Legal casino gambling age in Bermuda
Bermuda, a British Overseas Territory in the North Atlantic with a population of around 64,000 and its own bicameral Parliament (overview), legalised casino gaming in 2014 but, as of October 2026, still has no operating land-based casino. Gambling is governed mainly by the Gaming Act 2014 (originally the Casino Gaming Act 2014), the Betting Act 2021, the Lotteries Act 1944 and the Cruise Ships (Casinos) Act 2013, all administered by the Bermuda Gaming Commission. Bermuda law does not provide a licence for online casinos serving the public. Since 2021 the Gaming Act has made it an offence, subject to licences and narrow exemptions, both to offer gaming services to people in Bermuda by remote communication and to place a wager from Bermuda. In practice the only regularly licensed casino activity is gaming on visiting cruise ships.
Key points
- The Gaming Act 2014 allows up to three casino licences. The St Regis Bermuda Resort, which already held a provisional licence, was granted the first casino licence in October 2022, but it lapsed after the licence fee went unpaid; no casino has ever opened.
- The Bermuda Gaming Commission regulates casinos, betting, lotteries and raffles, cruise ship casinos and Crown and Anchor, and is the anti-money laundering supervisor for licensed gaming.
- Since 1 August 2021, offering a gaming service to people in Bermuda remotely without a licence carries a fine of up to $500,000 and up to five years in prison; making or placing an unlicensed wager is also an offence.
- There are no licensed betting shops: all four betting licences expired on 31 March 2022 and no complete bookmaker application had been received by March 2026.
- Lotteries are prohibited under the Lotteries Act 1944, apart from exempt categories such as small, society and permitted charitable lotteries; Bermuda has no national lottery.
- Bermuda levies no personal income tax, so players’ winnings are not taxed as income. A Problem Gambling Helpline operates on 1-441-232-HELP (4357).
Last reviewed: 8 October 2026.
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Historical development
For most of its modern history Bermuda prohibited casino gaming. Lotteries were restricted by the Lotteries Act 1944, and betting was permitted only through licensed betting shops under the Betting Act 1975. A government Green Paper in 2010 estimated that casino gaming might generate revenue of $84 million to $146 million a year (Bernews, February 2023). In December 2011 the Royal Gazette reported a poll of 400 residents in which 60% supported legalising gambling and 30% opposed it; at that time the government intended to put the question to a national referendum (Royal Gazette, December 2011).
The referendum never took place. In December 2013 the One Bermuda Alliance government decided to proceed through Parliament instead, citing polling that suggested about 70% of Bermudians favoured legalisation. The Casino Gaming Act 2014 was passed by the Senate on 17 December 2014 (Bernews, December 2014). It adopted an integrated resort model, meaning that casinos would be permitted only as part of a large tourist resort, with Singapore cited as the main model. The Act established the regulator under its original name, the Bermuda Casino Gaming Commission.
Implementation proved slow. Casino tax and fee regulations were approved in February 2017; the fee regulations passed only on the Speaker’s casting vote after a 17–17 tie in the House of Assembly (Royal Gazette, February 2017), and the Hamilton Princess received a provisional casino licence in 2017 (Bernews, February 2023). In 2021 the Gaming (Transfer of Functions) Act 2021 renamed the statute the Gaming Act 2014, renamed the regulator the Bermuda Gaming Commission and transferred to it responsibility for betting, lotteries and cruise ship casinos. The Betting Act 2021 replaced the 1975 Act (Government of Bermuda, Ministerial Statement).
Hotelco Bermuda Holding, owner of the St Regis Bermuda Resort in St George’s, held a provisional casino licence by 2021 (Ministerial Statement). On 7 October 2022 the Commission granted it Bermuda’s first casino licence, conditional on meeting the remaining legal requirements before opening (Bernews, October 2022), almost nine years after Parliament first approved gaming in principle (CasinoBeats, October 2022).
Legal framework
Bermuda legislates for itself; the Great Britain Gambling Act 2005 does not apply.
Gaming Act 2014
The Gaming Act 2014 is the core statute. In its main provisions (Casino Gaming Act 2014, annual text), it:
- permits not more than three casino licences in force at any one time (section 28) and up to three provisional licences (section 32B);
- requires a casino to be on a site designated by the Minister on the Commission’s advice (section 4). An “integrated resort” is defined as a development with hotel, retail, dining and entertainment facilities, or an existing tourist resort with at least 200 rooms;
- establishes the Commission (section 6) as a five-member body chaired by a barrister with at least five years’ post-qualification experience (section 7), with objects including the honest conduct of gaming and protection of minors and vulnerable persons (section 8);
- as enacted, made operating a casino without a licence punishable by a fine of up to $500,000 plus an order to pay the gross gaming revenue earned (section 31, repealed in 2021 and replaced by the general offence in section 167B), and allows disciplinary penalties of up to 10% of annual gross gaming revenue for a serious breach (section 47);
- bars minors from gaming areas (Part 7), sets up exclusion orders (Part 6, Chapter 4), a casino tax (Part 9) and a Problem Gaming Council (Part 10).
