100 Best Online Casinos
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Each of the one hundred best casinos appearing on this site is legally licensed and professionally audited for fairness. All bonuses appearing on this site are subject to the terms and conditions of the individual casino. Please recognize that all gambling is a risk and play responsibly.
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How We Help You Discover the Best Online Casinos
There is so much more to finding the right fit for a player to an online casino than just the promotions that the casino offers. The right experience with a casino also requires the player to know if they are just a casual player or someone that enjoys gaming more frequently. When selecting the best online casino for you, consider if it has the games you want but also, if it accepts the currency you want to use.
Welcome bonuses and other upfront player incentives are great, but they are not the end all to the selection of an online casino. Free spins and cashback offer don’t mean squat if the operation doesn’t payout quickly. The guides that we provide are meant to inform you about how to add value to your casino experience and your bankroll.
Across the world, online casinos are a popular form of entertainment. It can be challenging to locate a casino that supports the currency and resident country of the player. It is our hope that our easy to use comparison guide can help you to find the best online casinos. Our guide accommodates players from across the globe including the United Kingdom, New Zealand, Canada, Germany and many more.
Now get ready to play at a trusted online casino right from our list of most popular establishments. Before you commit to a first deposit, make sure to look at our in-depth reviews and our guides. This free service clues you into the best casino promotions, real money casino games and support options that you can access as a new member at any of the top-rated online casinos. You can even find out what other players think about a casino by reading player comments.
Each of our expertly written casino reviews touches on important aspects of real money casinos. Read about the different ways to make a deposit, the assorted banking options and withdrawal times.
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Casino Game Guides
Games Information & Guides
An area of interest for any online casino are the amount of games that it offers. At present, online casinos provide players with hundreds of options in gaming styles ranging from classic slots to virtual scratch-off cards. Each review offered here will provide the player with popular online casinos based on the types of games they offer, as well as how many games can be found and what developers are behind the game design. Also, any player unfamiliar with a style of game can find detailed information in the games section to learn more about each genre. These guides go over the basics of games and instructions on how to play. There are even helpful strategies and tips regarding the best ways to play smart and potentially win money.
New and helpful resources will regularly be added, so players are encouraged to check back frequently and get the latest information on the hottest games and how to gain the most favorable playing experience. Each guide is informative, entertaining, and objective for each player to go to the online casino prepared.
Guide to Online Casino Real Money Gambling
The primary objective of gambling for real money is to win more money. We have reviewed many online casinos to provide you with some of the best ones in which to gamble with real money. We specifically search out online casinos that have generous sign-up bonuses, routinely offer large jackpots, and have a wide selection of online slots gaming.
Online casinos that accept real money to play often enable various methods of encryption technology to be as safe and secure as possible. Since this is standard procedure, that means all you must do as the player is find one that has the best selection of games for you. This could be something like a variety of online poker and card games, video slots, or other games like Baccarat, roulette, and craps. Locate a casino that has a welcome bonus that is enticing to you. To find what we feel are the best legally run online casinos, just check out the top casinos that we have listed above.
Fair and Safe Online Casinos
Safety and fair play are always a major concern at online casinos, given the platform on which they operate. The reviews and guides provided will guide the player to the safest and most transparent online casinos trusted by millions of players. Random number generation, or RNG, is used by virtually every online casino, but the reality is that some casinos have been found to tamper with their systems or rig the gameplay. Each of the featured online casinos addresses this by having their content audited by a third party, ensuring that the player receives a fair chance at winning. As a result, these casinos will have the proper certification. By using the expert reviews here, the player can learn to find the most trusted online casinos and play with confidence.
Casino Integrity Check
One of the first steps is to investigate a few factors to determine the trustworthiness of a casino. An important aspect of this is verifying the license of the gambling site. Our site only reviews casinos that are operating legally. One other key factor involving the casino’s security is to test the connection and confirm that they software encryption and SSL security are intact. The final step we take is to research where the company is registered and to complete a background check on the parent company, as well as any other companies that may be associated with them. We also look into whether or not the company is traded publicly or not.
