Curaçao Gaming License

Unlock the full potential of the Curaçao Gaming License, designed to empower both emerging startups and seasoned enterprises within the online gaming industry.

OVERVIEW LICENSING REQUIREMENTS COSTS & TAXATION FAQ's CORPORATE STRUCTURE BENEFITS

The Curaçao Gaming Control Board (GCB) plays a pivotal role in the oversight and regulation of gaming activities within Curaçao.

Established as part of the government’s efforts to provide structured and legal frameworks for gambling operations, the GCB is tasked with ensuring that gaming within the jurisdiction adheres to strict standards of fairness, security, and transparency.

Since its inception in 1999, the Curaçao Gaming Control Board (GCB) has held the responsibility for overseeing the regulation of the terrestrial casino sector.

From March 2020, the GCB has been entrusted with the task of issuing licenses and supervising Curaçao’s online gaming sector under the directive of the Minister of Finance, marking a pivotal expansion of its regulatory scope.

Curaçao Gaming License Overview

The application process for a Curaçao gaming license involves a meticulous evaluation of submitted documentation, from corporate disclosures to personal histories of key individuals within the applying entity.

Prospective licensees must demonstrate comprehensive operational and financial planning, including detailed business structures and clear strategies for player interaction and wagering. Critical to this process is the establishment of a Curaçao-registered entity, though the parent group need not be based entirely in Curaçao.

The disclosed information must thoroughly outline the group’s structure, including UBOs, directors, and any entities with a significant shareholding or interest.

Curaçao is an attractive and reliable jurisdiction for online gaming operators looking to establish or expand their operations.

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The Curaçao Gaming License

Curaçao has officially implemented its new regulatory framework for games of chance with the enactment of the National Ordinance on Games of Chance (LOK) in 2025. This legislative overhaul replaces the previous master and sub-license system, ensuring a fully government-regulated licensing model. At the core of this transformation is the establishment of the Curaçao Gaming Authority (CGA), which has taken over the responsibilities of the former Gaming Control Board (GCB) to enforce strict compliance and oversight.

The new regulatory structure introduces a distinct licensing framework divided into two main categories: B2C licenses for gaming operators and B2B licenses for gaming suppliers, including platform providers, game developers, and payment service providers. The CGA is responsible for issuing and monitoring these licenses, ensuring compliance with financial, operational, and integrity-related criteria.

During the transition period leading up to the implementation of the LOK, Curaçao’s government allowed operators to continue obtaining licenses under the previous system. However, all existing license holders are now required to transition to the new framework, adhering to the revised regulatory and operational standards set forth by the LOK.

With competitive licensing fees, a favourable business environment, and progressive regulations, Curaçao continues to be an attractive jurisdiction for iGaming businesses. Additionally, the LOK framework enhances player protection, ensures transparency, and promotes responsible gaming, positioning Curaçao as a leading hub for regulated online gaming operations.

General Requirements for the License

With the Landsverordening op de Kansspelen (LOK) now in full effect, applicants must comply with the updated requirements set by the Curaçao Gaming Authority (CGA) to obtain and maintain a gaming license. Below are the key requirements under the new regulatory framework.

Legal & Operational Requirements

The applicant must establish a Curaçao-incorporated company, either a naamloze vennootschap (N.V.) or a besloten vennootschap (B.V.), and register it with the Curaçao Chamber of Commerce.
The company must appoint at least one Curaçao-based Key Person who is registered in the Curaçao Population Register for the first four years of operations. This requirement increases to three Key Persons from the fifth year onwards.
The license holder must maintain a physical office or designated business space in Curaçao for gaming-related operations.

Technical & Compliance Requirements

The company must submit a comprehensive operational manual, detailing:

- Games offered, bet amounts, payout structure, and technical specifications.
- Measures to ensure responsible gaming and fraud prevention.
- Storage of player personal data and financial records.
- Backup and disaster recovery measures in case of system failures.
- All gaming software and systems must be tested and certified by internationally accredited and independent testing laboratories.
- The company must operate a Tier-IV certified server registered in Curaçao, ensuring data security and regulatory access.

