Top Online Casinos in Finland - November 2026
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Uncover and evaluate the top online casino sites in your country at GamingZion. We offer a user-friendly platform that simplifies the process of discovering the best online gambling destination that aligns with your specific preferences. Delve into a world of online gambling promotions available in Finland, featuring the latest online gambling bonuses and exclusive deals that will elevate your gaming experience. Enjoy exclusive perks such as priority access to free spins and the hottest no deposit online casinos bonuses for Finnish players, granting you a significant advantage as you embark on your gambling journey. Stay well-informed and make the most of our comprehensive resources, empowering you to fully optimize your online casino adventures and make informed decisions every step of the way.
Displaying online casino sites that accept players from Finland. To change country go to Country selector or to see all sites in our database visits Online casino Directory.
18+. New players only. Minimum deposit: BTC 0.002. Wagering requirement: 30×. Full Terms and Conditions apply.
18+. New customers only. Minimum $20 deposit required. Winnings from bonuses are capped at $5000. 50x wagering requirement applies. Unused bonus expires in 30 days. T&Cs apply.
18+. New players only. The free spins can be used on Age of the Gods™. 30x bonus wagering requirement applies. Bonuses are valid for 7 days after the issuing date. The wagering requirement for the free spins is 50x.T&Cs apply.
18+. New players only. 100% first deposit bonus up to €1,000. Wagering requirement: 35×. Valid for 7 days. Full Terms and Conditions apply.
3.00 / 5
Online casino sites in Finland are legal and licensed, and the offshore market also sits in a grey area. However, gambling laws here are very different from those in the rest of the world, including the Nordic region, with recent and upcoming changes. On 1 July 2027, online casinos and slots will open to companies holding a Finnish gambling licence, and the first licences have already been granted.
Three facts matter more than any free-spins banner. Only Veikkaus is legal today, and only Finnish licensees will be legal after July 2027. Winnings from Veikkaus are tax-free, and from July 2027 so are winnings from any Finnish licensee. And welcome bonuses, free spins included, are on their way out, because the new Act bans them.
Best Online Casino Sites In Finland
Here's the honest answer, and it isn't the one most casino lists give you. Today there is exactly one legal online casino for mainland Finland: Veikkaus. Every other casino taking Finnish players right now does it without a Finnish licence, however many Finnish flags it puts on the homepage. That changes on 1 July 2027. So this page does two things for now. It shows who is legal today and who is lined up for next summer. We'll rank the newcomers once they're live and we've put real money through them, because reviewing a casino that can't take a deposit yet would just be guessing. Veikkaus has applied to compete in the open online market too, but it wasn't among the first approvals. ComeOn Group has confirmed licences for both online casino and sports betting. Not one of these companies can take a deposit from a Finnish player before July 2027.A Quick Review of Finnish Casino Law
Online casinos are legal in mainland Finland only at Veikkaus until 30 June 2027, and from 1 July 2027 at any company holding a Finnish gambling licence. Physical slot machines and land-based casino games stay with Veikkaus.| Topic | The Rule | Where does it comes from? |
| Legal status today | Legal only at Veikkaus, exclusive right until 30 June 2027 | Lotteries Act (1047/2001) |
| Legal status from 1 July 2027 | Legal at any holder of a Finnish gambling licence | Gambling Act (10/2026) |
| Regulator | National Police Board until 30 June 2027, then the Finnish Supervisory Agency | Gambling Act |
| Licence for online casino | Gambling licence (rahapelitoimilupa), the same one used for betting, up to five years | Gambling Act |
| Slot machines in shops and land-based casinos | Stay with Veikkaus under an exclusive licence | Gambling Act |
| Minimum age | 18 | Lotteries Act and Gambling Act |
| Identification | Required for all play | Lotteries Act and Gambling Act |
| Tax on player winnings | None at Veikkaus. Until 30 June 2027, also none at EEA-licensed casinos. From 1 July 2027, tax free only under a Finnish licence | Income Tax Act, section 85 |
| Operator tax | 22% of gross gaming revenue from 1 July 2027 | Lottery Tax Act as amended |
| Bonuses and free spins | Bonuses to win new customers banned from 1 July 2027 | Gambling Act |
