Veikkaus Oy
veikkaus.fi
🇫🇮For operators · Tax, marketing & compliance
Finland gambling market for operators: state monopoly
Finland's online gambling monopoly is ending. A new licensing system for private operators in online casino and betting will launch on July 1, 2027. The legislative framework was formally enacted in Q1 2026, launching the structural transition period for operators to prepare compliance profiles.
Lottery tax22%Application fee€29,000Licence termUp to 5 yrsDecision time6 monthsAnnual GGR1.84B EURActive licensees~1
Product by product
A company from outside the EEA needs a Finnish branch (Enterprise Act 565/2023 s. 3(1)(2)); an applicant with no domicile or establishment in an EEA state must appoint an EEA-domiciled representative (s. 12), and the company, its board, managers and 25% owners must pass the reliability and suitability test.| Product | Status | Licensed by | Tax | Key restriction | Advertising |
|---|---|---|---|---|---|
| Sports betting | Licensable | Gambling licence (Poliisihallitus now, Lupa- ja valvontavirasto from 1 July 2027) | 22% lottery tax from 1 July 2027 | No betting on under-18 competitions, elections, financial markets, rule breaches or the exclusive-right games | Closed list of channels; any marketing not on the list is prohibited |
| Online casino games | Licensable | Gambling licence | As for Sports betting | Registered, identified play only; stake, winnings and speed limits can be set by decree | As for Sports betting |
| Online slots | Licensable | Gambling licence | As for Sports betting | Electronic slot games only; land-based slot machines are an exclusive right | As for Sports betting |
| Online poker | Licensable | Gambling licence | As for Sports betting | The decree power to set loss limits expressly excludes poker | As for Sports betting |
| Lotteries and pools | State monopoly | Exclusive licence, held only by a State-controlled company | 22% lottery tax from 1 July 2027 (12% until then) | Not available to a gambling licence; an exclusive-right holder cannot also hold a gambling licence | The exclusive-right holder may advertise its pools and lotteries outdoors |
| Prediction markets | Limited | Gambling licence, as betting | As for Sports betting | Betting on elections and on financial markets is prohibited, which removes the two subjects most prediction markets cover | As for Sports betting |
Coming up1 Jul 2027Gambling Act generally in force
When can a licensed operator start taking Finnish players?
The Gambling Act generally takes effect on 1 July 2027, when the competitive market opens and Lupa- ja valvontavirasto takes over as the competent authority. The licence chapter has applied since 1 March 2026, so gambling-licence applications are already accepted and can be processed before the market opens. Lottery tax of 22% starts on the same day; until then the exclusive-right holder pays 12%. Software licence applications open in July 2027, and the duty to use only licensed software applies from 1 July 2028.
Gambling Act s. 106, entry into force ↗Poliisihallitus: licences under the Gambling Act ↗Lottery Tax Act amendment 14/2026 ↗
Regulator and player protection in Finland
Regulator
Application authority and enforcement body
Self-exclusion scheme
Veikkaus Self-Exclusion (Peluuri helpline)
How players exclude themselves; what it covers is in the player guide
Mandatory RG controls
deposit limits
Deposit limits or reality checks the law requires operators to offer
Heads-up for operators
7 items · last change 2 Nov 2026
Technical form of delivery for game account transactions under the Gambling Act
Licence holders would have to submit player account transaction data to the supervisory authority in a specified technical format.
