License Name
Finnish Gambling Licence (expected under new Finnish Gambling Act)
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Issuing Country/Region
Finland
Regulatory Body
Finnish Supervisory Agency (from 2027; National Police Board until then)
Types of Regulated Games
Fixed-odds betting, pari-mutuel betting, virtual betting, online casino, online bingo, online slots
Market Coverage
Local
Regulator's Reputation
Good
Legal Entity Requirements
Finnish limited company or branch registration under the Limited Liability Companies Act
Directors and Shareholders Requirements
Key individuals must meet strict reliability and suitability criteria; no recent criminal convictions or fines
Anti-Money Laundering (AML) Requirements
Detailed AML and counter-terrorism policies required; active reporting and risk management
Data Protection Requirements
GDPR compliance
Reporting Requirements
Annual and incident-based reports on gambling operations, marketing, AML measures, internal controls
Audit Requirements
Gambling system audits and internal control plan documentation required
Software Certification Requirements
Game software and RNGs must be certified; only approved B2B providers permitted from 2028
RNG Certification
Required for all relevant verticals
Payment System Requirements
Payment blocks and vetting of providers required to prevent unlicensed operations
Server Location Requirements
Not specified in available sources
Language Support Requirements
Finnish language support required
Currency Support Requirements
Euro
Background Checks
Key persons and ultimate beneficial owners subject to background, criminal, and suitability checks
License Scope Restrictions
Lotteries, land-based slots, and casinos remain exclusive to Veikkaus
Jurisdictional Tax Compliance
Licensed operators must comply with all Finnish tax laws
Player Data Storage Requirements
Must maintain secure GDPR-compliant player data storage
Cross-Border Operations
Not specified; license valid only for Finnish market
License Application Transparency
High; public consultation and feedback incorporated into draft law
Regulatory Contact Point
Finnish Supervisory Agency (from 2027), National Police Board (until 2026)
License Cost
License fee (actual amount to be finalized), annual supervisory fee between €4,000–€434,000 (progressive by GGR)
Annual Fees
€4,000–€434,000 annually (tiered by GGR)
Income Taxes
22% of gross gaming revenue (GGR)
Player Winnings Taxes
No tax on individual player winnings (per current Finnish law)
Financial Guarantees
Deposit or guarantee anticipated (exact amounts not finalized)
Business Plan Requirements
Detailed business plan submission required
Internal Policy Requirements
AML, KYC, and responsible gaming policies must be submitted and implemented
Testing Requirements
Platform and game technical certification mandatory
Certification Requirements
Game software and RNG certification mandatory; only licensed B2B suppliers from 2028
Physical Office Requirements
Not required if a representative is appointed within the EEA; otherwise, local representative mandatory
Marketing Restrictions
See above, “Marketing Restrictions”
Responsible Gaming Measures
Responsible gaming tools and self-exclusion system required; mandatory identity verification; central exclusion registry
Self-Exclusion System
Central portal for self-exclusion from all licensees
Age Verification Procedures
Strict—minimum age 18, mandatory identity and residence verification
KYC Procedures
Mandatory at registration for all players
Customer Support Standards
Finnish language customer support required
Player Funds Protection
Player funds segregation required
Bonus and Promotion Regulations
Bonuses only for existing customers, no public welcome offers, strict advertising controls
Permitted Games List
Fixed-odds betting, pari-mutuel betting, virtual betting, online casino, bingo, slots; lotteries, land-based slots/casinos reserved for Veikkaus
Betting Limits
Operators required to impose limits per player/game
RTP Requirements
To be defined by regulations (not specified in available sources)
Jackpot Regulations
Not specified
Live Game Requirements
Not specified
Mobile App Compliance
Not specified
Affiliate Program Rules
Prohibited for gambling operators
Security Standards
Certification and security to comply with recognized international standards (e.g., ISO 27001 is anticipated)
Encryption Requirements
SSL/TLS data encryption required
Backup Requirements
Secure, regular backups required
Monitoring Systems
Monitoring and reporting systems for fraud, responsible gaming, and suspicious transactions required
Operation Logging
All gaming operations must be logged and auditable
Anti-Fraud Systems
Operators must implement systems to detect and prevent fraud
Uptime Requirements
High service availability required (exact % not specified)
Technical Support Availability
Finnish-language technical support required
License Duration
Up to 5 years
Renewal Procedure
New application and ongoing fit-and-proper review
Penalties for Non-Compliance
See above, “Penalties for Non-Compliance”
Ownership Change Rules
Changes must be disclosed; background checks for new owners/managers required
Official Address
The Finnish Supervisory Agency (contact points to be set in 2027); Ministry of Finance, Snellmaninkatu 1 A, Helsinki, Finland (in transition)
FAQ Question 1
What is Finnish Gambling Licence (expected under new Finnish Gambling Act)?
FAQ Answer 1
It is a license to offer regulated online betting, casino, slots, and bingo in Finland from 2027, supervised by the new Finnish Supervisory Agency
FAQ Question 2
Which jurisdiction issues Finnish Gambling Licence (expected under new Finnish Gambling Act)?
FAQ Answer 2
Finland; issued by the National Police Board (until end 2026), then by the Finnish Supervisory Agency (from 2027)
FAQ Question 3
What is the cost of obtaining Finnish Gambling Licence (expected under new Finnish Gambling Act)?
FAQ Answer 3
Operators will pay a license fee (to be announced), annual supervisory fee from €4,000–€434,000, and a 22% GGR tax
FAQ Question 4
What are the main requirements for Finnish Gambling Licence (expected under new Finnish Gambling Act)?
FAQ Answer 4
Company registration, suitability checks, AML/KYC policies, software certification, annual reporting, player protection tools, and compliance with all regulations