Established B2C and B2B operators base themselves in Gibraltar for a low duty rate, a new statute in force from April 2026 and a licence anchored in real presence on the Rock.
Selected engagements from more than 250 licences obtained since 2013, for payment, e-money, cryptoasset and consumer credit firms.
Volkswagen
Payment InstitutionObtained Nexpay’s FCA Authorised Payment Institution licence.
Electronic Money InstitutionObtained Dzing Finance’s FCA Authorised Electronic Money Institution licence.
Obtained Orbital’s FCA Authorised Payment Institution licence.
Our realistic timeline from submission, set against the regulator’s own published figures.
Acquiring and payment processing arranged alongside the application, so you take deposits from go-live.
Candidates introduced for the senior managers for each regulated role, each assessed against the regulator’s standard.
A reply within three business hours and a written proposal the same day: the licence, the requirements, the cost and the timing.
You will need senior managers for each regulated role the Act lists, each approved by the Gambling Commissioner as fit and proper before they start.
One engagement and one timetable, from scoping to launch. Speak to an expert about the people, the banking and the technology for this licence.
The regulator’s requirements, capital, timing, fees and the questions firms ask, from the regulator’s own publications.
A B2C gambling business managed or controlled in or from Gibraltar, a B2B business operating in or from Gibraltar or supplying a Gibraltar entity, a business conducting gambling marketing in or from Gibraltar, and a company holding more than 25% of a relevant company (one providing gambling facilities outside Gibraltar that would need a licence if operating there) each need a licence under the 2025 Act. Remote gambling is in or from Gibraltar where the remote gambling equipment is situated there or a person operates from there, and a company with its head office abroad is treated as operating from Gibraltar where day-to-day management is run by a Gibraltar establishment. Operating without a licence carries up to six months’ imprisonment on summary conviction and up to two years on indictment. Licence holders under the 2005 Act are deemed licensed under the new Act; businesses newly in scope notify and apply during the transition.
| Licence | Covers | Application fee |
|---|---|---|
| B2C gambling operator | Remote or non-remote B2C betting, gaming or lottery; betting exchange, intermediary or agent | £30,000 betting or gaming; £20,000 lottery; £15,000 intermediary or agent |
| B2B gambling operator | B2B remote gambling: gaming aggregator, platform supplier, direct integration, contracted-out fraud, CDD, ID verification and CRM services | £20,000 aggregator or platform; £10,000 direct integration; £8,000 contracted-out services |
| Gambling operator support services | Marketing and affiliate services, holding customer funds, relevant company ownership | £8,000 |
| Requirement | Amount |
|---|---|
| Minimum share capital | None fixed in the Act or Regulations |
| Bank guarantee | None fixed |
| Threshold conditions | Schedule 2, assessed on application |
The 2025 Act sets no fixed capital or guarantee. The Authority assesses the business against the threshold conditions and the substantive presence factors, with no fixed financial threshold published.
| Figure | Value | Source |
|---|---|---|
| Statutory decision period | No fixed period; applications are determined as soon as reasonably practicable after a complete application is received | Gambling Act 2025, section 49(1) |
| Regulator’s published figure | 30 days, about 1 to 1.5 months, excluding public and bank holidays, for each regulated individual approval, subject to stops and extensions | Gambling Act 2025, section 69 |
| Application preparation | 6 to 8 weeks | From instruction to submission, including banking in parallel |
| Our realistic timeline | 3 to 5 months after submission | The firm’s own figure, from the regulator’s published data and its own applications |
Figures published by the regulator are quoted as published and converted to months. The realistic timeline is the firm’s own, for a complete, well-prepared application.
| Item | Amount | Notes |
|---|---|---|
| Application fee, B2C betting or gaming operator | £30,000 | Non-refundable; payable on submission; application not made until paid |
| Application fee, B2B gaming aggregator or platform supplier | £20,000 | Direct integration £10,000; contracted-out services £8,000 each |
| Application fee, support services | £8,000 | Marketing and affiliate, holding customer funds, relevant company ownership |
| Annual fee, B2C betting or gaming | £50,000–£200,000 | Under £20 million gross yield £50,000; £20 million to £300 million £100,000; over £300 million £200,000; betting and gaming fees add together |
| Annual fee, B2B | £85,000 | Aggregator or platform supplier, one vertical, plus £15,000 per additional vertical; direct integration £85,000, £50,000 or £20,000 by tier; contracted-out services £50,000 each |
| Annual fee, support services | £5,000–£50,000 | Marketing and affiliate £50,000 (£25,000 below £200,000 annual sales); holding customer funds £50,000; relevant company ownership £5,000 |
| Change of control | £3,000 | Base fee, up to £30,000 in total |
| Professional fees | Fixed, in writing | Quoted after scoping |
General betting duty is 0.15% of gross betting profit and general gaming duty 0.15% of gross gaming profit, with the first £100,000 of each exempt. Betting intermediary and agent duty is 0.15% of gross intermediary profit with no exemption. Duty is paid quarterly on 1 April, 1 July, 1 October and 1 January; returns are due by the 15th of the month after each quarter with payment by the month end, and nil returns are required. Only chargebacks are deductible; bonuses, free bets and marketing costs are not. The licensing year runs from 1 April to 31 March, annual fees fall due on 1 April and are payable by 30 April, and part-year licences are apportioned from the start of the calendar quarter. Corporate tax is assessed separately from gambling duty.
The licence authorises gambling in or from Gibraltar and confers no rights in other jurisdictions; B2C scope is defined by management and control in or from Gibraltar. Gibraltar is one of the four jurisdictions whose regulators held an agreement with Spelinspektionen allowing a gaming system outside Sweden, and operators serving Great Britain hold a Gambling Commission licence alongside. The firm obtains each licence in the group’s structure.
The Act sets out what the Licensing Authority looks for.
An operator needs acquiring, alternative payment methods and accounts for customer funds; under the 2025 Act, holding customer funds is itself a licensed activity unless carried on by a licensed credit institution. The firm arranges acquiring and player-funds accounts through institutions that accept the sector, during the application, with the compliance framework prepared to their standard. See banking and payment processing.
The Act replaced the Gambling Act 2005 on 1 April 2026 with a six-month transition. Existing licence holders are deemed licensed under it; marketing businesses, holders of customer funds and owners of more than 25% of a relevant company are newly in scope and apply during the transition.
£30,000 on application for a betting or gaming operator, then £50,000 a year below £20 million of gross yield, £100,000 up to £300 million and £200,000 above, with betting and gaming fees added together where both are held.
The Act sets no fixed period: applications are determined as soon as reasonably practicable after a complete application, and the Division publishes no processing statistics. The firm plans for three to five months after submission.
The Authority weighs the remote gambling equipment located in Gibraltar, the jobs created and maintained there, the tax revenue accruing to the Government and any other relevant factor; the Minister may modify the factors by regulation.
0.15% of gross betting profit and 0.15% of gross gaming profit, with the first £100,000 of each exempt, paid quarterly; only chargebacks are deductible.
A regulatory advisory firm to payment, e-money and cryptoasset companies since 2013, with more than 250 licences obtained in more than 60 countries. The firm advises on authorisation, compliance, safeguarding, banking and transactions, and builds the white-label payment and card technology its clients launch on.
A written proposal on cost, timing and requirements, the same day: speak to an expert.
This guide is general information for firms considering authorisation and is reviewed against the regulator’s published requirements. It is not legal advice; requirements and fees change, and the regulator’s current publications take precedence.
The requirements, the cost and the timing for your business, in a written proposal the same day.