Tote Payment Methods | Fast Deposits & Withdrawals

# Tote Payment Methods Tote offers flexible payment options to help you manage your account funds easily. Whether you want to deposit money to place bets or withdraw your winnings, Tote supports various payment methods with clear terms for both deposits and withdrawals. All transactions are subject to verification checks as part of Tote's regulatory compliance. Miinmum and maximum limits apply to both deposits and withdrawals, and funds are processed according to your bank's clearance periods. Understanding Tote's payment policies ensures smooth transactions on your account. ## Depositing Funds To place bets or play games on Tote, you must have funds in your account or available Tote Credit (redeemable on racing bets only). You can deposit funds by clicking the "Add Funds" link on our website or mobile app, or by calling our Customer Care Team for assistance. **Deposit Minimums** The minimum deposit is £5 for UK customers and €5 for Ireland customers. Tote reserves the right to change the minimum deposit amount at any time, with changes published on our Channels. **Payment Methods** Tote accepts multiple payment methods for deposits. You may only have one active payment method at any time on your account-either a debit card or Apple Pay. If using Apple Pay, the card in your Apple Pay wallet must match your registered debit card. To change your payment method, use the facility on our Channels or contact our Customer Care Team. **Payment Method Requirements** The payment method you use must be in your name and address, matching your account details. You are responsible for ensuring all funds deposited are your own. If Tote discovers you are using another person's payment method or funds, we reserve the right to close your account and notify relevant authorities. **Security and Processing** Tote is enrolled in the Secure Code program, which provides an additional layer of online security for your card account. Your bank or payment provider must authorise all deposits. Tote accepts no liability if your bank declines the payment. Note that you may incur charges from your card issuer for deposits-ask your bank for details. **Important Restrictions** Do not use your Tote account as a banking facility. If you make repeated deposits and withdrawals without corresponding bets or games, Tote reserves the right to suspend or close your account and pass on any bank charges incurred to you. ## Withdrawing Funds You may withdraw available funds from your account at any time (free of charge), except for Tote Credit and Free Bets. Funds are transferred only using the original payment method with which those funds were deposited. **Withdrawal Minimums and Maximums** The minimum withdrawal is £10 for UK customers and €10 for Ireland customers. The maximum amount that can be withdrawn in a single transaction is £20000 for UK customers and €20,000 for Ireland customers. Your bank or card provider may also have their own restrictions. Tote reserves the right to change minimum and maximum withdrawal levels at its reasonable discretion, with changes published on our Channels. **Processing Timeline** Funds will leave Tote at the close of business on the working day your withdrawal is requested, unless additional security checks are required. Funds are then credited to your payment method and are subject to a clearance period determined by your card-issuing bank (normally 3-5 working days) or online payment service (normally same day). **Withdrawal Approvals** At Tote's reasonable discretion, withdrawal requests may be held for approval before processing. Tote reserves the right to process multiple withdrawals via the same method on the same day as a single transaction on that day. **Your Responsibilities** You are responsible for reporting and declaring any funds withdrawn, including any winnings, if such reporting is required by law or tax authorities. While Tote takes reasonable steps to avoid errors, Tote will not accept responsibility for errors or omissions in withdrawals or deposits (except where proven negligent). If funds are credited or debited incorrectly, you must notify Tote without delay so we can attempt to rectify the error. ## Verification and Security Checks As part of compliance with anti-money laundering regulations, Tote may ask you to verify your identity and address and provide proof of ownership of any payment methods used to deposit or withdraw funds. This may happen at any time and at various thresholds determined by legal and regulatory requirements. **Required Documentation** You may be asked to provide updated versions of documents you've previously submitted. Where Tote cannot verify relevant information, your account will be suspended and you will be unable to deposit or withdraw funds until satisfactory evidence is received. If verification fails, stakes will be returned without any accumulated winnings (unless prohibited by law). **Source of Funds Checks** Tote may also conduct checks on the actual source or origin of funds in your account. This requires you to provide additional documentation depending on the funds' origin: - **Employment**: Payslips, pension statements, or bank statements showing regular salary payments - **Savings**: Bank statements for the previous three months - **Inheritance**: Letter from the executor detailing your beneficiary amount, plus bank statement showing corresponding payment - **Investment**: Documentation evidencing liquidation (such as stock transfer form) plus bank statement showing proceeds - **Property**: Documentation evidencing property sale plus bank statement showing proceeds, or rental agreement plus bank statement showing rent payments - **Gambling Winnings**: Account transaction history from a third-party gambling operator in your name If acceptable documents are not received, Tote reserves the right to suspend your account, cancel all bets, and return your deposits. ## Account Closure and Fund Returns When you close your account, Tote will return your deposit balance (excluding Tote Credit) by a method determined by us, provided you have complied with the Terms and Conditions and are not prohibited by law or regulation. However, Tote reserves the right to withhold and retain any amounts otherwise payable, including winnings, deposits, or bonus amounts, where your account is suspended or closed in accordance with fraud or anti-money laundering provisions. If your account has an unsettled bet at closure, those bets will stand unless Tote advises otherwise. Contact our Customer Care Team to collect any winnings from unsettled bets. ## Contact Our Customer Care Team For assistance with deposits, withdrawals, or payment method changes, contact our Customer Care Team by live chat, phone, or email at customercare@tote.co.uk. Our team is available to help guide you through the payment process and answer any questions about transaction limits or verification requirements.