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General Terms and Conditions

General Terms and Conditions

In each bet two parties are involved, on the one hand bet-at-home.com Internet Ltd., whose registered office is at St. Julian's, STJ 4011, Portomaso Business Tower, Level 12, Commercial Register number C35109, which is permitted to receive bets on sporting events as well as virtual bets in accordance with the official licence MGA/CL2/192/2004, granted on 19.01.2006 by the Malta Gaming Authority (MGA), which is a regulator of the Maltese government, and on the other hand, the customer as contracting partner.

Regarding casino games and poker, two parties are involved; on the one hand bet-at-home.com Entertainment Ltd., which has its registered office at St. Julian's, STJ 4011, Portomaso Business Tower, Level 12, Commercial Register Number C35055, and has four Maltese licences granted by the Malta Gaming Authority (MGA) – MGA/CL1/192/2004, granted on 19/01/2006, MGA/CL1/1234/2016, granted on 20/01/2017, MGA/CL1/1422/2017, granted on 22/11/2017, and MGA/CL3/192/2009, granted on 21/10/2011 –, and, on the other hand, the customer as a contracting party. The casino games are offered via the software of NetEnt and PT Hosting Malta, as well as Microgaming Europe. Poker is offered via the software of PT Hosting Malta.

For customers playing in Ireland, the Remote Bookmaker's Licence issued to bet-at-home.com Internet Ltd. by the Irish government only applies to sports bets and virtual bets.

All games offered in the "Live Casino" section of the website are not regulated by the Malta Gaming Authority (MGA). The Live Casino is offered by the Evolution Gaming Malta Ltd. software platform, licenced in Alderney.

In the following terms and conditions bet-at-home.com Internet Ltd. and bet-at-home.com Entertainment Ltd. are collectively referred to as "bet-at-home". The Malta Gaming Authority is referred to as "MGA". All references to the "customer" refer to users of www.bet-at-home.com.

bet-at-home.com International Ltd. is responsible for processing all of the customers’ monetary transactions made through the two aforementioned licensees.

Table of contents

  1. General rules
  2. Betting rules
  3. Live betting
  4. Virtual betting
  5. 1-Click bet
  6. Casino, Live Casino, Vegas and Poker Casino
  7. Poker
  8. The customer
  9. Account
  10. Miscellaneous
  11. Exclusion and Limitation of Liability
  12. Deposit Methods
  13. Withdrawals
  14. Cash Out
  15. Profit Limits
  16. Promotion Offers

A. General rules

1. bet-at-home.com Internet Ltd. and bet-at-home.com Entertainment Ltd. are limited liability companies that run and manage the website bet-at-home.com (hereafter referred to as the "website") as well as the official apps of bet-at-home. Registration on the site, any use of the services offered and all bets accepted by bet-at-home are subjects of these terms and conditions (hereafter referred to as "T&Cs" or "terms and conditions").

2. bet-at-home reserves the right to update, amend and modify these terms and conditions at any time. The customer will be notified in advance of any substantial changes to the terms and conditions and must consent to the changes before they take effect. A change would be substantial if it had an immediate/direct impact on the customer. All versions contain the version number and modification date.

3. All provisions in these T&Cs are applicable to all products and services offered, unless specified otherwise. By visiting the bet-at-home.com website (along with all subdomains), using bet-at-home.com’s services, or downloading and/or using an app or other software provided by bet-at-home.com, the user declares that they are in agreement with these General Terms and Conditions and the Privacy Policy.

4. On placing a bet or taking part in a game the customer accepts the validity and applicability of these T&Cs in their current version. bet-at-home uses the customer’s personal data only in accordance with bet-at-home’s Privacy Policy which is an integral part of these T&Cs.

5. The legal relationship between the customer and bet-at-home is subject to Maltese law, excluding conflict of law provisions. The courts of Valletta (Malta) have jurisdiction for all legal disputes between bet-at-home and the customer.

6. All data, text, photographs, melodies, videos, graphics, trademarks, images, software, or applications placed on the website and in the apps are owned by bet-at-home or provided to bet-at-home for use under a valid licence; the customer has no rights with regard to the above items.

7. Unless stated otherwise, all given data and times are based on Central European Time (GMT+1).

B. Betting rules

1. The minimum stakes are 0.50 EUR, 1.00 CHF, 1.00 GBP, 1.00 USD, 1.00 PLN, 10.00 CZK, 1.00 BGN, 10.00 RUB, 1.00 RON, 5.00 SEK, 10.00 DKK.

