Andorra: gambling regulation and licensing
Principality of Andorra
- Online sports bettingPre-regulation
- Online casinoPre-regulation
- Online pokerPre-regulation
- Online bingoPre-regulation
- Lottery and iLotteryRegulated
- Land-based (reference)Regulated
- Regulator
- Andorran Gaming Regulatory Council
- Headline tax
- 3% GGR
- Licence required
- Yes
- Last verified
- 23 Sept 2026
Summary
Andorra starts from prohibition. Law 14/2024 on games of chance, in force since 5 December 2024, bans gambling in or from the Principality by any means except games authorised under a licence from the Consell Regulador Andorrà del Joc (CRAJ). The CRAJ is an administrative authority chaired by the finance minister and under Government control. It grants licences, inspects operators, authorises all gambling advertising and collects licence fees, while the Ministry of Finance collects the gambling tax and the Government imposes sanctions. The market that exists is land-based and small. There is one casino licence, held by Jocs, SA, whose UNNIC casino opened on 4 March 2023, and one bingo licence, held by Expojoc, SA. Spain's SELAE and ONCE sell lottery products under conventions that carry class C and C@ licences, and SELAE pays the CRAJ a 15% share of its Andorran sales that includes all Andorran taxes, less a 5.5% cost allowance. Online gambling is provided for but not open. The class D@ licence for online casino, fixed-odds and exchange betting, poker and bingo would be awarded by public tender, cost €200,000 plus €100,000 a year and be taxed at 3% of GGR. The CRAJ's 2025 report says it is the only licence class not yet developed by regulation, and no application can be made until it is. Offering gambling into Andorra from abroad without a licence is a very serious infringement, with fines of up to €1 million. The casino pays 10% of GGR with a €2 million annual minimum, and lottery and pool betting pay 25% of stakes.
Common pitfalls
Citing Law 37/2014 as current: it was consolidated as Law 4/2021, which Law 14/2024 repealed. Reading the CRAJ’s "taxes" as gambling tax: in Catalan these are licence fees, which the CRAJ collects, while the tax on gambling activities is managed and collected by the Ministry of Finance (art. 52). Assuming an online licence can be obtained: class D@ exists in the statute but has no implementing regulation.
Key facts
- Regulator
- Andorran Gaming Regulatory Council (CRAJ)
- Regulator type
- Dedicated regulator
- Headline tax
- 3% GGR
- Licence required
- Yes
- Minimum age
- 18+
- Tax base
- Rates differ by operator category (Law 14/2024 art. 51). 3% of gross gaming revenue (stakes and other gaming income less prizes paid) for category 4 online operators, a regime not yet open; 10% of GGR for the casino with a minimum of €2 million a year; 10% of amounts staked on bingo and 10% of GGR on video bingo and gaming machines; 25% of amounts staked for category 3 lottery and pool betting operators; 20% of GGR on prize contests and raffles and 3% of prize value on promotional lotteries.
- Capital
- Andorra la Vella
- Currency
- EUR
- Official languages
- Catalan
How to get a gambling licence in Andorra
The regulator is the Andorran Gaming Regulatory Council (CRAJ).
We record 5 licence types for Andorra.
For the Class A: casino, the application fee is €350,000 (as of 5 Dec 2024) and the annual fee is €150,000 (as of 5 Dec 2024).
- Local presence
- A local company or establishment is required; servers must be located locally; a local director is required; sites must use a .ad domain.
- Financial guarantee
- Every major licence holder must lodge a guarantee from an Andorran bank before operating, covering prizes, taxes, wages and penalties, with the amount set by regulation or the tender terms (Law 14/2024 art. 27); €600,000 for the casino (Decree 455/2025 art. 7). Historic operators with a convention are exempt.
