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EstoniaRiigi Teataja

Estonia requires an online withdrawal function from September

From 1 September 2026, the law specifies a prominent withdrawal function, electronic submission and prompt confirmation; separate rules cover financial-service interface design.

By Taxxa AI OyPublished 1 September 2026

Legal & Corporate

Industry: Across industries

Estonia’s Law of Obligations Act sets out an online withdrawal process from 1 September 2026Riigiteataja for contracts concluded through an online interfaceRiigiteataja. Traders must enable consumers to withdraw using a prominent withdrawal button or similar functionRiigiteataja. Businesses should review the availability, submission and confirmation steps of that process against the statutory requirements.

The withdrawal function must remain continuously and easily accessible throughout the withdrawal periodRiigiteataja. It must be labelled “Taganen lepingust”, or other unambiguous, easily readable wordingRiigiteataja. The online declaration must let the consumer easily enter or confirm their name, information identifying the contract and details of the electronic means through which acknowledgement will be sentRiigiteataja.

After completing the declaration, the consumer must be able to transmit it through a confirmation button or similar function labelled “Kinnitan taganemise”, or equally clear wordingRiigiteataja. The trader must promptly acknowledge receipt on a durable mediumRiigiteataja. That acknowledgement must show the declaration’s contents and the date and time of transmissionRiigiteataja.

Withdrawal is treated as timely if the consumer sends the declaration within the withdrawal periodRiigiteataja. The process therefore connects the interface’s availability with evidence of what was submitted and when. Businesses should check that their confirmation record captures the information required by the provision.

A separate Consumer Protection Act provision, also effective from September, addresses interfaces used to conclude distance financial-service contractsRiigiteataja. Traders must not design or operate them in ways that deceive or manipulate consumers or materially impair their ability to make free and informed decisionsRiigiteataja. The examples include giving particular choices prominence, repeatedly demanding a choice already made, and making termination harder than signing up.

That financial-services rule should be assessed within its stated scope when reviewing customer journeys. The withdrawal-function requirement is in the Law of Obligations Act’s separate section 56⁴, numbered 56 with a superscript 4Riigiteataja, while the financial-interface rule is in section 18¹ of the Consumer Protection ActRiigiteataja. Together, the provisions give affected businesses specific interface and confirmation requirements to check as part of their September compliance work.

Check the online withdrawal function, declaration fields and acknowledgement record, and review financial-service interfaces within the rules’ stated scope.

Sources