OfferNo welcome bonus
LicenceState monopoly
BankVisaMobilePayCash at kiosks
Best bookmakers in Finland
Finland is the last Nordic country with a gambling monopoly, Veikkaus, and it is ending: a law passed in 2025 creates a licensing system for online betting and casino from 2027, with foreign operators to apply. Until then, Finns bet with Veikkaus legally and with the Malta-licensed brands tolerated, their winnings from EEA-licensed sites tax-free. Here are the state operator and the two international sites that scored best in our tests with a Finnish account.
How betting works in Finland
Veikkaus holds the monopoly on sports betting, lotteries and online casino, with mandatory identification, loss limits and a product that has improved under competitive pressure it is not supposed to face. The law does not punish residents for betting with foreign operators, and Betsson, Unibet, ComeOn, bet365 and others have run Finnish-language sites for years; payment blocking measures introduced in 2023 target operators’ marketing and transactions with limited effect.
The 2025 reform ends the monopoly: from 2027 a new authority will license private operators for online betting and casino, with Veikkaus keeping lotteries and physical slots, and unlicensed sites to be blocked in earnest. The Malta-licensed brands are preparing applications. Winnings from operators licensed in the EU or EEA are tax-free under a long-standing rule; winnings from elsewhere are taxable.
Payments are Trustly bank transfers, cards, MobilePay and, at the foreign sites, e-wallets; Trustly withdrawals arrived within hours in our tests.
The state operator and the two international sites we rate for Finland
Ranked by our test score. Veikkaus is the monopoly until 2027; the other two serve Finns from Malta and expect to apply for licences.
OfferWelcome offer for new players
LicenceMGA
TrustlyVisaBankSkrill
OfferWelcome offer, live streaming
LicenceMGA, UKGC
TrustlyVisaBankSkrill
The three, in short
Veikkaus
The monopoly’s sportsbook, with the Veikkausliiga, ice hockey and European football, live betting, mandatory identification and loss limits, and bank withdrawals within a day. Prices are wider than the foreign sites; the recourse is Finnish.
Betsson
Betsson serves Finland from Malta with a Finnish site, euro accounts, streaming and Trustly withdrawals within hours in our test, and is preparing to apply for a 2027 licence.
Unibet
Unibet runs a Finnish-language product from its Maltese licence with streaming and statistics; Trustly in and out within hours, and a licence application expected for 2027.
Other tested operators that accept Finnish players
All serve Finns from EEA licences, so winnings are tax-free; none holds a Finnish licence, because none exists until 2027.
OfferBet credits for new customers
LicenceUKGC, MGA
TrustlyVisaBankSkrill
OfferFree bet for new customers
LicenceMGA, UKGC
TrustlyVisaBankSkrill
Payment methods that work in Finland
Trustly is the everyday method and the fastest withdrawal on the foreign sites; bank and MobilePay on Veikkaus.
TrustlyBank transferVisaMastercardMobilePaySkrill
Frequently asked questions
Is online betting legal in Finland?
With Veikkaus, yes; betting with foreign sites is not an offence for the player.
Are winnings taxed?
Not from operators licensed in the EU or EEA; winnings from elsewhere are taxable.
When does the market open?
Licences for private operators are due from 2027 under the 2025 law.
Will Veikkaus keep anything?
Lotteries and physical slots; online betting and casino open to competition.
Rankings on this page come from our tests with a real account opened in the country. Some links are affiliate links; sponsored boxes are labelled and never affect the order.