Source: 1Not yet in our report
Applications for gambling and exclusive-right licences have been open since 1 March 2026, but the market itself does not open until 1 July 2027. Section 106 of the Gambling Act commences the licence and supervision chapters on 1 March 2026 and the rest on 1 July 2027; Poliisihallitus handles applications until 30 June 2027, after which Lupa- ja valvontavirasto takes over. Gaming-software (B2B) licences cannot be applied for until July 2027, and the duty to use only licensed software bites from 1 July 2028. Secondary regulation is still to come, including a government power to set centrally mandated upper loss limits by decree. A government bill given to Parliament on 8 October 2026 (HE 225/2026 vp) would let someone other than the buyer redeem a scratch-card prize without registering, once their age (18 or over) is verified: under a temporary Lotteries Act s. 14 amendment until 30 June 2027, and under an amended Gambling Act s. 28 from 1 July 2027. It is not yet law. Two draft Poliisihallitus technical regulations under Gambling Act s. 45 were notified to the European Commission (10 July 2026, TRIS 2026/0356/FI and 2026/0357/FI): licensees would have game and account data signed by the authority’s electronic signing service (OCSS), game events at least every five minutes, and make the data available in a data vault they run, which the authority normally reads over SFTP, within at most two weeks of the event. Both are drafted to enter into force on 1 July 2027 and are not yet adopted.
Scratch-card prizes claimable by someone other than the buyer (HE 225/2026)
A government bill (HE 225/2026 vp) would let someone other than the buyer claim a scratch-card prize once the operator verifies they are at least 18, with no registration or identification; the buyer must still be an identified registered player. The Lotteries Act change would be temporary, until 30 Jun 2027, and the Gambling Act s. 28 change would apply from 1 Jul 2027. It is not law yet.
Source: 2Checked 13 Oct 2026Not yet in our report
Show all 7Show fewer
Draft electronic certificate for game and account data (TRIS 2026/0356/FI)
The Finnish Police Board has notified a draft regulation requiring licence holders to have game and account transaction data signed through the authority's electronic signing service so it stays unaltered. Licensees would send a SHA-256 hash of game-event data at least every five minutes. It would apply from 1 Jul 2027 and is not law yet.
Source: 3Checked 14 Oct 2026
Draft rules for delivering game and account data to the regulator (TRIS 2026/0357/FI)
The Finnish Police Board has notified a draft regulation under which each licensee keeps a data vault from which the authority retrieves game-event and account-transaction data over SFTP, delivered at most two weeks after the event ends, with the vault available at least 98% of each month. It would apply from 1 Jul 2027 and is not law yet.
Source: 4Checked 14 Oct 2026
Mandatory B2B Software Licensing Takes Effect
All B2C licensed operators will be required to use only software and platforms from suppliers holding a Finnish B2B licence.
Source: 5
New Licensed Market Opens & New Regulator Takes Over
The competitive online market for betting and casino games officially launches. All licensing and supervision duties transfer to the new Finnish Supervisory Agency.
Source: 6
Not yet in force: drafts, laws adopted without a start date, and sections of the law still to be commenced. An item moves to the timeline below on the day it takes effect.
Getting licensed: applications before the market opens
- Licence term: Up to 5 yrs. Gambling licence; shorter if you ask or the activity is short-term ↗
The licence, its cost and the steps are in the licence guide
4 licence types: Gambling Licence (Online B2C); Gambling Software Licence (Online B2B); Exclusive Rights (Veikkaus Oy); and others. Year-1 budget ~€100k–€500k+. Fees, requirements, documents, certification and the step-by-step route are set out there.Read the licence guide
Gambling tax: 22% GGR from 1 July 2027 (12% today on exclusive-right games)
- Lottery tax: 22%. From 1 July 2027, on licensed games; the exclusive holder pays 12% until then ↗
The headline operator levy is 22% GGR from 1 July 2027 (12% today on exclusive-right games).
Detail
From July 1, 2027, a 22% tax on Gross Gaming Revenue (GGR) will apply to all licensed online casino and betting operators, including Veikkaus. This is supplemented by a one-time €29,000 licence application fee and, from 1 July 2027, an annual supervision fee banded on GGR (s. 70), from €4,000 (under €100k) to €434,000 (€50m and above).