Financial & Anti-Money Laundering (AML) Compliance

- - Annual financial reports must be submitted to the CGA by June 30 of the following year.
  - License holders must implement strict Anti-Money Laundering (AML) protocols, requiring player verification for transactions exceeding ANG 4,000.00.
  - The company must separate player funds from operational funds to ensure financial integrity.

Player Protection & Market Restrictions

Operators must implement self-exclusion programs and restrict access to vulnerable persons.

The following individuals are prohibited from registering or participating in gaming activities:

Persons under 18 years of age.
Residents of Curaçao unless explicitly permitted.
US residents and any jurisdiction where Curaçao gaming licenses are not recognised.
Any person designated as a Key Person within the company

Documentation

The application for the Curaçao gaming license necessitates a variety of specific documents. While the exact set can differ, the fundamental requirements are as follows:

- - Original or certified copy of the birth certificate.
  - Original or certified copy of the passport and/or identity document.
  - Original or certified copy of a recent police clearance and/or protocol regarding the applicant (certificate of no criminal record); Documents must be provided for each jurisdiction in which the applicant has resided for more than six months in the past two years.
  - Certified authentic copies of any gaming licenses issued to the applicant in any jurisdiction.
  - Original or certified copy of a letter from a credit institution/bank or bank statement (issued within 6 months from the date of this application).
  - Original or certified copy of a utility bill or bank statement showing the current address of the applicant or any other document confirming the residential address.
  - Declaration and confirmation of the source of funds and source of income of shareholders.

Application Process

While the Curaçao gambling license has been perceived as permissive, those planning to apply should not undervalue the complexity of the application process. The revised process is designed to conduct a comprehensive examination and evaluation of stakeholders and the aspiring company. To obtain the license and evade unnecessary costs, operators must meticulously submit all necessary information from the start.

Curacao Gaming License Fees Under the LOK (2025 Update)

With the Landsverordening op de Kansspelen (LOK) now fully in effect as of 2025, all online gaming operators must adhere to the new regulatory framework set by the Curacao Gaming Control Board (GCB). The new licensing system introduces a clear, structured fee model for both B2C gaming operators and B2B gaming service providers. Below is a breakdown of the applicable fees under the LOK framework.

B2C (Gaming License) Fees

Application Fees (One-Time, Non-Refundable)

Before a license application is processed, the following non-refundable fees must be paid:

Application fee for a B2C license: €4,592
Ultimate Beneficial Owner (UBO) fee: €150 per person
Qualified Interest Holder fee: €150 per person
Listed UBO Addition: €2,551 per entity

Annual Fees

B2C license holders must pay the following fees each year:

License Fee (to the National Treasury): €24,490 (due annually by January 15)
Supervisory Fee (to CGA): €22,960 (due annually by January 15)
Total Annual Fees: €47,450

Additional Domain Fees

The LOK framework allows for additional domains, with a one-time fee of €250 per domain upon application.

B2B (Supplier License) Fees

Application Fees (One-Time, Non-Refundable)

B2B gaming service providers must pay the following fees before their application is processed:

Application fee for a B2B license: €4,592
Ultimate Beneficial Owner (UBO) fee: €150 per person
Qualified Interest Holder fee: €128 per person
Listed UBO Addition: €2,551 per entity

Annual Fees

Supervisory Fee (to CGA): €24,490 (due annually by January 15)
Total Annual Fees: €24,490

B2B licensees do not pay a separate National Treasury fee under the LOK system.

Other Administrative Fees

Operators may need to pay additional administrative fees for modifications to their license:

Addition of domains: €250 per domain (one-time fee).
Certificate Application: €383 (one-time fee upon request).
Change or Addition of a UBO: €128 per person.
Change or Addition of a Qualified Interest Holder: €128 per person.