2. Stakes on sports bets made by customers with a permanent or habitual residence in the Federal Republic of Germany are subject to a taxation of 5% due to the Race Betting and Lottery Act of 1st July 2012. When placing a bet, 5% of the stake will automatically be deducted. The calculation of the possible winnings will be based on the reduced taxable betting stake.

3. Upon placing a bet, the customer confirms that they do not have insider knowledge or any other equivalent knowledge of the outcome or the course of the respective sports event.

4. Placing of bets on events in which the customer is participating is forbidden. Participation is when the customer takes part in the event as a candidate, sportsperson, owner, trainer or official of a participating club or as an organiser. The same applies if the bet is placed on behalf of a participant in the above sense.

5. It's at bet-at-home's sole discretion to refuse individual bets or to limit the stakes. Furthermore bet-at-home reserves the right to exclude users from the participation in betting and gambling without giving reasons.

6. bet-at-home reserves the right to exclude certain games, betting events, or tournaments from the offer at any time.

7. bet-at-home's records shall prevail with regard to the content of all bets. The account statement may only be amended in order to rectify an obvious mistake or an obvious written or calculation error.

8. bet-at-home reserves the right to correct obvious errors such as mistakes concerning odds and events/teams/etc. If bet-at-home does not correct the error, bets on the event will be settled at odds of 1.00. The stake shall only be deemed to be the amount recorded or confirmed by bet-at-home.

9. bet-at-home reserves the right to change the odds at its discretion before bets are placed. After a bet has been placed the odds will no longer change, i.e. remain stable.

10. If the betting event does not take place as specified in the odds sheet (e.g. change of venue or against a different opponent), the bet is void and stakes will be refunded. If the home team voluntarily waive their home advantage, if the home team's ground is out of action or if the betting event is transferred to a neutral ground then the bet remains valid.

11. If the bet is placed after the betting event starts, or the stake is not covered by the account balance, the bet is void (odds of 1.00).

12. The winner of a betting event is regarded as the team or person who is declared by the judging panel to be the official winner no later than midnight (calculated according to the time at the location of the event). This also applies to long-term bets. Any changes to the classification made after this time shall have no effect on the bet payout, irrespective of the reasons for these changes.

13. Unless otherwise determined by bet-at-home, all sporting results after normal playing time will be decisive for the settlement of the bet. Any extra time or penalty shootouts, etc. have no effect on the settlement of the bet. In American sports (such as NFL, College Football, NBA, MLB) the result after any extra time (overtime) is decisive for the settlement of the bet. Bets on the NHL are an exception to this rule, where the result after normal time shall prevail.

14. If a cancelled/interrupted betting event is re-commenced within 48 hours, bets shall apply for the result of the re-commenced betting event. Exceptions include bets on baseball games which do not take place on the same calendar day. In this case, the bet will be settled at odds of 1.00.

15. If a betting event, for any reason whatsoever, does not take place as scheduled or ends whithout an official score and is not commenced within 48 hours, bets will be reimbursed/re-credited. Exceptions to this are football and icehockey games which are cancelled after normal playing time, and bets on baseball; if a baseball game does not take place on the same calendar day, the bet will be settled at odds of 1.00. If a betting event is cancelled and is still officially judged this result will be used to calculate the amount of winnings.

16. Bets are paid in consideration of any winning limits which may exist. In the event of a "dead heat" payments are divided accordingly.

17. The "play or pay" principle applies to all bets, i.e. if the starter on whom the bet was placed does not play or run, for whatever reason, the bet is lost if the betting event takes place. Tennis forms an exception to this rule, as the stake is refunded if the player (or a doubles pair) does not play (odds of 1.00).

18. If, in a multiple bet, a starter on whom a bet has been placed does not take part in a betting event, or if one of the events on which bets have been placed is called off, suspended or cancelled, or does not take place for other reasons and the relevant betting events are not played by the end of the calendar day two days later, these betting events are calculated with odds of 1.00. Bets on baseball form the exception to this rule; if a game does not take place on the same calendar day, the game is calculated at odds of 1.00. The same applies to betting events which have been wrongly listed in the betting programme (odds list) (wrong choice of venue), but not in the event of any team deciding to relinquish their home advantage, if the home team's ground is out of action or if the betting event is transferred to a neutral ground. If none of the starters on which bets have been placed in a multiple bet takes part in the betting events or if all the events on which bets have been placed in a multiple bet are called off, suspended or cancelled or if they do not take place for whatever reason, and the event is not transferred as described above, the stakes will be refunded.