Deposit funds and contact customer support
One of the most important things we rate is how easy it is to make a deposit in a casino. The easier it is, the higher we rate them. We will take into consideration all the different payment methods that are accepted. We also make note as to whether the most popular major credit cards, e-wallets, and other online financial methods are accepted. We will also contact customer support anonymously to get answers to a certain set of inquiries so that they can be rated.
Play games and cash out winnings
One of the last areas that we rate, and perhaps one that is the most important to casino players, and that is reviewing the casino games that are offered. We play every type of game that is offered, including blackjack, slots, roulette, and poker, as well as placing sports bets or playing more casual lottery games when available. We take any balance that remains in our bankroll and cash it out. This is the best way for us to rate how fast the casino cashes out too.
Casino rated and on our approved list
After we evaluate the casino on all the above steps, we will give each casino an overall score, as well as writing a review detailing why each category was rated how it was. In addition, we will re-evaluate each casino quarterly and will update our findings as necessary. We feel it is important to notate both the positive as well as the negative things in casinos and will list that as such. If a casino has a low enough score or enough negative points, they will be put onto our casino blacklist. This is so that you won’t waste your time or money playing in a casino that is not one of the best.
Online Casinos by Country
Gibraltar Betting and Gaming Association
With the surge in popularity of online gaming and online casino websites worldwide including games from the best online casino in Europe, some groups have evolved to assist consumers and operators with online gambling needs. With this comes the introduction of the GBGA, the Gibraltar Betting, and Gaming Association.
GBGA Licence Information
The goal of this association is to represent and coordinate the interests of the government, operators, and all interested consumers. Specifically, the GBGA is known as a group that coordinates the efforts of remote gambling operators that target Gilbrator based customers. The GBGA is a member of the EGBA, which stands for the European Gaming and Betting Association. The EGBA mission statement emphasizes and focuses on digital online safety for the 20 million or more European online gambling participants.
The GBGA clearly expresses their goals with a couple of critical notes directing the user to detailed material regarding rules and regulations. Along with regulations aimed at protecting the interests of online gaming above all else, the GBGA is proud of their model and its success that they suggest that their platform should be the basis of structure for all online gaming regulations worldwide.
GBGA lists vendors that are currently members of the GBGA along with links to requested sites. Two important issues are detailed at length in the news section. Money laundering and game testing.
The Gibraltar Betting and Gaming Association details efforts to keep industry standards current with testing requirements. Operators have to be tested and certified as compliant. The testing of an online gambling site is listed as an effective method to decide which casino a consumer should frequent during gambling excursions. For equipment to be operating properly, especially digital products like software, inspections should be done properly, regularly and should have industry certification. The parameters which the GBGA uses for industry testing are listed in detail along with additional resources if further knowledge is required.
Another sensitive issue is money laundering and the attempts of governments to foil plans of users concealing money obtained from illegal activities. The Gibraltar Betting and Gaming Association offers documentation on ways money laundering is identified and offers methods to prevent the use of services by certain users.
The primary method utilized by the GBGA includes verification of identity by users on the online gambling platform. Money movement is facilitated by services such as card transfers and account withdrawals. Regular users of e-commerce will note that a variety of money transfer services participate in online gaming transactions such as Paypal, Payoneer, and Dwolla, to name a few. By requiring associates to identify the names of users, and verifying names of users, this helps to pinpoint the user’s history and possible engagement or possession of illegal funds or activities.
Documents that are submitted by users are then verified, an additional step to certify if the documents are valid. Lastly, as part of their three prong fight on money laundering, any accounts that the user withdraws or deposits funds from are checked to see if names are matching on all associated accounts. These steps all performed in conjunction with each other represent the most advanced and thorough way to circumvent the actions of greedy and sneaky individuals attempting to thwart the rigorous system that the GBGA has in place.
The GBGA is located in Gibraltar and is active on a variety of issues. The GBGA has engaged in fights with the always interfering arm of government legislation. The GBGA appealed the passage of restrictions that the GBGA insisted violated current laws of the European Union. At other points in history, the GBGA had declared to members of the United Kingdom government that they were discriminatory when it came to the Gambling Act of 2014.
