AML and Verification at Winners Casino

We hold our licence from Curaçao eGaming (Antillephone N.V.), licence number 8048/JAZ2021-054, and we run our platform under the anti-money-laundering and counter-terrorist-financing rules of that jurisdiction. This page sets out, in plain terms, what we verify, when we verify it, and what we expect from you.

Our Anti Money Laundering Commitment

Winners Casino has operated since 2009, and in that time we have built our compliance framework around three obligations: know who plays on our platform, know where their money comes from, and report anything suspicious to the authorities of our licence jurisdiction. Every control described on this page exists to meet those obligations.

We apply these rules to every account, without exception. A deposit of 10 GBP triggers the same regulatory environment as a deposit of 5,000 GBP; what changes at higher amounts is the depth of evidence we collect, not whether we collect it. Our compliance team, led by our appointed Money Laundering Reporting Officer (MLRO), reviews every alert individually before any decision is taken.

When We Verify Your Account

Verification points

Verification is not a single event. We run checks at four points in the life of an account, and we may run additional checks at any time if our monitoring flags activity that warrants a second look.

• At registration: we screen your details against sanctions lists and politically exposed person (PEP) databases before your account becomes active.
• Before your first withdrawal: we verify your identity document, proof of address and payment method ownership. This is mandatory and cannot be waived.
• At deposit thresholds: once cumulative deposits on an account reach levels set by our internal risk policy, we refresh identity and address evidence.
• On risk triggers: unusual deposit patterns, rapid deposit-and-withdraw behaviour or mismatches between your stated profile and your actual play prompt an enhanced review.

Documents we accept

For identity, we need a government-issued photo document: passport, national identity card or driving licence. The document must be valid, show all four corners and match the name on your account. For proof of address, we accept a utility bill, bank statement or official government correspondence dated within the last three months. For payment method ownership, we need a photo of the card used (front showing the first six and last four digits only, with the middle digits covered) or a screenshot of your e-wallet or crypto wallet showing your name or account identifier.

How Verification Works Step by Step

The process is deliberately simple, and most players complete it in a single sitting. You upload documents through the verification area of your account rather than by email, so nothing passes through unsecured channels.

• Log in and open the verification section of your account.
• Select the document type for each requirement: identity, address, payment method.
• Photograph or scan the original document; edited files, cropped images and PDF exports of photos are rejected.
• Upload each file and submit the request.
• Our team reviews the submission and you receive the outcome by email and in your account inbox.
• If anything is unclear, we tell you exactly which document failed and why, so you can replace it in one attempt.

Standard reviews complete within 24 hours, and most finish faster. Complex cases, such as source-of-funds evidence or cross-border payment methods, can take up to three business days because we verify third-party records, not just your uploads.

Your documents are stored on encrypted servers with access restricted to trained compliance staff. We never share verification data with game providers or marketing partners, and we do not use it for any purpose other than meeting our legal obligations.

Source of Funds Requests

A source-of-funds request is the question: where did the money you deposited actually come from? It is separate from identity verification, and it applies when the amounts involved make the question reasonable. We ask for it in specific circumstances, not routinely.

Typical triggers include cumulative deposits materially above the levels expected from your declared occupation and income, single deposits above thresholds in our risk policy, and sustained high-stakes play funded in a short period. When we ask, we accept payslips, tax returns, audited accounts for self-employed players, bank statements showing the relevant credits, or documentation of an asset sale, inheritance or investment income.

We ask because our licence obliges us to satisfy ourselves that funds wagered on our platform are legitimately obtained. A clear, complete answer almost always closes the matter within a few business days.

How We Monitor Transactions

Deposits and withdrawals

Every deposit and withdrawal passes through automated screening before it is accepted. The screening checks the payment instrument against your verified details, flags structuring (many small deposits instead of one large one), and identifies deposits from instruments registered in a different name. Withdrawals are checked against play history, so a withdrawal request with little or no wagering attracts manual review.

We operate a same-method withdrawal rule: funds return to the debit card, e-wallet or crypto wallet they came from wherever the method supports it. Where a method cannot receive withdrawals, or has expired, we return funds by bank transfer after re-verifying your bank details. Withdrawals are capped at 5,000 GBP per day, with a minimum of 10 GBP.

If Verification Fails

We act in stages, and we tell you at each stage what is needed. The first response to missing documents is a withdrawal hold: deposits and play continue, but nothing leaves the account until verification completes. If documents are not provided within the deadline stated in our request, typically 30 days, we suspend the account entirely.

If documents fail review, we explain the reason and give you one further submission. Repeated submissions of the same failed document, or documents we judge to be altered, lead to account closure under our licence conditions. In cases where we hold a genuine suspicion of money laundering, we are legally prohibited from telling you that a report has been made; the account is closed and funds are handled as directed by the authorities. Restricted balances are held, not confiscated, and returned by the original payment method once the matter resolves.

We do not apply these measures selectively. The same rules govern every account from the first deposit of 10 GBP upward.

How Long We Keep Documents

We retain verification records, transaction history and compliance decisions for at least five years after an account closes, or five years after the last transaction on an active account, whichever our licence jurisdiction requires. The retention period is a legal obligation, not a commercial choice: if a regulator or law-enforcement body investigates historical activity, we must be able to produce the records.

After the retention period expires, documents are deleted securely and permanently. You may request a copy of the personal data we hold at any time, and you may ask us to correct anything that is wrong. Questions about any part of this policy go to our compliance team via [email protected] or the 24/7 live chat, and they reach the team that actually handles verification, not a general queue.

Frequently Asked Questions

Why was my withdrawal held if I already registered?

Registration checks confirm who you are against sanctions and PEP databases, but full document verification happens before your first withdrawal. Once your ID, proof of address and payment method are verified, the hold is lifted, usually within 24 hours of a clean submission.

Can I deposit before my documents are approved?

Yes. Deposits and play are open while verification is in progress. Only withdrawals are held until your identity, address and payment method checks are complete.

What happens if I refuse a source-of-funds request?

We cannot return funds from an account subject to an unanswered source-of-funds request. If the deadline passes without a response, the account is suspended and the balance is held until the matter is resolved or the retention process applies.

Do you charge fees for verification or withdrawals?

No. We charge no fees for verification, deposits or withdrawals. Withdrawals are capped at 5,000 GBP per day, with a minimum of 10 GBP.

How do you protect the documents I upload?

Documents are uploaded through your account on encrypted servers, with access limited to trained compliance staff. We never pass verification data to game providers or marketing partners.