| Slot features | No autoplay, minimum spin time, stake caps by age | Draft decrees, consulted in 2026 |
| Limits | None at Veikkaus. Until 30 June 2027, also none at EEA-licensed casinos. From 1 July 2027, tax free only under a Finnish licence | Income Tax Act, section 85 |
| Self-exclusion | 22% of gross gaming revenue from 1 July 2027 | Lottery Tax Act as amended |
| Bonuses and free spins | Bonuses to win new customers banned from 1 July 2027 | Gambling Act |
| Credit and crypto | Both banned for gambling | Gambling Act |
| Playing at unlicensed casinos | Not a crime for the player, but winnings can be taxed and you get no Finnish protection | See the section on penalties |
| Åland Islands | Separate law and operator (PAF) | Åland legislation |
What Changed In 2026
2026 is the year Finnish casino regulation went from a plan to a rulebook. These are the changes that matter for players. According to Finlex, the Gambling Act was published on 20 January 2026 as statute 10/2026. According to the Finnish Government, companies could apply to the National Police Board from March 2026; licensees can start running and marketing games when the Act takes effect on 1 July 2027, and the Board remains the licensing authority until 30 June 2027. Eighteen licences were granted by the end of October. According to iGaming Business, the Ministry of the Interior's draft decrees ban online autoplay, cap online slot stakes at 10 euros per spin for players under 25 and 20 euros for older players, add aggregate loss limits, and cap physical machines at 10,000 in retail outlets, 2,000 in gaming halls and 400 in the sole casino in Helsinki.Is Online Casino Legal In Finland?
Yes, for adults. Right now, online casinos are legal only at Veikkaus, and from 1 July 2027, at any company with a Finnish gambling licence. The legal risk has always sat with whoever runs or advertises the casino, not with the player.The Licence System In Plain English
Finland has run gambling on one idea for decades: gambling money should serve the public good, so the state runs the games. Under the Lotteries Act, Veikkaus Oy has the exclusive right to organise gambling in mainland Finland, and nobody else may organise or market it here. That's the system until 30 June 2027. The new Gambling Act splits it. Online products that cross borders easily open up. Products with physical roots stay with the state. According to Veikkaus Group, Parliament approved the Act on 16 December 2025; Veikkaus loses its exclusive right to betting, online slots and online casino in summer 2027, keeps lotteries, scratch cards and physical slot machines and casino games, and estimates that 600 to 900 million euros a year is already played outside the official system. Online casinos are the main reason for that number, I'd argue. The monopoly simply lost the online slot player years ago. The new law is Finland admitting it and trying to bring that money back under Finnish rules. One geographic footnote: the Åland Islands have their own gambling law and their own operator, PAF. This page is about mainland Finland.The Regulator
Today the National Police Board's gambling administration supervises Veikkaus, deals with illegal gambling and marketing, and handles the licence applications. From 1 July 2027, it moved to the Finnish Supervisory Agency, Lupa- ja valvontavirasto in Finnish, which became the licensing and supervisory authority. Why a police body in the first place? Because under the monopoly, any casino other than Veikkaus was a criminal law question. A licensed market needs a regulator that works in audits, game rules, and fines instead. Sensible, I think, though nobody knows yet how strict the new agency will be in practice.iGaming Licences in Finland
One licence covers it all for an online casino. According to Borenius, the gambling licence runs for up to five years and covers online casino games, online slot machines, online money bingo and betting, while Veikkaus's exclusive licence runs for up to ten years and covers lotteries, scratch cards and physical slot machines and casino games. The law firm lists an application fee of 29,000 euros, annual supervision fees from 4,000 to 434,000 euros depending on gaming revenue, a gambling software licence that becomes compulsory for suppliers on 1 July 2028, and penalty payments of up to 4% of the previous year's turnover, capped at 5 million euros. That software licence matters more to casino players than to bettors. From mid-2028, the slot studios and live casino providers behind a Finnish casino must hold a Finnish licence themselves. So the games, not just the casino, come under Finnish supervision.Can Players Be Penalised For Gambling?
