bank77 Terms & Conditions

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

By creating an account, accessing the bank77 platform, or placing any wager, you confirm that you have read, understood, and unconditionally accepted these Terms and Conditions in their entirety, together with our Privacy Policy and Responsible Gaming Policy, all of which are incorporated by reference into this agreement.

If you do not accept any part of these Terms, you must immediately cease using the platform and close your account. Continued use of bank77 following any amendment to these Terms constitutes your acceptance of the revised Terms.

To use the bank77 platform and its Services, you must satisfy all of the following eligibility requirements at all times:

1. Age: You must be at least 21 years of age. bank77 strictly prohibits access by minors. Age verification will be conducted during the KYC process, and any account found to be held by an individual under 21 years of age will be immediately suspended and all funds will be forfeited in accordance with applicable regulations.
2. Jurisdiction: You must be accessing the platform from a jurisdiction where online gaming is not explicitly prohibited for individual users. bank77 primarily serves players based in Indonesia and is optimized for the Indonesian market. You are solely responsible for ensuring your use of the platform does not violate any local law applicable to you.
3. Legal Capacity: You must have full legal capacity to enter into a binding contract under the laws of your country of residence.
4. Single Account: Each individual may hold only one registered account on bank77. The creation of multiple accounts by the same individual is prohibited and may result in permanent account closure.
5. Not Self-Excluded: You must not be subject to any active self-exclusion period imposed through bank77's responsible gaming tools or any affiliated gaming authority.

bank77 reserves the right to verify eligibility at any time and to suspend or close accounts that do not meet these requirements.

To access bank77's real-money Services, you must complete the account registration process accurately and in full. You agree to provide truthful, current, and complete information during registration, including but not limited to your full legal name, date of birth, residential address, email address, and mobile phone number.

You are responsible for maintaining the confidentiality of your account credentials, including your username and password. You must not share your login details with any third party. bank77 will not be liable for any loss or damage arising from unauthorized access to your account resulting from your failure to maintain credential security.

You agree to notify bank77 immediately at [email protected] if you become aware of any unauthorized use of your account or any security breach. bank77 reserves the right to request updated information at any time to maintain the accuracy of your account profile.

bank77 is required to conduct identity verification in compliance with international anti-money laundering (AML) regulations and responsible gaming obligations. Before processing any withdrawal request, or at bank77's discretion at any time, you may be required to submit one or more of the following documents:

• Proof of Identity: A valid Indonesian national identity card (KTP — Kartu Tanda Penduduk), passport, or government-issued photo identification clearly showing your full name, date of birth, and photograph.
• Proof of Address: A recent utility bill, bank statement, or official government document (issued within the last three months) showing your name and current residential address.
• Selfie Verification: A photograph of you holding your identity document alongside your face to confirm you are the genuine account holder.
• Source of Funds: In certain circumstances, bank77 may request documentation evidencing the legitimate source of funds used for gaming.

KYC verification is typically completed within 1 to 24 hours of document submission during business hours. bank77 reserves the right to place a temporary hold on withdrawals and bonus eligibility until verification is satisfactorily completed. Providing false or misleading documentation constitutes a material breach of these Terms and will result in immediate account termination.

bank77 accepts deposits in Indonesian Rupiah (IDR) via the following payment methods, subject to availability and processing schedules:

• Bank Transfer: BCA (Bank Central Asia), BRI (Bank Rakyat Indonesia), BNI (Bank Negara Indonesia), Mandiri (Bank Mandiri), CIMB Niaga, and Bank Permata.
• Electronic Wallets (E-Wallets): OVO, DANA, GoPay, ShopeePay, and LinkAja.

Minimum deposit amounts and processing times are displayed on the platform at the time of transaction. Deposits made via local bank transfer during standard Indonesian banking hours (Monday to Friday, 08:00–17:00 WIB) are typically credited within 5 minutes. Off-hours transfers may take up to 60 minutes. bank77 does not charge deposit fees; however, your bank or e-wallet provider may apply its own transaction charges, for which bank77 accepts no responsibility.

All deposited funds must be used for genuine gaming activity. bank77 reserves the right to refuse, reverse, or void any deposit that it has reasonable grounds to believe is fraudulent, associated with a bonus-abuse scheme, or connected to money laundering activity. Deposits from third-party accounts not registered in your name are strictly prohibited and will be returned to the source account.

Withdrawal requests may only be submitted to a bank account or e-wallet registered in the same name as the bank77 account holder. Third-party withdrawals are strictly prohibited under all circumstances.

