mwin Terms & Conditions

Last Updated: January 2026
Effective Date: January 2026
Version: 3.2

1. Definitions

For the purposes of these Terms & Conditions, the following definitions apply:

• "Account" means the personal user account created on the mwin platform through which you access services, deposit funds, and place bets.
• "Bet" or "Wager" means any stake placed on a sports event, casino game, lottery draw, or other betting market available on the mwin platform.
• "Bonus" means any promotional credit, free bet, cashback offer, or other incentive granted by mwin under specific terms and conditions.
• "KYC" (Know Your Customer) means the identity verification process requiring submission of government-issued identification documents (Indonesian KTP, passport) and proof of address.
• "Withdrawal" means the process of transferring funds from your mwin account balance to your registered bank account or e-wallet.
• "IDR" or "Rp" means Indonesian Rupiah, the official currency of the Republic of Indonesia and the primary currency used on the mwin platform.
• "WIB" means Western Indonesia Time (UTC+7), the timezone used for all time-sensitive operations including customer support hours, draw schedules, and promotional deadlines.

2. Eligibility and Account Registration

2.1 Age and Residency Requirements

To create an account and use the mwin platform, you must meet the following minimum eligibility criteria:

• You must be at least 21 years of age or the legal age of majority in your jurisdiction, whichever is higher. mwin strictly enforces this age requirement and reserves the right to request proof of age at any time. Accounts found to belong to users under 21 will be immediately suspended, and all funds and winnings will be forfeited.
• You must be a resident of Indonesia or accessing the service from a jurisdiction where online gambling is not explicitly prohibited by local law. You are solely responsible for ensuring that your use of mwin complies with applicable laws in your location.
• You must have the legal capacity to enter into binding agreements. Individuals under legal guardianship, court-ordered restrictions, or adjudicated as legally incompetent are prohibited from using the platform.
• You must not be self-excluded from gambling services, either voluntarily through mwin's responsible gaming tools or through third-party exclusion databases.

2.2 Account Creation

When you register for a mwin account, you agree to:

• Provide accurate, complete, and truthful information during the registration process, including your full legal name, date of birth, email address, residential address, and phone number.
• Maintain only one account per person. Creating multiple accounts ("multi-accounting") is strictly prohibited and may result in closure of all accounts and forfeiture of funds and winnings.
• Keep your login credentials secure and confidential. You are solely responsible for all activity that occurs under your account, including unauthorized access resulting from credential theft or sharing.
• Notify mwin immediately if you suspect unauthorized access to your account by contacting customer support via live chat or email.

2.3 Know Your Customer (KYC) Verification

mwin is required by international anti-money laundering (AML) regulations and responsible gaming standards to verify the identity of all users. You agree to:

• Submit a clear, legible copy of your government-issued photo identification (Indonesian KTP, passport, or driver's license) showing your full name, date of birth, and photograph.
• Provide a recent selfie photograph holding your identification document next to your face for comparison purposes.
• Submit proof of address (utility bill, bank statement, or government correspondence) dated within the last three months if requested by our compliance team.
• Complete KYC verification before your first withdrawal. Accounts that have not completed KYC may place bets and deposit funds, but withdrawal requests will be held pending identity verification.

KYC verification is typically completed within 1–4 hours during WIB business hours (Monday–Friday, 09:00–18:00 WIB). Off-peak submissions may take up to 24 hours. mwin reserves the right to request additional documentation or conduct enhanced due diligence for high-value accounts or suspicious activity.

3. Deposits and Account Funding

3.1 Accepted Payment Methods

mwin supports deposits via the following Indonesian payment methods:

• Bank Transfers: BCA, BRI, BNI, Mandiri, CIMB Niaga, OCBC NISP, Bank Danamon, BSI (Bank Syariah Indonesia), Bank Permata
• E-Wallets: OVO, DANA, GoPay, ShopeePay, LinkAja

All deposits must be made in Indonesian Rupiah (IDR). Minimum deposit amounts vary by payment method, typically ranging from Rp 10.000 (e-wallets) to Rp 25.000 (bank transfers). Maximum deposit limits are displayed during the deposit process and may vary based on your account tier and KYC verification status.

3.2 Deposit Processing Times

Most deposits are credited to your mwin account within minutes of successful payment confirmation. Processing times may vary depending on the payment method, bank network load, and time of day. Deposits made outside banking hours (after 22:00 WIB or on weekends) may experience delays due to bank processing schedules.

3.3 Deposit Fees and Charges

mwin does not charge platform fees for deposits. However, your bank or e-wallet provider may charge standard interbank transfer fees (typically Rp 6.500 for Indonesian bank transfers) or processing fees (varies by e-wallet provider). These third-party fees are deducted by your payment provider and are not controlled by mwin.