Key Takeaways for 2025

LOK is now fully implemented, replacing the old NOOGH framework.
B2C license holders must pay €47,450 annually, divided between the National Treasury and CGA.
B2B license holders pay €24,490 annually, with fees only payable to CGA.
Domain additions require a €250 one-time fee per domain.
Application fees are non-refundable and must be paid upfront.

The LOK framework ensures greater transparency, regulatory oversight, and a clear fee structure for all gaming operators in Curacao. Companies applying for a Curacao gaming license should carefully review these updated fees and prepare accordingly to remain compliant with the latest regulations.

Timeframes

Establishing a company in Curaçao under the LOK framework requires a registration process that typically takes 2 to 3 weeks. During this period, all necessary legal and regulatory steps will be taken to ensure the company meets Curaçao Gaming Authority (CGA) requirements. This includes selecting the appropriate company structure (N.V. or B.V.), completing the registration with the Curaçao Chamber of Commerce, and securing a local office space if required. Additionally, the appointment of at least one Curaçao-resident Key Person will be arranged to fulfill compliance obligations, reducing the need for restructuring in the future.

While the company formation process is underway, preparation of the license application documents can begin simultaneously. This includes compiling business plans, operational manuals, financial statements, and compliance policies required for submission to the CGA. Our team of experts will provide assistance at each stage, ensuring that all necessary documentation meets regulatory standards.

Once the complete license application has been submitted, the CGA will review and process the application within approximately 8 weeks. In cases where additional verification is needed, the review period may be extended by up to an additional 8 weeks. Under certain circumstances, a provisional license may be granted for a period of up to 6 months, allowing the operator to commence activities while awaiting final approval.

License Duration

Under the Landsverordening op de Kansspelen (LOK), gaming licenses issued by the Curaçao Gaming Authority (CGA) are generally granted for an indefinite period unless otherwise specified. This represents a significant departure from the previous system, where licenses had to be reapplied for every three years.

However, license holders must comply with ongoing regulatory requirements, including regular audits, financial reporting, and continued adherence to compliance measures. Failure to meet these obligations can result in license suspension, amendment, or revocation.

Additionally, licenses may be subject to periodic reviews by the CGA, and any major changes in ownership, operational scope, or financial stability must be reported for reassessment. If a license is revoked, the operator is legally required to immediately cease gaming activities.

By establishing an indefinite licensing framework, LOK ensures greater stability for operators while reinforcing strict regulatory oversight to maintain integrity in the gaming sector.

Benefits of a Curaçao Licence

The Curaçao gaming license has always been attractive due to its simplicity and cost-effectiveness, making it a popular choice for those entering the industry. While recent changes may seem to diminish these benefits, a closer examination reveals potential advantages.

In the iGaming sector, as in many others, long-term success often depends on strategic, forward-thinking decisions. The modifications to Curaçao’s licensing system represent such a strategic shift, particularly for those not solely focused on immediate profits. Here are the potential benefits:

- - Reputation: The Curaçao gambling license is one of the most recognised and sought-after international licenses due to its extensive market penetration. Its established reputation acts as a seal of approval, fostering trust with both players and partners. The ongoing evolution of its rules and structure enhances its standing, providing long-term benefits for Curacao-licensed casinos and other iGaming brands.
  - Wide Market Reach: The Curaçao license has a global reach, operating under the principle ‘what is not explicitly prohibited is permitted’. However, there are specific exclusions, and operators should regularly check for any changes. This flexible approach gives licensees considerable freedom in terms of market selection and operation.
  - Cryptocurrency Support: In the 2024 financial landscape, cryptocurrencies occupy a significant niche, offering speed, flexibility, independence, and anonymity. For operators, this means easy access to a market of motivated, crypto-literate users, which can help grow their player base and profits. The Curaçao license supports this need, striking a balance between certified gaming operations and cryptocurrency transactions.
  - Comprehensive Permission: The Curaçao license allows operators to offer a wide range of gambling activities from slots and lotteries to live games and bingo. This broad coverage eliminates the need for separate legal approvals for different types of gambling activities, allowing businesses to experiment and scale up without regulatory constraints.

