Key findings
The market at a glance, from this edition.
- Market model: Betting regulated; Casino regulated; Lottery monopoly.
- 11 of 18 payment and AML rules verified word for word; 7 confirmed as not set in the official texts.
- 2,145 entries in 2 official lists, reloaded every week.
- FATF: on neither the grey nor the black list (statement of 19 Jun 2026).
- 11 official sources read for this market every week.
Market model
How each product is regulated, with its source.
- Betting: Regulated
- Casino: Regulated
- Lottery: Monopoly
Verifiedchecked 9 Nov 2026Hasartmänguseadus · tier 1
FATF lists
On neither list
FATF statement of 19 Jun 2026, as the HM Treasury advisory notice of 22 Jun 2026 lists it
What moved in November 2026
Decisions, consultations, register changes and dated events of the month. Covers 1 Nov 2026 – 9 Nov 2026, month in progress.
- MarketMarket status changed: betting: regulated, casino: regulated → betting: regulated, casino: regulated, lottery: monopolyHasartmänguseadus
- RegisterEstonian Tax and Customs Board (EMTA): entries 150 → 149Estonian Tax and Customs Board (EMTA)
The November 2026 overview and earlier monthsEarlier months: October 2026, September 2026
Payment and AML rules
Each rule we track, what the official text says about it and when we checked. Values and quotes are in the full report.
Payment methods
4 rules · 3 verified · 1 confirmed not set| Rule | What we found | Value | Source |
|---|---|---|---|
| Permitted rails and instrument typesWhole market | VerifiedVerified word for wordchecked 9 Nov 2026 | Value in the full report | Hasartmänguseadustier 1 |
| Mandatory hubs and gatewaysWhole market | Not foundNot set in the official textschecked 9 Nov 2026 | None set | Hasartmänguseadustier 1 |
| Instrument origin and currencyOnline | VerifiedVerified word for wordchecked 9 Nov 2026 | Value in the full report | Hasartmänguseadustier 1 |
| Payment-blocking listsWhole market | VerifiedVerified word for wordchecked 9 Nov 2026 | Value in the full report | Hasartmänguseadustier 1 |
Ownership & payouts
4 rules · 2 verified · 2 confirmed not set| Rule | What we found | Value | Source |
|---|---|---|---|
| Holder and ownership rulesWhole market | VerifiedVerified word for wordchecked 9 Nov 2026 | Value in the full report | Hasartmänguseadustier 1 |
| Closed loop and payout routingWhole market | VerifiedVerified word for wordchecked 9 Nov 2026 | Value in the full report | Hasartmänguseadustier 1 |
| Payout time limitsWhole market | Not foundNot set in the official texts | None set | Research notes |
| Withdrawal conditionsWhole market | Not foundNot set in the official textschecked 9 Nov 2026 | None set | Hasartmänguseadustier 1 |
AML thresholds & reporting
2 rules · 2 verified| Rule | What we found | Value | Source |
|---|---|---|---|
| Check thresholds and aggregation windowsWhole market | VerifiedVerified word for wordchecked 9 Nov 2026 | Value in the full report | Rahapesu ja terrorismi rahastamise tõkestamise seadustier 1 |
| Report triggers and deadlinesWhole market | VerifiedVerified word for wordchecked 9 Nov 2026 | Value in the full report | Rahapesu ja terrorismi rahastamise tõkestamise seadustier 1 |
Player funds protection
1 rule · 1 confirmed not set| Rule | What we found | Value | Source |
|---|---|---|---|
| Player-funds protection and coverageWhole market | Not foundNot set in the official texts | None set | Research notes |
Taxes at payment
1 rule · 1 confirmed not set| Rule | What we found | Value | Source |
|---|---|---|---|
| Taxes at the point of paymentWhole market | Not foundNot set in the official textschecked 9 Nov 2026 | None set | Hasartmänguseadustier 1 |
Reporting & data
4 rules · 3 verified · 1 confirmed not set| Rule | What we found | Value | Source |
|---|---|---|---|
| Submission mode and cadenceWhole market | Not foundNot set in the official textschecked 9 Nov 2026 | None set | Hasartmänguseadustier 1 |
| Data vault and integrityWhole market | VerifiedVerified word for wordchecked 9 Nov 2026 | Value in the full report | Elektrooniline Hasartmängu Aruandlus (EHMA) X-tee teenuste spetsifikatsioon, versioon 2.1tier 1 |
| Data locationOnline | VerifiedVerified word for wordchecked 9 Nov 2026 | Value in the full report | Hasartmänguseadustier 1 |
| RetentionWhole market | VerifiedVerified word for wordchecked 9 Nov 2026 | Value in the full report | Rahapesu ja terrorismi rahastamise tõkestamise seadustier 1 |
Player protection at payment
2 rules · 1 verified · 1 confirmed not set| Rule | What we found | Value | Source |
|---|---|---|---|
| Cross-operator limits and registersWhole market | Not foundNot set in the official textschecked 9 Nov 2026 | None set | Hasartmänguseadustier 1 |
| Eligibility screening at paymentWhole market | VerifiedVerified word for wordchecked 9 Nov 2026 | Value in the full report | Hasartmänguseadustier 1 |
Regulatory guide
Licensing, gambling tax, advertising, responsible gambling and technical standards: the statements we hold, by subject.
Licensing
1 statement- Apostille Convention
Statements, quotes and dates in the full report
Licence registers and official lists
The official lists we load every week for this market.
Estonian Tax and Customs Board (EMTA)
Blacklist
1,996 entries
loaded 9 Nov 2026
Estonian Tax and Customs Board (EMTA)
Licence list
149 entries
loaded 9 Nov 2026
Every entry with its licence, brands and domains, and the week's additions and removals: in the product.
Enforcement
The regulator's decisions against companies, as published.
- Decisions in 2026
- 0
Sanction ranges in the law
14 provisions set the fines and other measures: Hasartmänguseadus (terviktekst, redaktsiooni jõustumise kp 01.01.2026).
References, breaches and the full list of the year: in the full report.
Sources behind this report
The official sources our weekly run reads for this market, by kind and publisher. 11 official sources.
- Texts the values are checked against
- 3
- Laws and regulations
- 6
- Licence registers and official lists
- 2
Publishers
- Riigi Teataja
- Estonian Tax and Customs Board (EMTA)
- hcch.net
- Maksu- ja Tolliamet
- Riigikogu
Library of acts
The laws, regulations and guidance the report is built on. 9 acts and guidance documents.
- Hasartmängumaksu seadus (HasMMS)
- Hasartmängumaksu seaduse ja teiste seaduste muutmise seadus (eelnõu 984 SE)
- HCCH | #12 - Status table
- Isikuandmete kaitse seadus (IKS)
- Rahvusvahelise sanktsiooni seadus (RSanS)
- Reklaamiseadus (RekS; § 29 hasartmängu reklaam)
- Hasartmänguseadus
- Rahapesu ja terrorismi rahastamise tõkestamise seadus
- Elektrooniline Hasartmängu Aruandlus (EHMA) X-tee teenuste spetsifikatsioon, versioon 2.1
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