3.4 Minimum Account Balance

You must maintain a minimum account balance equal to the minimum bet amount for your chosen game or market. Accounts with zero balance cannot place bets. You are responsible for ensuring sufficient funds are available before placing any wager.

4. Withdrawals and Payouts

4.1 Withdrawal Eligibility

To request a withdrawal from your mwin account, you must:

• Have completed KYC identity verification and submitted all required documents.
• Be withdrawing to a bank account or e-wallet registered in your own name. Third-party withdrawals are prohibited for anti-money laundering compliance.
• Have a minimum balance of Rp 50.000 available for withdrawal (minimum withdrawal amount).
• Not be subject to any active bonus wagering requirements that restrict withdrawals. Bonus funds must meet stated wagering requirements before conversion to withdrawable cash.
• Not have any pending investigations or disputes related to your account activity.

4.2 Withdrawal Processing Times

mwin processes the majority of withdrawal requests as follows:

• BCA, BRI, BNI, Mandiri: 15 minutes to 24 hours (typically under 15 minutes during peak WIB hours, 08:00–22:00)
• CIMB Niaga, OCBC NISP, Bank Danamon: 15 minutes to 2 hours
• OVO, DANA, GoPay: Instant to 5 minutes for KYC-verified accounts
• ShopeePay, LinkAja: Instant to 15 minutes

Withdrawals requested after 22:00 WIB or on weekends may be queued and processed the following business day morning. Large withdrawal requests (over Rp 50.000.000) or first-time withdrawals may require additional manual review and take up to 48 hours.

4.3 Withdrawal Fees

mwin does not charge platform fees for withdrawals. Your receiving bank may charge standard interbank receiving fees (varies by institution). These third-party charges are outside mwin's control and are deducted by your bank.

4.4 Withdrawal Limits

Withdrawal limits vary by account tier:

• Bronze (Standard): Up to Rp 25.000.000 per transaction, Rp 100.000.000 per month
• Silver: Up to Rp 50.000.000 per transaction, Rp 250.000.000 per month
• Gold: Up to Rp 100.000.000 per transaction, Rp 500.000.000 per month
• Platinum: Unlimited (subject to standard AML review for amounts over Rp 100.000.000 per transaction)

5. Bonuses and Promotions

5.1 Bonus Terms Acceptance

By claiming any bonus, free bet, cashback offer, or other promotional incentive on mwin, you agree to the specific terms and conditions attached to that promotion, which may include:

• Minimum deposit requirements to qualify for the bonus
• Wagering requirements (also called "rollover" or "turnover") specifying the number of times bonus funds must be wagered before conversion to withdrawable cash
• Maximum bet limits while bonus funds are active
• Game contribution rates (some games contribute less than 100% toward wagering requirements)
• Validity periods after which unused bonus funds and associated winnings expire
• Maximum win caps limiting the total amount that can be won using bonus funds

5.2 Bonus Abuse and Fraud

mwin reserves the right to void bonuses, withhold winnings, and close accounts if we detect bonus abuse, including but not limited to:

• Creating multiple accounts to claim the same bonus multiple times
• Coordinated betting patterns with other users designed to guarantee profit from bonus offers (arbitrage betting)
• Using automated software, bots, or scripts to place bets with bonus funds
• Depositing, claiming a bonus, and withdrawing without placing genuine bets ("bonus hunting")
• Exploiting technical errors or glitches in bonus crediting systems

If bonus abuse is detected, mwin will forfeit all bonus funds, void any associated winnings, and may permanently close your account without refund.

5.3 Promotional Communication

By creating an account, you consent to receive promotional emails, SMS messages, and in-platform notifications about bonuses, special offers, and platform updates. You may opt out of marketing communications at any time via your account settings or by contacting customer support.

6. Betting Rules and Conduct

6.1 General Betting Principles

When placing bets on the mwin platform, you agree that:

• All bets are final and binding once accepted by the system. You cannot cancel, modify, or reverse a bet after placement unless explicitly permitted by the specific game rules (e.g., cash-out functionality on live sports bets).
• mwin reserves the right to refuse or void any bet at its discretion, including bets placed with obvious pricing errors, technical glitches, or during periods of system malfunction.
• You must have sufficient funds in your account to cover the full stake amount before placing a bet. Negative balances are not permitted.
• Bets placed on suspended or closed markets will be automatically voided and stakes returned.
• Maximum payout limits apply to certain bet types and are displayed in the bet slip before confirmation. Winnings exceeding stated maximums will be capped.