No, not in any realistic sense. Finnish law goes after those who organise and market gambling, not the person spinning the reels, and I'm not aware of a Finn being prosecuted for playing at a foreign casino. That doesn't mean nothing can go wrong for you. Payment blocking against unlicensed operators has been possible since 2023. According to Next.io, Betsson moved its online gambling brands to a new holding company after Finland's National Police Board put the business on its payment blocking list, which requires banks and payment providers to block payments from Finland to it. If a casino lands on that list while your money is on it, you could have a problem. Add the tax risk below and the lack of any Finnish authority to help with a dispute.Offshore Casinos And Pikakasinot
According to Sumsub, Finland increased action against the promotion of illegal gambling in 2026, with conditional fines of up to 1.2 million euros. After July 2027, it gets stricter still. According to Vixio, the new Act bans affiliate marketing, influencer promotions and acquisition bonuses, and applies a flat 22% tax on gross gaming revenue to licensed operators and Veikkaus alike. However, offshore casinos don't check Veikkaus's game bans or the coming central register, and they don't have to follow the Finnish stake caps or the autoplay ban. Those rules exist because slots are the product that hurts people most here. If you wish to take this route, just take a look at our online casino reviews.Do You Pay Tax On Casino Winnings In Finland?
Not at Veikkaus. Veikkaus pays the tax on its side, so your winnings are yours. According to Vero, the Finnish Tax Administration, winnings from gambling organised outside Finland and the EU or EEA are taxable earned income; gross slot machine winnings are taxed with no deduction for stakes, and records must be kept for years. Earned income means your normal progressive rate. Plenty of websites still say offshore casino winnings are taxed as capital income at 30%.Finnish Casino Culture, Lingo And Quirks
Finland has had state-run slot machines since 1938, and for most Finns a slot machine was something you passed at the supermarket checkout long before it was something on a phone.Local Gambling Culture
Casino gambling in Finland grew up as charity, of all things. According to STT Info, in its founding year of 1938, the slot machine association RAY handed out support to 84 organisations, and the classic pajatso coin machines vanished from bars, shops and arcades when RAY dropped them in 2015. Ask any Finn over forty about pajatso, and you'll get a story. The company’s revenue came from slot machines, casino games and digital gaming; its proceeds went to domestic charities, and in 2017 it merged with Veikkaus and the horse betting company Fintoto. So for decades, losing a few euros on a machine in the corner shop was, in a roundabout way, funding the local health charities. Then the internet started to spread in the gambling circles. The slot player moved to the phone, and most of them moved to sites without a Finnish licence. The pikakasinot, where you deposit straight from your bank and start playing in a minute, fit Finnish banking habits perfectly. They spread faster here than almost anywhere.Local Gambling Lingo
| Finnish term | What does it means? |
| Nettikasino | Online casino |
| Kolikkopeli / slotti | Slots game |
| Raha-automaatti | Slot machine, the physical one |
| Poytapeli | Table game |
| Live-kasino | Live dealer casino |
| Palautusproscentti | Return to Player (RTP) |
| Jattipotti | Jackpot |
| Volatiliteetti | Volatility |
| Kierratysvaatmus | Wagering Requirement |
| Illmaiskierrokset | Free Spins |
Finland's Special Infrastructure
According to Public Gaming, every Veikkaus game has required identification since the start of 2024, down to scratch cards. Anonymous gambling is gone from the legal market. Also, don’t be surprised if you find a slot machine in the supermarket. In Finland, that’s normal. In fact, the law requires operators to make it bilingual. According to MTV Uutiset, Veikkaus caps losses on fast-paced games like slots at 500 euros a day and 2,000 euros a month, within an annual limit of 15,000 euros. Players can set lower limits themselves.A Short History Of Finnish Casino Gambling
1938 and 1940
According to Taylor & Francis, Finland's two gambling monopolies were founded in 1938 and 1940: RAY for slot machines and Veikkaus for sports betting, mostly football pools.2015 and 2016
RAY retires the pajatso machines. Around the same time, Pay N Play appears. According to SBC News, the first live Pay N Play brand was No Account Casino in 2015, licensed in Malta and Sweden, with Ninja Casino an early success. Finland quickly became one of its biggest markets.2017
Veikkaus, RAY and Fintoto merge into one state monopoly.2021 to 2024
Identification becomes compulsory step by step, starting with slot machines in shops and finishing with scratch cards. Payment blocking against offshore operators becomes possible in 2023.2025 and 2026
Parliament passes the Gambling Act in December 2025, applications open in March 2026, draft slot rules appear in June, and the first licences come through in October.2027
On 1 July, online casino and slots open to licensed competition. Almost ninety years of state control, then. And what ended it wasn't a change of heart about gambling. It was the slot player quietly moving offshore, one bank login at a time.Casino Games Finns play.