For more information about how the GBGA lends itself to consumer safety and which methods they employ, feel free to peruse their website regarding the latest on gambling and betting data.
UK Gambling Commission: What Consumers and Prospective License Holders Should Know
The phrase gambling commission usually connotates an association or group of interested individuals chosen to oversee the state of gambling in the targeted region. The gambling commission is not a private entity but rather a network of people appointed by government officials. The UK Gambling Commission was organized and activated in the year of 2005. Numerous sites and reference sources abound as to the activities and legislative power of the UK Gambling Commission. As defined on the UK Gambling Commission website, the role of the Commission is to oversee any relevant issues such as application and enforcement of gambling licenses to revising and creating gambling legislation, to enforcement of gambling legislation.
UK Gambling Commission Licence Information
One of the many ways that the UK Gambling Commission interacts with the public would be their involvement in overseeing current gambling activities such as the lottery. By regulating the lottery (or any other gambling activity selected), the public can see laws in action- the UK gambling commission would dictate rules around lottery sales, the way lottery tickets are redeemed, where they are sold, and how the winner is paid. In theory, the sole purpose of a gambling commission would be to protect the interests of potential and current consumers when participating in an activity such as gambling at casino sites UK players only are familiar with.
For those interested in applying for a gambling license, the website offers a link to a page where the user can apply online with an e-form. Even the best online casinos benefit from such a quick avenue on their path to become properly licensed. The procedure of having an online form highlight the rapid advancement of society, and resources about gambling as well as avenues to gambling. Before the form is filled out, the user has the option of accessing valuable information- which types of licenses are available, which license would be best suited for their prospective business, how much the fees are and the regulation of whichever license is selected.
A section is also available for those who do choose to break or circumvent the full terms of industry regulations. One of the main focuses of the UK gambling commission is to “ensure that gambling is fair, safe and crime free.”
The UK Gambling Commission explicitly spells out that license holders who do violate regulation will be struck with a variety of fines, including but not limited to the suspension and revocation of the license. There is a mention of cooperating with local authorities. The above punishments did not mention the possible filing of criminal charges or jail time for cheating license holders- hopefully, the UK Gambling Commission would work with UK crime bureaus to prosecute legally as well as financially.
Since localities might have slight variations in types of games played or employment of qualified individuals, the UK Gambling Commission has made available resources for licensing authorities.
One of the various types of data that a local authority is required to provide is the types of gaming occurring, how frequent the gaming happens, the financial effects of the gaming, and how that gaming is currently licensed and regulated. To help with the process, the UK Gambling Commission offers guides and even a monthly newsletter. As games, innovation and industry change, it is a primary responsibility of the license holder to stay current with industry trends.
The item with perhaps the most pressing nature is the resource that instructs new and existing gambling consumers on ways to select a reliable gambling vendor. Endorsing a proactive approach, the consumer is prodded to research the background of the games and casinos selected. On a gambling website, for instance, the consumer should check to see if they are indeed actually licensed. Researching the origins of the license, proper display of and enforcement of company rules regarding minimum wagers and account balances- are all encouraged for the educated consumer to read before beginning play.
The UK Gambling Commission provides valuable tools to the discerning gambling consumer. To prevent over gambling, the website also offers a link to a tool that helps consumers track gambling amounts and the licenses of online gambling companies. As advised by the UK gambling commission, it is the inherent and legal responsibility of operators to disclose how funds are held and the risks associated with such.
Kahnawake Gaming Commission
It is interesting to note that most online gaming regulatory agencies worldwide are situated in areas that are rather remote areas. The Kahnawake Gaming Commission is an agency located in one of the most remote areas in Kahnawake which is a Mohawk Territory in the Quebec province of Canada.
Kahnawake Licence Information
Mohawk Territory of Kahnawake is 48.05 square kilometers Indian reserve. Kahnawake is one of the many existing Kanien (’kehá: ka) territories which are part of Mohawk Nation. Kahnawake was among the very first regions the world over to recognize the significant potential that online gaming had when it began.
