenses are expected to be granted until 2025.
A five-year license to organize a Norwegian land-based poker championship. The main prize cannot exceed NOK 2 million and the maximum number of participants is 5, 000. All participants must be over 18 years old and the license holder must receive a minimum of 5% of the turnover. The license holder may recover costs incurred in arranging the tournament up to a maximum of 20% of the turnover.

2. 3 What is the procedure for applying for a license for related products?

To apply for a gambling license, use the application form provided by the Norwegian Gaming and Foundation Authority. See 2. 2.

Licenses are only granted to local, regional or national organisations or foundations registered with the Norwegian Central Register of Legal Entities (NCCRLE).

The application fee is between NOK 1, 250 and NOK 20, 300 plus an annual license fee if the application is approved.

Depending on the type of gambling activity in question, applicants may be asked to submit, among other things:

A risk assessment of the gambling activity, including the risk of developing a gambling problem.
Police certificates of good behaviour for the organisation’s chairman, managers and other participants.
Financial statements, annual report and audit report.
Articles of association.

After the application has been submitted, the Gaming and Foundation Authority will make a non-binding preliminary assessment.

A final decision may take between 6 and 12 months.

2. 4 Are there any restrictions imposed on licensees in your jurisdiction?

See questions 2. 1 and 2. 8.

2. 5 Summarise the following characteristics of a licence: (i) its duration; and (ii) its vulnerability to review, suspension and revocation.

The type of gambling activity in question will determine the duration of the licence and its susceptibility to revocation.

Lottery and bingo service license is valid for one year.

Lan d-based poker tournament licenses are valid for five years.

A pr e-lottery or pos t-pos t-lottery lottery or bingo license is valid for one year.

A license may be canceled if the holder violates the applicable law. In addition, if the gambling device used for gambling does not work satisfactorily, or if the holder violates public order and morals, or a harmful environment for children or youth, the license may be canceled.

2. 6 Please tell us the main restrictions for providing services to customers for each related product. This answer includes important promotion and advertising restrictions.

Norwegian gambling methods generally ban commercial gambling activities, marketing, or promotion (payments, etc.). For more information, see Question 1. 1 and 2. 2.

2. 7 What are the taxes and other compulsory collections?

A prize exceeding 10, 000 Norweglone, which is considered an accidental prize, is taxed at a 27 % tax rate based on Article 5-50 (1) of the Norwegian Tax Law. This includes prizes from foreign gambling organizations. There are some exceptions:

A prize won by gambling activities held for no n-profit, such as NORSK TIPPING and NORSK RIKSTOTO. See Article 5, Paragraph 50 (2) of the Tax Law. This exception can also be applied to gambling activities in other EEA countries, equivalent to gambling that can be used legally in Norway.
If you are gambling as a professional, prize money may be considered to be a sel f-employed income. As a result, it is taxed as a merchant and can be deducted for gambling. This exception is applied only when a wide range of gambling activities are considered suitable for making profits.

2. 8 What are the widespread social responsibilities?

In order to arrange bingo, lottery, or other gambling activities, the operator usually must refer to Chapter 4 of the Norwegian Gaming Schem by and apply for a license to the Gaming and Foundation Authority. It will not be blurred.

See Article 18, Paragraph 2 and Article 5, Paragraph 1 of the Norwegian Gaming Sushem Law. In the evaluation of whether or not the organization should be licensed, the authorities consider the social division of income from the gambling business. In addition, the authorities may provide additional conditions for gambling addiction measures in the license.

As mentioned in the question 2. 5, if the holder violates public order and morals or supports the harmful environment for children and youth, the license may be canceled.

The age limit of gambling is up to the age of 18, referring to Article 8 of the lottery method.

2. 9 AML, financial services regulation, or payment restrictions will be restricted or impacted on organizations that provide gambling?

Norwegian money laundering methods comprehensively gambling activities that require licensing based on the gaming scheme method.

Norwegian gambling operators are obliged to examine and report all kinds of misconduct, create risks, and establish a compliance program. Gambling operators and leaders are subject to aptitude requirements for the purpose of deterring money laundering.