19. The same match pair may not be combined more than once. (Also applies to handicap bets, final result bets, special bets).

20. In Head-to-Head betting, both starters must participate in the betting event. Should one or both starters not take part in the betting event, the bet is called off. If both participants in a Head-to-Head bet drop out (such as but not limited to neither of them reaches the goal), both participants will be evaluated as incorrect. Should a runner not qualify for the 2nd round this is not considered as a drop out.

21. In the event of bets being placed on "Who will score the first goal" and "Time of first goal", and no goals are scored (0:0), any bets placed shall be lost. Any extra time or penalty shootouts, etc. will not affect the bet payout.

22. In tennis, bets will remain valid as long as the match is held during the course of the tournament. If a tennis player withdraws during a tennis match or if a tennis player is disqualified all bets in which the outcome is still open are called off with odds 1.00.

23. If a football game is cancelled or no result is given, all special bets on this game such as but not limited to "Who will score the first goal" or "Time of first goal" will also be called off with odds of 1.00.

24. If a Formula 1 race or any other motorsports event starts behind the safety car for whatever reason this shall not be considered a "safety car period" during the race.

25. If a boxing event does not take place on the scheduled date, for whatever reason, but is re-commenced within 28 days of the original date, all bets placed will be valid for the rescheduled event. If the event does NOT re-commence within 28 days of the original date, the stakes will be refunded.

26. If a rescheduled boxing event does not take place in the original country all bets are void and the stakes will be refunded. If the rescheduled boxing event takes place at a different venue, but in the same country as originally defined, bets are valid.

27. The result at the end of a boxing event is final. Subsequent recounting by the judges or changes made by governing bodies will not be taken into account for the results of any bets.

28. If a boxing event is stopped prior to its completion, all bets are void, except bets on the highest possible score if this score has been reached already. In that case all bets remain valid. If one of the boxers is not able to start a round, the previous completed round is considered the last round of the fight.

29. For knockdown bets in boxing every time the referee starts his count to ten will be considered a knockdown.

30. "Rounds bets" in boxing will be settled after the round in which the fight ends. If one of the boxers is not able to start another round the previous round will be considered as the last round of the fight for "victory" results of the event.

31. Winter sports: The winner of a Head-to-Head duel is, if not stated otherwise, the participant with the higher position in the final ranking. The final ranking according to the FIS (www.fis-ski.com) or in case of Biathlon the final ranking according to the IBU (www.biathlonworld.com) will be taken into consideration for the settlement of the bets. If both participants have no clearly defined positioning according to the final ranking, the last successfully finished run will be considered for the final positioning.

32. The bet "Will there be a sending off?" will be settled with YES, if during regular time an active player is sent off from the playing field with a second yellow or a red card. ln all other cases the bet will be settled with NO. Cards for all non-active players, especially players that have already been substituted out of the game, coaches, and other team members do not count.

33. Political bets placed on elections or referendums are settled on the basis of the total number of votes cast and tallied at the time of the election or referendum. Any subsequent amendments to, or contestations of, the election or referendum will not be considered. Depending on availability, the preliminary official final results or official projections will be used for the settlement of bets, once it has been established that any subsequent revisions will no longer have any impact on the outcome of the bets. Points 10 and 13 of the betting rules shall not apply for political bets: Bets placed on elections or referendums remain valid until the event in question actually takes place. If a date is stated for a bet, it shall only apply if it is explicitly made a condition of the bet (e.g. as a deadline for the settlement of bets).

Individuals named as candidates will be included with the parties which they represent, and vice versa. Any changes of party or non-acceptance of the election or referendum will be disregarded. The winner is deemed to be the participant who, or proposal which, wins the election or referendum under the terms of the electoral laws which apply in the country concerned (this means, for example, that bets placed on the United States presidential election are settled on the basis of the number of electoral votes cast for each candidate on the day of the election; any changes made when the Electoral College does meet shall be disregarded).

34. Bets on eSports are settled based on the official result announced by the respective association of the competition or game API or the broadcast. Starting times are reference times: All bets placed prior to the actual starting time remain valid. If the name of a team changes, all bets on the original team with a new name remain valid. If a game is decided in overtime, the result after overtime is relevant for the settlement of a handicap bet (Spread). Should the announced standard number of maps/rounds change, all handicap bets as well as all bets regarding the total amount of maps/rounds will be settled with odds of 1.00. In case a player or team withdraws before a tournament or game begins, all bets on the victory or promotion of the player/team in that tournament or game will be settled with odds of 1.00. If a game or map is not completed, all yet to be decided bets are no longer valid. A possible replay of the game or map will be handled separately. For First Blood bets, only Kills by the opposing team/player count. For building or object bets (e.g. 1st tower, 1st inhibitor), it does not matter how the object was destroyed.