Finland's gambling tax next to neighbours and nearby markets
Each bar is the headline operator tax as that country's own page states it, for Finland, its neighbour and the nearest other markets (marked “nearby”) that tax gross gaming revenue or sports-betting stakes. Hover or tap a bar to see what it is made of; a tax on stakes is drawn at its weight against revenue.
Which foreign licences Finland accepts
Finland recognises none of these 8 foreign licences.
BlockedNot recognised
Malta (MGA)
MGA-licensed operators are a primary target for enforcement, including payment blocking, and cannot legally advertise in Finland.
United Kingdom (UKGC)
UKGC-licensed operators are subject to marketing prohibitions and payment blocking.
Curaçao (CGB)
Curaçao-licensed operators are considered illegal and are subject to enforcement actions including payment blocking.
Alderney (AGCC) · Kahnawake (KGC) · Isle of Man (GSC) · Gibraltar (GRA)
Operators are subject to marketing prohibitions and payment blocking.
Anjouan (AGB)
Considered a high-risk, unregulated jurisdiction.
Bonus rules: welcome bonuses banned
Inducement ads: Channel-restricted
The new Finnish Gambling Act, effective July 2027, establishes a strict, consumer-protection-oriented framework for bonuses and advertising. The regulations aim to limit promotional inducements and shift the market's competitive focus towards brand and product quality.
What the player can claim
- Welcome bonus
- Banned
- VIP schemes
- Banned
- Loyalty schemes
- Banned
- Cashback
- Restricted
- Wagering cap
- max 5×
From 1 July 2027 welcome bonuses are not allowed. The 5x wagering cap applies to the PERMITTED retention bonus: 'moderate bonus play money' during an established customer relationship, on equal terms to all customers, that cannot be exchanged directly for cash (s. 26), NOT to welcome offers.
What the operator can advertise
- Channels off-limits
- Affiliate marketing
- Influencer marketing
- Telemarketing
- Direct marketing without explicit, opt-in consent
- Marketing targeting minors or vulnerable groups
- Sponsorships of events or individuals targeting under-18s
- Messages ads may not give
- Phrases portraying gambling as a solution to financial or social problems
- Phrases that normalise excessive play
- free games
- discounted play
- Mandatory disclaimer
All advertising must clearly display the age limit 'K-18' and provide information on responsible gambling tools and support services.
- Placement rule
- Disclaimers must be clearly visible in all marketing materials.
- Penalties
The new Licensing and Supervisory Authority can issue fines, with recent enforcement by the National Police Board demonstrating penalties in the multi-million EUR range.
The regulator will have the power to revoke licenses for violations.
Recent advertising-violation cases
| Date | Operator | Violation | Penalty | Source |
|---|---|---|---|---|
| November 2024 | Veikkaus Oy (Veikkaus) | Placing advertisements in television programming attractive to or aimed at minors. | €2.9 million | Gambling Insider |
| September 2025 | Social Media Influencers | Illegal affiliate marketing of offshore gambling sites on platforms like Twitch and YouTube. | Up to €33,000 | Tribuna.com |
| May 2023 | BML Group Ltd (Betsson AB) | Extensively and illegally targeting mainland Finland with advertising, leading to placement on the payment blocking list. | €2.4 million | iGaming Business |
| October 2025 | Veikkaus Oy (Veikkaus) | Potentially illegal paid social media promotions on Meta platforms. | Investigation launched | iGaming Today |
Advertising: limited
Finland's licensed market, effective in 2027, imposes strict advertising rules that distinguish between brand and product promotion. Operators may market their brand identity but are forbidden from advertising specific games or betting odds. This core principle applies equally to both Online Sportsbook and Online Casino verticals, with no significant divergence in regulations for brand-level marketing.