Kahnawake subsequently became one of the world’s first gambling jurisdictions, and today it is home to the well-known Kahnawake Gaming Commission which licenses some of the best internet casino gaming in the world. The Commission’s work is to provide gaming licenses to gambling businesses including online casinos, sports books, poker rooms, among other gambling outfits that operate online. The Kahnawake Gaming Commission demands strict provisions that applicants need to adhere to before they can successfully obtain an online gambling provider license.
The Kahnawake Gaming Commission was established on the 10th of June 1996. The Commission’s establishment was made possible when the Kahnawake Gaming Law was passed by the Mohawk Council of Kahnawake. The Commission first enacted its regulations on interactive gaming on 8th July 1999. The Commission has since consistently remained engaged in the activities of regulating and licensing various online gaming outfits worldwide.
The Commission operates as regulatory body providing gambling licenses to interested businesses that want to offer online gaming services to online players. Inside of Kahnawake, the Commission has also provided gambling licenses to some three land-based poker rooms.
The commission has three members all of who operate through a term of two years. The Mohawk Council of Kahnawake, the body governing the commission, is mandated to appoint these members.
Technological Control & Highly Rated
An estimated 50 or more Internet gaming businesses have registered with the Kahnawake commission. The operators have a combined approximated 250 online gambling websites throughout this jurisdiction. So as to be approved by the commission, it is a requirement that all the gaming sites use the Mohawk Internet Technologies which is managed by Continent 8 Technologies as a host for their infrastructure. By having a technological control over all the sites that operate under it, the commission can monitor and ensure conformity and consistency.
There are two reasons that have made Kahnawake one of the main regulatory players in the internet gaming industry. The first one is that the Constitution of Canada is responsible for providing the Indian tribes' autonomy over their land. A fiscally conservative country, Canada may offer unreasonable laws were it to control internet gaming, but the Indian counsels can effect a view that is more liberal. Secondly, any operations related to Indians have a special tax guideline that is seen as favorable in the gaming industry.
In enforcing its regulations and rules, the Commission has set some guidelines for both the online gaming operators as well as the players. All operators are required that they are approved to have one of the four types of permits offered. After licensing, operators must agree to random investigations and audits that are performed by authorized, independent agents that represent the commission. These authorized agents include TST, iTech Labs, and Ecogra. For the player's sake, it is a requirement that all sites operate fairly and honestly. The sites are also required to have mechanisms that protect minors as well as any individuals that are prone to gambling issues. The mechanism needs to include a process that can be used by a gamblers family can petition to get the players gambling placed under control. Another important requirement is that all gamblers confidentiality be always observed.
Types of Licenses Issued
The Kahnawake Gaming Commission currently provides four types of licenses. The permits are given under the guideline provided by the Interactive Gaming Regulations that were laid down by the Commission in July of 1999. The Interactive Gaming Regulation’s recent amendment was on 2nd June, of 2010.
The four licenses given by the commission are:
1. Client Provider Authorization (CPA)
2. Key Person License (KPL)
3. Interactive Gaming License (IGC)
4. Secondary Client Provider Authorization (Secondary CPA)
Applicants interested in acquiring a license from Kahnawake have to pay the commission an initial fee. For the Client Provider Authorization License, the applicant has to pay $25,000. Every Key Person License attracts a fee of $5,000, and both fees are refunded should the Commission reject an operator’s application.
The Kahnawake Gaming Commission official website offers more information about the various license types. Poker rooms that operate within Kahnawake are issued with the Poker Room License (PRL) as per the commission’s Poker Room regulations that were recently amended on 21st April 2010.
Kahnawake Gaming Commission and Other Regulatory Bodies
The Kahnawake Gaming Commission does not work alone. The commission has over the years, been working closely with various regulatory bodies to improve the quality of online gambling. Since back in 2005, the commission has been working with Antigua and Barbuda’s Financial Services Regulatory Commission, through a memorandum of understanding agreement.
