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Casimba – failed to follow UKGC AML/KYC regulations, resulting in £40,000 of deposits in one session

Ruling

Declined - Complaints related to whether UK players should have been prevented from accessing gambling services are reserved to the management of the UKGC.

Read our Casimba Casino Review.

Player's Complaint

In October 2018, at the height of my issues with problem gambling, I opened a Casimba account and deposited £40,000 in the space of a few hours, across multiple cards and resulting in multiple transaction failures.

After working on my issue over the past year and a half, this night has always haunted me - so much so that I took some time to look further into it, as it didn’t seem right. After some investigation, I became aware that Casimba failed to carry out adequate AML and KYC checks on me and my deposits, once I passed the €2000 threshold.

I got in touch with Casimba on 2 March 2020 and then again on 10 March, when I received a reply telling me that their complaints department would need “a few working days” to get back to me. I followed up again on 24 March with no reply and I am yet to receive a response, over 2 months later. I contacted their live chat earlier today and was told the same thing as before: “the relevant department is looking into it. Keep an eye on your emails.”

Looking at their terms and conditions, they mention 28 days as a target, but some cases may be up to 8 weeks. Given that we are now over 8 weeks, I am hopeful that ThePOGG may be more likely to get a response than me.

I have included the original email that I sent to Casimba below.

Over the past number of years, I have suffered from problem gambling. This resulted in me registering with GamStop on the day that this took place in 2018.

Having done some further research into the circumstances around this email, I am confident that you failed to fulfil your UKGC requirements as a gambling operator, for both Responsible Gambling and Anti-Money Laundering. Therefore, I request that you provide a full refund of £40,000.

I have reviewed the documentation set out by the UKGC, here: https://www.gamblingcommission.gov.uk/for-gambling-businesses/Compliance/General-compliance/AML/How-to-comply/Anti-money-laundering-compliance-advice.aspx.

From the documentation above from UKGC:

For casino operators, a key requirement of the Money Laundering Regulations is to make checks on customers. Two approaches can be adopted by casino operators:

• identifying and verifying the identity of all customers on entry to the premises

• undertaking identification and verification when a customer approaches a deposit, spend or win of €2000.

For online operators, this means that you must undertake identification and verification when a customer approaches a deposit, spend or win or €2000. You failed to do this, as highlighted by this email, where you only requested this information the morning afterwards, after £40,000 had been deposited and lost.

Furthermore, the documentation states:

Casino operators should also apply enhanced due diligence measures where:

• the customer is a politically exposed person (PEP)

• the customer comes from a high risk jurisdiction

• there is any other situation which can present a higher risk of money laundering such as an increase in frequency or spend by a customer, or their inclusion on a sanctions list.

I opened this account and immediately began depositing, across 3 cards (moving on to the next one as the other failed due to lack of funds), to a total of £40,000. All of the aforementioned actions should raise suspicion of high risk transactions.

Had you followed the regulations set out by UKGC, my account should have been blocked from making further deposits and I should have received this email once the €2000 threshold had been crossed. This would have prevented me from depositing further funds into your website until you had verified the source of funds, meaning that I would have been able to cool off and would not have continued to deposit and lose money in this short space of time. In fact, you even reference the UK Gambling Commission website in your email.

To summarise:

• I made multiple deposits, totalling £40,000, from 3 credit and debit cards, with payments failing on multiple occasions, due to lack of funds, before moving on to the next card

• Casimba failed to initiate KYC/AML checks after €2000 of transactions, resulting in me being able to deposit and lose much more money, beyond my means

• Casimba failed to recognise the high frequency of deposits and spending on a newly opened account as being a high risk of money laundering and continued to accept deposits

• Casimba failed to recognise the multiple card payment failures as being a high risk of money laundering and continued to accept deposits

I request that you make refund of these £40,000 worth of payments to your company. If you are unable to resolve this matter, I will be left with no other choice than to make a formal complaint to the UK Gambling Commission and, if necessary, seek legal advice to proceed further.

Read the casino review

1 Response

ThePOGG
May 18, 2020

Hi ax83 - welcome to ThePOGG.com!

Unfortunately there is nothing we can do to help you in this instance. The UKGC reserve management of this type of complaint issue to their own team. All we could do is suggest you contact the regulator.

You may find our free Responsible Gambling app BetBlocker useful. It allows users to restrict their internet capable devices from accessing over 12k gambling operator websites for between 24 hours and 5 years.

Sorry we could not be of more help!

ThePOGG

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Agreement

ax83 consented for ThePOGG to act on their behalf and share the personal information that they provide to ThePOGG with the following agencies for the purposes of resolving their complaint:

  • Casimba
  • Malta Gaming Authority
  • Curacao eGaming
  • United Kingdom Gambling Commission
  • Imperium Network Solutions Limited

May 18, 2020

The North American country of Canada shares a border with The United States of America and has coasts on the Atlantic, Arctic and Pacific oceans. The population of Canada is currently in the region of 37.8 million people. With regard to the gambling sector, Canada has historically existed in a grey area but in recent years there has been a move towards officially recognizing that casino gaming, slots play, horse racing, lottery play, video lottery play, charitable gaming and interactive gaming are permitted in the country’s borders. There is no land-based licensor, but online gambling appears to be perfectly legal for Canadian citizens who wish to play.

Disclaimer:

The above information is what we believe to be the the legal status of online gambling, however information on this topic is limited and hard to find. We accept no liability for any errors or ommissions. It is the reader’s responsibility to ensure that they know the legality of online gambling in their country before engaging with any online gambling service.