Slots dominate Finnish online casino play by a distance, with live casino a clear second and classic table games behind.Online Slots
Slots are the Finnish online casino. They're quick, they work well on a phone, and they're the direct descendant of the machines Finns grew up with in shops and petrol stations. If you play at all, you probably play these. They're also changing the most. Under the draft decrees, a Finnish-licensed slot from July 2027 won't have autoplay, won't spin faster than once every 2.5 seconds, and will cap your stake per spin depending on your age. If you're used to offshore slots with turbo mode and 100 euro spins, a licensed Finnish slot will feel slower. That's the point. Whether players accept it or drift back offshore is, honestly, the big open question of the whole reform. The online casino news in Finland is always about new slots or new manufacturer deals.How RTP And Volatility Actually Work
RTP, or palautusprosentti, is the share of all money staked that a game pays back over a very long run. A 96% slot keeps 4 euros of every 100 euros staked, on average, over millions of spins. Not over your evening. Over your evening, anything can happen. Volatility describes how that return is delivered. A low-volatility slot pays small wins often. A high-volatility slot can go quiet for hundreds of spins, then pay a big hit. Same RTP, very different ride, and very different damage to a budget.Live Casino
Live dealer games, streamed from studios with real tables and real dealers, are the second big category. Blackjack, roulette, baccarat, and the game-show style titles are all popular. Finnish-speaking tables have been a selling point for offshore casinos for years, and I'd expect licensed operators to fight over them after July 2027. A quick tip: live game shows look like entertainment, and they are, but their RTP is often lower than classic blackjack or roulette. Check before you sit down.Table Games: Blackjack, Roulette And Baccarat
The classics still have a loyal crowd. Blackjack played with basic strategy offers some of the best returns in the casino. European roulette, with a single zero, has a house edge of about 2.7%; American roulette, with two zeros, is worse. Baccarat is simple and has a low edge on the banker bet. None of these change the basic maths: over time the house wins. They just win more slowly.Jackpots
Progressive jackpots pool a small share of every stake across many casinos until someone hits the top prize. The headlines are huge. The trade-off is usually a lower base RTP, because part of every spin feeds the pot. Fine for a dream at a small stake. A poor choice if you're trying to make your budget last.Poker And Bingo
Online money bingo opens to licensed competition in July 2027. Poker has its own guide; see the links in the other gambling section below.Payment Methods For Finnish Online Casinos
Most Finnish casino players pay straight from their bank account, by online bank payment, Trustly-style bank login, or a mobile app like MobilePay or Siirto. From July 2027, credit and crypto are banned at licensed casinos. Today, only Veikkaus is legal, so the last column describes the rules from 1 July 2027. Availability varies by casino, so check the cashier. Measured payout times come from our test log in the operator table.| Method | Deposit | Withdrawal | Allowed at licensed casinos? | Offshore market |
| Online bank payment | Instant | Yes, back to your account | Yes | Yes |
| Trustly / Pay n Play | Instant | Yes | Yes | Offshore is available |
| Zimpler / Brite | Instant | Yes, where offered | Yes | Less common than Trustly but yes |
| Vipps | Instant | Depends on the casino | Yes | Yes |
| Siirto | Instant | Depends on the casino | Yes | Fewer users than MobilePay |
| Debit card | Instant | Yes, usually slower | Yes | Yes |
| Siru Mobile | Instant | No | Sometimes | Common at offshore platforms |
| Prepaid vouchers | Instant | No | Rarely | I don’t recommend it |
| Credit Card, BNPL, Loans | Not available | Not available | No | Don’t recommend it |
| E-wallets | Instant | Yes, where offered | Yes | Yes |
| Crypto | Not available | Not available | No | Most preferred method |
Online Bank Payments And Siirto
The Finnish classic: pick your bank at checkout, log in, approve. No card involved. Siirto is the bank-backed instant payment inside the big banking apps. According to Nordea, Siirto was relaunched in June 2026 with wider coverage for domestic instant payments. Safe, boring, fast. Boring is good with money.Trustly and Pay N Play
Trustly is a bank payment made through your own bank login. Pay N Play is the shortcut built on top: your identity and first deposit happen in one step, and the casino builds your account from your bank details. Withdrawals go straight back to the same account, often within minutes. Don't confuse no registration with no checks, though. A licensed Finnish casino using Pay N Play after July 2027 will still know exactly who you are, still check the central self-exclusion register and still need your transfer limits. Only the sign-up form disappears.MobilePay