C. Live betting

1. Live bets are considered as bets which are offered exclusively during an event on a dedicated live bets platform of bet-at-home. The odds are continuously updated to reflect the current status of a game.

2. For live betting all betting rules stated in section B concerning game evaluation apply unless otherwise stipulated below.

3. bet-at-home asserts that there can be a delay of displayed score and time of a few seconds, although details about the precise length of the delay cannot be provided. bet-at-home has no liability for any loss that is caused by those delays.

4. The scoreboard is for information purposes only. bet-at-home cannot be held responsible for any errors or incorrect information on the live scoreboard and it is up to the customer to ensure they check the correct status of the game before placing a bet.

D. Virtual betting

1. More information in regards to virtual betting can be found in the FAQ, as well as by clicking on the icon . The customer acknowledges that these rules are an integral part of the T&C.

2. Unless otherwise stated in the FAQ, all paragraphs in the T&C apply.

E. 1-Click bet

1. As soon as bet placement via 1-Click has been activated, customers are able to place bets with their desired stake with one simple click on the odds. There are no further confirmation steps involved. The stake amount is set by the customers and can be changed at any time.

2. It is not possible to cancel a bet that has already been placed.

3. Customers can manually deactivate bet placement via 1-Click at any time.

F. Casino, Live Casino, Vegas and Poker Casino

1. Every game offered in the bet-at-home Casino and Live Casino and in the Vegas section of the website is subject to individual game rules. These can be accessed in the browser window for each game under the link "Game rules" or by clicking the icon . Every game which is offered in the Poker Casino is subject to individual gaming rules, which can be found in the poker software by clicking on the symbol. All of these gaming rules form an integral part of the General Terms and Conditions.

2. For each game, the RTP (Return to Player) stated for the bet-at-home Casino and Live Casino and the Vegas section applies. The RTP can be found in the game rules (Casino/Live Casino) as well as in the FAQ (topic Casino/Live Casino/Vegas), and can also be accessed by clicking the icon (Casino/Live Casino). The RTP (Return to Player) for the Poker Casino can also be found in the gaming rules or by clicking on the symbol, as well as in the FAQ (topic: Poker). RTP is a measure of the percentage of stakes a game returns to players. This value is achieved on average in the long term by the appropriate setting of random generators. The RTP at the bet-at-home Casino, Live Casino and in the Vegas section is usually higher than 95%.

3. If a game is interrupted due to a connection error, play will resume at the point at which the game was interrupted as soon as the connection has been re-established.

4. bet-at-home employees are not permitted to stake real money on Vegas jackpot games. Jackpot winnings of bet-at-home employees will not be paid out.

G. Poker

1. For poker, all sections of the General Terms and Conditions shall apply unless otherwise regulated in this section.

2. bet-at-home grants the user a personal, non-exclusive, non-assignable, and non-transferable licence to use the bet-at-home poker software. The user may use the poker software on a computer of which they are the primary user.

3. The user may not copy the poker software or written materials associated with the poker software. The user may not sublicence, nor assign or transfer their licence, nor rent or lease out any portion of the poker software. The user may not reverse engineer, decompile, disassemble, modify, translate, and/or make any attempt to discover the source code, or create derivative works based on the poker software.

4. Random number generator software determines the outcome of games, or the part of games, which are based on chance.

5. The customer shall abide by any and all game rules which are set out in the games and/or the corresponding menu items. These game rules are an integral part of the poker rules and, therefore, the General Terms and Conditions.

6. During a cash game, once a customer has placed a bet or an ante, or posted a blind at a table, this money is considered in play and may not be cancelled or returned to the customer. If the customer has preselected the "Call Preselect" button that would automatically instruct a bet to be placed, the customer must deselect this button before their turn comes if they subsequently reconsider, otherwise the bet will be placed. If a customer has paid the buy-in fee for a tournament, they can deregister from the tournament before it has commenced and be refunded the full buy-in amount. Some exceptions may apply depending on the type of tournament and whether the user has directly bought in to the tournament or qualified for the tournament via a satellite.