| Channel | Status | Vertical & Platform Split (2026) |
|---|---|---|
| Google Search Ads | Licensed operators only | From 1 July 2027 search-engine marketing is allowed only where the search term is a word directly connected to the licensee or a game it runs (Gambling Act s. 51(3)). Advertisers must obtain Google’s country-specific gambling certification and comply with the March 2026 “Good Policy Health” update, which requires domain ownership and a history of compliance.91011 |
| App Store Publishing | Allowed | Licensed operators can publish real-money gambling apps on both the Apple App Store and Google Play Store. Apps must be geo-restricted to Finland and the publisher must hold a valid Finnish licence, with Google Play expected to allow casino, sports, and lottery apps.121314 |
| Google/Apple App Store Ads | Restricted | From 1 July 2027 the Act’s closed channel list (s. 51(3)) names no app-store channel: search marketing is allowed only on a term tied to the licensee or its game, and display and programmatic networks are not on the list and are prohibited (s. 51(7)). The Act does not say whether app-store search ads count as a search engine.151617 |
| Meta (FB/IG) | Restricted | From 1 July 2027 a licensee may market only on its own social media accounts, and not interactively (Gambling Act s. 51(3)); paid social advertising beyond its own accounts, and influencer marketing, is not on the list and is prohibited (s. 51(7)). Meta's own policy separately requires its prior written permission.1819 |
| TV & Radio | Restricted | From 1 July 2027 broadcast advertising is permitted for licensed operators (s. 51(3)(2)), but content must be “moderate and responsible,” focusing on the brand rather than specific products. All TV and radio ads must include an 18+ age limit and responsible gambling information.2021 |
| Sponsorships | Restricted | From 1 July 2027 sponsorships are restricted to brand visibility (s. 56), allowing logo display but prohibiting the promotion of individual games or products. All agreements involving individuals, teams, or events aimed at minors are strictly forbidden.2223 |
| Digital OOH | Restricted | From 1 July 2027 a licensee may advertise itself out of home, subject to location-based restrictions (s. 51(4)), including a ban near schools and healthcare facilities. All content must be moderate and focus on the operator's brand, not specific gambling products.2425 |
Channel rules for Finland reflect each platform's published policy and the sources numbered in each row (listed under Methodology & sources). Verify with the local regulator and your ad-platform account manager before launching.
How Finland enforces against unlicensed operators
The Finnish regulator, the National Police Board, has become highly aggressive in its enforcement against unlicensed operators. This is not a passive 'grey' market; enforcement is active, public, and has significant financial consequences through payment blocking and substantial fines.
- February 2024: BML Group Ltd (Betsson) became the first major operator placed on the national payment blacklist, requiring all Finnish financial institutions to block transactions to its brands.
- May 2023: BML Group Ltd was issued a conditional fine of €2.4 million for extensive and illegal marketing to mainland Finland.
- November 2024: The regulator's prohibition orders against social media influencers promoting unlicensed gambling were upheld in administrative court, confirming a broad crackdown on illegal marketing channels.
Enforcement cases in Finland: 5 recent
Material regulator actions, court rulings, and high-profile fines from 2016–2026 against operators serving Finland. Each entry includes the technical failure and a one-line read-across for other operators in the market.
- September 2025
Social Media Influencers
AdvertisingInjunctionMultiple influencers were ordered to cease promoting unlicensed gambling operators to Finnish consumers, with conditional fines of €30,000 issued.
Read-across: This crackdown on affiliate and influencer marketing signals the regulator's intent to close all channels for illegal advertising, including individual promoters on social media platforms.
- November 2024
Veikkaus
AdvertisingWarningThe state-owned monopoly operator placed advertisements in television programming watched by minors, breaching the Lotteries Act.
Read-across: This action against the state monopoly itself underscores that advertising rules are strictly enforced for all entities, setting a clear precedent for the upcoming licensed market.
- February 2024
BML Group Ltd (Betsson AB)
Grey-MarketPayment blockingThe operator was blacklisted for violating the Finnish Lotteries Act by illegally marketing its services to mainland Finland.
Read-across: This was the first time an operator was blacklisted, signaling a significant escalation in enforcement and a direct financial impact on offshore operators through payment blockades.
