Our AML and Verification Policy

We hold licence 8048/JAZ2021-054, issued by the Government of Curaçao, and that licence comes with strict anti-money-laundering (AML) and counter-terrorism-financing obligations. This page sets out, in plain English, what we do behind the scenes, when we will ask you for documents, and what happens next. Nothing here is designed to slow you down without reason; every step exists to keep ZumoBet Casino a safe place to play.

Our AML Commitment

We are owned and operated by Zumo Interactive N.V. and licensed by the Government of Curaçao under licence number 8048/JAZ2021-054. Under that licence we must prevent our platform from being used to launder money, finance terrorism, or otherwise move criminal proceeds. We treat these duties as non-negotiable, and every policy on this page flows from them.

In practice, our commitment means three things. We know who our players are before we pay out real money. We monitor activity on our platform for patterns that suggest funds may not have a legitimate origin. And we report suspicious matters through the channels our licence requires, without tipping you off about a report.

When We Verify Your Identity

Verification triggers

We verify your identity at three points. First, when you register an account, we collect and confirm your basic details, including your name, date of birth and residential address. Second, before your first withdrawal, we require full document verification regardless of the amount involved. Third, at any later point if your cumulative deposits, withdrawals or betting activity reaches a threshold set by our compliance programme, or if something about your activity raises a concern, we may ask you to re-verify or supply further information.

Documents we ask for

Full verification at ZumoBet Casino requires three categories of proof, and each one must clearly show the details we ask for.

• Government photo ID: passport, national ID card or driver's licence, showing your full name, date of birth, document number and expiry date.
• Proof of address: a utility bill, bank statement or official government correspondence issued within the last three months, showing your name and residential address.
• Payment method verification: a photo of the card you used (with middle digits covered), a screenshot of your e-wallet or crypto wallet showing your name or wallet address, or a bank statement matching the deposit method.
• If you deposit with Neosurf or CashtoCode, we may instead ask for the voucher reference or your funding source details.

How Verification Works

Step by step

The process is deliberately simple, and most players complete it in a single sitting. Once submitted, our compliance team reviews your file, and standard processing takes up to 48 hours, although most checks are finished well inside that window.

• Log in and open the verification section of your account, or follow the link in the email we send before your first withdrawal.
• Photograph or scan each document so all four corners are visible and every detail is legible, with no glare or cropping.
• Upload the files through our secure portal, never by replying to emails or sending documents through live chat.
• Our team checks that names, dates and addresses match across your ID, your proof of address and your payment method.
• We contact you by email if anything is unclear, and you receive written confirmation the moment your account is fully verified.

How we protect your documents

Your documents are handled as sensitive personal information. Files are transmitted over an encrypted connection, stored on access-controlled systems, and visible only to the compliance staff who need them to make a decision. We never share your verification data with third parties for marketing purposes, and we do not ask for documents over live chat or social media, so any request of that kind is fraudulent and should be reported to [email protected].

Why We Ask About Funds

Sometimes identity documents alone do not tell us enough. If your deposits are large relative to the profile you have given us, if your betting pattern changes sharply, or if your account activity matches a pattern listed in our licence obligations, we will ask you to confirm the origin of the money you play with. This is called a source of funds check, and it is a routine part of AML compliance rather than an accusation.

Acceptable evidence includes recent payslips, a tax return or notice of assessment, business accounts, rental income statements, pension documentation, or evidence of an inheritance or the sale of an asset. For crypto deposits, we may ask for information about the wallet or exchange the funds came from. We assess what you provide against your actual play, and once the check is closed we tell you in writing. The information you give us is used only for compliance purposes.

Monitoring Every Transaction

Checks on deposits and withdrawals

We screen every deposit and every withdrawal, not just the large ones. Automated systems flag transactions that are inconsistent with your history, that involve high-risk jurisdictions, or that suggest structuring, which means breaking one large amount into several smaller ones to stay under a threshold. Flagged transactions go to a human reviewer before funds move.

Our standing rule is that withdrawals must return to the same method you used to deposit, wherever that method supports payouts. If you deposited with a card, we pay back to that card; if you deposited with BTC, we pay out in BTC to a wallet you control. Deposits made with PayID, Neosurf or CashtoCode are refunded through an alternative method in your name, such as bank transfer or an e-wallet, after your payment method documents check out.

Limits that apply

If Verification Fails

When documents are missing, unreadable or inconsistent, we pause withdrawals on the account until the issue is resolved. Deposits may continue for a short period, but no funds can be paid out while verification is incomplete. We always tell you which document failed and why, and you can resubmit corrected files at any time through the secure portal.

If a document appears forged, altered or borrowed from another person, we suspend the account and all balances on it, and we report the matter where our licence requires us to do so. If you simply let a verification request lapse, the account stays restricted and any pending withdrawal is held until you complete the process. In serious cases, including suspected fraud or third-party play, we reserve the right to close the account and, where the law permits, retain funds pending investigation. Players from restricted jurisdictions, including the USA, UK, France, the Netherlands, Belgium, Spain and Italy, cannot hold an account with us at all.

How Long We Keep Documents

Our licence obliges us to retain identity and transaction records for a set period after an account closes, which for us means holding verification files and transaction histories for at least five years after your last activity. Retention is not optional: if a regulator or a competent authority asks us to evidence who played and how funds moved, we must be able to produce the records.

When the retention period ends, we delete your documents through secure destruction, and access to them is removed at the same time. You can request a copy of the personal data we hold about you at any time by writing to [email protected], and you can ask us to correct anything that is out of date. Questions about this policy go to the same address, with our 24/7 live chat team able to point you in the right direction if you are unsure where to start.

Frequently Asked Questions

Do I need to verify my identity before I can deposit?

No. You can register, deposit and play with your basic details in place. Full document verification is required before your first withdrawal, or earlier if your activity reaches a threshold set by our compliance programme.

How long does verification take at ZumoBet Casino?

Standard processing takes up to 48 hours from the moment you upload complete, legible documents. Most checks finish sooner, and you receive written confirmation as soon as your account is fully verified.

Why can't I withdraw to a different method than I deposited with?

Our same-method withdrawal rule is an AML requirement designed to make sure winnings return to the person who deposited the money. Where a deposit method cannot receive payouts, such as Neosurf or CashtoCode, we refund through a method in your own name after verifying it.

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

If we ask for source of funds evidence and you do not provide it, withdrawals stay paused and the account remains restricted until the check is closed. You can resume normal play once you supply documentation we can assess.

Is my passport scan safe with you?

Yes. Documents travel over an encrypted connection, sit on access-controlled systems, and are seen only by compliance staff who need them. We never request documents over live chat or social media, and any such request should be reported to [email protected].