Our AML and Verification Policy
We hold a Curaçao e-gaming licence, and with it comes a legal duty to keep our platform out of the reach of money laundering and financial crime. This page sets out, in plain terms, what we verify, when we verify it and what we expect from you. Since launching in 2023 we have applied one principle consistently: the same checks protect your funds as protect ours.
Our AML Commitment
Money laundering is the process of pushing criminal proceeds through a legitimate business so the funds appear clean. Online casinos are attractive targets for this, which is why our licence obliges us to run a full anti-money-laundering (AML) programme, not a token one. We are required to identify every customer, understand where their money comes from and report suspicious activity to the relevant authorities.
We treat these obligations as ours alone. Our compliance team, led by a designated Money Laundering Reporting Officer (MLRO), writes our internal policies, trains our staff and reviews every alert the monitoring system raises. No employee, affiliate or third party can override a verification decision. If the law and commercial convenience ever conflict, the law wins.
- We know who our customers are before we pay out their first withdrawal
- We monitor transaction patterns for signs of criminal behaviour
- We keep records that satisfy our licence conditions
- We cooperate fully with regulators and law enforcement where legally required
When We Verify Your Identity
Verification stages and required documents
Verification runs on a schedule fixed by our licence, not by our mood. We check basic details at registration, full identity before your first withdrawal, and enhanced details if your activity crosses defined thresholds. You may also be selected for a re-check at any time, because documents expire and circumstances change.
We only accept documents that are current, legible and in your own name. Uploads take a minute in the verification area of your account, and we never ask you to send documents by email or live chat.
- Photo ID: passport, driving licence or national ID card, valid and showing your face clearly
- Proof of address: a utility bill, bank statement or official letter dated within the last three months
- Proof of payment method ownership: a card photo showing only the last four digits, or a screenshot of your e-wallet or crypto wallet showing your name and account details
| Stage | What triggers it | What we check |
|---|---|---|
| Registration | Account creation | Name, date of birth, address, email and phone number |
| First withdrawal | Your first payout request | Full document set: ID, address, payment method |
| Threshold review | Deposits over £10,000 cumulatively, or unusual transaction patterns | Source of funds and, where relevant, source of wealth |
| Periodic re-check | Document expiry or risk rating change | Refresh of expired or outdated documents |
Your Verification, Step by Step
From upload to approval
The process itself is deliberately short, because we know you came here to play, not to file paperwork. Most customers complete it once and never think about it again. Here is exactly what happens after you upload a document.
Your documents are stored on encrypted servers, transmitted over secured connections and visible only to trained compliance staff. We never share verification data with marketing partners or affiliates, and we delete it according to the retention schedule described below.
- 1. You upload the document in the verification section of your account.
- 2. Our automated system checks legibility, expiry dates and format within minutes.
- 3. A compliance officer reviews the document and matches it against your account details.
- 4. You receive an email confirming approval or, if something is unclear, a request for a better image or an alternative document.
- 5. Once approved, your account is marked verified and withdrawals are released for processing.
Showing Your Source of Funds
Occasionally, identity documents are not enough. If your deposits are large or your betting pattern stands out from your declared profile, our licence requires us to ask where the money actually comes from. This is not an accusation; it is a standard obligation that applies to banks, solicitors and casinos alike.
A source of funds document shows the origin of the specific money you deposit with us. A payslip, employment contract, pension statement, sale agreement or tax return all qualify. Where we ask about source of wealth, we mean the wider story behind your finances, such as business ownership or inheritance evidence.
You upload these documents the same way as your ID. If we have asked, withdrawals above the queried amount stay on hold until we receive a satisfactory answer, because releasing funds we cannot account for would breach our licence.
How We Monitor Transactions
Deposits, withdrawals and the same-method rule
Every deposit and withdrawal on our platform passes through automated screening before it settles. The system flags structuring (splitting one large amount into smaller ones), rapid deposit-and-withdraw cycles with little gameplay, and mismatches between your stated profile and your actual behaviour. Flagged transactions go to a human reviewer, never to an automated block.
We apply a same-method rule: winnings are paid back through the same method you used to fund your account wherever technically possible. If you deposited by card, we refund that card first and send any remaining balance by an alternative method after we have verified it. This prevents our platform being used to convert one payment channel into another, a classic laundering technique.
Withdrawals run at a minimum of £20, with daily limits of £5,000 and monthly limits of £20,000. E-wallet and crypto payouts complete within 24 hours of approval; card and bank transfer payouts take one to five business days. We charge no fees on either side.
| Check | Applied to | What we look for |
|---|---|---|
| Identity match | All withdrawals | Payout name matches the verified account holder |
| Method match | All withdrawals | Funds return via the depositing method first |
| Volume screening | Deposits over £10,000 cumulative | Source of funds, structuring patterns |
| Behaviour review | Continuous | Deposit-withdraw cycling without genuine play |
If Verification Fails
What we do and why
We cannot pay money to a person we cannot identify, so an unverified account faces clear consequences. If you do not complete verification within 30 days of our first request, your account is suspended: deposits and gameplay stop, though your balance stays untouched. Complete the checks at any point and we lift the suspension.
If your documents are rejected, we always tell you the reason and invite a replacement. Common causes are cropped edges, glare on card photos and expired IDs. Where we suspect that documents are forged, that a third party is operating the account, or that funds have a criminal origin, we must go further: the account stays closed, we may report the matter to the authorities, and any balance is handled according to our licence conditions. We reach that outcome rarely, and never without a human review of the evidence.
One rule is absolute at Crownz Casino: accounts are personal. Sharing, selling or letting another person use your account breaches our terms and voids AML protections for everyone involved, so we close such accounts permanently.
Document Retention at Crownz Casino
Our licence requires us to keep verification records for five years after your account closes or after the last transaction, whichever comes later. This is not a choice we make per customer; the retention period applies uniformly, and during it we must produce any record on request to the regulator.
After the retention period expires, we delete your documents securely and irreversibly. If you close your account and want confirmation of what we hold, contact [email protected] and our compliance team will list your records within one working week. You may also request a correction if any stored detail is inaccurate, though we cannot delete a record still inside its mandatory retention window.
Frequently Asked Questions
Why was my document rejected?
The usual reasons are glare or blur, cropped edges that hide expiry dates, a document that is expired, or a name that does not match your account. We always state the reason and you can upload a replacement immediately.
Can I withdraw before verification is complete?
No. Our licence requires full verification before the first withdrawal. Until then you can deposit and play, but payouts stay on hold. Verification after that first check is normally a formality.
How long does verification take?
Automated format checks run within minutes, and a compliance officer usually reviews your documents within 24 hours. At busy periods it can take up to three days, and we email you the outcome either way.
Do you share my documents with anyone?
Only with the payment providers and regulators who legally require the information to process or audit your transactions. We never sell or share verification data with marketing or affiliate partners.
What happens to my documents if I close my account?
We keep them for five years after closure, as our licence requires, then delete them securely. You can request a list of what we hold at any time by writing to [email protected].