This Payment Policy sets out the terms and conditions governing deposits, withdrawals, account verification and related financial matters at Spinbara Casino, operated by Stellar Ltd at spinbaraonline.org. By making any deposit or requesting any withdrawal on the platform, you confirm that you have read, understood and agreed to the terms below. Spinbara is licensed under Anjouan ALSI (licence no. 202412012, FI1) and Curaçao eGaming; all financial transactions on the platform are conducted in accordance with those regulatory frameworks.

1. General Principles

Spinbara is committed to providing a secure, transparent and efficient cashier experience. Every transaction processed through spinbaraonline.org is protected by SSL 256-bit encryption. We operate a strict same-method withdrawal policy wherever applicable, meaning funds will ordinarily be returned via the same payment method used for the corresponding deposit. Spinbara reserves the right to request additional verification documents at any point in accordance with our Know Your Customer (KYC) obligations before authorising any withdrawal.

All account balances are denominated in euros (€) unless otherwise stated. Currency conversion fees, where applicable, are determined by your chosen payment provider and are outside Spinbara's control. You are solely responsible for any fees charged by your bank, card issuer, e-wallet provider or cryptocurrency network.

2. Accepted Currencies

The primary account currency at Spinbara is the euro (€). Cryptocurrency deposits are accepted and converted at the prevailing exchange rate at the time of the transaction. Players are advised to check current exchange rates before depositing in cryptocurrency, as values may fluctuate between the time of deposit and any subsequent withdrawal.

3. Deposit Methods

Spinbara supports a broad range of deposit methods to accommodate players across different regions. All deposits are processed instantly unless stated otherwise. Bank Transfer deposits may take between one and three business days to reflect in your account, subject to your banking institution's processing times.

3.1 Deposit Conditions

• The minimum deposit amount is €10 for most methods and €20 for others; the applicable minimum will be displayed at the cashier before you confirm your transaction.
• Spinbara does not charge a fee for processing deposits; however, your payment provider may apply their own charges.
• Deposits must be made from a payment account or instrument registered in your own name. Third-party deposits are strictly prohibited.
• If a deposit does not appear in your Spinbara account within the expected timeframe, please contact our support team via Live Chat or at [email protected] before raising a dispute with your payment provider.
• Spinbara reserves the right to decline or reverse a deposit where it reasonably suspects fraudulent activity, a breach of these terms, or a conflict with our regulatory obligations.
• Prepaid instruments such as Paysafecard and Neosurf may not be eligible for withdrawals; in such cases, an alternative withdrawal method will be required.

3.2 Bonus Deposits

To activate the Welcome Offer of 100% up to €1,500 plus 50 Free Spins on Gates of Olympus, a minimum deposit of €20 is required and bonus code SPIN2BILL must be entered at registration. Failure to enter the bonus code at the point of registration may result in the full value of the offer not being applied. Bonus terms, including wagering requirements and time limits, are detailed in our Bonus Terms and Conditions. Deposits made for promotional purposes are subject to those terms in addition to this Payment Policy.

4. Withdrawal Methods

Spinbara processes withdrawal requests in accordance with the method used for deposit, where operationally possible. Withdrawals are subject to KYC verification being completed prior to any payment being released. The minimum withdrawal amount is €20 and the maximum withdrawal limit for standard accounts is €20,000 per calendar month. VIP members may be eligible for higher monthly withdrawal limits as agreed with their dedicated account manager.

4.1 Withdrawal Processing Times Explained

The timeframes stated above refer to Spinbara's internal processing time once a withdrawal request has been approved. Additional time may be required by your payment provider to credit funds to your account, particularly for card payments and bank transfers, and this is outside Spinbara's control.

• Cryptocurrency withdrawals (Bitcoin, Ethereum, Litecoin, USDT, USDC, XRP, BNB, TRX) are typically the fastest route: approved transactions are generally processed in under one hour. Network congestion may occasionally affect delivery times.
• E-wallet withdrawals (Skrill, Neteller, MiFinity, PayPal) are ordinarily processed within 24 to 48 hours of approval.
• Visa and Mastercard withdrawals are generally processed within up to 24 hours, after which your card issuer's own posting schedule applies.
• Bank Transfer withdrawals may take between one and five business days after approval, depending on your bank and jurisdiction.

