Top 5 Best Estonian Online Casinos 2019

Kasiinoboonused.com 2019-08-12 2019-08-12

There are several online casinos out there, but not all offer the best games and bonuses that you can enjoy. While some casinos may promise you high rewards that looks too good to be true, others are scams trying to rob you of your money. We have put together a list of the top 5 best online Estonian Casinos that you can play on. You will find several types of games such as slots, live casinos and table games at these casinos. Additionally, we have provided you with the details of each of them in order to help you to make the better choice possible.

Unibet

Unibet casino has been around since 1997, and it offers players a broad selection of games. The casino’s website is divided into three game sections: Casino Black, Casino Red and Live Casino. On this casino, you will find slot games from developers such as Microgaming Quickfire, NetEnt and Blueprint Gaming. Unibet is licensed by Malta Gaming Authority, and the interface is optimised for mobile devices. To make sure players are safe, the casino adopts the use of 128-bit SSL technology on its website. As a new player, the casino rewards you with 200% of up to £200 on your first deposit.

Maria Casino

Maria Casino is another good casino you can enjoy playing games on. You will find several great games such as slots, table games, jackpots and exclusive offers. Besides, you will also be able to play live casino games, enjoying an experience as close as possible to a land based casino. One feature that makes Maria Casino special is the customised gaming experience. The casino website is simple, sleek and easy to navigate. It uses software from providers such as Play’n Go, Evolution Gaming and Quickspin. Luckily there is no withdrawal limit on winnings, and the casino provides several payment options.

Betsafe

Betsafe Casino was established in 2006, and it has been offering players some good promotions since then. When you register, you will be rewarded with a deposit bonus of 100% up to 50.00 and 20 free spins. The casino pays attention to securing their player’s information and account. Not only is the casino’s website highly responsive, but it is also encrypted using SSL. If you need any assistance, you can use the live chat option to communicate with one of their support representatives. You will find a broad selection of online slots, table games and live casino games. The casino also places a withdrawal limit of £50,000 daily.

Coolbet

Coolbet Casino was established in 2016, and has grown to be one of the best in the industry. The casino provides games from two major developers: Microgaming and NetEnt. The website design is sleek and it is compatible with both desktop and mobile devices. Apart from playing casino and poker, you can also enjoy sports betting games. By depositing a minimum of 10.00, the casino rewards you with 100% of your deposit. Coolbet Casino support service is available between 08-23 CET from Mondays to Thursdays, and between 08-21 CET from Fridays to Sundays. You can use the open live chat or email support@coolbet.com for support.

OlyBet Casino

Olybet Casino was established in 2010, and it hosts games from software platforms such as Thunderkick, Microgaming and NetEnt. The website is well structured and requires using a flash browser before you can play games. However, if you are using a mobile device, you can download the casino’s mobile app that is compatible with Android and iOS devices. The casino offers sports betting, slot games, virtual sports, table and live casino games.

Summary

We have thoroughly reviewed the five casinos suggested in this post. You can deposit funds on most of these casinos by using Mastercard, Skrill, Neteller and Visa. Deposit and withdrawal processing time for the casinos are similar. Withdrawal requests from e-wallets are always treated within 1-2 days, while bank transfers can take from 3 to 5 days.

Whether you are a fan of casino games or sports betting, we have provided you with the top 5 best Estonian casinos where you can play. Why not join any of the casinos, claim your bonus and start having fun playing the games you love?

New Estonian Casinos

Gambling in Estonia has been relatively low after the adoption of the gambling act, which was meant to regulate the industry. After opening its gambling market to offshore operators, a number of operators were allowed to begin offering these services as long as they had licenses from the Estonian Tax and Customs Board. All investors setting up this kind of establishment are required to observe the general legal conditions and only provide certain types of games.

In the recent past, there has been a considerable growth of new casinos in Estonia. Most of these sites use Estonian, which is the country’s official language, with an option to use other languages. The commonly accepted currency for deposits and withdrawals is the Euro. Additional currencies, such as the US dollar and the Lithuanian litas, are also accepted. The new Estonian casinos also have a wide range of banking options and cash out methods.

Ninja Casino

Ninja Casino went live in Estonia in 2018. Being one of the biggest online casinos, it has a huge number of players and often pays out big wins. The huge growth is attributed to it being the first casino where no registration is required to log-in and play. The withdrawals are super-fast since they’re powered by the bank transfer provider, Trustly. Players are also validated by Trustly through access of an existing and approved bank account.