The Kahnawake Gaming Commission entered into another similar memorandum of understanding with the Government of Malta’s Lotteries and Gaming Authority entered back in 2006.
Other Facts Relating to Kahnawake Gaming Commission
There are many online casinos and gaming sites operating under the commission. Below are facts relating to these operators as well as about Kahnawake.
Gaming Platforms Available – Players can access casino, bingo and poker games on the internet provided in various ways. They can access instant play versions that do not require any download. Players can simply log in from a web browser and start playing instantly. There are also downloadable versions that need a few minutes of download on a mobile device, home computer or laptop.
Several of these sites today offer players a live casinos website version that is compatible with various devices and similar to the experiences found at casino resorts. A player can access and play from anywhere provided they have battery life and an internet connection.
Many of the gaming sites that operate under the Kahnawake gaming commission offer a huge variety of casino, poker, and bingo games and so it is easy for a player to find a site that they will love to play on. He or she can even choose from several variants of video poker, blackjack or some of the other popular casino games available. Players can do a little research to find the perfect match for the type of game they want. Some of the games can be played free and at no risk or for real money for anyone who is ready to win or lose.
Security of Financial Transactions
The Kahnawake Gaming Commission provides very strict rules in regards to the way the financial transactions of casino customers are handled. Nothing is left to chance. The commission requires all the sports betting, casino, bingo or poker sites that operate under its licenses to have the highest protocols of security attached to their systems.
This kind of security ensures that no matter the banking method among the many supported ones a player decides to use, funding their account will be done in an encrypted manner that is safe and secure. Any transactions that you make on any of these gambling websites is supposed to be safe.
It can, however, be noted that there are some limitations on the available deposit and or withdrawal banking methods depending on where a player is located. But it is likely that no matter where they are located, players will have an option or two to choose from. One sure thing is that whenever anyone is transacting on a site that has been licensed by Kahnawake Gaming Commission, they can be assured of security. Deposits and cashing out will be done in the most secure manner.
Accessing Player Gaming Logs
All online gaming sites that have been licensed by Kahnawake Gaming Commission are going to give any player that wants to access their real money player logs. Some of these sites will typically have direct access to the logs on the website when a player logs into their account, while others will normally send gaming logs upon a request by the player. The requested logs are normally sent to the player through their email address.
Methods Used to Send Winnings and Payouts
Players typically have an option of choosing how the money they have won will be sent to them, but some of the gaming websites will typically send payments through the same channels used to deposit funds into your online account.
Are the Online Comps Different?
There is no much difference between the online comps you earn from the comps awarded when gambling at a physical casino, but it is typical for some internet-based casinos to offer comps and bonuses that are of much more value to players because of the low overheads associated with running an online casino.
Available Complaint Channels
In the recent years, the Kahnawake Gaming Commission has made some improvements to the process of handling player complaints and now has designated people to handle such problems that may be experienced by players who use sites that they have licensed.
Online Gambling Minimum Age Requirement
All the gambling sites that operate under the licenses of the Kahnawake Gaming Commission have to abide by a set of strict rules regarding the minimum age at which they should allow gamblers to register. In Kahnawake, the legal age at which anyone can start gambling is 18 years old, but if a player resides in another territory or country that allows gambling at any other age, then they are required to instead abide by their local laws.
Gambling Winnings and Taxing In Kahnawake
Online gaming players are not required to pay any taxes on any of the winnings that they get from any of Kahnawake licensed sites. There are however some taxes that should be paid by the gambling operators and owners.
It is important to note that even though most countries do not charge tax on gambling winnings, players who play on Kahnawake licensed sites from a country where tax is charged on winnings should then report the winnings just as though they won from their country of residence.
Malta Gaming Authority
For online gaming fans, the Malta Gaming Authority is probably a name they’ve heard before. Many casinos online are currently regulated by this agency, meaning they handle any concerns regarding the websites which they license. They’re also responsible for the land-based casinos on the island. Included is a brief history of the regulatory body and the role they play specifically in online gaming.