4.2 Withdrawal Conditions

• All withdrawals require a fully verified account. We strongly recommend completing KYC verification promptly after registration to avoid any delays when you wish to withdraw.
• Withdrawals will not be processed to a payment method that was not used for a deposit on the account, except where Spinbara has confirmed an alternative arrangement in writing.
• Only real-money balances that have met all applicable wagering requirements are eligible for withdrawal. Bonus funds that have not cleared the relevant wagering requirements cannot be withdrawn.
• Spinbara reserves a right to conduct additional security checks on any withdrawal request. Where such checks are required, processing times may be extended. We will communicate any such delay to you promptly.
• Withdrawals of winnings derived from Free Spins may be subject to the specific maximum cashout limits stated in the relevant promotion's terms. Where a maximum cashout applies, any amount exceeding that cap will not be transferable to your withdrawable balance.
• Spinbara does not charge a withdrawal processing fee. Network fees applicable to cryptocurrency withdrawals may be deducted from the withdrawal amount and are set by the respective blockchain network, not by Spinbara.
• Monthly withdrawal limits reset at the start of each calendar month. Any portion of the monthly limit not used in one month does not carry forward.

4.3 Cancelled and Reversed Withdrawals

You may cancel a pending withdrawal request before it has been approved and processed, provided the cancel option is still available within the cashier. Once a withdrawal has been approved and dispatched, it cannot be reversed. If you cancel a withdrawal, the funds will be returned to your real-money account balance. Spinbara draws your attention to the importance of responsible gambling: repeatedly cancelling withdrawal requests may be an indicator of problem gambling behaviour. If you feel you may need support, please consult Section 9 of this policy or visit our Responsible Gambling page.

5. Know Your Customer (KYC) Verification

In fulfilment of our obligations under our Anjouan ALSI and Curaçao eGaming licences, and in accordance with applicable anti-money laundering (AML) and counter-terrorism financing (CTF) standards, Spinbara is required to verify the identity of all players prior to processing any withdrawal. KYC verification may also be triggered at any other point where Spinbara deems it necessary for compliance or security purposes.

5.1 Documents Required

You may be asked to provide one or more of the following categories of documentation. Spinbara will communicate clearly which documents are required for your specific account:

• Proof of Identity: A valid government-issued photo ID such as a passport, national identity card or driving licence.
• Proof of Address: A recent utility bill, bank statement or official correspondence issued within the last three months, showing your name and residential address.
• Proof of Method: A copy of the card (showing only the first six and last four digits, with the CVV obscured), a screenshot of your e-wallet account, or a bank statement confirming account ownership.
• Source of Funds: Documentation evidencing the legitimate origin of funds used for gambling activity. This may include payslips, bank statements, or other financial records. This is required where transaction volumes or individual deposits reach a threshold that triggers enhanced due diligence.

5.2 Verification Process

• Documents should be submitted through the designated verification section of your account on spinbaraonline.org, or as directed by the support team.
• Spinbara will endeavour to review submitted documents as promptly as possible. We may request further information or documentation if the initial submission is insufficient.
• Withdrawal requests will remain on hold until KYC is successfully completed. Completing verification early — ideally immediately after registration — is strongly advised to ensure no delays arise when you wish to withdraw.
• All documents and personal data submitted as part of KYC are processed in accordance with Spinbara's Privacy Policy and applicable data protection legislation.
• Spinbara reserves the right to suspend or close an account and withhold funds pending further investigation where KYC documentation cannot be satisfactorily provided or where fraudulent documents are submitted.

6. Anti-Money Laundering (AML) Policy

Spinbara operates a zero-tolerance approach to money laundering, terrorist financing and any other financial crime. All transactions are monitored for suspicious activity. Where a transaction or pattern of transactions raises concern, Spinbara may:

• Temporarily restrict or suspend access to your account;
• Request enhanced documentation confirming your source of funds or source of wealth;
• Report the matter to relevant regulatory or law enforcement authorities as required by applicable law;
• Void winnings and close the account where a breach of AML obligations is confirmed.