Ninja Casino doesn’t use bonuses and free spins. Bonuses can be received in form of winnings and other promotions that gamblers need to wager on to take part. Free spins are rewarded in-game as you play. It has no welcome bonus, but when a player deposits €20 or more, they get 25 free spins. The casino offers fun and generous no-deposit rewards depending on your wagering. At Ninja Casino be assured of a no-hassle gambling experience!

Slots.io Casino

Slots.io Casino is an online casino, which provides a widespread and enjoyable collection of slots to its gamblers. It has a simple and easy to use functional interface which gives both new and skilled players a great experience when navigating through. With over 400 slots, players are spoilt for choice on popular spins. The casino is fully licensed by the Malta Gaming Authority and players are protected by the SSL encryption.

Slots.io Casino bonuses and promotions are appealing. All newly registered players and existing ones receive free spins, as long as they’re active players. The promotions are quite rewarding and all winnings are wager free. It has a welcome offer which enables a player to unlock 250 free spins after a first deposit of at least €20. It has several deposit methods and they do not charge any fees on withdrawals or deposits.

Bet365 Estonia

Bet365 Estonia has a wide and varied lobby, with a collection offering almost all genres of games. It uses the Playtech software which is very comprehensive and virtually identical to a sportsbook. The website is easy to use and simple to navigate your way around the numerous options. It has a wide selection of deposit methods which will suit your needs and location. Their help center is detailed with a very responsive customer service.

Any bonus funds claimed on Bet365 Estonia have a specific wagering requirement, which has been detailed appropriately on their terms and conditions section. Moreover, not all slots have bonus offers. Bet365 Estonia has simple but generous rewards for new players. The amount you deposit is usually matched in bonus funds up to a maximum specified amount. Newcomers can get up to €100 new player bonus with a minimum deposit of €10.

Other allowed casinos in Estonia

Other allowed casinos in Estonia include Tonybet, Optibet, Kingswin Casino, Paf Casino and GrandX Casino. All these casinos feature plenty of offers for all sorts of gamblers. They are mainly delivered through a web-based platform and powered by Microgaming and Evolution Gaming software, with a mobile site also available for players who wish to play on the go. The wagering requirements, welcome bonuses, first deposit bonuses, and free spins differ from one casino to another.

Conclusion

The online gambling market in Estonia is continuously evolving with the state supporting the establishment of new land-based casinos. All new casinos are safe because of the strict regulations, with its citizens restricted to only a couple of online casinos. Each online casino offers different games, payment options, and other features. Whichever choice you settle on, you’ll get a casino with hundreds of different games from different game providers and on a regulated environment.

How to Choose the Best Estonian Online Casino

Nowadays, it might be a bit tasking for casino players to choose one from the numerous online casinos that are available. Picking the right casino from such a quantity is not that easy. When selecting an online casino, it’s imperative to consider some things which are not clear at first glance. While choosing the most suitable casino, you should be sure that it meets your most important expectations.

What to look out for

When deciding what casino best suits your purposes, you might want to know the key to choosing the right online casino, right? How can you be sure you’ve picked a site with top quality games, mouth watering bonuses and rapid payouts? Not forgetting the reputation of the casino, and all the other things which can make your gameplay a great experience. Follow our leads and be sure you pick only the best.

Availability of the casino in Estonia

Before registering in an online casino, it is important to always ascertain that the casino game accepts players from Estonia, although there a lots of casino games out there. Unfortunately not all of those casino games are available for users from Estonia. This fact makes it necessary to be sure that the chosen casino is playable for Estonian users and all winnings can be easily withdrawn to the players’ local account.

Reputation of the casino

Before proceeding to play in an online casino, it is also necessary to ascertain its reputation to avoid being defrauded. There are a number of cases where a casino has directly cheated the player. Such situations include the casino refusing to pay out a winning fairly won by a player, casinos releasing a clause about a bonus abuse so as to forfeit the bonus won by the player, and many more. Always beware.

Casino Bonuses

It is very hard to leave out the importance of bonuses when selecting your choice of online casino. Almost every site has promotions and bonuses of some kind. All you need do is take a look and see if the bonuses are up to scratch, giving you an idea of what to expect. Top bonuses offer decent cash and low wagering requirements that are easy to reach.