Norwegian financial institutions must carry out customer checks for a single transaction by gambling operators who have not established customer relationships with financial institutions. Such customer checks are required for all electronic trading exceeding 8, 000 Norweglone. Similarly, gambling operators are obliged to check for customer checks for all transactions exceeding 16, 000 Norweglone.

As described above, Article 4 to 6 of the Norwegian Gambling Skirization Law prohibits the promotion of lottery acts without approval (see the above question 2. 1). This ban includes services between gambling operators and their customers that enable payments, prizes, ba y-in, participation fees, bets, etc. This ban is also applied to all thir d-party payment service providers that provide Norwegian services, regardless of whether the payment service provider is based in Norway or overseas. < SPAN> See Article 18, Paragraph 2 and Article 5, Paragraph 1 of the Norwegian gaming scheme law. In the evaluation of whether or not the organization should be licensed, the authorities consider the social division of income from the gambling business. In addition, the authorities may provide additional conditions for gambling addiction measures in the license.

As mentioned in the question 2. 5, if the holder violates public order and morals or supports the harmful environment for children and youth, the license may be canceled.

The age limit of gambling is up to the age of 18, referring to Article 8 of the lottery method.

2. 9 AML, financial services regulation, or payment restrictions will be restricted or impacted on organizations that provide gambling?

Norwegian money laundering methods comprehensively gambling activities that require licensing based on the gaming scheme method.

3. Online/Mobile/Digital/Electronic Media

As described above, Article 4 to 6 of the Norwegian Gambling Skirization Law prohibits the promotion of lottery acts without approval (see the above question 2. 1). This ban includes services between gambling operators and their customers that enable payments, prizes, ba y-in, participation fees, bets, etc. This ban is also applied to all thir d-party payment service providers that provide Norwegian services, regardless of whether the payment service provider is based in Norway or overseas. See Article 18, Paragraph 2 and Article 5, Paragraph 1 of the Norwegian Gaming Sushem Law. In the evaluation of whether or not the organization should be licensed, the authorities consider the social division of income from the gambling business. In addition, the authorities may provide additional conditions for gambling addiction measures in the license.

As mentioned in the question 2. 5, if the holder violates public order and morals or supports the harmful environment for children and youth, the license may be canceled.

The age limit of gambling is up to the age of 18, referring to Article 8 of the lottery method.

2. 9 AML, financial services regulation, or payment restrictions will be restricted or impacted on organizations that provide gambling?

Norwegian money laundering methods comprehensively gambling activities that require licensing based on the gaming scheme method.

Norway carried out payment blockings between gambling operators and customers in 2010, following the February 19, 2010, "Rules on the Prohibition of Payment for Gambling for Gambling" (No. 184) on February 19, 2010. 。 The purpose of this rule is to make the payment process of these unlicensed organizations in order to secure regulated and managed gambling activities.

4. Enforcement and Liability

According to the abov e-mentioned rules, the authorities have granted the authority to actively prohibit the financial institutions in the Norwegian, and with a specific account number or company. We are ordering to refuse electronic payment transactions.

In addition, Norwegian financial institutions are obliged to block all transactions with the Japan Murricant Category Code 7995 used to identify gambling operators.

Foreign gambling operators have long been using thir d-party payment service providers to avoid measures for the prohibited and payment blocks mentioned above.

2. 10 In your jurisdiction area, do you allow virtual currency to use virtual currency for gambling?

Virtual currency is regarded as equivalent to FIAT money, and the use of such currencies will meet the "bet" requirements-see question 1. 2. Norwegian law does not particularly regulate the problem of whether virtual currency can be used for gambling activities.

3. 1 The local law / regulations are provided online / mobile / digital / electronic by both businesses in (i) jurisdictions and (II) businesses outside the jurisdiction of (I). Do you have such an effect?

Norway's law does not distinguish online gambling and land gambling.

Norwegian gambling monopoly has given Norsk Tipping and Norsk Rikstoto a monopoly in Norwegian online gambling, effectively prohibiting the provision of the same service. NORSK TIPPING offers a variety of online gambling, including blackjack, roulette, and other games.