MGA Licence Information
Malta is a small island in the Mediterranean Sea. It’s located south of Sicily, Italy, and North of Tunisia, Africa. The country is part of the EU and has been rapidly expanding. There is a largely growing expat community, and new jobs are being created all the time. Social capital is the major source of income for the island, as most jobs are centered around hospitality and tourism. Beautiful weather and a Mediterranean lifestyle are enjoyed by the islanders and visitors. The island also has much partying including nightclubs, festivals, and bars. The first class lifestyle is truly embraced in Malta, which is why it’s such a popular destination for people from all over the globe. As previously mentioned, Malta is home to many casinos both on land and remote, which is no surprise for an island where leisure is made a priority.
Up until about 2015, the Malta Gaming Authority operated as the Malta Lottery and Gaming Authority. The Malta Gaming Authority also works with other regulatory authorities such as the United Kingdom Gambling Commission to resolve customer issues. The UK states that while the Malta Gaming Authority is occasionally slow at handling complaints, most times, a favorable result is achieved. The UK continues by stating that they’ve dealt with other agencies that have simply ignored the concerns and have failed to respond altogether.
The Malta Gaming Authority is divided into several gaming sectors. Among these different sectors are:
• Remote gaming
• Advertising lotteries
• Amusement machines
• Commercial bingo halls
• Cruise Casinos
• Gaming devices
• National Lottery
• Nonprofit games
• Racecourse bets and sweepstakes
• Skill games
The authority also keeps statistics of all visitors to Maltese gaming sites. The number is segregated by whether the players are Maltese or not. The information provided is based on numbers alone; there is no accounting for whether they are a repeat or no repeat visitor(s). The greatest variance in the statistical set is the month of March over the period of 2015-2017. In March 2016 a significant decline in the number of visitors by about 12,000 was reported It’s unclear as to what factor is creating such a great swing in the number.
Another growing trend in online gaming is remote gambling. The term “remote,” although used rather broadly in generalizations, specifically refers to offshore or distance gaming. Remote also refers to the method of gambling such as by telephone, online, mobile, and the like. There is a special division dedicated to remote gaming that goes by the “Malta Remote Gaming Council.” Malta was the first member of the EU to be trusted with this specialized responsibility. The gaming council posts current licensing information, as well as unauthorized and blacklisted casinos. Since many casinos and players are located remotely, this division is especially important to the overall operation of the organization.
Since the Malta Gaming Authority is responsible for governing gambling venues, it has a rather significant social responsibility obligation. The authority has taken on this responsibility by not only creating legislation regarding the disclosure of responsible gaming information but also by creating foundations to address the issues publicly. The Responsible Gaming Foundation was established in 2014. The passage of funding initiatives to get the foundation off the ground was successful. The organization now helps to aid those affected by gambling compulsions to a path to recovery. The second organization is GamingMalta. This organization was founded in 2015. The purpose of GamingMalta is to promote Malta as an attractive gaming venue to customer’s and businesses. The organization’s role is also to maintain a high level of standards to achieve this level of excellence. A new initiative is currently underway. The name of this proposed organization is the Foundation for the Development of Gaming Knowledge. The objective of this organization is to address issues in the gaming industry and to promote positive changes to maintain and evolve the image of the gaming industry.
Other interesting initiatives Malta has taken on include efforts to deter and detect illegal funding from being used in activities such as terrorism and other criminal activity. The Malta Gaming Authority also handles complaints regarding issues with casinos both on land and online. The complaint form asks questions of the player’s specific incident. The authority investigates and helps to resolve issues by reviewing the player’s information compared to what the casino provides. Often, the authority can resolve the disputes quickly, and often the findings favor the player. The FAQ section on the authority site also provides relevant information regarding the process of resolution of complaints. Specific legislation and news regarding current online gaming matters and trends can also be found.