Device compatibility

There are a number of high quality casino games that only work on desktops, although most renowned developers usually make sure their casino games are compatible with all Android and iOS devices. It’s still necessary to make sure your device is compatible with the games offered by the casino, especially if you plan on on-the-go gaming. To conclude, always do a background check before registering with the online casino of your choice.

Online Casino Bonuses for Estonian Players

Estonia is a liberal country when it comes to online casinos and gambling in general – it is believed that there are at least two slot machines for every 1000 Estonian citizens. Online gambling was liberalised in Estonia in 2011. Local and offshore companies can now provide a variety of services to the citizens. Different types of bonuses are also given to maintain their interest.

Today, more than 800 online casinos are successfully operating in Estonia, and there are only eight licensed operators in this country. You will have no problem finding a casino that is tailored to the requirements of Estonia players like you. The competition among casinos is very tough. This is why all of them try to concentrate on specific niches to appeal to certain groups or people.

No Deposit Bonuses

Online casinos have a lot to offer to their new and existing players. As the name indicates, no deposit bonus means no deposit is required – every Estonian player can claim their bonus whenever they go to an online casino or visit a mobile casino of their choice. They may also receive a unique package deal once they sign up and begin playing.

Certain welcome bonuses are offered along with the no deposit bonus to keep their interest maintained. The local support staff is always ready to assist during the hours to which most people are awake. Sometimes players are allowed to make a payment in the local currency, but if they are new to the casino, they will not have to pay anything.

Free Spins Bonuses

An advantage of playing in a virtual casino is that it offers exciting bonuses, promotions, and deals. Almost every Estonian casino has something nice to offer to the players. Different kinds of incentives are given to them, ranging from welcome and no deposit bonuses to cashback, free spins bonuses and match bonuses. A free spins bonus is given as part of the welcome bonus.

When a player claims the free spins offer, they may find themselves tied to a particular game. For instance, at some NetEnt casinos, an offer is given for Starburst free spins (this is a famous NetEnt slot). This type of bonus is also given as a no deposit option and can only be claimed by a new Estonian player.

Deposit Bonuses

A deposit bonus is given to the player when they make a real deposit – this bonus is offered to new players only – and the player has to fulfill the wagering requirements of this bonus. The deposit bonus is often given along with the free spins bonus. For example, at OlyBet, the minimum deposit is €10, and the player can get ta matching number of free spins.

A deposit bonus is also called the signup bonus. This sometimes lets the player keep all the money they win with no limits, restrictions or shady terms and conditions. Coolbet is a famous casino that offers a deposit bonus of up to €50. A player can deposit €10 and get a 500% match bonus. There are plenty of such casinos out there.

Cashback Bonuses

A cashback bonus is a specific type of refund that is given to the player based on its performance. Sometimes the money is returned to them partially, and sometimes they get back the whole amount in their account while playing. This type of bonus is the percentage of the player’s net losses. Once they wager their funds, they will not have to worry about losing anything.

Conclusion

Besides using these bonuses, players can have the opportunity of playing anytime without any need to leave their comfort zones. This is what makes online casinos an ideal option. They are favourable to people who want to escape their worries. A number of online casinos have started providing mobile app versions of their slot games, which allows players to access them using their smartphones.

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A Huge Selection of Games in Estonian Online Casinos

Do you like casino games? We provide you with details of several games available online in Estonian casinos. You can always be certain to have a good time selecting one of these amazing games, and also stand a chance to win big. Whether you are a newbie or a professional player, you will find the details we provide here useful.

Video Slots

One of the most common games you will find on Estonian online casinos is video slot games. You will enjoy a wide collection of video slot games from developers such as Microgaming, NetEnt, Playtech and Play’n GO. You will be able to select from 3-reels, 5-reels and more, depending on your choice of slot.

Jackpot Slots

Unlike regular slots, jackpot slots are not fixed. The jackpot size increases whenever a player places a bet, thus allowing them to win even bigger. However, you should note that the risk and bet size associated with jackpot slots are much higher. You will find several low and high progressive jackpot slots on most of the online casinos in Estonia.

