I just wanted to ask that is there any changes to use paybyphone
to buy toricredits in estonia? If not, can i order toricredits via
bank without creditcard? Because i am not 18 yr old yet and i dont
have creditcard, but i have bank account.

Can everybody help?

You can use Paypal, no need for credit cards there.

Check out my tutorial in this board (Howto : Use PayPal without Credit Card in the Support Board).