- Headline tax
- 3% GGR (see Taxation for the full position)
Licence fees in Andorra
| Licence type | Application fee | Annual fee | Term |
|---|---|---|---|
| Class A: casinoFixed authorisation or renewal fee plus fixed annual maintenance fee (Law 14/2024 art. 55) | €350,000 (as of 5 Dec 2024) | €150,000 (as of 5 Dec 2024) | Up to 20 years, linked to the investment |
| Class A (ship): casino at seaFixed (art. 55) | €200,000 (as of 5 Dec 2024) | €100,000 (as of 5 Dec 2024) | Up to 5 years |
| Class B: bingoFixed (art. 55) | €50,000 (as of 5 Dec 2024) | €25,000 (as of 5 Dec 2024) | Up to 10 years, linked to the investment |
| Classes C and C@: lottery and pool bettingFixed fee for C and C@ together (art. 55); historic operators (FDJ, SELAE, ONCE, Loteries de Catalunya) obtain them by convention instead of tender | €50,000 (as of 5 Dec 2024) | €25,000 (as of 5 Dec 2024) | Up to 5 years |
| Class D@: online gamblingFixed (art. 55) | €200,000 (as of 5 Dec 2024) | €100,000 (as of 5 Dec 2024) | Up to 5 years |
Built from the record on this page, last verified 23 Sept 2026. The Licensing and Taxation sections carry the full detail and sources.
Legal framework
Primary statutes
Law 14/2024 of 7 November on games of chance
Llei 14/2024, del 7 de novembre, dels jocs d’atzar
- Year
- 2024
- In force
- Yes
- Summary
- The current gambling statute, in force since 5 December 2024. It prohibits gambling in or from Andorra except under a CRAJ licence, sets six operator categories and major and minor licence classes, the CRAJ’s powers, the tax on gambling activities by category, licence fees, the inspection service and sanctions of up to €1 million.
Law 37/2014 of 11 December regulating games of chance
Llei 37/2014, de l’11 de desembre, de regulació dels jocs d’atzar
- Year
- 2014
- In force
- No
- Summary
- Created the CRAJ and the licensing regime, in force from 15 January 2015. Amended in 2018 and consolidated as Law 4/2021 of 22 March, which Law 14/2024 repealed.
Law 14/2017 of 22 June on preventing and combating money laundering and terrorist financing
Llei 14/2017, del 22 de juny, de prevenció i lluita contra el blanqueig de diners o valors i el finançament del terrorisme
- Year
- 2017
- In force
- Yes
- Summary
- Makes casinos and other gambling providers, land-based and online, obliged entities, with customer due diligence at €2,000 and suspicious transaction reporting to UIFAND.
Secondary instruments
Decree 455/2025: Regulation on major licences
Decret 455/2025, del 10-12-2025, pel qual s’aprova el Reglament de les llicències majors
- Year
- 2025
- In force
- Yes
- Summary
- Consolidates the rules for the casino (class A), bingo (class B) and lottery and pool betting (classes C and C@), including the casino game catalogue, €1.2 million minimum capital and €600,000 bank guarantee for the casino. It does not cover the online class D@ licence.
Decree 454/2025: Regulation on gaming equipment
Decret 454/2025, del 10-12-2025, pel qual s’aprova el Reglament dels equipaments de jocs d’atzar
- Year
- 2025
- In force
- Yes
- Summary
- Homologation of gaming machines and betting systems, a minimum 80% return to player on slot machines, a €60,000 cap on linked progressive jackpots, and rules for in-person fixed-odds betting in the casino.
Decree 216/2025: Regulation on minor licences
Decret 216/2025, del 17-6-2025, pel qual s’aprova el Reglament de les llicències menors
- Year
- 2025
- In force
- Yes
- Summary
- Classes E to J: promotional lotteries, raffles and prize contests (in person or online), charity games, lottery distributors, personal licences for gaming staff and licences for equipment suppliers.
Decree 233/2026: Regulation on control, authorisation, inspection and sanctions
Decret 233/2026, del 17-6-2026, pel qual s’aprova el Reglament de les funcions de control, autorització, inspecció i sancions en matèria de joc del CRAJ
- Year
- 2026
- In force
- Yes
- Summary
- Sets minimum fines for each operator category and infringement level, and the procedures for licence and advertising authorisations and inspections. Replaces Decree 205/2021.
Decree 234/2026: Regulation on the CRAJ’s organisation and internal rules
Decret 234/2026, del 17-6-2026, pel qual s’aprova el Reglament d’estructura organitzativa, funcionament i règim intern del CRAJ
- Year
- 2026
- In force
- Yes
- Summary
- Replaces the 2022 regulation on the CRAJ’s structure and internal functioning.