You can win millions of money on progressive jackpot slots, but remember that if want to win big, you also have to bet big. However, if you are a risk-taker, then you do not need to worry. You can try out jackpot slots such as Dragon Chase, Mega Fortune, Mega Moolah and Jackpot Jester available in Estonian casinos.

Table Games

If you are a fan of table games, you will find a large selection of in Estonian online casinos. Games such as blackjack, baccarat and roulette are some of the most common table games available in Estonian casinos. You can win huge on table games depending on the card you have and your stake.

Unlike slot games, where you need to spin a reel, table games usually involve using tactics, luck and making decisions such as call, fold, and all-in. Not all table games involve the use of cards. Roulette, for example, uses random numbers that hold a multiplier value. Other games such as craps involve the use of dice.

Live Casino Games

Live casino games give players the feeling of being on a land-based casino. You will be able to gamble with other players and a human dealer mediates the game and deals cards – or spins the roulette – to each player. There is a chat room provided that you can use to talk with other players and the dealer.

There are several live casino games that you can find in Estonian online casinos. You can enjoy games such as live blackjack, live poker and live casino Hold’em without leaving the comfort of your home. Software providers like NetEnt and Evolution Gaming put a lot of effort in making sure you have the best experience when playing live casino games.

Bingo

The game involves players matching numbers on their cards as they are being randomly drawn by a caller. The first player that completes a pattern and yells “bingo” wins. There are a few Estonian casinos that have bingo available, and you can try the game out as it is fun and exciting to play.

Sports Betting

In sports betting, players can place bets by predicting a particular outcome for a sports game. Many Estonian online casinos offer sports betting, and you can also place bets on live games. You can place your bets as singles, folds or accumulator. You can bet on sports such as football, tennis and basketball.

Online Poker

If you love the traditional game of poker, you can also try out online poker, that will give you the comfort of playing anywhere you are. Online poker comes in different variations such as Three Card Poker and Texas Hold’em Poker. You can play online poker on both your desktop and mobile devices, depending on the casino you choose.

Many Estonian online casinos host online poker tournament games, and by participating in these tournaments, you can stand a chance to win lots of money. The rules of online poker are the same as those that apply to traditional poker games. However, unlike traditional poker, you can stake very low on online poker games.

Summary

We have discussed seven different games that you can find on most Estonian online casinos and how to get the best from all of them. Whether you are a first-timer or professional in playing casino games you will enjoy the selection of games discussed in this article. Why not try out one of them?

Eesti Loto and Estonian Lotteries

In Estonia, the legal framework that defines games of chance is outlined by the Law on Gambling and the Law on Lottery. When it comes to organizing games of chance, the state issues a license to a state-owned enterprise that has the power, therefore, to arrange such enterprise. The Eesti Loto, established in 1991, is the Estonian state lottery.

Eesti Loto offers four games: Bingo, Keno, Eurojackpot and Vikinglotto. For each lottery ticket you buy, Eesti Loto pays a gambling tax of 18%. The minimum guaranteed jackpot is €10.000.000. Lottery winnings must be completed within 90 days of the first day following the draw. The final registration of the lottery winnings is on the back of every ticket.

Bingo Loto

Bingo Loto is a very simple and exciting game, as the winning numbers are drawn on a TV show. Taking active part in the game is easy. To play, simply buy a ticket and watch the “Big Lottery Day” show on Wednesday nights and check all the boxes in your ticket with the same number as the draw. You might be lucky!

On the day of the draw, the sale of Bingo Lottery tickets must end at 6 pm. Those who enter will be decided by drawing lots. To participate in the raffle, a ticket with Bingo TV sign and registration in the Estonian Lottery is required. You can find the TV badge by buying a Bingo Lottery ticket on a dual playground on Friday or Sunday.

Keno

Keno is an exciting game with many choices. A player can win €300,000 with Keno. Play with 10 numbers and choose the maximum bet of €15. The amount of the win depends on your bet and the number of winning numbers. For example, if you play with a €2 bet and 10 numbers and your numbers turn out to be winning numbers, you win €40,000.

Eurojackpot

Eurojackpot is a joint game of many European lottery companies, and the winning amounts at all levels are the same for each participating country. The price of the tickets is also the same in all participating countries. The draw takes place once a week, on Fridays from 9pm to 10pm. The results of the draw will be made public within one hour after the draw.