6.2 Prohibited Activities

The following activities are strictly prohibited and will result in account suspension, forfeiture of funds, and potential legal action:

• Collusion: Coordinating with other users to manipulate outcomes, share information, or gain unfair advantage
• Match-fixing: Betting on events where you have inside knowledge of manipulated outcomes or participating in corruption of sporting events
• Arbitrage betting: Exploiting odds discrepancies across platforms to guarantee risk-free profit
• Automated betting: Using bots, scripts, or software to place bets automatically or at high frequency
• Syndicate betting: Operating as part of an organized betting syndicate or professional betting operation without disclosure
• Insider trading: Placing bets based on non-public information that provides unfair advantage

6.3 Sports Betting Rules

For football (bandar bola), mix parlay (accumulator), and other sports betting markets:

• Bets are settled based on the official result declared by the governing sports body (FIFA, AFC, BRI Liga 1 organizing committee, etc.).
• Asian Handicap (voor bola) bets follow standard Asian Handicap settlement rules. Half-win and half-loss scenarios apply when the handicap line is a quarter goal (0.25, 0.75, 1.25, etc.).
• Live in-play betting odds are updated in real time but may experience brief delays (typically 3–8 seconds). Bets placed during suspension periods will be voided.
• If a match is abandoned, postponed, or suspended before completion, settlement rules vary by sport and market. Most markets are voided unless the match resumes within 24 hours. Check specific sport rules for details.

6.4 Casino and Slot Rules

For live casino games, slots (slot gacor), and RNG-based games:

• All games use certified Random Number Generators (RNG) or live-dealer protocols audited by third-party testing laboratories. Game outcomes cannot be predicted or manipulated.
• Return to Player (RTP) percentages are theoretical long-term averages. Individual session results will vary significantly. High RTP does not guarantee winnings in any given session.
• Disconnection policies: If your internet connection drops during a game round, the round will complete automatically. Winnings (if any) will be credited to your account. You can view the outcome in your betting history.
• Malfunction voids all pays: In the rare event of a game malfunction, all affected bets will be voided and stakes returned. This includes display errors, software glitches, and server failures.

6.5 Lottery and Togel Rules

For togel (Indonesia's traditional numbers lottery) and other lottery-style games:

• Draw results are determined by the official lottery operator and published in real time at the scheduled draw time (WIB).
• Bets must be placed before the draw cut-off time displayed on each market. Late bets will be automatically moved to the next available draw.
• Payout rates for 2D, 3D, and 4D markets are displayed before bet placement and are final. Payout rates may vary by draw and market type.
• In the event of a cancelled or postponed draw, all bets on that draw will be voided and stakes returned in full.

7. Responsible Gaming and Self-Exclusion

7.1 Commitment to Player Protection

mwin is committed to promoting responsible gaming practices and providing tools to help users maintain control over their gambling activity. We strongly encourage all users to gamble responsibly and seek help if gambling is negatively affecting their life, finances, or relationships.

7.2 Available Responsible Gaming Tools

The following tools are available to all verified mwin accounts, free of charge, and take effect immediately upon activation:

• Deposit Limits: Set daily, weekly, or monthly maximum deposit amounts. Limits can be increased only after a 7-day cooling-off period; decreases take effect immediately.
• Loss Limits: Cap the maximum net loss (deposits minus withdrawals) per day, week, or month across all game categories.
• Session Time Limits: Define the maximum continuous session duration. The platform will automatically log you out when the limit is reached.
• Reality-Check Reminders: Receive periodic pop-up notifications (every 30, 60, or 90 minutes) displaying your current session duration, net wins/losses, and a prompt to continue or end the session.
• Self-Exclusion: Temporarily or permanently suspend your account for 24 hours, 7 days, 30 days, 90 days, 6 months, 1 year, or indefinitely. Self-exclusion cannot be reversed during the chosen period. You will not receive marketing communications during exclusion.

7.3 Accessing Support

If you believe you have a gambling problem or need support, please:

• Contact our customer support team via live chat or email. Our agents are trained to provide non-judgmental guidance and can assist with activating responsible gaming tools or self-exclusion.
• Visit our Responsible Gaming page for links to Indonesian and international problem gambling helplines and counselling resources.
• Activate self-exclusion immediately if you feel you are losing control. This action is free, confidential, and effective within minutes.