7. In the event that bet-at-home has reasonable grounds for suspecting that the customer has been involved in any fraudulent, improper, misleading, fixing, manipulative or other unlawful activity in relation to their participation in a game, bet-at-home shall be entitled to take such action as it deems appropriate. This includes, but is not limited to, immediately blocking the user from accessing the games, closing or locking the customer's poker account, withholding all funds in the user's account, and invalidating any bets placed by the customer. The aforementioned behaviour includes, but is not limited to, using any software-assisted methods, technology, or hardware devices for participating in any of the games or manipulating the poker software, or providing of incorrect information.

8. With regards to disputes for which a ruling, clarification or intervention is required, decisions made by bet-at-home are final and binding.

9. bet-at-home reserves the right to be able to close games at any time.

10. Players may not act as a team. If team play (collusion) is suspected, bet-at-home is entitled to lock and/or close the accounts of suspected players. Any player found to have been acting, or reasonably suspected of acting as part of a team, shall lose all rights to their account. If warranted, bet-at-home reserves the right to confiscate any funds won while players were colluding.

11. Chip dumping (intentionally losing money to another player) is not permitted while using bet-at-home’s services. bet-at-home is entitled to lock and/or close the accounts of players suspected of chip dumping. Any player found to have been chip dumping, or reasonably suspected of chip dumping, shall lose all rights to their account. If warranted, bet-at-home reserves the right to confiscate any funds won while players were chip dumping.

12. If, in the event of a split pot, the number of chips cannot be divided equally, the player who played first in that round will receive the additional chip. In high-low games, the player with the highest-value card will receive the additional chip.

13. The customer accepts the following rules and is solely responsible for their use of the poker software and their behaviour in the chat rooms. The customer shall indemnify and hold harmless bet-at-home against any and all third-party claims arising directly or indirectly from any breach of these rules. Should the customer violate any of these rules, they shall be banned from the chat rooms for a fixed or indefinite period.

14. Only English and the respective language of the table may be used in chat.

15. Users are obliged to communicate with others in an appropriate manner. This means that abusive, threatening, defamatory, or other language which may offend or frighten someone is not permitted.

16 During a turn, users shall not talk about the current cards they are holding, nor should they give advice to other players or coerce a player to take a particular action or influence him/her in any other way.

17. Users may not promote other websites or poker rooms operated by other providers in chat rooms.

18. All chat rooms are monitored and in some cases also moderated.

19. All conversations in the chat rooms are logged and recorded. Suspicious conversations, which show criminal behaviour are forwarded to the authorities.

20. bet-at-home reserves the right to discontinue or remove chat rooms.

H. The customer

1. The customer confirms that they are the minimum age for participation in sports betting and all other products and services offered by bet-at-home in accordance with their national legal system, and has the necessary legal capacity. If no minimum age requirement exists in the respective national legal system, the minimum age is 18 years.

2. The customer confirms that the money used on bet-at-home does not come from any prohibited sources and that they do not use the account for any criminal activities in the respective applicable legal system. This includes but is not limited to money laundering or terrorist financing under the laws of any jurisdiction that applies to the customer or any company in the bet-at-home group. In the event of suspected or actual participation in any kind of money-laundering or any activity related to money laundering bet-at-home reserves the right to report such activities to the MGA as well as the Financial Intelligence Analyses Unit (FIAU), based in Malta.

3. If an underage player is identified, their betting account will be immediately blocked. Should an underage player still succeed to deposit funds, all deposits and winnings shall be forfeited to the MGA. Each of these persons will be punished by the MGA.

4. Only people with permanent, habitual, or temporary residence in one of the following countries are eligible to open a betting account with bet-at-home.com, to make a deposit, and/or to use bet-at-home.com’s services:
  • Austria
  • Bosnia and Herzegovina
  • Croatia
  • Cyprus
  • Finland
  • Germany
  • Gibraltar
  • Great Britain
  • Ireland
  • Liechtenstein
  • Malta
  • Montenegro
  • Netherlands
  • Poland
  • Serbia
  • Slovakia
  • Slovenia
  • Sweden
  • Switzerland
5. Due to the issuing of national licences, persons with residence or habitual residence in the United Kingdom do not have access to www.bet-at-home.com and will instead be redirected to the licenced website http://uk.bet-at-home.com.