Licensing Cost Comparison & Taxation

Jurisdiction	Application Timeframe	Local Officer Requirements	License Costs	Annual Renewal Costs	Corporate Taxation	Gaming Tax	Local Server Requirement	Local Company Requirements
Alderney	3-6 months	Yes	£17,500	£35,000-£400,000	0%	0%	No	No
Anjouan	3-4 weeks	No	€17,000	€17,000	0%	0%	Replication	No
Curacao	8-10 weeks	Yes	€54,893	€47,450	2%	0%	Yes	Yes
Cyprus	6-9 months	Yes	€30,000	€30,000	12.5%	13%	Replication	Yes
Gibraltar	6-9 months	Yes	£100,000	£100,000	12.5%	1% max £425,000	Yes	Yes
Isle of Man	3-6 months	Yes	£36,750 – £52,500	£36,750 – £52,500	0%	0.1 – 1.5%	No	Yes
Kahnawake	4-6 months	No	$40,000	$20,000	0%	0%	Yes	No
Malta	6-12 months	Yes	€25,000 – €85,000	€25,000-€85,000	35%	5% max €600,000	Yes	Yes
Ontario	6-12 Months	No	$100,000	$100,000	15%	15-25%	No	No
Tobique	6-8 weeks	No	€36,000	€18,000	0%	0%	Compliance Platform	No
United Kingdom	3-6 months	No	£4,224- £91,686	£4,199-£793,729+	19%-25%	15%-21%	No	No

The figures presented in the table above serve as estimates and are provided for informational purposes. It’s important to note that certain costs are approximations and may vary based on fluctuations in exchange rates.

It’s crucial to understand that the mentioned costs exclusively pertain to licensing fees and do not encompass expenses associated with legal fees, compliance procedures, or liaising with gaming regulatory authorities.

Furthermore, it’s essential to consider that additional charges might apply, including fees for key person licenses, local substance requirements, minimum capital obligations, and other regulatory prerequisites beyond the scope of the license costs.

Explore the diverse jurisdictions we specialise in through our comprehensive licensing support. Select a location from the dropdown menu to gain detailed insights into each region’s licensing landscape, requirements, and strategic advantages for your iGaming venture.

The Curaçao Gaming License FAQ

What types of online gaming activities does the Curaçao license cover?

The Curaçao license broadly covers all major types of online gaming activities, including online casinos, sports betting, poker, bingo, and other gambling-related games.

Must an applicant be a Curaçao registered entity to apply for a gaming license?

Yes, the applicant must be a Curaçao registered entity, though the entire corporate group need not be based in Curaçao.

Can a Curaçao-registered company operate under a foreign gaming license, such as an Anjouan license, without a Curaçao license?

No, a Curaçao-registered company cannot legally operate under a foreign gaming license (such as an Anjouan license) without also holding a valid Curaçao Gaming License. Under Curaçao’s Landsverordening op de Kansspelen (LOK), any company conducting gaming-related activities from Curaçao must be licensed by the Curaçao Gaming Authority (CGA). The law explicitly states that organising or providing games of chance in or from Curaçao without a CGA-issued license is prohibited. Additionally, companies offering gaming-related services or critical goods from Curaçao must obtain a Supplier License under the LOK. Simply holding a foreign gaming license does not exempt a Curaçao entity from these regulatory requirements.

Can a Curaçao-licensed gaming operator use software from a provider that does not have a B2B license in Curaçao?

No, a Curaçao-licensed gaming operator cannot legally use gaming software from a provider that does not hold a valid B2B (Supplier) License issued by the Curaçao Gaming Authority (CGA). Under the Landsverordening op de Kansspelen (LOK), gaming operators may only source critical gaming-related services or goods—including software, platforms, and game content—from CGA-approved suppliers that are listed in the public register of licensed suppliers.

If a gaming operator is found using software from an unlicensed provider, it could result in regulatory penalties, suspension, or revocation of the operator’s license. Software providers that wish to offer their services to Curaçao-licensed operators must apply for a B2B Supplier License from the CGA and comply with its requirements, including technical audits, financial solvency checks, and regulatory approvals.