8. Privacy and Data Protection

mwin collects, processes, and stores personal information in accordance with our published Privacy Policy. By using the platform, you consent to:

• Collection of personal data including name, date of birth, address, phone number, email address, identification documents, transaction history, betting history, device information, and IP address.
• Use of your data for account verification (KYC), fraud prevention, customer support, platform improvement, and compliance with anti-money laundering regulations.
• Storage of your data on secure servers located outside Indonesia. We use industry-standard encryption and access controls to protect your information.
• Retention of your data for up to 7 years following account closure, as required by financial regulations and legal obligations.

We will never sell or share your personal information with third parties for marketing purposes without your explicit consent. For full details, please read our Privacy Policy.

9. Limitations of Liability

To the fullest extent permitted by applicable law, mwin and its officers, directors, employees, and partners shall not be liable for:

• Technical failures: Service interruptions, downtime, software errors, server crashes, network outages, or any other technical malfunction beyond our reasonable control.
• Third-party payment delays: Processing delays caused by your bank, e-wallet provider, or payment network. mwin is not responsible for third-party service failures.
• Unauthorized access: Losses resulting from your failure to keep login credentials secure, phishing attacks, malware, or account takeover where you did not enable two-factor authentication.
• Indirect or consequential damages: Loss of profits, loss of data, emotional distress, or any indirect damages arising from your use of the platform.
• Legal risks: Any legal consequences you may face in your jurisdiction for accessing or using online gambling services. You are solely responsible for ensuring compliance with local laws.

In no event shall mwin's total liability to you for all claims arising from your use of the platform exceed the total amount you have deposited into your account in the 90 days preceding the claim.

10. Dispute Resolution

In the event of any dispute, complaint, or disagreement arising from your use of the mwin platform:

1. Contact Customer Support: Most issues can be resolved quickly by contacting our support team via live chat or email. Provide your account username, a clear description of the issue, and any relevant screenshots or transaction IDs.
2. Formal Complaint Submission: If the initial support response does not resolve your issue, you may submit a formal written complaint to our compliance team. Include all relevant details, your desired resolution, and supporting evidence.
3. Review Period: Our compliance team will investigate your complaint and respond within 14 business days. Complex cases may require additional time.
4. Final Decision: mwin's decision following internal review is final and binding. We reserve the right to make the ultimate determination on all disputes related to platform use, bet settlement, bonus eligibility, and account status.

11. Governing Law and Jurisdiction

These Terms & Conditions are governed by and construed in accordance with the laws of the jurisdiction in which mwin holds its international gaming license. Any disputes that cannot be resolved through mwin's internal complaint process shall be subject to the exclusive jurisdiction of the courts of that jurisdiction.

By using the mwin platform, you acknowledge that online gambling may be subject to legal restrictions in your location. You are solely responsible for ensuring that your use of mwin complies with all applicable laws in the Republic of Indonesia or any other jurisdiction from which you access the service.

12. Amendments to Terms

mwin reserves the right to modify, amend, or update these Terms & Conditions at any time without prior notice. Changes may be made to reflect:

• Updates to regulatory requirements or licensing conditions
• Introduction of new features, games, or payment methods
• Changes to bonus structures, wagering requirements, or promotional terms
• Clarification of existing rules or correction of errors

When material changes are made, we will notify users via email, in-platform notification, or prominent notice on the homepage. The "Last Updated" date at the top of this document will reflect the most recent revision. Continued use of the platform following any amendments constitutes acceptance of the updated terms.

13. Account Closure and Termination

mwin reserves the right to suspend or permanently close any user account at our sole discretion, with or without prior notice, if we determine that:

• You have violated any provision of these Terms & Conditions
• You are engaged in fraudulent activity, bonus abuse, or prohibited betting practices
• You have provided false, inaccurate, or misleading information during registration or KYC
• You are under the age of 21 or otherwise ineligible to use the service
• Your account activity poses a risk to the integrity, security, or reputation of the platform
• You have requested permanent self-exclusion

Upon account closure, any remaining genuine cash balance (excluding bonus funds) will be returned to you via your registered withdrawal method, subject to completion of KYC verification and clearance of any pending investigations. mwin is not required to provide detailed reasons for account closure decisions.

14. Contact Information

If you have questions, concerns, or require assistance regarding these Terms & Conditions or any aspect of the mwin platform, please contact us through the following channels:

• Live Chat: Available 24/7 via the in-platform chat widget (accessible after login). Average response time under 5 minutes during WIB business hours.
• Email Support: Displayed in the Help Centre after login. Typical response time 4–12 hours.
• Help Centre & FAQ: Visit our FAQ page for instant answers to common questions about registration, deposits, withdrawals, bonuses, and responsible gaming tools.

All support communications are handled in English or Bahasa Indonesia, depending on your preference. Our Indonesian-speaking agents are available 24/7 and are fluent in both formal and colloquial Indonesian.