Our AML and Verification Policy

Every account at Pub Casino is verified under our MGA licence (MGA/B2C/204/2023). This page sets out, in plain language, when we check your identity, which documents we ask for and what happens if verification is not completed.

Our Commitment to AML Rules

We hold licence MGA/B2C/204/2023 issued by the Malta Gaming Authority, and we operate under the Prevention of Money Laundering and Funding of Terrorism Regulations that accompany it. L&L Europe Ltd, our operator, is the licence holder and carries legal responsibility for the controls described on this page.

In practice this means we cannot accept funds whose origin we cannot reasonably establish, and we cannot return winnings to a person or account we have not verified. These obligations apply to every player on our platform without exception, regardless of stake size or playing history.

• Risk assessment of every account before and during its lifetime
• Customer due diligence at registration and at key transaction points
• Ongoing monitoring of deposits and withdrawals
• Reporting obligations to the MGA and the Financial Intelligence Analysis Unit where required

When We Verify Your Account

Verification stages

We verify your identity at three points. First, at registration, we run an electronic identity check against your details; most accounts clear this automatically with no action from you. Second, before your first withdrawal, we require full document verification. Third, at certain transaction thresholds or risk triggers, we may ask you to refresh documents already on file.

• Registration: automated electronic identity and age check
• First withdrawal: full document verification (ID, address, payment method)
• Thresholds and triggers: additional or refreshed documents on request

Documents we accept

We ask for three categories of document. Each must be valid, legible and show your full name matching the name on your account.

• Photo ID: passport, driving licence or national identity card
• Proof of address: utility bill, bank statement or official letter dated within the last 3 months
• Payment method verification: photo of the card (first six and last four digits visible) or a screenshot of your e-wallet or bank account showing your name

How Verification Works

Step by step

Verification runs through your account settings. You upload documents yourself, and our compliance team reviews them. The full process is as follows.

• 1. Open the Verification section of your account profile
• 2. Upload each requested document as a clear photo or PDF
• 3. Our compliance team reviews the submission
• 4. We confirm approval by email, or request a replacement if a document is unclear
• 5. Withdrawals are released once every check has passed

Processing times and data protection

Documents are processed within 24 to 48 hours of upload. If we need a replacement document, the clock restarts from your new upload, so clear first-time submissions genuinely save you days.

Your documents are stored on encrypted servers with access restricted to the compliance team that needs them. We never share verification data with third parties except where the law or our licence requires it.

Why We Ask for Source of Funds

For the majority of players, standard verification is all we ever need. Where deposits reach levels set in our risk policy, or where transaction patterns raise questions under our monitoring rules, we are obliged to establish where the money came from. This is not an accusation; it is a legal requirement applied on a risk basis.

Acceptable evidence of source of funds includes payslips, employment contracts, pension statements, tax returns, dividend statements or a sale contract for property. For source of wealth, we may ask about the broader origin of your assets, for example business ownership or inheritance documentation. We review each case individually and tell you exactly which documents apply.

Monitoring Deposits and Withdrawals

Every deposit and withdrawal on our platform passes through automated and, where triggered, manual review. Our minimum deposit is £10, the minimum withdrawal is £10, and the maximum withdrawal is £5,000 per day. We apply no fees on deposits or withdrawals, and withdrawals are processed within 24 hours once verification is complete.

We operate a same-method rule: funds return to the deposit method used, in proportion to the amounts deposited. If you deposited £40 by Visa Debit and £20 by PayPal, a £60 withdrawal splits accordingly. This rule exists to prevent funds flowing through accounts other than your own.

If Verification Fails

Where documents are not provided, or where we cannot reconcile them with your account details, we restrict the account. Deposits may be blocked and withdrawals held until the issue is resolved. In most cases a replacement document or a short clarification puts things right within one working day.

Serious mismatches are different. If we cannot verify that the payment method belongs to you, or if there are reasonable grounds to suspect that an account is held for another person, we suspend the account, hold all balances and report where our licence obliges us to. Balances in suspended accounts are returned only to a verified account in your own name. If you believe a restriction is an error, contact [email protected] and our compliance team will review the case.

How Long We Keep Records

We retain verification documents and transaction records for five years after the end of the business relationship, as required under MGA anti-money-laundering regulations. Retention applies even after you close your account, because the obligation sits with us, not with you.

After the retention period expires, documents are securely destroyed. During it, you may request confirmation of what we hold about you under data protection law, and we will provide it.

Frequently Asked Questions

How long does verification take at Pub Casino?

Most accounts pass the electronic check at registration instantly. Full document verification before your first withdrawal takes 24 to 48 hours from upload.

Why must I verify my payment method?

We must confirm that the card or e-wallet you use belongs to you, so that deposits and winnings never pass through a third party's account.

Can I withdraw before verification is complete?

No. We require full verification before the first withdrawal. Once all checks pass, withdrawals are processed within 24 hours.

What happens if I refuse to provide source of funds documents?

We would restrict deposits and hold withdrawals, because we cannot lawfully continue transacting without establishing the origin of the funds at the required threshold.