Regulation on the management of the tax on gambling activities (2015)
Decret del 26-08-2015 pel qual s’aprova el Reglament de gestió de l’impost sobre activitats de joc d’atzar
- Year
- 2015
- In force
- Yes
- Summary
- Quarterly payments on account and a final annual self-assessment for operators licensed for a year or more; non-resident taxpayers must appoint an Andorran representative.
Convention between the CRAJ and SELAE (2020), amended 2025
Conveni entre el CRAJ i la Sociedad Estatal Loterías y Apuestas del Estado
- Year
- 2020
- In force
- Yes
- Summary
- Grants SELAE class C and C@ licences to sell its lotteries and mutual sports and horse betting in Andorra, in exchange for 15% of Andorran sales, net of 5.5% costs and inclusive of all Andorran taxes. Five-year term renewable tacitly; the 2025 addendum reset the reference year for the payment cap.
Key amendments
- 28 Nov 1996The bingo law regulates the one game of chance established in practice despite the 1929 general prohibition.
- 18 Oct 2012Law 28/2012 amends the bingo law and creates the Oficina del Joc, the CRAJ’s predecessor.
- 15 Jan 2015Law 37/2014 enters into force, creating the CRAJ and the licensing regime.
- 22 Mar 2021Law 4/2021 consolidates the amended Law 37/2014.
- 5 Dec 2024Law 14/2024 enters into force, repealing Law 4/2021 and the bingo law and splitting licences into major and minor classes.
- 18 Dec 2025Decree 455/2025 on major licences enters into force, consolidating the casino, bingo and class C and C@ rules.
- 26 Jun 2026Decree 233/2026 sets minimum fines by operator category and replaces the 2021 inspection and sanctions regulation.
Pending legislation
Implementing regulation for the class D@ online licence
- Stage
- Not published. The CRAJ’s 2025 report states that D@ is the only licence class in Law 14/2024 not yet developed by regulation and it was left out of the December 2025 major licences regulation.
- What it changes
- Would allow a public tender for online casino, fixed-odds and exchange betting, poker and bingo licences, taxed at 3% of GGR with a €200,000 authorisation fee and €100,000 annual maintenance fee.
Amendment of the Regulation of the CRAJ General Register
- Stage
- Planned by the CRAJ for the second half of 2026
- What it changes
- Would update the rules for the register of access bans and the register of operators and linked persons, including data protection.
Licensing
- Licence required
- Yes
- Application window
- Not yet verified
- Local establishment required
- Yes
- Local server required
- Yes
- Local domain required
- .ad
- Local director required
- Yes
- Bank guarantee or bond
- Every major licence holder must lodge a guarantee from an Andorran bank before operating, covering prizes, taxes, wages and penalties, with the amount set by regulation or the tender terms (Law 14/2024 art. 27); €600,000 for the casino (Decree 455/2025 art. 7). Historic operators with a convention are exempt.
- Notable licensees
- Jocs, SA (casino UNNIC, class A), Expojoc, SA (Bingo Star's, class B), SELAE (classes C and C@, by convention), ONCE (classes C and C@, by convention signed in 2025)
- Certification requirements
- Gaming machines and betting systems must be homologated and entered in the CRAJ register of models on the basis of a test report in Catalan from a laboratory authorised by the CRAJ (Decree 454/2025 art. 9). Online operators must file, within two months of go-live and then annually, a certificate from an independent body on the CRAJ’s list confirming the Andorran real-time data store (Law 14/2024 art. 35.6.7).
- Barriers to entry
- Major licences are awarded only by public tender on terms approved by the Government (Law 14/2024 art. 24). The holder must be an Andorran public limited company (societat anònima) with its registered office in Andorra, an exclusive gambling object, fully paid-up capital, registered shares and audited accounts filed with the CRAJ within seven months of year end (art. 25). Everyone working in the gambling operation needs a personal class I licence; casino and bingo operators must offer up to 10% of capital to Andorran nationals and residents; responsible persons must be domiciled in Andorra (art. 26.2.f). A D@ applicant may not have its seat, a subsidiary or equipment in a state without guarantees equivalent to Andorra’s and must use a .ad domain or a generic domain located in Andorra (art. 35.6).