The Malta Gaming Authority, albeit somewhat of a newcomer, is making progress in improving the reputation of online gaming. The revenue from online gaming with real money has increased significantly over the years. The use of technology and digital security measures are helping to restore the reputation of a once tarnished image. As players grow to enjoy and become familiarized with the online gaming world, the Malta Gaming Authority will have a chance to grow as well. The authority seems to be taking its obligation rather seriously by constantly evolving and proposing legislation that works for everyone, casinos, players and the government alike. The authority has its hands in nearly every aspect of the industry from protecting player's funds to quality control and everything else under this large umbrella. Hopefully, the Malta Gaming Authority will continue to be a symbol associated with good times and the reassurance that players are getting fair and ethically sound treatment for years to come.
European Casino Licensing Agency
The European casino licensing agency is formally the European Gaming and Betting Association (EGBA). This association's headquarters is in Brussels, and it is the main association representing privately owned European online gaming and betting operators who hold licenses in the European Union (EU).
The agency was created in 2007 to promote a reliable and safe environment for online gambling. Because it is a digital environment consumer needed protection. At the same time, it requires online gambling to be entertainment and attractive for the maximum amount of consumers. They promote the implementation of a regulated and competitive market for online gambling operators. This is according to the European Union law, and they represent six member companies and one trade association. The companies are composed of Bet-at-Home, Betclic, Bwin Party, Expekt, Unibet and Gibralter Betting and Gaming Association. BOS and OVWG are affiliate members of the EGBA. The members of EGBA are also members of the European Sports Association (ESSA) whose aim is to ensure fair betting for consumers.
The EGBA Mission
The mission of the EGBA is to ensure people playing on operator's websites that it is safe, reliable and secure. Ensuring this for consumers the agency has a list of self-imposed standards that include:
• Enforcement of consistent and high-level consumer protection in Europe.
• Offering binding and independent dispute settlement for consumers.
• Being educated in the changing technology environment.
One way of protecting consumers in the EBA is standards with licensing requirements by online gaming regulators in different jurisdictions in the European Union. The agencies standards were updated in 2011 to include remote gambling standards in agreement with the European Committee for Standardization and CEN standards which are a compulsory membership requirement for operators. The operator's compliance is verified by an annual eCOGRA audit that is mandatory, which is an independent agency based in London for standards and player protection.
Included in these EGBA standards is several layers of consumer protection that include:
Responsible Gaming and Betting
Responsible Safe Environment
Gambling and betting website operators must be legal and have an operating license from a reputable European regulatory authority. EGBA members must comply with the agencies standards and have an independent third party assessment on an annual basis. The EGBA members must submit to an annual financial statement audit and accounts by an external audit firm.
In these standards, operators should provide consumers with detailed information about the risk of online gaming. This should include links to qualified help sources, customer ability to set deposit and betting amounts, not providing credit to consumers, and allowing customers to self-exclude.
Preventing Underage Gaming and Betting
It must be displayed no players under 18 or 21 on the operator's homepage of the website and a clearly posted link about underage gambling. Provide an explanation and link to parents about filtering programs to prevent minors from having access to gambling and betting websites. Operators must monitor underage gaming and betting with random consumer checks of compliance with age restrictions.
Website online gaming operators have the obligation to provide customer support and satisfaction. Customers should have the benefit to logging complaints and disputes 24 hours a day, seven days a week. An independent company should be available for resolution or mediation of disputes from customers.
The website operator should ensure prompt payment processing that is subject to the necessary checks and verifications. Customers should be allowed to open only one account and provide at a minimum of information including a unique username, password, name, age, and address.
Independent Product Fairness Assessment
Website operators should implement a product testing policy that has the support and approval of EGBA senior management. This ensures the internal and external testing of all products for randomness and fairness.
Marketing should be responsible and ethical and to ensure advertisements should not attract underage betting and clearly not target underage consumers. The advertisements should be factual and correct information to avoid misleading consumers. Consumers should not receive third party unsolicited advertisements that spam.
Criminal or Fraudulent Behavior
Gaming and betting website operators should have a zero-tolerance policy for criminal and fraudulent behavior with anti-money laundering policies and reporting of unusual or suspicious activity. This should include unusual deposits, withdrawals and can include accounts with little or no betting activity. Login information and changes to details operators should require documentation for significant changes. This could be changing of names or banking details and operators should report suspicious transactions to the international institutions and relevant national financial investigation unit.
