Our AML and Verification Policy

We verify every account at Winners Casino because our Curaçao eGaming licence (8048/JAZ2021-054) requires it and because it keeps your funds safe. This page sets out exactly what we check, when we check it and what we need from you.

Our AML Commitment

Winners Casino operates under licence 8048/JAZ2021-054 issued by Curaçao eGaming (Antillephone N.V.). We run an anti-money-laundering programme aligned with the obligations of that licence: risk assessment of every account, customer due diligence, transaction monitoring and suspicious-activity reporting to the relevant authorities.

We have appointed a Money Laundering Reporting Officer (MLRO) who owns this programme and reviews it against current regulation and guidance. Our staff receive annual AML training, and our monitoring systems flag patterns that do not match a player's normal profile for manual review by the compliance team.

• Risk-based customer due diligence at registration and on an ongoing basis
• Automated and manual transaction monitoring on all deposits and withdrawals
• Suspicious Transaction Reports filed where legally required
• Sanctions and Politically Exposed Person screening on all accounts

When We Verify Your Account

Verification triggers

Identity verification (KYC) runs at three points: at registration we run electronic identity and sanctions checks; before your first withdrawal we require full document verification; and at thresholds set by our compliance policy we refresh checks on activity that falls outside your usual pattern.

You will also see enhanced checks if your cumulative deposits reach a level we treat as higher risk, or if a payment method needs to be matched to your identity. Verification before the first withdrawal is mandatory, so we recommend sending documents early to avoid delays on your payout.

• At registration: electronic identity, age and sanctions screening
• Before your first withdrawal: full document verification
• At deposit thresholds set by our AML risk policy
• On any transaction pattern flagged by our monitoring systems

Documents we require

We need three things: proof of identity, proof of address and proof that the payment method belongs to you. Documents must be valid, legible and show all four corners of the original.

• ID: passport, national ID card or driving licence
• Proof of address: utility bill or bank statement dated within the last 3 months
• Payment method: photo of the card (first 6 and last 4 digits visible) or a screenshot of your e-wallet or crypto wallet showing your name
• Additional documents on request, e.g. bank statements for source-of-funds checks

How Verification Works

Verification is a five-step process and most accounts clear within 24 hours of us receiving clear documents. If anything is illegible or a name does not match across documents, we will email you with the specific problem rather than rejecting the file silently.

Documents are uploaded through a secure, encrypted channel in your account area. Access is limited to our compliance team, files are stored on encrypted servers, and we never share them with third parties except where we are legally obliged to do so.

• 1. Upload your documents in the verification section of your account
• 2. Our compliance team runs automated checks on validity and legibility
• 3. We cross-match your name, date of birth and address against our records
• 4. We confirm approval or request a replacement document by email
• 5. Withdrawals are released once all checks pass

Source of Funds Requests

Under our licence conditions we must understand where money wagered on our platform comes from. For most players nothing more than standard verification is needed. Where deposit levels or patterns cross our risk thresholds, we will ask you to show the origin of the funds you play with.

A source-of-funds request is not an accusation. It is a legal obligation on our side, and it protects you as much as us. Acceptable evidence includes payslips, employment contracts, pension statements, audited company accounts or a bank statement showing the money arriving from a traceable origin.

We aim to review source-of-funds evidence within 3 business days. Funds already in your account remain yours throughout the review; we simply pause withdrawals until the evidence satisfies our obligations.

• Common triggers: large single deposits, repeated high-value deposits, deposits inconsistent with declared income
• Acceptable evidence: payslips, tax returns, bank statements, dividend or sale documentation
• Evidence is reviewed within 3 business days of receipt

How We Monitor Transactions

Every deposit and withdrawal on our platform is screened by rule-based monitoring and reviewed manually when a rule fires. Checks cover deposit frequency, size, payment method changes and the relationship between deposits and withdrawals.

We operate a same-method withdrawal rule: where technically possible, winnings are paid back to the same method you deposited with, in proportion to what you deposited. If your withdrawal method is unavailable, we will agree an alternative with you after verification.

Our platform limits are a minimum deposit of £10, a minimum withdrawal of £10 and a maximum withdrawal of £5,000 GBP per day. Withdrawals to e-wallets and crypto are processed within 24 hours; cards and bank transfers take 1 to 3 business days. We charge no fees on either side.

If Verification Fails

If documents are missing, expired or inconsistent, we place a verification hold on the account: play stops and withdrawals are paused until the issue is resolved. Deposits already made remain in your balance and are returned to a verified payment method in your name once the account is closed or cleared.

If we cannot establish your identity after reasonable attempts, or if we have grounds to suspect that funds come from criminal activity, we must suspend the account and may be required to file a report with the authorities before any funds are released. We act within the law here and cannot make exceptions.

• Verification hold: play and withdrawals paused, balance protected
• Failed identity after repeated attempts: account closed, remaining balance refunded to a verified method in your name
• Suspected money laundering: account suspended and, where required, reported
• Fraudulent or forged documents: permanent closure and possible legal referral

How Long We Keep Records

We retain verification documents, transaction records and AML decisions for at least five years after your account closes, as required by our licence conditions. Retention exists so that we can answer lawful requests from regulators or law enforcement and demonstrate that our checks were properly carried out.

After the retention period, documents are securely deleted and your personal data is removed from our live systems in line with our privacy policy. You can request a copy of the data we hold about you at any time by contacting [email protected], available 24/7.

Frequently asked questions about Winners Casino

Can I play before completing verification?

Yes. Registration checks are electronic, and full document verification is required before your first withdrawal, not before your first game.

Why was my withdrawal paused for a source-of-funds check?

Your deposit levels or patterns crossed a threshold set by our AML policy. The pause is a legal obligation, your balance is protected, and withdrawals resume once your evidence is reviewed.

How long does verification take?

Automated checks take minutes and manual compliance review usually completes within 24 hours of receiving clear documents.

Do I have to withdraw to the same method I deposited with?

Yes, where technically possible, we pay winnings back proportionally to the method used for deposits. If that method is unavailable, we agree a verified alternative with you.