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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 and cryptoasset 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 to decision.
Acquiring and payment processing in place alongside the application, so you take deposits from launch.
We assemble your team: directors and a Swedish representative.
The licence, the requirements, the cost and the timing for your business.
You will need board members and senior managers and, if you have no EEA base, a representative living in Sweden.
One programme, from scoping to launch. Speak to an expert about this licence.
Requirements, capital, timing, fees and common questions, drawn 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 | Our own figure, from the regulator’s published data and our applications |
Regulator figures are quoted as published and converted to months. Our realistic timeline assumes 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 to SEK 3,000 | SEK 1,000 per natural person; SEK 3,000 per legal person |
| Professional fees | Fixed | 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; we obtain 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. We open acquiring and player-funds accounts alongside the application. 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. We plan 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; we prepare the file in Swedish.
No. A licence from another state does not transfer; gambling directed at Swedish consumers needs a Spelinspektionen licence. We obtain it alongside your 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 builds licensed payment, e-money, crypto and stablecoin businesses: the licence, the team, the technology, the bank accounts and card issuing.
This guide is general information, not legal advice. Requirements and fees change, and the regulator’s own publications take precedence.
The licence, your team, banking and technology, delivered as one programme.