The exact time of the draw depends on how quickly the info about tickets sold by the participating countries arrives at the control centre in Münster. A ticket purchased in another country cannot win a victory in Estonia. Only the winning tickets bought in the country will be paid out. Winnings in the Eurojackpot are not taxable. All winnings from Eesti Loto are tax-free.

Vikinglotto

Vikinglotto is a popular lottery in countries such as Norway, Denmark, Estonia, Iceland, Sweden, Finland, Latvia, and Lithuania. Players of Vikinglotto are expected to pick six numbers between 1 and 48 and a Viking number between 1 and 8. Players can either choose their own numbers or attempt for a speedy pick, where a random set of numbers will be automatically generated.

How to win

Any player who has registered a gaming account on the Eesti Loto website can check any tickets purchased at the terminal. Tickets with unpaid winnings will be displayed in the “Terminal wins” menu up until 90 days after the draw for your convenience. It is also possible to place a prize in your gaming account by digitally signing a pre-paid payout application.

Payments

The winnings will be paid to the designated bank account upon registration for the Estonian Loto Internet environment within 10 working days. If 10 working days have passed since the raffle and the winnings have not been credited to your bank account, then check your data in the Eesti Loto online environment. If the data has been corrected, please notify Eesti Loto Customer Service.

Deposits and Withdrawal methods for Estonian Casinos

One important aspect that Estonian online casinos players must consider before playing is the methods available for them to deposit and withdraw their funds. Being gambling platforms, Estonian online casinos have overall made depositing and withdrawing of funds accessible and reliable at any given time. This gives gamblers a sense of trustworthiness and confidence that their funds are well secured and that they can conduct transactions with ease at any convenient time.

Payment Methods

There are several payment methods provided by Estonian online casinos that players can consider. The use of credit and debit cards are so common today that they hey have become a common payment method in several casinos. Players are overall given a wide range of options, like: Zimpler, Ecopayz, Skrill, Neteller, Paypal, Trustly, Poli, Pugglepay, Ukash, Bitcoin, Entropay, Interac, Giropay, that can be used as deposit and withdrawal methods.

Prepaid cards and Vouchers

Prepaid card and vouchers, such as Paysafecard, are another popular and suitable method that guarantees a high level of security for Estonian online casino players. As soon as the Casino completes the withdrawal, the funds are instantly credited to the balance of the player’s Paysafecard account. Gamblers can then use the balance of their Paysafecard account to make any transaction related to their chosen casino.

E-wallets

In terms of withdrawing, E-wallets are the preferred method of Estonian online casino players due to the ease of use and speed of the transactions, allowing payments in under 24 hours. E-wallet providers overall charge a fee for every transaction made using such methods. However, the said transaction fees charged by the providers are usually low and sustainable, making this a reliable and trustworthy method used by many.

Bank Wire Transfers

This is another accepted payment method in Estonian online casinos, and it is preferred by many. This is due to the outermost level of security involved in its transactions, which reduces the risk for all parties involved. Furthermore, a gigantic part of this security comes from an absolute identity check, which takes a while. As a result, it takes 7 days for such transactions to be completed.

Limitations

The main benefit of all deposit and withdrawal methods for Estonian online casino players is their availability and security. However, the security of the available payment methods varies. Some are highly secure while others are less. It is, therefore, advisable that Estonian online casino players do thorough background checks to ensure they pick the most secure and safe deposit and withdrawal method among the available options.

Land-Based Casinos in Estonia

Land-based casinos in Estonia have a rather short history as they were introduced legally after independence. Are you on vacation and looking for a casino in Estonia where you can relax and elevate your gaming experience? Here you find relevant information on what you need to look out for when choosing a land-based casino that can suit your preferences. Let’s dive into the world of casinos in Estonia!

Relaxing at an Estonian casino

The majority of the casinos in Estonia are classified as slot parlours, and are found on the main streets in the busy part of the country. Most land-based casinos have an area for relaxation such as the OlyBet sports in Olympic Casinos. Others may have pool tables while some are located in a hotel and include other entertainment outside of gambling. The most popular casinos in Estonia include Olympic Casino and Casino Grand Prix.

Casino Games

Availability of games in a casino is one of the criteria one needs to consider when choosing a land-based casino. Land-based casinos in Estonia are no exception as they offer you interesting games that will make your stay worthwhile. Are you a lover of slot games, electronic games, video or jackpot games? No matter what your game preference is, you will find what interest you in an Estonian land-based casino.