Licence types
Class A: casino
- Scope
- A single land-based casino offering table games, banking games, gaming machines and in-person betting (category 1); the CRAJ issues only one
- Term
- Up to 20 years, linked to the investment
- Application fee
- €350,000 as of 5 Dec 2024
- Annual fee
- €150,000 as of 5 Dec 2024
- Fee basis
- Fixed authorisation or renewal fee plus fixed annual maintenance fee (Law 14/2024 art. 55)
- Renewal terms
- Renewal requests at least two years before expiry (art. 36.3)
Class A (ship): casino at sea
- Scope
- Casino gaming aboard registered passenger ships over 15,000 tonnes on regular lines or cruises over 48 hours
- Term
- Up to 5 years
- Application fee
- €200,000 as of 5 Dec 2024
- Annual fee
- €100,000 as of 5 Dec 2024
- Fee basis
- Fixed (art. 55)
- Renewal terms
- Renewal requests at least one year before expiry (art. 36.3)
Class B: bingo
- Scope
- Bingo, video bingo and gaming machines in person (category 2), with one annex hall more than 15 km from the main hall; the CRAJ issues only one
- Term
- Up to 10 years, linked to the investment
- Application fee
- €50,000 as of 5 Dec 2024
- Annual fee
- €25,000 as of 5 Dec 2024
- Fee basis
- Fixed (art. 55)
- Renewal terms
- Renewal requests at least one year before expiry (art. 36.3)
Classes C and C@: lottery and pool betting
- Scope
- Draw and instant lotteries and mutual sports, horse and other betting (category 3), at physical outlets (C) and online through the operator’s corporate website (C@, only for C holders)
- Term
- Up to 5 years
- Application fee
- €50,000 as of 5 Dec 2024
- Annual fee
- €25,000 as of 5 Dec 2024
- Fee basis
- Fixed fee for C and C@ together (art. 55); historic operators (FDJ, SELAE, ONCE, Loteries de Catalunya) obtain them by convention instead of tender
- Renewal terms
- Renewal requests at least one year before expiry (Decree 455/2025 art. 107)
Class D@: online gambling
- Scope
- Online casino table and circle games, online gaming machines, online bingo, and online fixed-odds and exchange betting (category 4); not yet open because no implementing regulation exists
- Term
- Up to 5 years
- Application fee
- €200,000 as of 5 Dec 2024
- Annual fee
- €100,000 as of 5 Dec 2024
- Fee basis
- Fixed (art. 55)
- Renewal terms
- Renewal requests at least one year before expiry (art. 36.3)
Taxation
- Headline GGR tax
- 3% GGR
- Effective date
- 5 Dec 2024
- Turnover tax
- 25%
- Player winnings tax
- Law 14/2024 sets no tax on players’ winnings. Prizes on SELAE games sold in Andorra bear SELAE’s withholding under Spanish rules (special levy on prizes, or non-resident income tax), with a refund claim possible under the double taxation convention (SELAE convention clause 4.3).
- Withholding mechanism
- Operators licensed for a year or more pay on account each April, July and October for the previous quarter and file a final self-assessment in January; operators with shorter licences file an income estimate before the event and a final return within 20 days. Non-resident taxpayers must appoint an Andorran representative (2015 tax management regulation arts. 1 to 5).
- VAT treatment
- SELAE’s gaming organisation and distribution services are exempt from the Andorran general indirect tax (IGI) under its convention (clause 6.2).
- Tax base
- Rates differ by operator category (Law 14/2024 art. 51). 3% of gross gaming revenue (stakes and other gaming income less prizes paid) for category 4 online operators, a regime not yet open; 10% of GGR for the casino with a minimum of €2 million a year; 10% of amounts staked on bingo and 10% of GGR on video bingo and gaming machines; 25% of amounts staked for category 3 lottery and pool betting operators; 20% of GGR on prize contests and raffles and 3% of prize value on promotional lotteries.
