Short definition
AML requirements under which a casino verifies identity, monitors transactions and may request source-of-funds proof. Mandatory for all licensed operators.
Anti-money laundering (AML) is a set of rules that prevents criminal money from being “cleaned” through gambling. Under the anti-money-laundering law, casinos are obligated entities: they must identify the player, monitor transactions and report suspicious transactions to the money-laundering data bureau.
The player sees AML requirements mainly in two places: thorough identity verification (KYC) and, for larger sums or unusual patterns, a source-of-funds query — the casino may ask for a bank statement, proof of salary or other evidence of source. This isn’t harassment but a statutory duty whose neglect would cost the casino its licence.
When a casino asks for more than ordinary identification
The EU anti-money laundering Directive (EU) 2015/849 lists providers of gambling services among the obliged entities (text of the directive). Under the directive, a gambling service provider must carry out customer due diligence when collecting winnings or accepting a stake in a transaction of EUR 2,000 or more, including when it consists of several linked transactions. In practice Estonian casinos generally identify the player at registration, so a more thorough request usually comes with larger sums, an unusual pattern or a suspicion.
Example: what can trigger a request
- Several smaller deposits within one day that add up to a larger sum. For example, three deposits of 700 EUR total 2,100 EUR and may be treated as linked transactions.
- A deposit followed immediately by a withdrawal without any play.
- Deposits from another person's card or account.
- A sudden change in play pattern or amounts.
The casino will then ask for proof of the source of funds: a bank statement, payslip, sales contract or inheritance certificate. Send what the casino asks for and no more, and do not add third parties' data. If the documents are ready, you will get the withdrawal sooner. The casino may hold the withdrawal in the meantime; see the article KYC documents at a casino on our fast-withdrawals sister site.
What this means for you
Suspicious transactions are reported to the Financial Intelligence Unit (Estonian FIU). The casino does not have to tell you whether a report was made. So do not ask whether you have been reported, and do not try to avoid the checks: splitting transactions into smaller amounts to stay under a threshold looks exactly like what an AML system looks for.
Common mistakes
- Using another person's payment method. This is one of the most common reasons a withdrawal is held.
- Sending a blurry photo or an incomplete document and expecting it to pass.
- Thinking AML and KYC are the same. KYC establishes identity, AML is the wider system of monitoring transactions. For crypto casinos see also AML, and for the legal framework the Gambling Act.
Related and sources
See also: KYC, Gambling Act. Source: Wikipedia.
“Example: in a short time you make €15,000 of deposits. The casino’s AML team requests proof of the source of funds — for example a bank statement showing salary deposits — and may suspend withdrawals until you reply.
1. Identity verification
At account opening identity is confirmed by document or e-identification.
2. Transaction monitoring
Systems track amounts and patterns that may indicate money laundering.
3. Source query
For larger sums evidence of the source of funds is requested.
4. Reporting duty
Suspicious transactions are reported to the money-laundering data bureau.
AMLAbbreviation
All licensed casinosObligated
KYC and proof of sourceFor the player it means
Why does the casino ask where my money comes from?
Because the law requires it. For larger sums the casino must ensure the money is of legal origin — otherwise it itself risks its licence and fines.
Why must a withdrawal go via the same method I deposited with?
It’s an AML principle that prevents a casino from being used as a money channel. The so-called closed loop ensures the money returns to the same owner.
21+ Gambling is intended for players aged 21 and over only. A fast withdrawal does not make gambling a safe source of income. Only play with money you can afford to lose. If needed, set self-limits or seek help:
responsible gambling.
