Updated September 28, 2026 · WagerCue Editorial Team
paf vs theLotter
theLotter
paf
Higher score in this comparison
What sets them apart
| Compare | pafReviewSee alternativesSee alternatives | theLotterReviewVisitVisit |
|---|---|---|
| Welcome offer | 10 super spins (casino) or 2 x 5 EUR free bet (betting) | 25% cashback and 15 free spins on Cheeky Fruits 6 Deluxe on the first lottery order (new users) |
| Regulators | Aland Islands provincial government (Landstinget) | Malta Gaming Authority |
| Withdrawal time | Real time to bank account | approximately 3 business days |
| Payment methods | Nordea, Osuuspankki, Danske Bank, Alandsbanken, S Bank, Aktia, Saastopankki, POP Pankki, Oma Saastopankki, Siirto, MobilePay, Apple Pay, Zimpler, Skrill, Revolut | Visa, Mastercard, Bank transfer |
| Products | Poker, Bingo, LotteryCovers more | Lottery |
| Responsible gambling tools | Deposit limits, Cool off, Self exclusion | Deposit limits, Cool off, Self exclusion, Reality checkCovers more |
| Minimum deposit | €10 | Not confirmed |
| Withdrawal time (hours) | Not confirmed | 72 hours |
We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings. Partners with a live offer in your country come first, then every other brand by score.
Key differences
- paf scores higher overall: 9.4 vs 8.9.
- Regulators: only paf offers Aland Islands provincial government (Landstinget).
- Regulators: only theLotter offers Malta Gaming Authority.
- Responsible gambling tools: only theLotter offers Reality check.
- Founded is lower at paf: 1966 vs 2002.
- Payment methods: only paf offers Nordea, Osuuspankki, Danske Bank.
- Payment methods: only theLotter offers Visa, Mastercard, Bank transfer.
- Products: only paf offers Poker, Bingo.
- Support channels: only paf offers Email, Chat.
- Features: only paf offers Fast payouts.
Our verdict on each
paf
Paf suits Nordic and Finnish players who want a low-stakes, quick cash out casino and sportsbook run by a long-standing public operator. The €10 minimum deposit and a 0 wagering requirement on the welcome offer keep costs low, and withdrawals are real time to a bank account.
theLotter
theLotter is a lottery only operator with a Malta Gaming Authority licence, operating since 2002, and it suits adults who want one product plus a simple cashback welcome offer. Withdrawals settle in approximately 3 business days, well behind Islensk Getspa and Getraunir's instant bank payouts, and the range covers lotto draws alone.
Score breakdown
| Area | paf | theLotter |
|---|---|---|
| Cost | 9.5A €10 minimum deposit sits close to the site median of €8.77, and the offer carries a 0 wagering requirement. | Not confirmed |
| Offer | 9.6Higher | 8.5Welcome offer pairs cashback on a first lottery order with free spins for new users, and welcome bonus is the only offer model listed. |
| Trust | 9.1 | 9.1 |
Pick paf if, pick theLotter if
Pick paf if offer and products matter most.
Pick theLotter if responsible gambling tools matter most.
How they place
| Ranking | paf | theLotter |
|---|---|---|
| Online lottery sites | 10 of 108 | 1 of 108 |
Every fact side by side
| Fact | paf | theLotter |
|---|---|---|
| Features | Fast payouts, Mobile appCovers more | Mobile app |
| Pricing model | Welcome bonus | Welcome bonus |
| Legal entity | Alands Penningautomatforening (Paf) | Lotto Direct Limited |
| Headquarters | Aland Islands | Malta |
| Founded | 1966Lower | 2002 |
| Support channels | Email, Chat, Phone, Help centreCovers more | Help centre, Phone |
Sportsbooks
| Fact | paf | theLotter |
|---|---|---|
| Wagering requirement | 0 | Not confirmed |
| Sports markets | Ice Hockey, Football, Tennis, Basketball, Esports, Table Tennis, Volleyball, Formula 1, Cricket, UFC/MMA, Winter Sports, American Football, Motorsports, Baseball, Chess, Handball, Pesapallo, Boxing, Darts, Golf | Not confirmed |
| ID checks | Required | Not confirmed |
| Restricted countries | United States, Russia, Turkey | Not confirmed |
| Sportsbook type | Bookmaker | Not confirmed |
| Bonus types | Free bet | Not confirmed |
Where each stands against the rest
| Fact | paf | theLotter | Median |
|---|---|---|---|
| Minimum deposit | €10above the median | Not confirmed | €5 |
| Withdrawal time (hours) | Not confirmed | 72 hourshighest quarter | 4 hours |
Median across 107 listed gambling operators.