Players must not use Spinbara accounts as a means to transfer, layer or integrate funds derived from criminal activity. Any account found to be engaged in such activity will be closed immediately and the matter referred to the appropriate authorities.

7. Transaction Security

Every financial transaction on spinbaraonline.org is protected by SSL 256-bit encryption, ensuring that sensitive data transmitted between your device and our servers is secured at all times. Spinbara employs additional fraud detection and monitoring systems to protect player accounts. You are responsible for maintaining the confidentiality of your account login credentials. If you suspect any unauthorised access to your account, you must notify us immediately via Live Chat or at [email protected].

8. Dormant Accounts and Unclaimed Balances

An account is considered dormant when there has been no login or financial activity for a continuous period as defined in Spinbara's Terms and Conditions. Where an account becomes dormant, Spinbara may apply an administrative maintenance fee in accordance with those terms. Players are encouraged to log in periodically and to withdraw available balances promptly. Details of the dormancy period and applicable fees are set out in the full Terms and Conditions available on spinbaraonline.org.

9. Responsible Gambling and Financial Limits

Spinbara is committed to promoting responsible gambling. We provide tools to help you manage your spending and gambling behaviour. Where financial activity on your account gives rise to concern, our team may make contact to offer support or, where necessary, apply protective measures to your account.

We encourage all players to make use of the following account management tools available on spinbaraonline.org:

• Deposit limits: Set daily, weekly or monthly caps on the amount you can deposit.
• Loss limits: Restrict the amount you can lose within a defined period.
• Session limits and reality checks: Set time-based reminders or hard stops on your play sessions.
• Self-exclusion: Voluntarily exclude yourself from the platform for a defined period or indefinitely.
• Account cooling-off periods: Take a short break from gambling without full self-exclusion.

If you believe your gambling is causing harm to yourself or others, please visit our Responsible Gambling page or contact an independent support organisation such as GamCare (gamcare.org.uk) or BeGambleAware (begambleaware.org).

10. VIP Members — Enhanced Payment Terms

Players who have been invited into Spinbara's VIP programme may be eligible for enhanced payment terms, including higher monthly withdrawal limits beyond the standard €20,000 cap, priority withdrawal processing, and bespoke financial arrangements agreed individually with their dedicated account manager. VIP programme membership is invite-only and is based on account activity. All VIP payment arrangements remain subject to KYC compliance and AML obligations without exception.

11. Errors and Disputes

If you believe there is an error in a transaction processed on your Spinbara account, you must notify us as soon as reasonably practicable and no later than 30 days from the date of the transaction in question. Disputes should be raised in the first instance with our support team via Live Chat or by email at [email protected], providing your account details, the transaction reference, the amount in dispute and a description of the issue. Spinbara will investigate and respond within a reasonable timeframe. Where a dispute cannot be resolved to your satisfaction, you may escalate the matter in accordance with our Complaints Policy, available on spinbaraonline.org.

In the event of a technical fault, processing error or manifest error resulting in an incorrect credit to your account, Spinbara reserves the right to reverse or correct the transaction regardless of whether the affected funds have subsequently been played or withdrawn.

12. Changes to This Policy

Spinbara reserves the right to amend this Payment Policy at any time. Material changes will be communicated to registered players via email or an in-platform notification. Continued use of the cashier following notification of any change constitutes your acceptance of the updated terms. The current version of this Payment Policy is always accessible on spinbaraonline.org.

13. Contact Us

If you have any questions regarding this Payment Policy or any transaction on your account, our support team is available around the clock:

• Live Chat: Available 24/7 directly on spinbaraonline.org
• Email: [email protected]

Spinbara is operated by Stellar Ltd, licensed by Anjouan ALSI (licence no. 202412012, FI1) and Curaçao eGaming. This Payment Policy forms part of our overall Terms and Conditions. In the event of any conflict between this policy and the Terms and Conditions, the Terms and Conditions shall prevail.