Gross gaming revenue (GGR) means the amount wagered by players less the winnings paid out; it is the base for casino tax. The Act also defines eGaming as betting or wagering on games by remote communication, but section 29 permits it only within “eGaming zones” inside a licensed casino site. This is not a licence for internet gambling offered to the public at large.
The Act has been amended several times: in 2015, 2016, 2017, 2019, 2021 and 2023 (consolidated text on Bermuda Laws Online). The 2021 amendments, made by the Gaming (Transfer of Functions) Act 2021 and in force from 1 August 2021, inserted general prohibitions on unlicensed wagering and gaming services, discussed below.
Other statutes
- Betting Act 2021: licenses bookmakers, restricted bookmakers (fixed-odds betting on football or cricket) and pool betting agents at specified premises. It defines a minor as a person under 18 and bars minors from betting premises and from betting remotely. Unlicensed bookmaking is punishable by a fine of up to $10,000, six months’ imprisonment, or both (section 5).
- Lotteries Act 1944: prohibits promoting or conducting lotteries, and printing, importing, selling or advertising tickets, including for lotteries promoted abroad. Exemptions cover small lotteries at bazaars and fetes, society and hotel lotteries, private lotteries and charitable lotteries under a Commission permit. The penalty is up to six months’ imprisonment, a fine of $3,360, or both (section 10).
- Cruise Ships (Casinos) Act 2013: allows casinos on licensed cruise ships berthed overnight at designated ports, normally between 9 pm and 5 am, for passengers only.
Regulator and licensing model
Bermuda operates a restricted licensing model: a small number of licences may be granted, each tied to specific premises, rather than either a state monopoly or an open market. The Bermuda Gaming Commission (BGC) is the single regulator for casinos, betting, cruise ship casinos, lotteries and raffles, and Crown and Anchor, the traditional dice game played at Cup Match (Ministerial Statement). Betting duty remains with the Tax Commissioner. Since the Gaming Amendment Act 2023 the Minister of Finance has been the minister responsible for the Commission (Government of Bermuda, March 2023).
According to the Royal Gazette, in March 2026 the BGC had five full-time staff, received an annual public grant of $800,000 and earned about $835,000 a year, almost all of it ($830,000) from cruise ship casino licence fees. It had received no new casino licence application for five years and no completed bookmaker application since August 2021 (Royal Gazette, March 2026). Press coverage in June 2024, including comments by the Shadow Finance Minister, put the Commission’s cost to taxpayers since its formation at more than $16 million (Royal Gazette, June 2024).
Licence types and fees
- Casino licences (maximum three) and provisional casino licences, which reserve a place for a resort project before it is ready. The 2017 fee schedule set a $600,000 application fee, a $1.4 million provisional licence issue fee, a $1 million licence issue fee and a $1 million annual fee (Royal Gazette, February 2017). The schedule was later revised: the issue fee owed by the St Regis licensee in 2022 was reported as $600,000 (Royal Gazette, October 2024).
- Betting licences under the Betting Act 2021. None is in force: all four licences, covering five shops, expired on 31 March 2022 when no complete renewal application had been received (Bernews, April 2022).
- Cruise ship casino licences, issued per ship. Ships with capacity of 2,000 passengers or fewer pay no fee. For larger ships making 15 or more voyages to Bermuda the fee, for a licence valid for 12 months, ranges from $75,000 to $180,000 by passenger class; ships making 14 or fewer voyages pay $5,000 to $12,000 for a single-voyage licence (Cruise Ships (Casinos) Act 2013, Schedule 2).
- Lottery permits for charitable and business lotteries, and Crown and Anchor permits.
The Commission is also the supervisor of licensed gaming for anti-money laundering and anti-terrorist financing (AML/ATF) purposes under section 9 of the Act. When Parliament in 2023 gave it power to vary operators’ obligations, the power was made subject to AML/ATF and responsible gaming requirements (Royal Gazette, March 2023).
Online gambling and enforcement
No licence is available under Bermuda law for an online casino, online sportsbook or online lottery serving the public. The only remote gaming contemplated by the Gaming Act is eGaming within designated zones of a licensed casino site, and no casino has opened.