Pros and cons
paf
Pros
- No wagering requirement on the welcome offer (0), which is lighter than most bonus offers in this group
- Withdrawals are real time to a bank account (Real time to bank account), and fast payouts are a listed feature (fast payouts and mobile app)
- Low entry point of €10 against a site median of €8.77
Cons
- Identity checks are required (required), so sign-up involves documentation before a first withdrawal
- The licence is held by a single provincial authority in the Aland Islands (Aland Islands provincial government (Landstinget)), not by a multi-jurisdiction regulator
- Sports betting runs as a bookmaker model (bookmaker) rather than an exchange, so no peer-to-peer markets
theLotter
Pros
- The range is lottery only, so the site stays focused on draws
- Licensed by the Malta Gaming Authority and operated by Lotto Direct Limited
- Responsible gambling settings run through deposit limits, cool off and self exclusion
Cons
- Withdrawals take approximately 3 business days, while Islensk Getspa and Getraunir pays Instant to the bank account chosen in the Aur app
- The range is lottery only, with no sportsbook, poker or bingo lines to switch to
- Support runs on help centre and phone only, so no live chat is listed
Who each suits
paf
Who it suits
- Adults in Finland and the Nordic region paying with local banks or MobilePay (Nordea, Osuuspankki and Danske Bank)
- Casino players who want spins without clearing a wagering condition (0)
- Bettors who want a single account covering casino, sportsbook, poker, bingo and lottery (poker, bingo and lottery)
Who should look elsewhere
- Players outside the Aland Islands, Russia or Turkey, where access is restricted (US, RU and TR)
- Anyone who wants a site with no identity checks (required)
- Crypto-first players, since the payment list is bank and wallet based (Nordea, Osuuspankki and Danske Bank)
theLotter
Who it suits
- Adults who play lotto draws and want one regulator and one product to deal with
- Players who set deposit limits, cool off periods and self exclusion, all part of deposit limits, cool off and self exclusion
- Anyone comfortable paying by Visa, Mastercard and Bank transfer and playing in the app
Who should look elsewhere
- Not for players who want instant bank payouts: Islensk Getspa and Getraunir pays Instant to the bank account chosen in the Aur app
- Not for players who want UK regulation: LottoGo is listed under UK Gambling Commission
- Not for casino bonus hunters: Synot Tip SK spreads a deposit bonus over several tranches with free spins on registration
Current offers
paf
Current offer
Free bet
Welcome bonus: 10 Super Spins (casino) or 2 x 5 EUR Free Bet (betting): 10 super spins / 2 x 5 EUR
Wager free; choose one offer on registration
Source, checked September 26, 2026
Bonus
20 Free Spins: 20 free spins (0.20 EUR/spin)
Play 30 EUR
Source, checked September 26, 2026
Bonus
3 Bingo Tickets: 3 tickets (2 EUR/ticket)
Play 30 EUR
Source, checked September 26, 2026
Bonus
30 Bingo Tickets: 30 tickets (0.10 EUR/ticket)
Play 20 EUR
Source, checked September 26, 2026
Bonus
2,000 Free Spins to share: 2,000 free spins
New casino tournament every day
Source, checked September 26, 2026
theLotter
Current offer
Free bet
Subscription: Every 7th ticket free: every 7th ticket free
Valid on Standard Entries.
Source, checked September 26, 2026
Discount code
Scratchcards discount: up to 15% off
Participating scratchcards include theLotter Star Scratch, theLotter Star Extra, US Power and US Mega; limited-time discount prices.
Source, checked September 26, 2026
Country by country
| Country | paf | theLotter |
|---|---|---|
| Aland Islands | Yes | No |
| Malta | No | Yes |
Questions about each
paf
What is the minimum deposit at Paf?+
The minimum deposit is €10, which sits close to the site median of €8.77 and below the upper quartile of €11.62. That makes it one of the more accessible entry points among casinos. Banking options start with the regional banks and MobilePay in Nordea, Osuuspankki and Danske Bank.
Does the Paf welcome bonus have wagering requirements?+
No. The wagering requirement is 0, so there is no turnover target to clear before taking bonus winnings out. The offer itself is 10 super spins (casino) or 2 x 5 EUR free bet (betting), covering spins for the casino and a free-bet element for the sportsbook. Individual spins and bets can still carry their own stake-return rules.
theLotter
Who regulates theLotter?+
TheLotter holds a licence from the Malta Gaming Authority, listed as RN/110/2019. The operator behind the site is Lotto Direct Limited, based in Malta and trading since 2002. LottoGo is the alternative here if a licence under UK Gambling Commission matters more to you.
What does the new customer welcome offer include?+
New users get cashback on a first lottery order along with free spins on a fruit themed slot. The offer is tied to the opening order rather than a standing reward, so it suits someone placing a first draw. Set limits through deposit limits, cool off and self exclusion before playing the bonus funds.
Other options to compare
Other matchups
theLotter