Agencies the EGBA is Associated
The EGBA is associated with agencies by sharing agreements including the sport's governing associations FIFA and the IOC.
The FIFA is the Federation of Internationale de Football Association and is the international governing body for football, beach soccer, and futsal. The organization was founded in 1904 to oversee international competition of the national associations of Belgium. They are responsible for major international tournaments like the World Cup that started in 1930 and the Women's World Cup that began in 1991. The organization has a membership of 211 national associations and is headquartered in Zurich Switzerland.
The ICO is the International Olympic Committee and is the authority over the worldwide Olympics and is an international non-profit and non-governmental organization. They support the ethical and environmental development of sport. This organization is based in Lausanne, Switzerland. Before the commencement of the 2014 Olympics the European Gaming and Betting Association, European Sports Security Association and the International Olympic Committee mad an agreement to report suspicious betting activity. This agreement is extended to other Olympic Games to safeguard major sports competitions from manipulated bets.
The Transparency Registry is another association the EGBA belong to that is a voluntary lobbyist register operated jointly by the EU Commission and the European Parliament.
EGBA members are members of the European Sports Security Association, an organization that promotes sports integrity and fights match fixing.
The EGBA partnered with the European Elite Athletes Association (EU Athletes) for Project Integrity. This is a project that educates players on match fixing. This project is co-funded by the European Commission project and the European Sports Security Association. The goal is to educate 25,000 players about sports betting integrity.
Responsible Gaming Day
One of the things the EGBA launched is Responsible Gaming Day in 2007 in Brussels, and every year this event is held. This is when EGBA organizes a conference called Responsible Gaming Day, which is an annual meeting on European gambling policy. It is a gathering of representatives from European institutions, stakeholders in the gambling sector and national regulators. They discuss the best practices of responsible gaming and betting in the European Union.
EGBA Agreements and News
The agency operators have an agreement to adhere to the Workshop Agreement for Responsible Remote Gambling Measures. This is published by the European Committee for Standardization (CEN) to provide a safe and secure gambling environment for consumers through the European Union. The publication provides evidence of self-based regulatory control measures for this safe and secure environment. The CEN agreement is important for the rapidly growing gambling sector in the European Union. The online gambling part of this industry is expected to represent more than 15 percent of the total European gambling market since in 2015 it reached € 13 billion.
The EGBA publishes a newsletter every quarter for its members with information about the current gambling industry issues at the European Union level. They include featured contributions from influential people in the industry or lawmakers like the European Commissioner. These newsletters can be found by the public on the EGBA website.
Percentages and Expected Gambling Projections
In published information, the EGBA states the European gambling online market is the largest worldwide with a gross of €34.6 billion in 2015 after stake winnings. Further, more than 47.6 percent was attributed the EU market.
They admit online gambling is a relatively new market with the gross gaming revenue (GGR) minus stake winnings is expected to rise to € 24.9 billion by 2020. Online gambling represented 17.5 percent of the total gambling market in Europe. The offline market in 2015 was €77.7 billion and expected to reach €84.3 billion by the year 2020. EGBA has determined the most popular European betting of online gambling products with it at 37 percent for betting, online poker at 24 percent and casinos at 12 percent.
What this amounts to is online gambling does not detract from land-based traditional gambling operators market. It is determined the difference is land based operators have long established products to offer gamblers. These include items found in casinos, bingo halls, betting shops and things like lottery tickets and scratch offs. The online gambling has different offerings with places to bet on sports games and play online poker or other games without leaving home and in some cases on mobile devices. The substitution level is negligible since the player profiles differ which type of gaming industry operation they choose. The one sector that is profitable is that traditional lottery operators can offer consumers online lotteries to participate in and along with betting and poker. This is an area of the industry that is profitable for both private and monopoly operators with monopolies totaling more than 20 percent of the European online gambling market. This percentage, when divided, is much higher in Northern Europe than in Eastern or Southern Europe. Both the land-based operators, the online operators, and monopolies revenue continues to expand especially if offering their land-based products to online consumers.
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