What are the server location requirements for Curaçao-licensed operators?

Operators are required to host a Tier-IV certified server in Curaçao, ensuring data security and regulatory access so as to comply with licensing requirements, ensuring that a portion of the gaming operation is physically based within the jurisdiction.

Are there any jurisdictions where Curaçao-licensed operators are prohibited from offering their services?

The countries that are banned from being targeted with the license include:

Curaçao, Aruba, Bonaire, Saba, Sint Maarten, St. Eustatius
Netherlands
France
Italy
Australia
Spain
United Kingdom
United States of America
Countries blacklisted by the Financial Action Task Force (FATF)

It’s essential to note that the list of excluded countries is subject to change, and it’s the responsibility of the licensed operator to remain compliant with relevant laws and regulations.

Is game certification required for Curaçao gaming license holders?

Yes, games provided by Curaçao-licensed operators need to be certified by recognised independent testing labs to ensure fairness and compliance with international gaming standards.

Can Curaçao-licensed operators accept cryptocurrency as a form of payment?

Yes, the Curaçao license allows for the integration of cryptocurrencies as payment methods, reflecting the jurisdiction’s adaptive approach to emerging financial technologies.

What is the decision period for a license application by the GCB?

The GCB aims to make a decision within two months of submission, but this can extend based on the complexity of the application.

What are the core forms required for a Curaçao gaming license application?

The Online Licensing Application Form, Personal History Disclosure Form, and Corporate Disclosure Form.

Is it necessary for all documents to be consistent with each other?

Yes, all documentation must be individually and collectively consistent to avoid anomalies that could delay or impact the licensing decision negatively.

Are UBOs, directors, or key persons required to be Curaçao residents?

The company must appoint at least one Curaçao-based Key Person who is registered in the Curaçao Population Register for the first four years of operations. This requirement increases to three Key Persons from the fifth year onwards.

What information is required for a business plan submission?

A comprehensive business plan covering the entire operation for each license application, including strategies, market demographics, and financial projections.

What should start-ups disclose in their financial projections?

Start-ups should separately disclose the expected initial investment, projected marketing expenses, commissions paid, and any third-party support documents.

How does the GCB evaluate the realism of financial projections and funding?

The GCB reviews if projections are supported, funding matches projections for a 3-year period, and if existing businesses provide a narrative on past performance.

What does the GCB expect in terms of senior management experience?

A business plan should demonstrate the senior management team’s experience in financial management and sector knowledge.

Who needs to submit a Personal History Disclosure (PHD)?

UBOs, individuals with a Qualifying Interest, and Key Persons involved in the management and operations of the company.

Can a UBO also undertake the role of compliance officer?

No, the compliance officer role cannot be combined with any commercial role to prevent conflicts of interest.

What critical changes require immediate notification to the GCB?

Any significant changes such as UBO, Key Person changes, or criminal charges against the company or its board members.

What is the definition of a Key Event in the context of a license application?

A Key Event is a significant change or occurrence that could affect the outcome of the application or the operation of the applicant.

How are domain changes handled in the application process?

Domains must be registered and controlled by the applicant, with changes or acquisitions post-application requiring notification to the GCB.

What happens if there's a material change to the business plan after submission?

Material changes need to be reflected accurately in an updated business plan and communicated to the GCB.

Are there requirements to segregate player funds?

Yes. Licensees are required to segregate player funds from operational funds. Player funds should be held in a separate account.

What documentation is critical for the GCB’s evaluation of the application?

Documents demonstrating the company’s structure, financial stability, and operational integrity are critical for evaluation.

How should an applicant demonstrate the availability of funds?

Through bank statements, crypto wallet proofs, and a narrative on how the funds were amassed and allocated to the business.

How does Curaçao's licensing framework address responsible gaming?

Operators are expected to adhere to guidelines and implement measures that promote responsible gaming, protecting players from gambling-related harm.