6. Online gambling and/or bets may be illegal in the customer’s home country as well as the country of residence due to the present legal situation. It is therefore the sole responsibility of the customer to inform themselves about potential restrictions and/or prohibitions in his/her home country or country of residence. bet-at-home does not assume any liabilities in this regards and does not compensate the customer for any losses he/she may have incurred as a result of a violation of these legal requirements. It is the customer’s responsibility to ensure he/she is acting in accordance with the legal requirements of his/her home country and/or country of residence. Under no circumstances is the customer permitted to use anonymization services like proxy servers, VPNs or similar to circumvent the blockade of countries set by bet-at-home. Upon infringement of these provisions bet-at-home reserves the right to freeze and/or instantly close accounts while withholding any potential winnings.

7. Bets successfully placed at bet-at-home are confirmed with the message "Your bet is accepted". This message does not have any effect on the place nor the time when the contract is concluded.

8. The customer has the right to set a deposit limit or to exclude themselves from either certain products or all product offers at www.bet-at-home.com for any preferred period of time by sending an e-mail to service.en@bet-at-home.com. An exclusion takes effect no later than 24 hours after receipt of the e-mail. A notice of the player increasing or revoking a limit or decreasing the exclusion will take effect only seven days after bet-at-home has received such notice. Further information can be found on the responsible gaming page.

I. Account

1. In order to use the services offered at bet-at-home the customer must have a valid betting account with sufficient funds. Depending on the credit on this account, the customer can immediately place bets and/or exchange them to play on the casino or skill games platforms.

2. Customers are only allowed to open one account. Opening of multiple accounts is not permitted. Should we have reasonable suspicions that any of our customers has opened multiple accounts with us, e.g. for the purposes of avoiding stake, deposit or winning limit, we reserve the right at our absolute discretion to freeze that customer's account or to close the account immediately and the customer shall forfeit all their winnings. Customers should also note that their original deposits will not be refunded.

3. Only natural persons may open an account with bet-at-home. Legal entities are not accepted. Players must register personally.

4. Upon clicking on the "Register now!" button on our registration page or in the app, the customer will be redirected to our registration form which includes the mandatory insertion of personal details and account details including the first and last name, a valid email address, date of birth, address, phone number, username and password. The customer is also requested to confirm that they are over 18 years of age and that they have read and accepted our general terms and conditions policy. Once all mandatory fields have been completed and the "Register" button has been clicked on, the customer will receive an email at the registered email address and will be required to verify the email address by clicking on the appropriate link. Upon clicking on the "Verify" e-mail link the customer will be automatically logged in to the new account.

5. When registering, the customer undertakes:
  • to register with a complete and correct first and last name;
  • to register with the correct residential address;
  • to register with a valid e-mail address;
  • to register with a correct landline number/mobile phone number.
When registering the customer warrants and represents that they do not currently have an open or blocked account with bet-at-home nor is the customer currently self-excluded on any account.

6. The customer is obliged to ensure that their data is complete and up-to-date. Only the customer is liable for losses or other disadvantages which arise as a result of disregarding this provision and they therefore indemnify and hold bet-at-home fully harmless.

7. Upon registering an account as well as in the case of transactions, a "Know Your Client" procedure is carried out. In the course of this process identification documents as well as additional information and documents such as proof of address, information on property and income or further information may be requested from the customer. If this "Know Your Client" procedure cannot be completed due to the client’s lack of willingness to cooperate or failure to provide all necessary information or sufficient documents, bet-at-home reserves the right to immediately close or lock the account.

Furthermore, customer data may be compared with personal databases in accordance with our data protection guidelines.

8. Customers have the right to close their account without giving any reason. In order to do so, the customer has to inform bet-at-home via e-mail. As soon as bet-at-home has received this e-mail the customer's account will be closed accordingly.

9. The customer as the sole and exclusive owner of the betting account shall remain responsible for protecting the privacy of the betting account details and shall not allow third parties access to or use of their account. In the case a customer grants third parties access to their betting account, bet-at-home reserves the right to immediately lock or close the account at its own discretion. A usage by third parties is assumed, if deposits to the account are made directly or indirectly by third parties. In such cases bet-at-home also reserves the right to withhold any funds until the identity of the owner of the funds has been determined and verified.

Accounts must not be transferred to third parties nor pawned. Players are not permitted to transfer funds to betting accounts of other players.

10. If the betting account is used by third parties with or without the permission of the customer, the customer shall bear sole and full responsibility. bet-at-home is not liable for any damages or losses incurred by the customer and/or third parties through the use of the betting account.

