AML and KYC Verification at Milkywins Casino
Verification protects your money and your account. On this page we set out exactly when we verify your identity, which documents we need, and what happens if verification is not completed.
Our AML Commitment
We operate under Curaçao licence OGL/2023/127/4519, and that licence binds us to the anti-money-laundering rules of our licensing authority. Since launching in 2023, Milkywins Casino has maintained a written AML programme covering risk assessment, customer due diligence, transaction monitoring and suspicious activity reporting.
Our Money Laundering Reporting Officer (MLRO) owns this programme and reviews it at least annually. We train our staff to recognise the warning signs of money laundering, terrorist financing and fraud, and we report qualifying activity to the relevant authority without notifying the account holder.
When We Verify You
We run checks at three points: at registration, where we screen your name and date of birth against sanctions and politically exposed person lists; before your first withdrawal; and at any point where your activity crosses a threshold or behaves in a way our monitoring flags for review. You can play and deposit before full verification, but nothing leaves your account until KYC is complete.
- Government-issued photo ID (passport, driving licence or national ID card), valid and unexpired
- Proof of address dated within the last 3 months (utility bill, bank statement or council tax bill)
- Proof of payment method ownership (photo of the card with middle digits covered, or a screenshot of your e-wallet or bank account showing your name)
- Additional documentation if the source of your funds or wealth requires review
Verification, Step by Step
Upload everything from the Verification tab in your account area. You photograph or scan the documents yourself; nothing is sent by email. Our compliance team reviews each file manually, and we respond through your account inbox, never by phone call asking for documents.
Standard checks complete within 24 hours. If a document is unreadable or a detail does not match your profile, we tell you exactly what to re-submit rather than rejecting your account outright.
- Open the Verification section of your account
- Upload your photo ID (all four corners visible, no glare)
- Upload your proof of address and payment method evidence
- Wait for our review, normally finished within 24 hours
- Confirm the outcome notification in your account inbox
Why We Ask for Source
If your deposits exceed £2,000 in rolling deposits or your net deposits grow quickly, our monitoring may ask you to show where the money comes from. This is not an accusation; it is a licence condition we cannot waive.
Acceptable evidence includes a payslip, employment contract, pension statement, self-assessment return, dividend statement or a bank statement showing regular income. We treat this information as confidential and use it only for the AML assessment in question. Once the review closes, you will not be asked to repeat it unless your pattern of play changes materially.
How We Monitor Transactions
Every deposit and withdrawal passes automated and human review. We compare your deposit profile with your withdrawal requests, watch for third-party payments, and check that stake sizes match the verified income level on file. Withdrawals must return to the same method you used to fund your account; if the original method is unavailable, we pay by bank transfer to an account in your own name.
Limits apply to every account: £10 minimum deposit, £20 minimum withdrawal and £5,000 per day maximum withdrawal. E-wallet withdrawals take 0 to 24 hours, cards take 1 to 3 business days, and we charge no fees on either side. We may split a larger withdrawal into instalments within the daily cap.
When Verification Fails
If you do not provide the requested documents within 30 days, we suspend withdrawals and freeze wagering on your balance until the file is complete. If documents are refused because they are forged, belong to another person, or your identity cannot be established, we close the account and refund any verified balance to a payment method in your own name.
You can appeal any decision by emailing [email protected] with your account reference. Our MLRO reviews every appeal within 10 business days. Providing false information to bypass verification is a criminal offence in our licence jurisdiction, and we report confirmed cases to the authorities.
How Long We Keep Records
We store verification records for 5 years after your account closes, as our licence requires. Files sit on encrypted servers with access limited to the compliance team, and we never sell or share your documents with third parties for marketing. When the retention period expires, documents are deleted automatically and irreversibly.
You can request a copy of the personal data we hold, ask us to correct it, or ask us to delete anything we are not legally obliged to keep, by writing to [email protected]. We answer data requests within 30 days.
Frequently Asked Questions
Can I withdraw before completing KYC?
No. We verify every account before the first withdrawal. You can deposit and play in the meantime, but funds stay in your account until your documents pass review, normally within 24 hours of upload.
Why was my card deposit returned to a bank transfer?
We return withdrawals to the same method you used to deposit. If that card or e-wallet is closed or cannot receive funds, we pay by bank transfer to an account held in your own name, after verifying that account belongs to you.
Is it safe to upload my ID to your site?
Yes. Documents are stored on encrypted servers, only the compliance team can open them, and we never request them by email or phone. If anyone contacts you asking for documents outside your account inbox, it is not us.
What if my documents are rejected?
We tell you the exact reason, usually glare, cropped edges or an expired document, and invite you to re-upload. You keep full access to your account during re-submission; only withdrawals wait.