For this reason, online gambling is prohibited if the organizer has not obtained a license based on Chapter 4 of the Norwegian Gambling Skem Law. As mentioned above, this license can usually be obtained only by no n-profit organizations.

Despite the strict gambling method, it is not illegal for Norwegs to gamble on foreign gambling sites, and if a foreign gambling operator is licensed by other EU/EEA member countries, the Norwegian It is not illegal to tolerate the service. However, the authorities are holes in the veil in many cases. See Question 4. 1.

3. 2 What other restrictions will affect related products provided by online / mobile / digital / electronic means?

See Question 2. 9.

3. 3 What device / machin e-based game is allowed?

5. Anticipated Reforms

Norway is prohibited from terminal / machine-based gaming, except for some terminals / machine-based machines installed in Bingo Tiping and Norsk Tiping's unique Multix-Automats.

4. 1 Who is responsible for local laws / regulations?

Production Editor's Note

Gambling operators may be responsible for violating the relevant gambling method. Gambling operators are licensed for mechanical / terminals and software, and organizations that promote gambling through marketing and payment processing, and may be liable if they violate the related gambling methods (). See Norwegian Gaming Scheme Act Section 4, 5, 6 and Chapter 6).

4. 2 How do you take forced measures in your law?
Gaming and Foundation Authority has the authority to issue administrative orders for organizations responsible for providing illegal gambling activities, marketing, payment processing, and facilitating other services.

Sports Betting in Norway: Gambling Laws and Regulation

Such administrative orders usually require the organization to stop illegal operations or correct the situation. Authorities may also impose a forced fine so that the issued orders are executed within the specified deadline.

Is Sport Betting Legal in Norway?

Related gambling laws may be punished by administrative punishment, punishment fines, or a decisive imprisonment of three years or less.

4. 3 Does other laws other than other domestic laws affect legal liability and execution?
4. 4 Is debt by gambling forced in your jurisdiction?
In principle, gambling debt cannot be enforced under the Norwegian law. The abov e-mentioned provisions stipulate two situations where gambling debt is deemed impossible to execute.
First, if the gambling debt is acquired through illegal games or similar activities, the debtor will not be obliged to pay the debt. The inability to execute the debt described above is applied regardless of whether the debtor or the opponent gambler knew the illegality of the game (see the Norwegi Supreme Court ruling in RT. 2003 S. 1210).

Gambling Monopoly in Norway: Norsk Tipping and Norsk Riskoto

Second, the debtor is not obliged to pay the debt, unless the debtor gets a debt due to a loan or if the creditor does not know that the loan is gambling.

4. 5 What kind of executions and track record do your local regulators have? Have you ever executed fines, cancellation, and other sanctions in your jurisdiction?

Gambling Laws in Norway

Gaming and Foundation Authority actively pursues violations, but also likes dialogue measures. The authorities are mainly working on the ongoing issues, and instead of imposing a lawsuit to the Norwegian police or forced to be forced or administrative fines, gambling operators and payment service providers through constructive dialogue and suspension orders. I like to be involved.

As of 5. 1, please tell us if there is any discussion of gambling / regulations.
The Norwegian Culture and Ethrology now, to the Norwegian Gaming and Foundation Authority, to give the ISP the authority to demand the authority to DNS a foreig n-based gamble site website. It is evaluated. Such opinions were collected through the discussion stage ended on May 25, 2023.
This chapter was written by members of the international expert panel of ICLG, and was exclusively appointed by Global Legal Group, the publisher of ICLG, for this mission. be. The ICLG internal editing team carefully examines and edits each updated chapter, and uses plagiarizing tools and AI detection tools to audit the originality, relevance, and style of each chapter. This chapter was copied by the i n-house editor Oliver Chang.

How MGA and Other Gambling Licenses Impact the Gambling Industry?