To submit a withdrawal request, your account must be fully KYC-verified. Withdrawal requests submitted during business hours (09:00–21:00 WIB) are typically processed within two hours. Requests submitted outside these hours will be processed at the start of the next business day. bank77 targets same-day processing for the vast majority of withdrawal requests.

bank77 reserves the right to conduct enhanced due diligence before approving any withdrawal request that it considers unusual in size, frequency, or pattern. This may extend processing time by up to 48 hours. If enhanced due diligence reveals compliance concerns, bank77 may withhold the withdrawal pending further investigation and, where legally required, report the matter to the relevant regulatory authority.

• Minimum single withdrawal: Rp 100,000
• Maximum single withdrawal: Rp 100,000,000 (higher limits available for Gold VIP members upon request)
• Withdrawal fees: None charged by bank77 (recipient bank fees may apply)

bank77 offers a range of promotional bonuses including welcome bonuses, reload bonuses, cashback rewards, free spins, and loyalty program incentives. All bonuses are subject to the specific terms stated in the applicable promotion, as well as the general bonus rules set out in this clause.

Unless otherwise stated in the specific promotion terms, the following general conditions apply to all bonus offers:

1. Wagering Requirements: Bonus funds must be wagered a minimum number of times (as stated per promotion, typically between 20x and 40x the bonus amount) before any winnings derived from bonus funds may be withdrawn.
2. Game Contribution: Different game types contribute at different rates toward wagering requirements. Slot games typically contribute 100%; live dealer and table games may contribute between 10% and 50%. Specific contribution rates are listed in each promotion's terms.
3. Expiry: Bonus funds and associated wagering requirements must be completed within the period stated in the promotion (typically 7 to 30 days). Expired bonus funds are forfeited without compensation.
4. One Bonus Per Household: Bonus eligibility is assessed per individual, per household, per IP address, and per device. Abuse of bonus offers through multiple accounts or coordinated play will result in bonus forfeiture and account suspension.
5. Maximum Withdrawal from Bonus Winnings: Unless otherwise stated, the maximum amount that may be withdrawn from winnings derived from bonus funds is capped at 10x the bonus value.

bank77 reserves the right to withdraw, modify, or cancel any promotion at any time without prior notice. Ongoing promotions will honor commitments made at the time of opt-in, subject to verification of compliance with these Terms.

All games offered on bank77 use certified random number generators (RNGs) audited by independent testing laboratories to ensure fair and unpredictable outcomes. Published RTP (Return to Player) percentages reflect long-term statistical averages across millions of game rounds and do not guarantee specific results in any individual session.

Sports betting markets, including bandar bola (football wagering) and mix parlay (accumulator bets), are governed by the specific rules displayed within the sportsbook section of the platform. In the event of a discrepancy between the displayed odds and the settled payout due to a technical error, bank77 reserves the right to void the affected bet and return the stake to the player's account.

bank77 reserves the right to void any bet placed on an incorrect or erroneous market line, to suspend any market prior to settlement where result integrity is in question, and to apply bet limits appropriate to the market and player account tier. Any attempt to exploit errors, engage in arbitrage betting that distorts market integrity, or use automated betting systems is prohibited and may result in account suspension.

bank77 is deeply committed to promoting safe and responsible gaming. We provide a suite of player-protection tools accessible through the account settings panel, including deposit limits, wagering limits, session time limits, cooling-off periods, and self-exclusion options. Players experiencing difficulties related to gambling are strongly encouraged to use these tools and to visit our dedicated Responsible Gaming page for full guidance.

bank77 strictly enforces the 21+ age restriction. We do not knowingly permit individuals under the age of 21 to access real-money gaming Services. If you believe a minor may have accessed the platform using your account, please contact our support team immediately.

Players who choose to self-exclude may do so for periods ranging from 30 days to permanent exclusion. During a self-exclusion period, the player's account will be suspended, all marketing communications will be halted, and re-activation will not be permitted until the exclusion period has lapsed and a mandatory cooling-off period has been completed.

The following activities are strictly prohibited on the bank77 platform. Engaging in any prohibited activity constitutes a material breach of these Terms and may result in immediate account suspension, forfeiture of balances, and reporting to relevant authorities:

• Using the platform for any unlawful purpose or in violation of applicable local, national, or international law.
• Opening more than one account or registering under a false identity.
• Depositing funds obtained through illegal means or using the platform for money laundering or fraud.
• Exploiting software bugs, glitches, or errors in game logic for financial gain.
• Using automated bots, scripts, or software to place bets or interact with the platform without human oversight.
• Engaging in collusion with other players to gain an unfair advantage in poker or other competitive formats.
• Threatening, harassing, or abusing bank77 staff or other users through any communication channel.
• Attempting to reverse-engineer, decompile, or copy any part of the bank77 platform or its software.
• Charging back deposits or initiating unauthorized disputes with your payment provider for funds that have been legitimately wagered.