- May 2023
BML Group Ltd (Betsson AB)
AdvertisingFine €2.4MThe company was found to be targeting mainland Finland with its advertising for an extensive period across multiple channels, in breach of the Lotteries Act.
Read-across: The substantial conditional fine demonstrated the regulator's willingness to issue significant financial penalties for marketing breaches, serving as a strong deterrent to other grey-market operators.
- October 2021
Eurosport SAS (Eurosport)
AdvertisingInjunctionThe broadcaster was prohibited from marketing gambling services on its television channel in mainland Finland, reinforced by a conditional fine of €800,000.
Read-across: This enforcement action against a major international broadcaster highlighted the regulator's focus on media channels and its broad interpretation of what constitutes marketing targeted at Finland.
Market size: 1.84B EUR (2025)
Gross gaming revenue in Finland is approximately 1.84 billion EUR annually. The most popular form of gambling is Lottery and slot machines. Online gambling represents 50.3% of total GGR. A culturally distinctive product in this market is Veikkaus (state-run).
Market breakdown by vertical
- Land-based0.36B EUR100.0%
Only the land-based figure can be sourced: Veikkaus reports EUR 931.9m of gross gaming revenue for 2025, of which 38.7% came from physical points of sale, so EUR 361m. The remaining EUR 1,475m is the Finnish DIGITAL market, of which Veikkaus holds about 39%, and no primary source splits that by vertical. The EUR 1.84bn total is those two figures added. A previous trade-body breakdown summing to EUR 1.65bn was removed because it did not reconcile with the audited total.
Licensed operators: ~1
As of 19 Oct 2026, approximately 1 operator hold an active licence in Finland. Size your entry against this base before committing capital.
Notable licensed operators
- Visit site
Traps operators hit in Finland
Specific operational risks that have caught new entrants in this market. Each item is country-specific. Generic gambling-ops issues (KYC, RG tools) are not included unless they have a local twist.
Strict and Unconventional Advertising Bans
From 1 July 2027 the new Gambling Act leaves affiliate and influencer marketing off its closed channel list, so both are prohibited (s. 51(7)). Marketing is only permitted through a narrow list of channels, and bonuses are severely restricted, with welcome bonuses and VIP schemes based on turnover effectively prohibited. Misinterpreting these rules can lead to significant fines and jeopardise licence suitability.
Mandatory B2B Software Licensing
From July 1, 2028, B2C operators may only use gambling software and platforms from suppliers holding a Finnish B2B licence. Operators must plan their technology stack and supplier relationships years in advance to ensure their partners will be licensed in Finland, as failure to comply will be a direct breach of their own licence.
Sources5
Unsuitability from Past Marketing Violations
The new Gambling Act includes a provision that a licence cannot be granted to an applicant who has been sanctioned for violating the Lotteries Act. Operators who have previously been warned, fined, or blacklisted for illegal marketing in Finland may be deemed unsuitable for a licence, creating a significant barrier to entry.
Sources32
Timeline: rules in force
- 29 Oct 2026
Ensimmäiset rahapelitoimiluvat on myönnetty
Licensed companies may begin operating and marketing gambling no earlier than 1 July 2027. Licensing and supervision transfer from Poliisihallitus to Lupa- ja valvontavirasto in July 2027.
Source: 33Not yet in our report
- March 1, 2026
B2C Licence Application Window Opens
The National Police Board began accepting licence applications from operators wishing to enter the market in 2027.
Source: 34
- January 16, 2026
New Gambling Act Enacted
The President signed the new Gambling Act, creating the legal basis for a partial licensing system and ending the online monopoly.
Source: 35
- February 2024
First Operator Added to Payment Blacklist
The National Police Board used its powers to blacklist Betsson's BML Group, marking a major escalation in enforcement against unlicensed operators.
Source: 26
Operator myths vs reality in Finland
Common assumptions about gambling licensing that turn out to be wrong in practice.