Earmarked levies
- Social destination of land-based gambling tax: 60% of the tax from in-person gambling (Projects for society such as responsible gambling plans, repairing gambling harm, education, research, culture and social security (Law 14/2024 art. 53))
- SELAE convention payment: 15% of SELAE’s Andorran sales, less 5.5% for costs, inclusive of all Andorran taxes (CRAJ)
- Licence fees (taxes): Fixed authorisation and annual maintenance fees by licence class (CRAJ)
Compliance
- Minimum age
- 18+
- National self-exclusion
- Registre General d'Interdiccions d'Accés al Joc d'Atzar (CRAJ access ban) (mandatory)
- KYC timing
- At entry on every casino or bingo visit; online, verification is a precondition for validating the account and paying out any balance, although provisional play may be offered before it (art. 35.6.5.2).
- AML regime
- Casinos and other gambling providers, land-based and online, are obliged entities under Law 14/2017: they appoint an internal control body and a representative to UIFAND, apply risk-based due diligence and report suspicions to UIFAND. The casino must refuse to cash chips of suspected illicit origin and report to UIFAND (Law 14/2024 art. 17.4), and major licence applicants must file an AML and counter-terrorist-financing manual (art. 26.2.n).
- AML supervisor
- Unitat d'Intel·ligència Financera d'Andorra (UIFAND)
- Deposit limits
- Operators must provide self-exclusion, moderation and self-limitation tools for deposits and stakes (Law 14/2024 art. 17.2).
- Affordability checks
- Operators must detect at-risk behaviour of registered users using indicators such as the volume, frequency and variability of stakes or deposits, and act on it under a protocol (Law 14/2024 art. 16.1.a).
- Source of funds thresholds
- Customer due diligence, including information on the origin of funds, applies when winnings are collected or bets placed for €2,000 or more, in one operation or several linked ones (Law 14/2017 art. 8, as set out by UIFAND).
- Central monitoring system
- The Andorran data store must be available to the CRAJ; the technical terms of transmission are left to regulation (art. 35.6.6.1). The casino must send the CRAJ, on request, visitor numbers, table results, machine takings and tips (Decree 455/2025 art. 42).
- Data localisation
- Online operators must archive in real time, on a data store located in Andorra, player identities, accounts, gaming events and platform maintenance events, and all data exchanged between player and operator must pass through it (Law 14/2024 art. 35.6.6).
- KYC requirements
- Casino and bingo visitors are identified at admission with a passport, national identity card, residence permit or other official document; the operator opens a numbered visitor file and keeps a copy of the document for ten years after the last visit (Law 14/2024 art. 15; Decree 455/2025 arts. 19 and 21). Online operators must verify identity, age, date of birth, address, e-mail or mobile number and the player’s payment account, confirm at each session that the player is a person, and open accounts only on the player’s express request (Law 14/2024 art. 35.6.5).
- Stake limits
- Not yet verified
- Mandatory player messaging
- Online operators must show at every connection that gambling is prohibited to minors, ask for the date of birth at registration and on every visit (art. 9.2) and permanently show the account balance (art. 17.3). Operators must provide information on gambling addiction and the CRAJ’s free helpline (1800 1801), which must appear on operators’ websites (arts. 19 and 21).
- Reporting obligations
- By 31 January each year operators must send the CRAJ their risk-detection mechanisms and protocol, the number of at-risk players detected in the previous year and the action taken (Law 14/2024 art. 16.1.a). Major licence holders file audited accounts with the CRAJ within seven months of year end (art. 25.1.c).
- Game content restrictions
- Only games approved by regulation may be offered (Law 14/2024 art. 6); the casino game catalogue is fixed in Decree 455/2025, annex I. Slot machines must return at least 80% of stakes and linked progressive jackpots may not exceed €60,000 (Decree 454/2025 arts. 7 and 13). Online operators may not take bets on events involving Andorran clubs or athletes (Law 14/2024 art. 7.10).
Advertising
- Advertising permitted
- Yes
- Watershed
- No gambling communications in audiovisual services and programmes during children’s hours, 07:00 to 22:00, nor in cinemas during films open to all audiences (Law 14/2024 art. 20).
- Affiliate rules
- Facilitating or advertising unauthorised gambling is prohibited and a serious infringement (arts. 7.5 and 75.10), and anyone obtaining a relevant benefit linked to infringing gambling activity is treated as an infringer (art. 73).