All content on the bank77 platform, including but not limited to graphics, logos, game interfaces, software, text, and design elements, is the exclusive intellectual property of bank77 or its licensed content providers. You are granted a limited, non-exclusive, non-transferable license to access and use the platform solely for personal, non-commercial gaming purposes.

You may not copy, reproduce, modify, distribute, display, or create derivative works from any part of the bank77 platform without prior written consent from bank77. Unauthorized use of bank77's intellectual property will be pursued to the fullest extent permitted by law.

To the maximum extent permitted by applicable law, bank77, its directors, employees, partners, and licensors shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising out of or in connection with your use of the platform, including but not limited to:

• Loss of winnings or anticipated profits due to technical failure, server downtime, or connectivity issues.
• Delays in deposit or withdrawal processing caused by third-party payment providers including BCA, BRI, BNI, Mandiri, or e-wallet operators.
• Inaccurate odds displayed due to data feed errors, provided these are corrected within a reasonable timeframe.
• Unauthorized access to your account resulting from your failure to maintain password security.
• Any financial loss arising from your personal decision to engage in gambling activities on the platform.

bank77's total aggregate liability to you for any claim arising under these Terms shall not exceed the total real-money deposits made to your account in the 30-day period immediately preceding the event giving rise to the claim.

bank77 collects, processes, and stores personal data in accordance with its Privacy Policy, which forms an integral part of this agreement. By using the platform, you consent to the collection and processing of your personal data as described in the Privacy Policy.

bank77 employs industry-standard SSL encryption, secure server infrastructure, and strict access controls to protect your personal and financial information. We do not sell your personal data to third parties. Data shared with payment processors (such as BCA, BRI, BNI, Mandiri, OVO, DANA, and GoPay) is limited to what is strictly necessary to facilitate your transactions.

bank77 reserves the right to suspend, restrict, or permanently close any account at its sole discretion and without prior notice where it has reasonable grounds to believe that:

• The account holder has breached any provision of these Terms.
• The account is being used for fraudulent, collusive, or criminal activity.
• The account holder has provided false information during registration or KYC.
• Regulatory, compliance, or legal obligations require such action.

Upon account termination for cause, any real-money balance remaining may be withheld pending investigation. If no breach is established following investigation, the balance will be returned to the account holder via the original deposit method. Bonus balances are non-refundable upon termination for cause.

You may voluntarily close your account at any time by contacting our support team at [email protected]. Upon voluntary closure, any verified real-money balance will be returned to you within 5 business days.

These Terms and Conditions are governed by and shall be construed in accordance with the laws of the jurisdiction in which bank77 holds its international gaming license. Any dispute arising from or related to these Terms that cannot be resolved amicably between the parties shall be submitted to binding arbitration under the rules of the relevant international arbitration body.

Nothing in this clause limits bank77's right to seek injunctive or other equitable relief in any competent court with jurisdiction over the matter. You acknowledge that online gambling may be subject to legal restrictions in Indonesia and that you access and use the platform entirely at your own risk and legal responsibility.

bank77 reserves the right to amend, update, or replace these Terms and Conditions at any time. Material amendments will be notified to registered users via email to the address on record and/or through a prominent notice on the platform. The updated Terms will take effect 7 days after notification unless a longer notice period is required by applicable law.

Your continued use of the bank77 platform after the effective date of any amendment constitutes your acceptance of the revised Terms. If you do not agree with the revised Terms, you must cease using the platform and request account closure before the effective date.

If you have any questions, concerns, or complaints regarding these Terms and Conditions or your experience on the bank77 platform, please contact our customer support team through the following channels:

• Email: [email protected] (plain text — not a clickable link)
• Live Chat: Available 24/7 via the live chat widget on the platform. Average response time: under 60 seconds.
• Response Time (Email): Within 4 hours during standard business hours (WIB); within 12 hours during off-peak hours.

For queries specifically related to responsible gaming, self-exclusion, deposit limits, or gambling-related harm, please visit our Responsible Gaming page or contact our dedicated responsible gaming team directly via the support email above.