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At first glance, Norwegian gambling regulations seem to be excessively prohibited. However, if you think more deeply, players living in Norway have a wealth of opportunities to bet on various sports without fear of legal impact. In the following article, Hans Madsen, the edito r-i n-chief of NORGECASINOHUB, and gambling experts, shows special insights while scrutinizing related laws and legal regulations regarding the legitimacy of sports gambling in Norway. I will do it.
Despite complicated legal regulations, Norwegian sports betting is not strictly prohibited. Betting real money in horse racing, soccer, skiing, handball, tennis, etc. is completely legal. Norwegian sports betting and gambling scenes have nuances. The important things to remember with the advice of norgecasinohub. com are as follows:
Only those over the age of 18 can bet on real money and bet on sports.
Norwegian people prefer online gambling sites and sportsbooks with licensing the Malta Republic, whose prize money is exempt.

Norwegian law does not define the legal age for playing scratch cards. Since 2021, overseas companies have not obtained legal permission to advertise gambling and sportsbook venues, services, and products in Norway.

Tax Obligations

If Norwegian companies do gambling and sportsbook businesses abroad, they can advertise only through foreign media channels.

Norwegian gambling and sports betting industry are monopolized by the government. Two stat e-owned companies have almost monopolized the right to provide gambling services. The activities of foreign operators are prohibited, and there is no established procedure to get a license. Also, the service cannot be advertised.

Norsk Liscoto has provided Norwegian horse racing sports betting services since its establishment (totalisor). NORSK TIPPING, on the other hand, offers a lot of sports betting, slots, other chance games, lottery, and scratch cards. It is noteworthy that poker is prohibited in Norway. However, the annual poker championships and lo w-priced poker sessions at each year are exceptions.

How to Gamble Legally in Norway

The Norwegian government has always tried to control online casinos with strict regulations. In 1902, criminal law banned most of luc k-based gambling games and allowed only several types provided by license holders. This strict ban was loosened by the three laws that were established in the 20th century:

Totalisator Law: This law, enforced in 1927, was the foundation of a national gambling service. The Norsque Riksoto Foundation was ultimately given the exclusive right of Totalister Sports Betting in Norway. The Ministry of Agriculture has obtained a mission to supervise the Gambling activities of the Foundation.
Gaming method: This law was enforced in 1992. It has given Norsque tip to sports betting for soccer games and lotter y-type numeric games. Culture and Ethnic Ministry functioning as a regulatory organization.
Lottery method: In 1995, the law, which was established in the dawn of the online gambling, gave a comprehensive explanation and definition to many gambling games that bet on real money, such as slot machines and lotteries. Only socia l-oriented philanthropic organizations are given a gambling license under this law. However, private companies can operate lottery and other games on behalf of organizations.
In the Norwegian online gambling market, the existence of foreign companies that provide options to replace the monopoly domestic market is extremely important. Norwegian gamblers are recommended for casinos and sports books that have licensed in the following areas:
The Malta Gambling Bureau has some licenses for gambling and betting. This is the top class for acquiring European gambling sites. Norwegian MGA approval online casinos are supported by players with ta x-exempt prizes.
The British Gambling Committee has gained a huge reputation as one of the strictest regulatory organizations in Europe, and is doing all the efforts to guarantee the safety of players and the fairness of the game.

Final words

Curacaseau e-gaming is known for its affordable licensing by simplified procedures. Curaceau's license is known for enabling many brand new casinos to enter the Norwegian market, and the new gambling platform provides the most attractive conditions.

Gibraltar's remote gambling has been highly evaluated by both casino pelers and gamblers. While gamblers provide ta x-exempt prizes and encrypted gambling opportunities, they are known for being inferior, strict and sorting to operators.

Elim Poon - Journalist, Creative Writer

Last modified: 27.08.2024

Additionally, in September, the government proposed a gambling tax increase from 18% to 22% of gross gaming revenue. However, this will be. Licensed operators must pay a tax of 18% on the profit they make on gambling in Sweden. Gambling that has a public benefit shall remain free of tax. It is widely acknowledged that a portion of online gambling by people is conducted on sites that do not have a Swedish license, implying that they generally do.

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