MobilePay is the payment app most Finns actually use. According to Finance Finland, 63% of respondents in its payment survey used MobilePay, 12% used both MobilePay and Siirto, and 2% used Siirto alone. According to Taloustaito, the app will become Vipps in Finland in January 2027, so the button may look different when the market opens. If your MobilePay is linked to a credit card, switch it to debit before you use it at a casino.Strong Identification
Your online banking credentials or mobile ID prove who you are. They don't move money on their own. When you see a bank login during a deposit, it's confirming your identity to the bank or payment provider. Licensed casinos will use the same identification for sign-up, because the law requires it.Zimpler And Brite
Both do broadly what Trustly does: bank payments confirmed through your bank. Is there a real difference for a player? Hardly. Use whichever the casino offers and pays out the fastest.Debit Cards, E-wallets, Siru And Prepaid
Debit cards are fine, though withdrawals tend to be slower than bank methods. Many Finnish cards are combination cards with a debit and a credit side, so choose debit or the deposit may bounce once the credit ban applies. E-wallets like Skrill and Neteller add a step most Finns don't need. Siru Mobile, which charges deposits to your phone bill, is popular on offshore casinos and is deposit-only. So are prepaid vouchers like Paysafecard. With a working bank account, I don't really see the point of either.Credit Cards
Credit cards, credit lines, loans, and buy now, pay later are out at licensed casinos, as covered in the law section. Slots on borrowed money is about the fastest route I know from a hobby to a debt problem, so this is one rule I'm glad to see.Crypto
Gambling with crypto is banned under the new Act, so no Finnish-licensed casino will take Bitcoin. The casinos that take crypto from Finns are, as a rule, licensed somewhere outside the EEA, if anywhere. Which brings back the offshore problems: no Finnish protection, payment blocks, and winnings that count as taxable earned income. We don't list them.Online Casino Sites Accepting EUR
Unlike its Nordic neighbors, Finland is in the Eurozone. This means that the general offer in their local currency is a lot bigger than in Sweden or Norway, for example. The same goes for gambling. There are many online casino sites accepting EUR, which benefits gamblers as they don’t have to pay any conversion fees.Bonuses And Promotions In Finland
The online casino bonuses in Finland are complicated, but the offshore market gives us better options. As for the nationally run operators, we have bad news. From 1 July 2027, licensed Finnish casinos can't use bonuses to win new customers: no deposit match, no welcome free spins. If you're waiting for a welcome bonus war when the market opens, it isn't coming.The Bonus Ban Coming In July 2027
There are many elements to keep in mind when browsing the online casino promotions in Finland. And this is one of the strictest parts of the new Act. Acquisition bonuses are banned, and so are affiliate and influencer marketing, as covered in the offshore section. Marketing also may not offer free games or discounts. Sweden still allows one bonus per customer, the first time you play. Finland skipped even that. Today, the only legal casino is Veikkaus, and the offshore casinos Finns see advertised are full of bonuses. Which says something, I think. The size of a welcome offer was never a measure of how good a casino is. Mostly it measured how badly the casino needed you.Wagering Requirements And Terms To Read
A wagering requirement tells you how much you must bet before bonus money turns into cash. You'll keep seeing them offshore until July 2027 and probably after. According to AGBrief, a Kasinohai study of 50 casinos aimed at Finns found that 22 of them, 44%, calculated wagering on the deposit plus the bonus rather than the bonus alone, 44% didn't state a maximum bet limit when the bonus was claimed, and 58% capped bonus winnings, in some cases below 100 euros. Read these before you click:- Wagering multiple: and whether it's on the bonus alone or on bonus plus deposit.
- Maximum bet: going over it is one of the most common reasons a bonus and its winnings get voided.
- Game weighting: slots usually count 100%, live and table games often much less or nothing.
- Winnings cap: some offers cap what you can cash out, however much you win.
- Time limit and excluded payment methods: short windows push you to play faster; e-wallets and phone billing are often excluded.
