Our AML and Verification Policy
This page explains, in plain language, how Goldwin Casino verifies your identity and keeps our platform free of money laundering. We hold a Malta Gaming Authority (MGA) licence, and the checks below are a legal condition of that licence, not an optional extra.
Our AML Commitment at Goldwin
The rules we work under
Goldwin Casino operates under a licence issued by the Malta Gaming Authority, and since launching in 2021 we have been bound by the MGA's anti-money-laundering and counter-terrorist-financing framework. That framework implements the European Union's anti-money-laundering directives in Malta, and it obliges us to know who our players are, where their funds come from and how their accounts behave over time.
We treat these obligations as part of running a clean casino, not as paperwork. Criminals use gambling sites to disguise illicit funds, so every licensed operator must maintain controls that detect and report suspicious activity. Our compliance team is led by a designated Money Laundering Reporting Officer (MLRO) who has the authority to freeze transactions, escalate concerns and file reports with the Maltese Financial Intelligence Analysis Unit where the law requires it.
- Customer due diligence at onboarding and throughout the account lifecycle
- Ongoing monitoring of deposits, withdrawals and betting patterns
- Suspicious activity reporting to the relevant authorities
- Staff training on AML duties across support and payments teams
- Record keeping that satisfies MGA audit requirements
When We Verify Your Account
Verification points
We verify your identity at three defined points. First, at registration, where we screen your details against sanctions lists and politically exposed person (PEP) databases before your account becomes active. Second, before your first withdrawal, when full document checks apply without exception. Third, at any point afterwards if your deposits reach thresholds that trigger enhanced due diligence under MGA rules, or if our monitoring flags something unusual.
You can play and deposit before full document verification, but no withdrawal leaves our platform until your identity, address and payment method are confirmed. This sequencing is standard across licensed European operators and protects both you and us.
| What we verify | Accepted documents |
|---|---|
| Identity | Passport, national ID card or driving licence (photo page, valid, in your name) |
| Address | Utility bill, bank statement or official government letter dated within the last 3 months |
| Payment ownership | Photo of the card (first six and last four digits visible) or screenshot of your e-wallet or bank account showing your name |
How Verification Works Step by Step
The process is deliberately simple, and most players complete it in a single session. Upload your documents through the secure verification area of your account profile; never send them by live chat or email, because those channels are not part of the audited workflow.
Our compliance team reviews submissions within 24 hours, in line with our stated withdrawal processing time. If anything is unreadable or out of date, we tell you exactly which document to replace rather than rejecting the submission outright. All files are stored on encrypted servers with access restricted to trained compliance staff, retained strictly for the purposes described in the final section of this page, and never shared with third parties except where the law compels us.
- Log in and open the verification section of your account profile
- Photograph or scan each required document, ensuring all four corners and all text are visible
- Upload the files directly through the secure form
- Wait up to 24 hours for our compliance team to review
- Fix any flagged item by re-uploading only the document we name
- Receive written confirmation once your account is fully verified
Proving Your Source of Funds
Why we ask
For the majority of players, an ID card and a utility bill are the end of the process. For larger activity, MGA rules require us to go further and confirm that the money you play with comes from a legitimate origin. We may request source of funds evidence when cumulative deposits exceed our enhanced due diligence threshold, when a single deposit is unusually large relative to your history, or when wagering patterns suggest funds are being cycled rather than genuinely played.
This is not an accusation. Source of funds checks apply to lawyers, accountants and anyone whose activity crosses a defined line, and they exist so that our platform cannot be used as a laundering route. The more promptly you respond, the sooner any held withdrawal is released.
- Payslips or an employment contract
- Bank statements showing salary or savings accumulation
- Tax returns or company accounts for business owners
- Sale contracts for property or inheritance documentation
- Pension statements or investment portfolio summaries
How We Monitor Transactions
Deposits, withdrawals and limits
Every deposit and withdrawal on our platform passes through automated screening that compares the transaction against your profile, your history and typologies of known laundering behaviour. Deposits require a minimum of £20, and withdrawals require a minimum of £20 with a maximum of £5,000 per day. We process approved withdrawals within 24 hours and charge no fees on either side of the transaction.
Withdrawals must return to the same method you used to deposit, in line with MGA payment rules. If you deposited by Visa Debit, we pay back to that card; if you deposited by Skrill, the refund goes to that Skrill account. Where a payment method cannot receive refunds, such as Paysafecard, we route the funds to a bank transfer in your verified name. Splitting deposits across many cards or wallets without playing draws our attention, and structured transactions designed to stay below reporting thresholds are reported, not ignored.
| Item | Value |
|---|---|
| Minimum deposit | £20 |
| Minimum withdrawal | £20 |
| Maximum withdrawal | £5,000 per day |
| Withdrawal processing time | 24 hours |
| Fees | None |
| Refund rule | Same method used to deposit |
What Happens If Verification Fails
Consequences in practice
If you do not complete verification, we stop processing your withdrawals. Your account may also be suspended from making further deposits, because allowing unverified play to continue would breach our licence conditions. Suspension is temporary and reversible: the moment you supply acceptable documents, we lift the restrictions and release any held funds.
If documents fail because they are expired, damaged, edited or belong to someone else, we give you one clear opportunity to submit correct versions. Deliberate falsification, use of a third party's identity, or attempts to launder funds result in permanent account closure, forfeiture of balances where the law permits it, and a report to the authorities. We also close accounts where source of funds cannot be reasonably established after repeated requests.
How Long We Keep Your Documents
We retain verification records, transaction histories and AML analysis for five years after your account closes, or five years after the date of an occasional transaction, whichever applies. This is the retention period required under Maltese AML law, and it exists so that regulators and financial investigators can reconstruct events if a concern surfaces later. Data is held on encrypted servers inside the EU, access is logged and limited to compliance personnel, and once the retention window expires we delete your documents securely and permanently. If you have questions about retention or wish to exercise your data rights, contact our support team at [email protected], available 24 hours a day, 7 days a week.
Frequently Asked Questions
Can I withdraw before completing verification?
No. We verify your identity, address and payment method before your first withdrawal leaves the platform. You can deposit and play beforehand, but funds are held until verification is complete.
How long does document review take?
Our compliance team reviews submissions within 24 hours, matching our standard withdrawal processing time. If a document needs replacing, we tell you exactly which one and why.
Why must withdrawals use my deposit method?
MGA payment rules require funds to return to their source. This prevents our platform from being used to move money between people or accounts, and it protects you from unauthorised access to your balance.
What triggers a source of funds request?
Large cumulative deposits, single transactions out of line with your history, or betting patterns that suggest funds are cycling rather than being played. Legitimate players simply supply evidence such as payslips or bank statements.