The general prohibitions added in 2021 apply expressly to online activity. Under the Gaming (Transfer of Functions) Act 2021, which inserted new sections into the Gaming Act:
- Section 167B makes it an offence to offer or provide a gaming service in Bermuda, or from outside Bermuda to persons in Bermuda by remote communication, without a licence or approval. The maximum penalty on summary conviction is a fine of $500,000, five years’ imprisonment, or both, and the court must also order payment of an amount equal to the offender’s gross gaming revenue for the period of the offence.
- Section 167A makes it an offence to offer, make, place, receive or accept a wager “whether in person or by use of remote communication”, both for persons in Bermuda and for persons outside Bermuda dealing with persons in Bermuda. The maximum penalty on summary conviction is a fine of 100,000 (the dollar sign is omitted in the printed text), two years’ imprisonment, or both. Conduct under a licence or approval, and exempt conduct, is excluded.
- Sections 179A and 179B exempt purely private wagers that are not part of a business, are made without pressure and are proportionate to the parties’ means, together with any further circumstances prescribed by the Minister or declared by the Commission for up to three days.
Offshore online casinos serving Bermuda residents are therefore unlicensed and unlawful under Bermuda law, whatever licence they hold elsewhere. No published source was found during this review showing that Bermuda uses ISP blocking (orders requiring internet providers to block websites), payment blocking or a blacklist of gambling domains, and no reported prosecution of an offshore online operator was found. The Commission’s own help page advises residents to use the responsible gambling tools of online platforms and to consider installing gambling-blocking software (Bermuda Gaming Commission, Help).
Minutes released in 2023 showed that KPMG had been asked to report on two government initiatives, online gaming and the facilitation of casino gaming, and that the Commission would help develop policy if legislation were amended; no details were made public (Royal Gazette, August 2023). As of October 2026 no bill to license online gambling had been found. The specific rules on gambling advertising could not be verified for this guide; the Lotteries Act separately prohibits advertising of non-exempt lotteries.
Position of players
On the face of the statute, a person in Bermuda who places a real-money wager with an unlicensed operator, including an online casino, commits an offence under section 167A of the Gaming Act 2014, with a maximum penalty of a $100,000 fine, two years’ imprisonment, or both (Gaming (Transfer of Functions) Act 2021). The exemptions for private wagers do not cover commercial online gambling. Bermuda is therefore among the jurisdictions where the player, and not only the operator, is exposed under the law.
This review found no reported prosecution or fine of an individual player for online gambling in Bermuda, and no published enforcement policy on players.
Lawful options are very limited: there is no land-based casino and no licensed betting shop. Cruise ship casinos are open only to passengers of the ship (Cruise Ships (Casinos) Act 2013, section 11). Permitted raffles, charitable lotteries and Crown and Anchor remain available. The minimum age for casino gaming is 18 (Bernews, December 2014), and the Betting Act also sets 18 as the threshold.
Taxation
Casino tax is charged on gross gaming revenue under Part 9 of the Gaming Act. According to the Royal Gazette, the 2017 casino tax and fee regulations provide for a 10% tax rate; the regulation text itself could not be checked for this guide (Royal Gazette, February 2017). Since 2021 the Commission may collect the fees of the sectors transferred to it, which include cruise ship casino licences, but betting duty on any licensed bookmaker is administered by the Tax Commissioner (Ministerial Statement).
For players, Bermuda does not impose a personal income tax or capital gains tax; the main tax on earnings is payroll tax, levied on employers and the self-employed on remuneration (KPMG, Taxation of International Executives: Bermuda). Gambling winnings are therefore not taxed.
Consumer protection and responsible gambling
The Gaming Act builds in several safeguards, although most apply to casinos that do not yet exist:
- Exclusion orders: individuals may self-exclude from casino premises, and compulsory exclusion orders may also be made. Operators must bar excluded persons and keep a list of them.
- Family exclusion: the Problem Gaming Council may make family exclusion orders under section 150.
- Minors: under-18s may not enter gaming areas, betting premises or bet remotely, and operators may demand proof of age.
The Problem Gaming Council, established under section 147 of the Act, still existed in March 2026 (Royal Gazette, March 2026). In March 2023, to mark Problem Gambling Awareness Month, it launched Bermuda’s first Problem Gambling Helpline, 1-441-232-HELP (4357), which offers information, anonymous calls with a trained counsellor and referral to local counsellors (Bernews, March 2023; Royal Gazette, March 2023). The Council has said that about 2% of residents report a lifetime gambling problem. The Commission’s help page also lists the Mid-Atlantic Wellness Institute 24-hour crisis line, 1-441-239-1111 (BGC, Help).
There is no national, multi-operator self-exclusion register covering online gambling, since no online operators are licensed. General guidance is available in our responsible gambling guide.