- Sponsorship rules
- Operators may not finance or sponsor events aimed at minors (art. 9.2). The casino may use its name to sponsor one-off public, sporting or cultural events without prior authorisation provided there is no direct reference to gaming and the event is not specific to minors (Decree 455/2025 art. 55).
- Bonus advertising rules
- Advertising commercial offers that carry a financial reward for users needs CRAJ authorisation (art. 40.4).
- Mandatory warnings
- Every commercial communication must carry a warning against excessive or pathological gambling that refers to the CRAJ information and help service (Law 14/2024 art. 20). Casino promotions must state that gambling is prohibited to minors (Decree 455/2025 art. 53), and betting advertising must state that betting is prohibited to minors and that abusive gambling can cause addiction (Decree 454/2025 art. 3). No fixed wording is prescribed.
- Penalties for breach
- Advertising without authorisation or in breach of art. 20 is a serious infringement (art. 75.23), punishable by a fine of up to €500,000 and/or suspension for up to six months; issuing unauthorised communications from Andorra breaches art. 7.7, a very serious infringement with fines of up to €1,000,000 (arts. 76.1 and 77).
Restrictions
- Every commercial communication for a game or gambling operator needs prior CRAJ authorisation (Law 14/2024 art. 20), and any communication issued from Andorra for gambling offered anywhere is prohibited without it (art. 7.7)
- No advertising or facilitation of gambling the advertiser knew, or could not reasonably ignore, was unauthorised (art. 7.5)
- No commercial communications in publications or online services aimed at minors (art. 20)
- Online gambling communications must state the minimum age, may not be placed where minors habitually spend time such as schools, and may not exploit minors’ inexperience, use images of minors or young people, reflect youth culture or suggest gambling marks the passage to adulthood (art. 9.4)
- No advertising for lenders or for loans between players on gaming premises or operator websites (art. 12.4)
- Communications issued from outside Andorra may be assessed and controlled by the CRAJ where they breach Andorran law, national security or public order (art. 7.7)
Payments
- Credit card ban
- Not yet verified
- Crypto stance
- Not yet verified
- Permitted methods
- Cash and casino chips (land-based), Debit cards, Credit cards in gaming establishments (not for Andorran nationals and residents in categories 1, 2 and 4), Bank transfer or casino cheque for casino payouts
- Payment blocking regime
- For serious and very serious infringements the Government may freeze, for six months renewable, movements to or from accounts of those organising prohibited gambling, including by preventive attachment (Law 14/2024 art. 77.10; Decree 233/2026 art. 25).
- Currency restrictions
- Gambling on credit is prohibited; Andorran nationals and residents paying by card at the casino, bingo or online operators must use debit cards (Law 14/2024 art. 12). Online players’ funds may only be paid by transfer to a single payment account with an institution authorised in Andorra or in a state with equivalent anti-fraud and anti-money-laundering guarantees (art. 35.6.5.3). Gambling operators may not provide currency exchange (art. 7.11).
Enforcement
- ISP blocking
- Not yet verified
- DNS blocking
- Not yet verified
- Payment blocking
- Yes
- App store takedowns
- Not yet verified
- Administrative penalties
- Minor: written warning and/or fine up to €100,000; serious: fine up to €500,000 and/or suspension up to six months; very serious: fine up to €1,000,000, licence withdrawal, activity ban and suspension up to one year; confiscation for serious and very serious infringements (Law 14/2024 art. 77). Decree 233/2026 sets minimum fines by category, for example €50,000, €250,000 and €500,000 for a category 4 online operator and €75,000, €375,000 and €750,000 for the casino.
- Operator liability
- Organising or offering gambling in or into Andorra without a CRAJ licence, including from abroad, is a very serious infringement (arts. 1, 7.1 and 76.1). Anyone offering gambling to Andorra, or profiting from it, is jointly liable for the gambling tax unless they checked that the operator appears on the CRAJ licence list (art. 48.2). Sanctions are imposed by the Government on the CRAJ’s proposal and can be appealed to the administrative courts (arts. 69 and 70).
- Player liability
- Taking part in gambling one knew, or could not reasonably ignore, was unauthorised is prohibited (art. 7.5) and a serious infringement (art. 75.10). Bringing in lottery tickets for personal use with a face value over €100 draws a fine of three times the excess (art. 35.4.5).
