Tote Payment Methods | Safe Deposits & Quick Withdrawals

# Tote Payment Methods Tote accepts deposits and withdrawals to manage your betting account funds. You can deposit a minimum of £5 (UK) or €5 (Ireland), with no maximum deposit limits set by Tote, though your bank may impose restrictions. Withdrawals have a minimum of £10 (UK) or €10 (Ireland) and a maximum of £20,000 (UK) or €20,000 (Ireland) per transaction. Funds are processed using your original payment method and typically clear within 3-5 working days for card payments or same day for online payment services. Only one active payment method is permitted on your account at any time. ## Deposit Methods To deposit funds into your Tote account, click the Add Funds link on our channels or contact our Customer Care Team for assistance. You may also deposit while playing a Game by clicking the Account button and following the onscreen instructions. **Minimum deposit:** £5 (UK) or €5 (Ireland) We accept debit cards and Apple Pay. Apple Pay may be used alongside a debit card if the card in your Apple Pay wallet matches your registered debit card. Your payment method must be in your name and address, matching your account details. We assume you are using your own funds and accept no liability if this is not the case. We reserve the right to change accepted payment methods or refuse any payment at our discretion, regardless of previous transactions. All depsoits are subject to your bank or payment provider's authorisation, and we accept no liability where authorisation is not provided. **Note:** You may incur charges from your card issuer. Please ask your bank for details. We are enrolled in the Secure Code program, which provides additional online security through a private code known only to you and your financial institution. ## Withdrawal Methods You may withdraw available funds from your account at any time, free of charge, using the payment method with which those funds were originally deposited. Funds will remain in your account until you submit an online withdrawal request. **Withdrawal limits:** - Minimum: £10 (UK) or €10 (Ireland) - Maximum per transaction: £20,000 (UK) or €20,000 (Ireland) Your bank or card provider may also have restrictions on withdrawals. **Processing times:** Withdrawal requests are processed at the close of business on the working day the transfer is requested, unless additional security checks are required. Funds are then subject to a clearance period determined by your card-issuing bank (normally 3-5 working days) or online payment service (normally same day). We reserve the right to hold withdrawal requests for approval before processing and may process multiple withdrawals via the same method on the same day as a single transaction. **Important:** You can only withdraw funds using the payment method originally used for deposits. Tote Credit and Free Bets cannot be withdrawn as cash. ## Verification at Deposit or Withdrawal As part of our anti-money laundering compliance, we may ask you to verify your identity, address, and proof of ownership of payment methods at certain thresholds. This may include updated versions of previously submitted documents. We may also request documentation to verify the source of funds in your account, such as: - Employment: payslips, pension statements, or bank statements showing salary payments - Savings: bank statements for the previous three months - Inheritance: letter from executor and corresponding bank statement - Investments: liquidation documentation and bank statement - Property: sale documentation or rental agreement with bank statement - Gambling winnings: transaction history from third-party operators If we cannot verify information to our satisfaction, your account will be suspended and you will be unable to deposit or withdraw funds. If acceptable documents are not received, we reserve the right to suspend your account, cancel all bets, and return deposits. ## Account Balance and Funds Funds in your account are held in accounts separate from Tote's business accounts. Tote has Medium-level customer fund protection as defined by the Gambling Commission. For more information, refer to the Segregation of Funds page on our website. Your account should not be used as a banking facility. If you make repeated deposits and withdrawals without corresponding bets or gaming activity, we reserve the right to suspend or close your account and pass any bank charges to you. **Incorrect credits:** If any sum is incorrectly credited to your account, we may correct the error and cancel any subsequent bets placed using those funds. You will be responsible for repayment of incorrect amounts on demand, or we may deduct such amounts from future deposits. ## Account Closure and Fund Return When you close your account, provided you have complied with our Terms and Conditions and we are not prohibited by law, we will return the sum on deposit in your account (excluding Tote Credit) by a method of payment determined by us. We reserve the right to withhold any funds where you have suspended or closed your account in accordance with our fraud or violation policies. If you have unsettled bets at the time of closure, these will stand unless we advise otherwise. Contact our Customer Care Team to collect any winnings from such bets. ## Dormant Accounts If you have not placed a bet for 24 months, your account is deemed dormant. We will notify you by email and attempt to return your balance via your last used payment method. If we cannot successfully return your balance, a monthly administration fee of £3.00 will be applied to your account, starting 30 days after notification. This fee continues until your balance reaches £0 or you reactivate your account by logging in and depositing, withdrawing, or placing a bet. ## Account Security and Responsibility You are solely responsible for maintaining the confidentiality and security of your account information, including your password. All bets placed on your account are assumed to be valid and authorised by you. We accept no liability for losses resulting from account misuse, whether fraudulent or otherwise. If you believe your account information has been compromised, change your password immediately via the My Account section or contact our Customer Care Team. ## Customer Care Contact For assistance with deposits, withdrawals, or payment methods, contact our Customer Care Team: - Email: customercare@tote.co.uk - Phone: 1800 238 669 - Live Chat: Available on our website