- MythAn EU licence, like one from Malta, allows us to legally accept Finnish players under free movement of services.
- MythWe can use our standard affiliate and influencer marketing channels to enter the Finnish market.Reality
This is a critical error. From 1 July 2027 the new Gambling Act leaves affiliate and influencer marketing off its closed channel list, so both are prohibited (s. 51(7)). Attempting to use these channels will result in severe penalties and likely render an operator unsuitable for a licence.
- MythThe new licence covers all forms of online gambling.Reality
The licence is partial. It only covers online betting and online casino games (including slots and bingo). The highly lucrative national lottery and online scratch cards remain the exclusive monopoly of the state-owned Veikkaus.
Sources37
Markets that work like Finland
Compared on what our records hold for each country: whether online casino, betting, poker and lottery are licensed, state-run or banned, the licensing model, what the operator tax is levied on and its band, how most advertising channels are treated, and how foreign licences are treated. A point we hold for only one of the two countries counts for nothing.
- NorwayChecked
Online casino, betting and lottery state-run; state monopoly; most ad channels restricted.
- PolandChecked
Online casino, poker and lottery state-run; state monopoly; most ad channels restricted; foreign licences mostly blocked.
- AustriaChecked
Online casino and poker state-run; state monopoly; tax on GGR; most ad channels restricted.
- PortugalIn review
Lottery state-run; GGR tax 20–30%; most ad channels restricted; foreign licences mostly blocked.
- TunisiaAI overview
State monopoly; GGR tax 20–30%; most ad channels restricted.
Methodology & sources
The research behind our Finland coverage
Counted across every Finland page, not this page alone.
compiled 19 Oct 2026
27
official websites
regulators, legislatures, courts
224
pages cited
specific documents, not homepages
670
sourced data points
each traced to the instrument
Across every Finland page on this site: players, operators and the licence guide. The research report behind them cites official sources: the law, the regulator, the gazette, the courts and each platform’s own published advertising policy. Page sections not yet rewritten from the report may cite other sources.
The same research as a 82-page Finland report: every one of the 201 checklist questions, each answer cited to the instrument behind it.
Request the Finland reportOur Deep AI Scan took Finland through all 201 questions of our regulatory checklist, from 115 official documents, read on 19 Oct 2026. Our research team then traced every figure on this page to the document and sentence that states it. The full research report is now with our compliance team for review. Where a fact rests on a press report or a law-firm summary rather than an official document, the page says so.
Documents cited on this page
- 1Finland: Rahapelilain mukaisten pelitilitapahtumien tekninen toimittamismuoto
- 2Hallituksen esitys eduskunnalle laeiksi arpajaislain 14 §:n väliaikaisesta muuttamisesta ja rahapelilain 28 §:n muuttamisesta
- 3Finland: Electronic Certificate for Game and Gaming Account Transactions under the Gambling Act
- 4Finland: Technical Transmission of Game and Gaming Account Transaction Data under the Gambling Act
- 5Nordia Law - Entering Finland's new iGaming market
- 6Yogonet - Finland to introduce licensing system
- 7Nordia Law
- 8iGaming Today
- 9Google Ads Gambling and Games Policy
- 10Google Ads 'Good Policy Health' Update
- 11iGaming Business - Finland New Gambling Act
- 12Apple App Review Guideline 5.3
- 13Google Play Gambling Policy
- 14Finnish National Police Board (Gambling Administration)