Notable actions
- Licensed operators31 Dec 2025
The CRAJ reports that in its first ten years no irregularities were found that led to sanctioning proceedings against Expojoc, Jocs or other licensed operators.
- Casino and bingo halls31 Dec 2025
Eight inspections in 2025 with the police gaming unit, six at the casino and two at the bingo halls.
Timeline
28 Nov 1996
The bingo law regulates bingo, the one game tolerated despite the 1929 general ban
15 Jan 2015
Law 37/2014 enters into force and creates the CRAJ
21 Jul 2015
The CRAJ is formally constituted
28 Nov 2017
The single bingo licence is granted to Expojoc, SA
26 Jun 2018
The international casino tender is awarded to Jocs, SA
4 Sept 2020
After administrative appeals the CRAJ grants the casino licence
12 Nov 2020
Convention with SELAE signed, carrying class C and C@ licences
4 Mar 2023
The UNNIC casino opens
5 Dec 2024
Law 14/2024 on games of chance enters into force
7 May 2025
Convention with ONCE signed
27 Oct 2025
Addendum to the SELAE convention signed as the convention is extended
18 Dec 2025
Regulation on major licences enters into force, without rules for online licence D@
26 Jun 2026
New regulation on inspection and sanctions sets minimum fines by operator category
Outlook
The next year is about finishing the rulebook rather than opening the market. After the June 2026 decrees on sanctions and on its own organisation, the CRAJ plans to amend the regulation of its General Register in the second half of 2026. No draft regulation for the class D@ online licence has been published, and without one no tender can be called. ONCE had not yet opened its two planned sales points in Andorra la Vella and Escaldes-Engordany at the end of 2025.
Frequently asked questions
- Is online gambling legal in Andorra?
- Not yet in practice. Law 14/2024 provides a class D@ licence for online casino, betting, poker and bingo, but the CRAJ says it has not been developed by regulation, so no licence can be applied for. Offering gambling into Andorra without a CRAJ licence, including from abroad, is a very serious infringement.
- Who regulates gambling in Andorra?
- The Consell Regulador Andorrà del Joc (CRAJ), an administrative authority chaired by the finance minister under Government control. It grants licences, inspects operators and authorises advertising; the Government imposes sanctions on its proposal and the Ministry of Finance collects the gambling tax.
- How is gambling taxed in Andorra?
- By operator category: 3% of GGR for online operators under the future D@ licence, 10% of GGR for the casino with a €2 million annual minimum, 10% of bingo stakes, and 25% of stakes for lottery and pool betting. SELAE instead pays the CRAJ a 15% share of its Andorran sales that includes all Andorran taxes, less a 5.5% cost allowance.
- What would an Andorran online licence cost?
- The D@ licence carries a €200,000 authorisation fee and a €100,000 annual maintenance fee, runs for up to five years and is awarded by public tender. The holder must be an Andorran company, use a .ad domain or one located in Andorra and keep a real-time data store in Andorra.
- How does self-exclusion work in Andorra?
- A player applies in person at the CRAJ with identification. The ban is indefinite with a minimum of one year and is entered in the CRAJ register that the casino, the bingo and online operators must check.
- What are the penalties for breaking Andorra’s gambling law?
- Fines of up to €100,000 for minor, €500,000 for serious and €1,000,000 for very serious infringements, plus suspension, licence withdrawal, confiscation and account freezing. Since June 2026 minimum fines apply by operator category.
Glossary and directory
Sources
Source tiers. Tier 1: the law, official gazette, licence register or regulator itself. Tier 2: other official sources such as ministries, parliaments, courts and statistics agencies. Only tier 1 and tier 2 sources can support a fact on their own.
- Consell Regulador Andorrà del Joc: què és, funcions, històric, legislació vigent, llistats d’operadors
Consell Regulador Andorrà del Joc
Tier 1Accessed 23 Sept 2026 - Joc responsable: test d’autoavaluació, serveis públics i tramitació de sol·licituds de prohibició d’accés
Consell Regulador Andorrà del Joc
Tier 1Accessed 23 Sept 2026 - Llei 14/2024, del 7 de novembre, dels jocs d’atzar (BOPA núm. 133)
Butlletí Oficial del Principat d'Andorra (BOPA)
The BOPA web listing dates issue 133 to 3 December 2024; the PDF masthead and the CRAJ 2024 activity report give publication on 4 December 2024 and entry into force on 5 December 2024. The PDF date is recorded.
