An Estonian gambling licence application is assessed on the operator's games and platform, but also on how it protects players and prevents money laundering. The player protection procedures and the AML/CFT rules are written documents the authority reads, and later checks in supervision. This guide explains what they must cover and what our two add-ons for a gambling licence deliver.
The guide is general information, not legal advice. Gambling licences are decided by the competent Estonian authority; nobody can guarantee them.
Player protection under the Gambling Act
- Age and identity verification — gambling is prohibited for persons under the age limit; remote players are identified before they can play or withdraw;
- self-exclusion — players can restrict their own gambling, and operators must check the national register of restricted persons and honour it;
- limits — deposit, loss and session limits that players can set, and their effect;
- indicators of problem gambling — how the operator detects risky behaviour and intervenes;
- advertising — the restrictions on gambling advertising and bonuses;
- staff training and records.
Our responsible gambling and player protection procedures () turn these into operating procedures that match your platform and are consistent with the rest of the application.
AML/CFT rules for a gambling operator
Gambling operators are obliged entities under the Money Laundering and Terrorist Financing Prevention Act. They need a business-wide risk assessment, internal rules for customer due diligence and enhanced due diligence, monitoring of deposits and withdrawals, reporting to the Financial Intelligence Unit, and record keeping. The AML/CFT internal rules, risk assessment and procedures () deliver the complete set, and the same package serves payment and e-money institutions.
Where these fit in the application
Both documents are ordered together with the gambling activity licence (). See the Estonian gambling licence for the licence itself and state fees and capital for the costs paid to the state.
What you receive
- player protection procedures ready for the application and for operation;
- AML/CFT rules and the risk assessment for a gambling operator.
Prices are starting prices confirmed in a written quote and exclude VAT; state fees and gambling tax are paid separately. All communication takes place by email.
Ready to start? Choose the gambling activity licence and tick the responsible gambling procedures. Open the quote form.
Frequently asked questions
What must responsible gambling procedures cover in Estonia?
Age and identity verification, self-exclusion and the check of the national register of restricted persons, deposit and loss limits, detection of problem gambling and intervention, advertising restrictions, staff training and records.
Are gambling operators subject to AML rules?
Yes. Gambling operators are obliged entities under the Money Laundering and Terrorist Financing Prevention Act and need a risk assessment, customer due diligence rules, monitoring, reporting to the Financial Intelligence Unit and record keeping.
Related guides
More on this topic: Licensed companies.