11. Before data can be transmitted over the internet, the customer must use a code allocated to themselves (betting account number and password, where each password can be changed by the customer). The betting account number and password should be kept confidential at all times, as all account transactions will be debited to the customer once the betting account number and password have been specified.

12. If there is insufficient cover in the betting account and the missing amount is not transferred in sufficient time, incoming bets will be accepted as valid in the order in which they arrive provided that there is sufficient cover in the account for each individual bet.

13. For a bet to be valid, the balance of the betting account – which the customer can check – must be at least the value of the stake.

14. In the event of obvious errors in drawing up customer account balances, bet-at-home has the right to make the necessary amendments.

15. Claims regarding account statements and the balances in these statements may only be made within 45 days of the betting event. Failure to claim shall be considered an acceptance of the notified account balance.

16. bet-at-home strictly prohibits the use of robotic, mechanical, or electronic, or other devices to automatically make decisions in any game, whether such use is attempted or affected by a customer or by guest or by any third parties.

17. bet-at-home reserves the right to close an account at its discretion or to unilaterally set game or winning limits, or to completely or partially exclude the player from products or services.

18. In the event of blocking, (self-)exclusion or closure of an account, contractual obligations already made will be honoured by bet-at-home. The customer must inform bet-at-home customer service via e-mail to service.en@bet-at-home.com and request payment of his credit. Any repayments are made duly in a reasonable time. bet-at-home is entitled to withhold payments in the event of any suspicion of criminal activity or a breach of these T&Cs by the customer until a final decision had been made by the competent court. Any repayments are also subject to the withdrawal provisions in article M.

19. Inactive accounts means players' accounts which have not recorded any log in and/or log out for a period exceeding 12 consecutive months. bet-at-home reserves the right to charge an inactive account fee for 5.00 EUR or equivalent amount in the currency of the betting account per month. The administrative charge will be imposed on the betting account of the player.

The first fee for inactive accounts will be deducted following 12 months of inactivity. All consecutive fees for inactive accounts will be deducted on a monthly basis until the betting account balance reaches zero.

All registered players will be notified at least 30 days prior to any fees being incurred that the inactive account fee is to be charged to their accounts. Holders of inactive accounts may instantly reactivate their accounts by logging in/logging out or withdrawing the funds within the 30 days' time window without incurring any fees.

Players reactivating their betting account by not later than three month from when the last fee was incurred are entitled to a refund of the inactive account fee incurred for the maximum period of 6 months on request.

bet-at-home reserves the right to increase the inactive account fee in line with the regulations for the Malta Gaming Authority.

J. Miscellaneous

1. Customer's requests and complaints are handled via e-mail, telephone and via live support – contact details can be found on the website. Following the unsuccessful resolution of a dispute between the customer and bet-at-home, the customer has the right to forward the complaint to the Malta Gaming Authority (MGA) at support.mga@mga.org.mt.

2. Customers shall be aware of certain possibilities of gaming addiction. Problem gamblers can find contact details for gamblers associations in the "Responsible Gaming" section on the website or they can ask customer support.

3. In the event of there being a discrepancy between the English language version of these terms and conditions and any other language version, the English language version will prevail. The same applies to all other texts on the website and in the apps.

K. Exclusion and Limitation of Liability

1. bet-at-home does not guarantee constant availability and functionality of all products. bet-at-home cannot be held responsible by the customer for any damages, losses or lost profits incurred by the customer on the grounds of non-availability of the products offered by bet-at-home.

2. bet-at-home does not assume any liability for transmission, input and/or analysis errors.

3. Should a software or hardware error occur, bet-at-home is entitled to correct any erroneous entries in the customer’s account which are caused by this error.

4. In no event shall bet-at-home be liable for any damages or losses caused by incorrect, delayed, manipulated or improper data transfer. bet-at-home takes all the statutory required and technologically reasonable steps to protect customer data stored on bet-at-home. bet-at-home, despite the implementation of these measures, cannot be held responsible for the control and processing of customer data by third parties or any damages, losses or other disadvantages arising in connection therewith.

5. The customer is fully liable for any damages or losses bet-at-home incurs with respect to the breach of these T&Cs or any other provisions applicable to betting or gambling services. The customer fully indemnifies and holds bet-at-home harmless against any claims from third parties arising out of such conduct.

6. The user is obliged to keep all access methods and programmes with which the user uses the services of bet-at-home.com (e.g. the browser) up-to-date. bet-at-home.com is not liable for damages caused by access methods and programmes that are outdated and no longer state of the art.