Tier 1Accessed 23 Sept 2026Published 4 Dec 2024 - Llei 14/2024, del 7 de novembre, dels jocs d’atzar, PDF edition (art. 55 fee table, p. 43)
Butlletí Oficial del Principat d'Andorra (BOPA)
Tier 1Accessed 23 Sept 2026Published 4 Dec 2024 - Decret 455/2025, del 10-12-2025, pel qual s’aprova el Reglament de les llicències majors
Butlletí Oficial del Principat d'Andorra (BOPA)
Tier 1Accessed 23 Sept 2026Published 17 Dec 2025 - Decret 454/2025, del 10-12-2025, pel qual s’aprova el Reglament dels equipaments de jocs d’atzar
Butlletí Oficial del Principat d'Andorra (BOPA)
Tier 1Accessed 23 Sept 2026Published 17 Dec 2025 - Decret 216/2025, del 17-6-2025, pel qual s’aprova el Reglament de les llicències menors
Butlletí Oficial del Principat d'Andorra (BOPA)
Tier 1Accessed 23 Sept 2026Published 25 Jun 2025 - Decret 233/2026, del 17-6-2026, pel qual s’aprova el Reglament de les funcions de control, autorització, inspecció i sancions en matèria de joc del CRAJ
Butlletí Oficial del Principat d'Andorra (BOPA)
Tier 1Accessed 23 Sept 2026Published 25 Jun 2026 - Decret 234/2026, del 17-6-2026, pel qual s’aprova el Reglament d’estructura organitzativa, funcionament i règim intern del CRAJ
Butlletí Oficial del Principat d'Andorra (BOPA)
Tier 1Accessed 23 Sept 2026Published 25 Jun 2026 - Decret del 26-08-2015 pel qual s’aprova el Reglament de gestió de l’impost sobre activitats de joc d’atzar
Butlletí Oficial del Principat d'Andorra (BOPA)
Tier 1Accessed 23 Sept 2026 - Edicte del 15-12-2020 pel qual es publica el conveni signat entre el CRAJ i la Sociedad Estatal Loterías y Apuestas del Estado
Butlletí Oficial del Principat d'Andorra (BOPA)
Tier 1Accessed 23 Sept 2026Published 23 Dec 2020 - Edicte del 25-11-2025 pel qual es publica l’Addenda de modificació del conveni entre el CRAJ i la SELAE
Butlletí Oficial del Principat d'Andorra (BOPA)
Tier 1Accessed 23 Sept 2026 - Edicte del 26-6-2018: resolució de l’adjudicació del concurs internacional per a la llicència de classe A (casino)
Butlletí Oficial del Principat d'Andorra (BOPA)
Tier 1Accessed 23 Sept 2026 - Edicte del 30-5-2017: resolució de l’adjudicació del concurs públic per a la llicència de classe B (bingo)
Butlletí Oficial del Principat d'Andorra (BOPA)
Tier 1Accessed 23 Sept 2026 - Edicte del 27-1-2026 pel qual es publica la llista dels titulars de les llicències autoritzades pel CRAJ durant l’any 2025
Butlletí Oficial del Principat d'Andorra (BOPA)
Tier 1Accessed 23 Sept 2026Published 4 Feb 2026 - Memòria d’activitats del Consell Regulador Andorrà del Joc, any 2025
Consell Regulador Andorrà del Joc
Tier 2Accessed 23 Sept 2026Published 31 Dec 2025 - Memòria d’activitats del Consell Regulador Andorrà del Joc, any 2024
Consell Regulador Andorrà del Joc
Tier 2Accessed 23 Sept 2026Published 31 Dec 2024 - Informe de la trajectòria dels primers 10 anys d’activitat del CRAJ (2015 to 2025)
Consell Regulador Andorrà del Joc
Tier 2Accessed 23 Sept 2026 - Subjectes obligats no financers: casinos de joc, presencials i en línia
Unitat d'Intel·ligència Financera d'Andorra (UIFAND)
Tier 1Accessed 23 Sept 2026