Choosing the Right Casino

Choosing the best land-based casino is dependent on your preference. It is about choosing what is good for you. What do you seek for in a land-based casino? Do you seek for more interesting casino slot , high payouts, low bets or big money V.I.P perks? Are you more concern about the clubs, or a delicious meal? All these need to be considered before choosing a land-based casino.

Top-notch Entertainment and food

Haven’t had enough fun with the casino games and you want more? Land-based casinos in Estonia offers players a lot of entertainment and fun. You can choose to relax in their relaxation area after a stressful gamble or you can choose to grab a delicious meal at their high standard restaurants and bars. Land-based casinos in Estonia gives you all the excitement and experience you can ever imagine.

Summary

Land-based Casinos in Estonia have improved since its legalisation after the country’s independence. The Estonia gambling community is still thriving, though the number of land-based casinos have reduced over the years, which has helped to strengthen the overall revenue more than ever. The reduction helps to eliminate the unreliable small casinos and established a more reliable and safer brand that people can gamble at with no fear.

Gambling in Estonia

Gambling in Estonia is in its early stages since all gambling activities were banned when the country was still under the USSR. It wasn’t until 1994 that gambling was legalised. However, illegal casinos were operating before the legalisation. Between 1994 to 2008, before the new gambling act was passed, there was a rapid increase in the number of casinos most especially in Tallinn.

Before 2008, casinos in Tallinn were well above 90 but as of 2010, the number of casinos reduced to 33. This decrease was mainly a result of the crisis and the new gambling act in Estonia. This new law also affected the operation of foreign online casinos. However, in 2012, the law was revised allowing foreign online casinos to operate with low taxation.

Are Online Gambling Site Legal in Estonia?

Yes, online gambling sites are legal in Estonia. However, before an online casino can be fully operational, due to the new law for online gambling in 2011, the online casino must obtain a license from the Estonian Government. This was a way to boost the country’s economy when it faced a recession during the world economic crisis between 2008 to 2009.

In 2010, the Estonian Government banned foreign online casinos from operating in the country giving licenses to local online casinos. However, in 2011, the Government gave its citizens the freedom to use international online casino platforms with the requirement that the casinos had a valid Estonian license. However, in 2012, the Government reduced taxation on online gambling leading to an increased number of online casinos.

Online Casino Gambling Laws and Regulations in Estonia

In Estonia, online casinos are governed by two main laws, which are: the Gambling Act and the Gambling Tax Act. The Gambling Act sees to the regulation of gambling activities. In previous years, before the adoption of the new Gambling Act in 2008, online gambling was “somehow” unregulated. This was because the 1995 gambling laws were mainly focused on physical casinos.

The Gambling Tax Act is focused mainly on taxation of gambling activities in Estonia. This new law brought about legal taxation on international online casinos offering their services to people living in Estonia, which was overlooked in the previous gambling acts. Since November 2011, online casinos were required to pay 5% tax rate, changing it from the previous 10% set in 2009.

Estonian Gambling Licence

There are two types of licenses anyone who wishes to operate in Estonia needs to acquire. These licenses are the activities license and the operating license. The activities license shows that a particular casino or operator is legitimate and is ready to fully comply with the requirements of the country’s gambling acts. Additionally, with the activities license, operators must adhere to all specific conditions.

Before anyone is permitted to provide or organise any specific gambling activities in Estonia, you are required to obtain an operating license. This type of license gives the operator the ability to host or provide different kinds of gambling activities in the country, such as the game of chance, lotteries, totalizators, and so on. This license is also known as the operating permit.

The Future of Estonian Gambling Industry

At first, with the introduction of the new gambling acts, there was a rapid decrease in the number of casinos in Estonia, and gambling activities in the country were affected negatively. However, with the introduction of new tax rates and adjustments to the Gambling Act, there has been a positive change in the overall gambling activities. Making the future of Estonian gambling industry a profitable one.

Summary

Gambling in Estonia is very popular among its citizens. Although gambling in Estonia is relatively young compared to other countries, it has gained a lot of interest from both the Government and the citizens. At first, the gambling laws were rather inadequate but in recent years, the new gambling acts have since helped the Estonian Government turn gambling into a source of income to boost the economy.