Ranked and Rated Online Lottery Sites in Finland

Our Top Recommendation for Finland: Lotto Agent

Lotto Agent is a lottery service that allows players in Finland to participate in various international lotteries. The platform offers a range of lottery games and features tailored to Finnish players.

How We Rate and Rank Online Lottery Sites in Finland

At LottoRanker, we evaluate online lottery sites for Finnish players based on specific criteria to ensure a safe and enjoyable experience.

Security and Licensing

We verify that each lottery site holds valid licenses from reputable authorities and employs robust security measures to protect user data and transactions.

Lottery Variety and Quality

We assess the range of lottery games offered, including national and international draws, ensuring they are fair and provide clear information on odds and payouts.

User Experience

We evaluate the site's design, navigation, and mobile compatibility to ensure a seamless and user-friendly experience for Finnish players.

Payment Methods and Withdrawal Times

We examine the availability of secure and convenient payment options, such as credit cards and e-wallets, and assess the speed and reliability of withdrawals.

Customer Support Services

We test the responsiveness and effectiveness of customer support channels, including live chat and email, to ensure timely assistance for users.

Bonuses and Promotions

We review the fairness and transparency of bonuses and promotions, ensuring they offer genuine value without hidden terms that could disadvantage players.

Online Lottery Bonuses and Promotions in Finland

In Finland, online lottery sites commonly offer these popular bonuses deposit match bonuses, no deposit bonuses, cashback offers, reload bonuses, and VIP programs.

Wagering requirements are conditions that dictate how many times you must bet the bonus amount before withdrawing winnings. In Finland, these requirements typically range from 20x to 40x. For example, a €50 bonus with a 20x requirement means you must wager €1,000 before withdrawal. To evaluate these requirements, consider the multiplier and the games' contribution rates; slots often contribute 100%, while table games may contribute less.

• Deposit Match Bonuses: These bonuses match a percentage of your deposit, commonly between 50% and 100%, up to a specified amount. For instance, a 100% match up to €200 doubles your deposit.
• No Deposit Bonuses: Offered without requiring a deposit, these bonuses provide free funds or spins. Amounts are usually modest, such as €10 or 20 free spins, and often come with higher wagering requirements.
• Cashback Offers: These return a percentage of your losses over a period, typically ranging from 5% to 25%. For example, a 10% weekly cashback on €100 lost would return €10.
• Reload Bonuses: Aimed at existing players, these bonuses offer a percentage match on subsequent deposits, often between 50% and 100%, with maximum amounts varying from €100 to €500.
• VIP Programs: Designed to reward loyal players, these programs offer benefits like exclusive bonuses, faster withdrawals, and personalized support. However, under Finland's new Gambling Act, such programs are prohibited.

Popular Online Lottery Games in Finland

In Finland, the most popular online lottery games include Lotto, Eurojackpot, Vikinglotto, Keno, and Jokeri. These games are operated by Veikkaus, the state-owned gambling company. To participate, players must be at least 18 years old and have a registered Veikkaus account.

• Lotto: Players select seven numbers from 1 to 40. Draws occur every Saturday at 22:10 EET. The jackpot is won by matching all seven numbers. An optional Plus number can be added for an extra €0.50, offering a chance to multiply non-jackpot winnings by five. The overall odds of winning a prize are 1 in 50.
• Eurojackpot: This transnational lottery requires players to choose five main numbers from 1 to 50 and two Euro numbers from 1 to 10. Draws are held every Tuesday and Friday at 22:00 EET. The jackpot starts at €10 million and can roll over up to €120 million. The overall odds of winning any prize are 1 in 32.
• Vikinglotto: Participants select six numbers from 1 to 48 and one Viking number from 1 to 5. Draws take place every Wednesday at 19:00 EET. The jackpot is awarded for matching all six main numbers and the Viking number. An optional Plus number can be added for an extra €0.50, potentially multiplying non-jackpot prizes by five. The overall odds of winning a prize are 1 in 50.
• Keno: Players choose between 1 and 10 numbers from a pool of 70. In each draw, 20 numbers are randomly selected. Draws occur three times daily at 14:45, 20:45, and 22:45 EET. The amount won depends on the number of matches and the player's stake. The maximum prize is €1 million for a 10-number game with all numbers matched.
• Jokeri: This game involves selecting a seven-digit number, with each digit ranging from 0 to 9. Draws are held four times a week: Tuesday, Wednesday, Friday, and Saturday. Prizes are awarded based on matching digits in the exact order. An optional Tuplaus feature, for an additional €1, doubles prizes if the last digit matches the drawn number. The jackpot is typically €1 million, with fixed prizes for lower-tier matches.

Payment Methods for Online Lottery in Finland

Online lottery sites in Finland that support the Euro (€) offer several payment methods, including bank transfers, e-wallets, and online banking services. Deposits are typically processed instantly, while withdrawal times vary depending on the method used.

To deposit funds, select your preferred payment method on the lottery site's cashier page, enter the deposit amount, and follow the prompts to complete the transaction. For withdrawals, navigate to the withdrawal section, choose the payment method, specify the amount, and confirm the request. Processing times for withdrawals depend on the chosen method and the site's policies.

• Trustly: A Swedish fintech company offering direct bank transfers without the need for registration. Deposits are instant, and withdrawals are typically processed within 24 hours. Transaction fees are generally not applied by lottery sites, but users should verify with their bank.
• Euteller: A Finnish online banking service that enables secure transactions directly from your bank account. Deposits are processed instantly, while withdrawals may take up to 24 hours. Euteller does not charge transaction fees, but it's advisable to check with your bank for any applicable charges.
• Klarna: A Swedish payment service offering options like "Pay Now," "Pay Later," and installment plans. Deposits are immediate, and withdrawals are processed within 1-3 business days. Klarna does not impose transaction fees, but users should confirm with their bank.
• PayPal: A widely used e-wallet allowing quick deposits and withdrawals. Deposits are instant, and withdrawals are typically completed within 24 hours. PayPal may charge fees for currency conversion or transfers; users should review PayPal's fee structure.

When selecting a payment method, consider factors such as processing times, potential fees, and compatibility with your bank to ensure a smooth transaction experience.

Legal Landscape of Online Lottery in Finland

As of February 2026, Finland is transitioning from a state gambling monopoly to a competitive licensing system. The new Gambling Act, passed on 16 December 2025, will take full effect on 1 July 2027. Under this Act, Veikkaus Oy will retain exclusive rights to lotteries, scratch cards, and land-based slot machines and casino games. Other online gambling segments, including online casino games and betting, will open to licensed operators. The National Police Board will oversee licensing until 30 June 2027, after which a new Licensing and Supervision Authority will assume responsibility. Applications for gambling licenses will be accepted starting 1 March 2026, allowing licensed operators to commence operations on 1 July 2027.

Fees and Taxes on Lottery Winnings in Finland

In Finland, lottery winnings are tax-free for players. The lottery organizer is responsible for paying a lottery tax, typically 12% of the gross gaming revenue. This means that players receive their full winnings without deductions. However, if a Finnish resident wins from an unlicensed operator, those winnings may be subject to taxation. It's advisable to consult the Finnish Tax Administration or a tax professional for the most current information.

Pros & Cons of Playing Lottery in Finland

Conclusion

Selecting a secure and licensed lottery site is essential for Finnish players. LottoRanker provides comprehensive evaluations of top platforms, considering factors like game variety, user experience, and payment security. Explore our curated listings to find a lottery site that aligns with your preferences and offers a safe playing environment. Additionally, LottoRanker offers recommendations for players in other countries, ensuring a reliable resource for lottery enthusiasts worldwide.