Recent and upcoming developments
- Gaming Amendment Act 2023. Tabled on 13 March 2023 and passed by the House of Assembly on 24 March 2023, it made the Minister of Finance responsible for gaming and allowed the Commission to vary obligations for smaller, “amenity-style” casinos. The Premier, David Burt, had called the integrated resort model “a flaw in the inherited regime” (Government of Bermuda; Bernews; Royal Gazette).
- Hamilton Princess. Century Casinos withdrew from the planned casino in January 2023. The hotel has since said it is “no longer pursuing a casino” (Royal Gazette, August 2023; Royal Gazette, October 2024).
- St Regis licence lapsed. In October 2024 a co-owner said a casino had been “fully in place” by mid-2022, but local banks declined to handle gaming proceeds. The $600,000 casino licence issue fee, discussed at a Commission meeting in February 2023, was not paid; the Commission’s legal director advised in a written report that the licence was deemed in law to have lapsed, and its chief executive confirmed that position (Royal Gazette, October 2024).
- Banking. In June 2024 the government said the Banks and Deposit Companies Act would be amended so that banks could deal with Commission-registered businesses (Royal Gazette, June 2024; Royal Gazette, July 2024). In March 2026 the Premier told the House that talks with the US Office of the Comptroller of the Currency had resolved the correspondent banking impasse, but that the sector lacked the volume the private sector was willing to support (Royal Gazette, 14 March 2026). Asked later how the issue had been resolved, the Commission said it had “no information regarding correspondent banking to provide” (Royal Gazette, 30 March 2026).
- Political dispute (2026). The Opposition asked whether gaming policy had “failed”, and the Shadow Finance Minister called for the Commission to be closed. The Premier said the Fairmont Southampton holds a designated site order, not a casino licence, while a spokesman for its owners said the redevelopment has no room for a casino. The Commission said the designation runs to April 2027 but would not say whether an extension had been sought, or whether new gaming legislation was being drafted (Royal Gazette; Royal Gazette).
- AML risk. In September 2026 the Financial Action Task Force published new risk indicators for gaming and gambling, including illegal offshore online operators, and, in the Royal Gazette’s words, “alerted Bermuda and other countries” to them (Royal Gazette, September 2026).
Casino listings for players in Bermuda
The listings below are generated automatically from our casino database. They do not show that an operator is licensed in Bermuda: no online casino is licensed there, and offering gaming services to people in Bermuda remotely without a licence is an offence under the Gaming Act 2014, as is placing an unlicensed wager. The listings must not be read as an indication that playing is lawful. Information on the regulator is available from the Bermuda Gaming Commission.
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Sources and further reading
- Government of Bermuda, Bermuda Laws Online, Gaming Act 2014 (consolidated) (accessed 8 October 2026).
- Government of Bermuda, Bermuda Laws Online, Casino Gaming Act 2014 (annual law) (2014).
- Government of Bermuda, Bermuda Laws Online, Gaming (Transfer of Functions) Act 2021 (2021).
- Government of Bermuda, Bermuda Laws Online, Betting Act 2021 (consolidated) (accessed 8 October 2026).
- Government of Bermuda, Bermuda Laws Online, Lotteries Act 1944 (consolidated) (accessed 8 October 2026).
- Government of Bermuda, Bermuda Laws Online, Cruise Ships (Casinos) Act 2013 (consolidated) (accessed 8 October 2026).
- Government of Bermuda, Ministerial Statement: Update on Gaming (2021).
- Government of Bermuda, Gaming Act Amendments (13 March 2023).
- Bermuda Gaming Commission, Help (accessed 8 October 2026).
- Bernews, Casino Gaming Act 2014 Passes In The Senate (17 December 2014).
- Bernews, Casino Licence Granted To St Regis Resort (October 2022).
- Bernews, Betting Licences Expired As Of March 31st (1 April 2022).
- Bernews, Premier Burt: Gaming “Law Must Be Amended” (18 February 2023).
- Bernews, March Is Problem Gambling Awareness Month (1 March 2023).
- Jones, S. and Johnston-Barnes, O., The Royal Gazette, MPs attack “too high” casino fees (4 February 2017).
- The Royal Gazette, MPs pass gaming legislation after heated debate (25 March 2023).
- Strangeways, S., The Royal Gazette, Secrecy still surrounds casino plans (11 August 2023).
- Strangeways, S., The Royal Gazette, Why “fully in place” casino at St Regis never opened (1 October 2024).
- The Royal Gazette, Regulator’s reports show efforts to solve casino banking issue (5 July 2024).
- The Royal Gazette, Premier, Opposition leader square off on gaming sector (14 March 2026).
- Strangeways, S., The Royal Gazette, Gaming commission has ample work, say chair and CEO (30 March 2026).
- Fox, D., The Royal Gazette, FATF warns of new risks in gaming and gambling (22 September 2026).
- KPMG, Taxation of International Executives: Bermuda (2023).