What are the GDPR requirements?

Licensees must comply with local data protection requirements for each territory targeted and a Privacy Policy must be present in the footer at all times.

What are the Anti-Money Laundering (AML) requirements for Curaçao-licensed operators?

Operators must develop and enforce comprehensive AML policies, conduct due diligence on customers, and report suspicious transactions to remain compliant with Curaçao’s regulatory standards.

Technical standards

• The website must have a footer containing specific information and policies, including an active domain validation shield.
• Company information or “About Us”.
• A responsible gaming link.
• Complaints and arbitration information.
• Terms of Use.
• Privacy Policy.
• Bonus Policy.
• Affiliates.
• AML & KYC policy.
• Payment policy.
• Contact us.

Corporate Structure

This forward-thinking corporate framework capitalises on the strategic benefits inherent to Curaçao and the EU, enhancing financial efficiency and adherence to regulatory standards.

This corporate strategy demonstrates a deliberate alignment between a Curaçao-based gaming company, holding a Curaçao Gaming License, and its wholly-owned subsidiary, a payment processing company located in Cyprus.

By holding a Curaçao Gaming License, the Curaçao-based parent company makes a decisive entry into the global online gaming market, utilising the regulatory acclaim and broad market access granted by the Curaçao Gaming Control Board. This strategic placement not only boosts the company’s market entry but also leverages Curaçao’s well-established regulatory framework to its advantage.

Concurrently, the subsidiary in Cyprus, focusing on payment processing, takes advantage of Cyprus’s favourable tax regime, its European Union membership, and a sturdy banking system renowned for supporting worldwide financial transactions. This synergy ensures streamlined financial operations, enhancing the company’s efficiency in handling payments and bolstering its financial robustness. Additionally, the strategic presence in Cyprus significantly elevates the company’s stature and trustworthiness among financial and business partners.

Furthermore, this carefully designed corporate structure employs an intricate risk management strategy, effectively balancing regulatory and operational risks between the jurisdictions of Curaçao and Cyprus. This strategy affords the company the agility to adapt to changes in regulations, refine tax strategies, and customise services to meet a diverse range of market demands, thereby enhancing its operational resilience and adaptability in the competitive landscape.

Corporate Structure - Curaçao Gaming License

Benefits of a Curaçao Gaming License

A Curaçao Gaming License presents a comprehensive array of advantages, including streamlined access to the market, enhanced operational agility, and increased profitability margins, all framed within a robust and supportive regulatory environment.

For Start-ups

Streamlined Market Entry: Curaçao’s licensing process is relatively quick, allowing new operators to rapidly enter the online gaming market.
Cost-Efficiency: The licensing and operational costs in Curaçao are competitive, making it an attractive jurisdiction for startups with limited budgets.
Comprehensive Gaming Coverage: A single Curaçao license covers a wide range of online gaming activities, eliminating the need for multiple licenses.
Cryptocurrency Acceptance: Curaçao is known for being crypto-friendly, allowing new operators to leverage popular and emerging payment methods.
Global Reach: The license enables operators to offer their services to players worldwide, subject to adherence to local laws.
Regulatory Support: Curaçao provides regulatory guidance to new operators, helping them navigate the complexities of the online gaming landscape.

For Existing Gaming Companies

Brand Credibility: Obtaining a license from a well-established jurisdiction like Curaçao enhances an operator’s reputation for reliability and security.
Operational Expansion: Existing operators can expand their services or enter new markets under the protection of Curaçao’s regulatory framework.
Tax Advantages: Curaçao offers favourable tax conditions, potentially improving profitability for established operators.
Regulatory Flexibility: The Curaçao Gaming Control Board offers a degree of operational flexibility, allowing businesses to adapt to market changes efficiently.
Technical Infrastructure: Curaçao’s requirements for local server hosting can bolster an operator’s technical infrastructure for improved service delivery.
Network and Partnerships: Being part of Curaçao’s licensed gaming community can open up partnership opportunities with software providers, payment processors, and other key industry players.

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