The Value Of RTP
This is the part I wish more players understood, and after July 2027 it's the only part that will matter in Finland. Do the sums on a typical offshore offer: a 100 euro bonus with 35x wagering on the bonus. You'll have to stake 3,500 euros. On a 96% RTP slot, the expected cost of that turnover is about 140 euros. So the bonus is worth roughly minus 40 euros in expectation, before any cap or voided-bonus surprise. If the wagering applies to deposit plus bonus, the turnover doubles to 7,000 euros, with an expected cost of about 280 euros. That's not a gift. That's a subscription. Now compare RTP. Say you stake 2,000 euros over a year. On a 96% version of a slot, the expected loss is about 80 euros. On a 94% version of the same slot, it's about 120 euros. That's 40 euros back in your pocket every year just for checking the info screen, with no terms attached. These are illustrative numbers, not any casino's real figures. But the logic holds. Once licensed casinos arrive, compare the RTP versions they run before you settle on one.Customer Support At Finnish Online Casinos
Expect support in Finnish at any legal casino. The new Act also requires licensees to have proper procedures and trained staff for disputes and player issues.Finnish-language Support, Hours And Channels
Here's what our test log shows. We ask the same three questions on each channel, in Finnish and in Swedish where offered: one about limits, one about a game result, one about a delayed withdrawal. For now, that's Veikkaus only. We'll add licensees from launch week.Responsible Gambling On Finland
If playing has stopped being fun, free help is one call away: Peluuri's helpline is 0800 100 101, on weekdays from noon to 6 pm. Please don't wait until it feels serious enough. There's no such threshold.Why Online Slots Get The Strictest Rules
I'll be blunt, because it matters on a casino page. Online slots are the game that causes the most harm in Finland. According to Peluuri's 2025 annual report, 95% of the gamblers who contacted its helpline and chat played mainly online; online slot machine games caused the most problems for both the helpline and Peli poikki programme clients, and 77% of those starting the Peli poikki programme had gambling debts, with 60% of them owing more than 10,000 euros.Mandatory Tools Every Licensed Casino Must Offer
- Identification before play: no anonymous gambling in the legal market.
- Transfer limits: daily and monthly limits on what you move into your account, set by you.
- Loss limits and stake caps: Veikkaus already caps losses on fast-paced games, and the draft decrees add loss limits and per-spin stake caps by age.
- Slot design rules: no autoplay and a minimum spin time, per the draft decrees.
- Central self-exclusion: one register covering every licensed operator, plus operator-level and game-type blocks.
- Duty of care: operators must monitor play and contact players who show signs of harm.
- Marketing limits: no direct marketing without consent, and none to self-excluded players.
National Support In Finland
Peluuri runs the national helpline and chat for players and families, free and confidential, and in English where possible. It also runs OmaPeluuri and the Peli poikki self-help programme online. Today, self-exclusion in Finland means a game ban at Veikkaus. From July 2027, a central register covers every licensed casino at once, and an exclusion until further notice lasts at least a year. It can't reach unlicensed sites, though. Blocking software helps close that gap; see below.Treatment And Peer Support In Finland
Gambling problems count as a health issue here. Start with your health centre or the mental health and substance abuse services of your wellbeing services county, which can refer you on. The A-Clinic network has worked with gambling problems for years. Peer support helps a lot of people. Pelirajat, run by the Sosped Foundation, organises peer groups for gamblers and families around the country. According to Päihdelinkki, Gamblers Anonymous groups meet in Helsinki, Turku and other towns. If debt is part of the picture, use free debt advice early rather than late.International Support Options
If you're outside Finland or prefer English, Gambling Therapy offers free online support, and Gamblers Anonymous runs meetings in many countries. Blocking tools like Gamban and BetBlocker stop your devices from reaching gambling sites, including the offshore casinos no Finnish register covers.Hotline Numbers And Problem Gambling Help Links
| Peluuri | 0800 100 101, peluuri.fi | Free gambling helpline and chat, players and families |
| Velkalinja (Debt Line) | 0800 9 8009 | Free debt and money advice |
| Pelirajat’on | pelirajaton.fi | Peer support groups |
| MIELI Crisis Helpline | 09 2525 0111 | If you’re in crisis |
| Emergency | 112 | If you or someone else is in danger |