- 15Apple Search Ads Policies
- 16Google Ads App promotion policies
- 17Gaming and Media Report on Finnish Ad Rules
- 18Meta Advertising Policy on Gambling
- 19Lexology - Finland's Gambling Reform
- 20Yogonet - Finland's Strict New Ad Rules
- 21iGaming Business - Parliament Rejects Ad Ban Amendments
- 22Gambling News - Finland's Strict Ad Rules
- 23IMGL - Finnish Gambling Reform
- 24Advertising Finland - What the Reform Means for Marketing
- 25Gaming Intelligence - Marketing Rules Overview
- 26iGaming Business - Betsson placed on Finland blacklist
- 27National Police Board - Ban on Influencer Marketing
- 28Veikkaus annual and sustainability report 2025, p. 90: the Finnish digital market and Veikkaus's share of it
- 29Veikkaus annual and sustainability report 2025, p. 91: channel split
- 30iGaming Expert - Nordic Law: Finland Regulation
- 31Advertising Finland - The Finnish gaming market is opening
- 32Bird & Bird - Finland ending its online gambling monopoly in 2027
- 33Ensimmäiset rahapelitoimiluvat on myönnetty
- 34EEGaming - Finland applications roll in
- 35iGaming Today - Finland's New Gambling Act is Now Signed
- 36Tribuna - Finland's Gambling Reform Ends Reliance on MGA Licences
- 37Gaming Intelligence - Finland Enters the Modern Era
The 10 documents this page relies on most
- Rahapelilaki 10/2026 s. 1 — Lain soveltamisala ja tarkoitusRegulator
- HE 16/2025 vp: Hallituksen esitys uutta rahapelijärjestelmää koskevaksi lainsäädännöksiRegulator
- Poliisihallituksen määräys 2026/8: Rahapelilain mukaisten toimilupien hakeminen (11.2.2026)Regulator
- Poliisihallitus — Rahapelilain mukaiset toimiluvatRegulator
- Poliisihallituksen määräys 2026/9: Rahapelilain mukaiset satunnaisuuden tarkastukset (17.4.2026)Regulator
- Poliisihallituksen määräys 2026/10: Rahapelilain mukaisten pelijärjestelmien luotettavuus ja tietoturva (17.4.2026)Regulator
- Arpajaislaki 1047/2001 (Lotteries Act), Finlex consolidated textLaw
- Laki arpajaisverolain muuttamisesta 14/2026 (Lottery Tax Act amendment)Law
- Laki rahanpesun ja terrorismin rahoittamisen estämisestä 444/2017 — consolidated, Akoma NtosoRegulator
- Poliisi.fi: Usein kysytyt kysymykset toimilupien hakemisestaRegulator
Also cited on this page
- Gambling system reform (Official Government Project Page)
- Ministry of the Interior: Reform of the Gambling System
- Rahapelilaki 10/2026 (the Gambling Act)
- Rahapelilaki 10/2026: full text via the Finlex open API (Akoma Ntoso, FI + SV)
- Arpajaisverolaki amendment 14/2026 (the 22% lottery tax from 1 July 2027)
- Criminal Code ch. 17 ss. 16a-16b as amended by 17/2026 (gambling offences)
- Lotteries Act (1047/2001)
- National Police Board: Gambling Supervision
- HE 16/2025 vp: the government bill behind the whole reform package
- Lupa- ja valvontavirasto (LVV), the supervisory authority from 1 July 2027
- Peluuri (National Gambling Helpline)
- Tuloverolaki 1535/1992 § 85: winnings, consolidated on Finlex
- Laki tuloverolain muuttamisesta 15/2026: replaces § 85 from 1 July 2027
- ECB euro foreign exchange reference rates, 2025 annual average (USD/EUR 1.1300) applied to the €1.84bn figure: derived USD value
115 documents in all. Request the full research report for every source, answer by answer.
Looking for the player guide?
For consumer-facing information about gambling in Finland (tax on winnings, where to play legally, self-exclusion options), see the Finland player guide.
Disclaimer. This page reflects the law as we understood it on 19 Oct 2026. Rules change: always check the current position with National Police Board (Poliisihallitus) until June 30, 2027; Lupa- ja valvontavirasto (Luova: the Valvira/Suva successor framework for licensing and supervision) from July 1, 2027. We are not a legal adviser.