How Surf Casino Verifies You
Every account on our platform is checked against the anti-money-laundering rules attached to our licence. This page sets out exactly when we verify you, which documents we need and what happens if something does not add up.
Our Anti Money Laundering Commitment
We operate under licence 8048/JAZ2023-041, issued by Antillephone in Curaçao, and Surf Gaming N.V. carries the full compliance responsibility that comes with it. That licence binds us to written anti-money-laundering procedures: customer due diligence, transaction monitoring, record keeping and reporting of suspicious activity to the relevant authorities in our licence jurisdiction.
In practice this means we treat every account as a checkpoint rather than a formality. Deposits, withdrawals, betting patterns and changes to your profile are all screened against risk indicators defined in our internal AML manual. Our compliance team, led by the Money Laundering Reporting Officer, reviews flagged activity and files reports where the law requires it. We never tip you off about a report, because the law forbids it.
- Customer due diligence at the points set out below
- Ongoing screening of deposits and withdrawals
- Suspicious matter reporting to the licence authority
- Staff training on AML obligations each year
When We Verify Your Identity
Verification stages
Verification happens in stages, not all at once. At registration we confirm your email and, where applicable, your mobile number, and we run your details against geolocation and sanctions screening before your first bet. Full identity verification is compulsory before your first withdrawal, whatever the amount.
We also verify at thresholds. Cumulative deposits above AUD 2,000, any single withdrawal above AUD 8,000, or a pattern our risk model scores as unusual triggers enhanced due diligence, which asks for more than the standard document set.
- Registration: email, phone, country and date of birth screening
- First withdrawal: full identity, address and payment method checks
- Threshold events: enhanced due diligence with source of funds
- Any time our monitoring flags unusual activity on your account
| Document | Accepted examples | When required |
|---|---|---|
| Photo ID | Passport, driver licence, national ID card | First withdrawal |
| Proof of address | Utility bill or bank statement, last 3 months | First withdrawal |
| Payment method proof | Card photo showing first 6 and last 4 digits, or wallet screenshot with your name | Before paying to that method |
| Source of funds | Payslip, bank statement or tax notice | High value or flagged activity |
Your Verification Step by Step
Documents go through our verification queue in the order they arrive, and a first review usually completes within 24 hours of submission. If anything is unclear we contact you by email rather than silently rejecting the file, so keep an eye on your inbox, including the spam folder.
Every file you upload is encrypted in transit and at rest, stored on access-controlled servers, and visible only to trained compliance staff. We never share your documents with third parties except where the law obliges us to.
- 1. Open the verification tab in your account profile
- 2. Photograph or scan each document so all four corners and your full name are visible
- 3. Upload the files through the secure form, never by live chat or email
- 4. Our compliance team reviews the submission within 24 hours
- 5. You receive the outcome by email, with the reason given if anything is declined
When We Ask About Funds
We ask for source of funds evidence when the money moving through your account looks larger or less regular than your verified profile suggests. A deposit well above AUD 8,000 in a short window, repeated crypto deposits of the same amount, or funds arriving from accounts in other names all count.
This is not an accusation. Licence rules require us to understand where gambling funds come from, and a payslip, a bank statement covering three months or a tax assessment usually settles the question in one pass. Until we have that evidence, withdrawals connected to the flagged activity stay on hold.
How We Monitor Transactions
Our monitoring runs on every deposit and withdrawal, around the clock. Each transaction is checked against your verified profile, your usual stake sizes and the deposit methods on file. Where the pattern departs from the norm, the transaction goes to manual review before funds are released.
We pay withdrawals back to the same method you deposited with wherever that method supports it. Card deposits return to the same card, crypto returns to a wallet you own, and if you deposited with PayID or Neosurf we agree a bank or e-wallet route with you after ownership checks. The minimum deposit is AUD 30, the minimum withdrawal is AUD 50, and withdrawals are capped at AUD 8,000 per week. Withdrawals sit in pending status for up to 24 hours, then take 1 to 3 business days, and we charge no fees of our own.
| Item | Detail |
|---|---|
| Minimum deposit | AUD 30 |
| Minimum withdrawal | AUD 50 |
| Withdrawal cap | AUD 8,000 per week |
| Pending period | Up to 24 hours |
| Processing after approval | 1 to 3 business days |
| Casino fees | None |
When Verification Fails
If a document is expired, cropped so the details are unreadable, or shows a name that does not match your account, we reject it with a written reason and you can resubmit. Failed verification never deletes your balance; it delays access to it.
Where documents are not supplied within 30 days of our request, we suspend the account. Deposits are blocked, play stops and any pending withdrawal stays on hold until the file is complete. If verification reveals an account opened with false details, in a restricted country, or in someone else's name, we close the account, return the verified deposited funds to a legitimate account holder and report the matter where the law requires. Repeated abuse of the verification process can lead to a permanent ban across our platform.
- Rejected document: resubmission invited with the reason stated
- No response within 30 days: account suspended, withdrawals held
- False or borrowed identity: account closed and reported
How Long We Keep Documents
Verification records, transaction logs and AML decision files are kept for 5 years after your account closes or your last transaction, whichever comes later. Curaçao licence conditions and the anti-money-laundering framework behind them set this minimum, and it applies even after you ask us to delete marketing data, because identity and transaction records sit in a separate legal category.
When the retention period ends we destroy the files securely. While they exist, access is limited to compliance personnel with a logged reason for every lookup, and you can request a copy of what we hold at any time by writing to our support address.
Frequently Asked Questions
Do I need to verify my account before depositing?
No. You can register, deposit and play on basic screening. Full verification with ID, proof of address and payment method ownership is required before your first withdrawal.
How long does verification take at Surf Casino?
First review of your documents usually completes within 24 hours of upload. We email you the outcome, and we tell you the reason if anything is declined so you can fix and resubmit.
Why was my withdrawal sent back to my card instead of my bank?
Our same-method rule returns funds to the method you deposited with. Card deposits go back to the same card. For methods that cannot receive payouts, such as Neosurf, we agree an alternative with you after ownership checks.
What happens if I ignore a source of funds request?
Withdrawals connected to the flagged activity stay on hold, and after 30 days without a response the whole account is suspended. Deposited funds you can legitimately verify remain payable.
Can I delete my verification documents earlier?
We must keep identity and transaction records for 5 years after your account closes, so early deletion is not possible. Marketing preferences are separate and can be withdrawn at any time.