Source of Funds at Online Casinos: What It Means, Accepted Documents & How to Pass Fast

If an online casino asks you for “Source of Funds” (often shortened to SoF), it can feel invasive—especially if you’re just trying to withdraw your winnings. But in many cases, it’s a standard compliance step that casinos use to confirm where your money comes from and to meet regulatory requirements.

This guide explains what Source of Funds checks are, why casinos request them, which documents are typically accepted, the most common reasons submissions get rejected, and how to pass the check as quickly as possible.

What is a Source of Funds (SoF) check?

A Source of Funds check is a verification step where a casino asks you to prove where the money you’re using (or withdrawing) comes from. The casino may want to confirm that your deposits are funded legitimately and that the payment methods used are owned by you.

This is different from basic KYC (identity + address). SoF is about money origin, not just identity.

Why do casinos ask for Source of Funds?

Casinos may request SoF for several reasons, including:

• Large deposits or large withdrawals

• Unusual deposit patterns (sudden jump in amounts, frequent deposits, multiple methods)

• High winnings compared to typical play

• Account activity that triggers compliance checks

• Regulatory obligations depending on the casino’s licensing rules

• Payment method risk (certain methods and patterns are reviewed more closely)

A Source of Funds request does not automatically mean you did anything wrong. Often it’s triggered by thresholds and automated risk rules.

Source of Funds vs Source of Wealth: what’s the difference?

Casinos sometimes use two similar terms:

• Source of Funds (SoF): where the money used for gambling deposits came from (salary, savings, business income, etc.)

• Source of Wealth (SoW): broader explanation of how you accumulated your overall wealth (long-term income, assets, inheritance, investments)

If the casino asks for SoW, they may want more detailed evidence than a standard SoF request.

Accepted Source of Funds documents (most common options)

Different casinos have different rules, but these are the documents most commonly accepted.

1) Payslips and salary evidence

• Recent payslips (often a few months)

• An employment letter (sometimes requested)

• Bank statements showing salary deposits

2) Bank statements

• Recent statements showing incoming funds (salary, transfers, savings)

• Statements showing the deposits you used for casino transactions

• Statements that match your name and account number details

3) Tax documents

• Tax returns or tax statements (useful for self-employed and freelancers)

• Official tax summaries or income confirmations

4) Business income documents (self-employed)

• Invoices and proof of payment

• Business bank statements

• Company registration proof (sometimes)

• Accountant letter (sometimes)

5) Savings evidence

• Bank statements showing long-term balance accumulation

• Statements showing transfers from a savings account into your spending account

6) Investments and trading profits

• Broker statements

• Dividend or interest statements

• Transaction history showing realized gains

7) Sale of assets

• Sale agreement (car/property)

• Proof of payment received

• Bank statement showing the incoming transfer

8) Inheritance or gifts

• Inheritance documents or legal proof (where applicable)

• Gift letter (sometimes requested)

• Bank statement showing the incoming funds

9) Pension or benefits

• Pension statements

• Benefit payment statements

• Bank statements showing the deposits

What “proof of funds for withdrawal” usually means

When a casino asks for “proof of funds for withdrawal,” they often want:

• Evidence that your deposits came from legitimate sources, and

• Confirmation that your payment method(s) belong to you

Even if you deposited with an eWallet, the casino may still ask for bank documentation showing where the eWallet was funded from.

The top reasons Source of Funds gets rejected

1) Documents don’t show your name clearly

If the document doesn’t clearly show you as the owner, it may be rejected.

2) Screenshots are incomplete or cropped

Cropping out key details (name, date, transaction lines) often leads to rejection.

3) Statements are too old

Casinos often require recent documents, especially for salary or active income.

4) The income shown doesn’t match the deposit pattern

If you deposited amounts that don’t align with the presented income, the casino may ask for more proof.

5) Transfers look unexplained

Large incoming transfers with no context can trigger follow-up questions.

6) Payment method ownership isn’t clear

If you used someone else’s card or a shared wallet, that’s a major red flag.

7) The document quality is poor

Blur, glare, unreadable text, or missing pages can cause delays.

How to pass a Source of Funds check quickly (step-by-step)

Step 1: Ask exactly what they want

Before uploading random documents, contact support and ask:

• Which time period do you need? (last 30/60/90 days, last 3 months, etc.)

• Do you need bank statements, payslips, or both?

• Do you need evidence for every deposit method I used?

Getting clarity prevents delays and repeated uploads.

Step 2: Choose one clean “story” that matches your deposits

For example:

• Salary → bank statement showing salary deposits → transactions funding your payment method
  Or

• Savings → savings account statements → transfer into spending account → deposits

The key is to make the flow easy to understand.

Step 3: Provide complete documents (not partial screenshots)

Submit full statements with:

• Your name

• Statement dates

• Relevant transaction lines

• Page numbers (if included)

Step 4: Match your documents to your casino deposit history

If you deposited via:

• Bank transfer: show the bank statement line

• Card: show the card-linked bank statement or relevant transaction

• eWallet: show bank funding into the eWallet + eWallet transaction history (if requested)

Step 5: Explain unusual transfers in one short note

If there’s a large incoming transfer, include a brief explanation:

• “This transfer is from the sale of my vehicle on [date]. See attached sale agreement and bank statement line.”

Step 6: Don’t submit extra unrelated documents

More files can slow review. Submit only what they asked for, in a clean and logical set.

Step 7: Follow up with a clear request for confirmation

If you don’t hear back, ask:

• “Can you confirm you received the documents and that they are sufficient for Source of Funds approval?”

What NOT to do with Source of Funds requests

• Don’t submit fake or edited documents (accounts can be permanently closed)

• Don’t use another person’s payment methods

• Don’t ignore the request and keep depositing (it can lock your withdrawals)

• Don’t upload partial statements missing your name or date range

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FAQ

Is a Source of Funds check normal?

Yes. Many casinos request SoF checks due to compliance rules or risk thresholds, especially for larger withdrawals.

What documents are accepted for Source of Funds?

Commonly accepted documents include payslips, bank statements, tax documents, business income proof, savings statements, investment statements, or asset sale evidence.

How long does a Source of Funds check take?

It varies by casino and the quality of documents provided. Clear, complete documents and a consistent explanation usually get reviewed faster than partial or unclear uploads.

Can a casino refuse my withdrawal if I don’t provide Source of Funds?

Yes. If the casino requires SoF for compliance, they may pause or refuse withdrawals until the request is satisfied.

What if my deposits came from an eWallet?

Casinos may still ask where the eWallet was funded from. You may need bank statements showing the funding source plus eWallet transaction history.