Operators serving Swedish consumers need this licence wherever they are based, in a regulated market where Spelinspektionen publishes its decision target and its processing statistics.
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 directors and a Swedish representative, 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 board members and senior managers and, if the firm has no EEA base, a representative living in Sweden.
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.
Any operator offering gambling to Swedish consumers needs a licence from Spelinspektionen, wherever it is based: online casino, online bingo and computer-simulated games under the commercial online gambling chapter, and betting under the betting chapter. Anyone who manufactures, supplies, installs or modifies gaming software for licensed online gambling needs a gaming software permit, in force since 1 July 2023. Sweden is a regulated point-of-consumption market with a published decision target and published processing statistics.
| Licence or permit | Covers | Application fee | Supervision fee |
|---|---|---|---|
| Commercial online gambling licence | Online casino, online bingo, computer-simulated games and side lotteries | SEK 230,000 | SEK 240,000 a year |
| Betting licence | Betting | SEK 230,000 | SEK 240,000 a year |
| Gaming software permit | Manufacturing, supplying, installing or modifying gaming software for licensed online gambling | SEK 120,000 | SEK 16,500 a year |
Licences run for a fixed period, normally up to five years. Where a renewal application is filed at least four months before expiry, the licence remains valid until the decision.
| Requirement | Amount |
|---|---|
| Minimum share capital | None in the Gambling Act |
| Bank guarantee | None |
| Suitability | Knowledge, experience, organisation and expected compliance |
The Act sets no capital or guarantee; Spelinspektionen assesses the applicant’s organisation and resources under the suitability test, with no fixed financial threshold published.
| Figure | Value | Source |
|---|---|---|
| Statutory decision period | No statutory decision period | Gambling Act (2018:1138) |
| Regulator’s published figure | Target of 6 months from submission; in 2024, 34% of licence applications decided within 1 month, 63% within 2 to 6 months and 3% after 6 months, with 99% of all cases within 6 months | Spelinspektionen annual report 2024 |
| Application preparation | 6 to 8 weeks | From instruction to submission, including banking in parallel |
| Our realistic timeline | 3 to 6 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, commercial online gambling or betting | SEK 230,000 | Per licence; processing begins when paid |
| Application fee, gaming software permit | SEK 120,000 | Per permit |
| Annual supervision fee, licence | SEK 240,000 | Per licence per 12-month fee period, invoiced in advance; pro-rated for shorter periods with a minimum of one-twelfth |
| Annual supervision fee, gaming software permit | SEK 16,500 | Per permit |
| Change notifications | SEK 1,000–SEK 3,000 | SEK 1,000 per natural person; SEK 3,000 per legal person |
| Professional fees | Fixed, in writing | Quoted after scoping |
Gambling tax under the Gambling Tax Act (2018:1139) is 22% of the behållning, the stakes received less payouts on Swedish participation, for each calendar month; the rate was set by SFS 2024:276 with effect from 1 July 2024 and the licence holder is the taxable person. Spelinspektionen’s English page on applications still shows 18%, the rate before July 2024. Corporate tax is assessed separately from gambling tax.
The licence covers gambling directed at Swedish consumers only; EEA companies may offer certain pooled games together with a Swedish licence holder. Operators serving other markets hold the local licence in each, such as the Gambling Commission licence for Great Britain, the MGA licence in Malta or the Tax and Customs Board licence in Estonia; the firm obtains each.
Spelinspektionen publishes what it looks for and what slows an application.
An operator needs acquiring, alternative payment methods and accounts that keep player funds separate from its own, with deposits accepted only from payment service providers under the Payment Services Act. 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 sets no period; Spelinspektionen’s target is a decision within six months of submission. In 2024, 34% of licence applications were decided within a month and 63% within two to six months. The firm plans for three to six months after submission.
SEK 230,000 on application per licence, then SEK 240,000 a year in supervision fees per licence; a gaming software permit costs SEK 120,000 on application and SEK 16,500 a year. Gambling tax is 22% of stakes less payouts.
Yes, unless the licence holder is authorised in a country whose regulator has an agreement with Spelinspektionen, or gives remote access or equivalent control. As of October 2020 agreements existed with the United Kingdom, Gibraltar, Malta and the Netherlands.
No. The application and all supporting documents are in Swedish or translated; the firm prepares the file in Swedish.
No. A licence from another state does not transfer; gambling directed at Swedish consumers needs a Spelinspektionen licence. The firm obtains it alongside the group’s other licences.
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.