7. bet-at-home is not liable to the customer for any damages or losses, which were outside the normal and foreseeable control of bet-at-home when the event occurred. Liability for any damages or losses caused by light negligence is excluded. bet-at-home is not liable for any loss of profit.

L. Deposit Methods

1. Available Deposit methods:

Method Processing fees
VISA 2%
MasterCard 2%
Diners Club 2%
eps -
Skrill, OBT by Skrill, iDeal by Skrill, Skrill 1-Tap -
giropay -
SOFORT -
Bank transfer -
paysafecard -
NETELLER -
paybox -
PayPal -
Trustly -

2. bet-at-home reserves its right to refuse any deposits. Further information regarding the availability of the means of payment and relevant thresholds can be found in the deposit section on the website and in the apps.

3. bet-at-home is not responsible for exchange rate fluctuations and any subsequent differences.

4. Customers shall not treat bet-at-home as a financial institution nor expect interest on their deposits. Customers agree to fully settle any and all payments due at bet-at-home or at any third party. Customers further agree not to make any chargebacks and/or cancel or otherwise reverse any of their payments. In such a case, customers are obligated to refund bet-at-home such pending payments and compensate bet-at-home for any expenses incurred by bet-at-home in the process of collecting the customers’ payments (e.g. handling fees).

5. paysafecard codes can only be redeemed when purchased through official retail channels. The customer is obligated to present proof of lawful purchase upon request by bet-at-home.

M. Withdrawals

1. Available Withdrawal methods:

Method Min. Max. Processing fees
Bank transfer - - 3 withdrawals per month free of charge. Up to 5.00 EUR (depending on the currency used) for every further withdrawal
Skrill 10 EUR/30 PLN/10 USD/10 GBP/20 BGN/40 RON/80 SEK/60 DKK/15 CHF/100 CZK 6,000 EUR (or equivalent amount in the currency of the betting account) 2 withdrawals per month free of charge. Up to 5.00 EUR (depending on the currency used) for every further withdrawal
Credit Card (VISA, MasterCard) 100 EUR/400 PLN/75 GBP/100 CHF/700 DKK/900 SEK 5,000 EUR (or equivalent amount in the currency of the betting account) -
NETELLER 10 EUR/30 PLN/10 USD/10 GBP/20 BGN/40 RON/80 SEK/60 DKK 10,000 EUR (or equivalent amount in the currency of the betting account) -
PayPal 50 EUR 5,000 EUR -
Trustly 10 EUR/30 PLN/10 GBP/80 SEK - 3 withdrawals per month free of charge. Up to 5.00 EUR (depending on the currency used) for every further withdrawal
paysafecard 10 EUR/30 PLN/10 USD/10 GBP/20 BGN/40 RON/80 SEK/60 DKK/15 CHF/100 CZK 5,000 EUR (or equivalent amount in the currency of the betting account) -

2. Further information regarding the availability of the means of payment can be found in the withdrawal section on the website and in the apps.

3. bet-at-home reserves the right to pay out all funds in EURO only.

4. bet-at-home is not responsible for exchange rate fluctuations and any subsequent differences.

5. At the customer's request, winnings or a proportion of their winnings may be transferred immediately from their balance to an account which they have specified. Payouts exceeding 2,000 euros require the customer's identity, age and place of residence. If no transaction has been recorded on a customer's account for thirty months, the funds on the customer's account will be paid out. If the customer can't be located, the funds will be remitted to the MGA. It is unlawful to deposit funds obtained from ill-gotten means. Therefore all transactions are checked to prevent money laundering and suspicious transactions will be reported.

6. The funds will remain on the betting account until the withdrawal has been processed. It is the customers' responsibility to ensure that the account balance remains high enough to cover the requested withdrawal until the withdrawal has been processed. If the balance does not cover the amount requested the withdrawal order will be cancelled by bet-at-home.

7. bet-at-home only pays out funds to the same account which was used to deposit to the betting account. bet-at-home reserves the right to deviate from this rule at its own discretion.

8. bet-at-home reserves the right to withhold funds from withdrawals if these funds were not used for wagering/betting.

9. On request, the customer shall undertake to provide a copy of an official photographic identification document (passport, driving licence, personal ID card) and a copy of the credit cards used by the user before the withdrawal will be processed.

N. Cash Out

1. The Cash Out option allows an early Cash Out of a placed single or combi bet from the sports and live betting offer, thus selling the bet to bet-at-home before it is settled. The Cash Out option is not offered for system or multi-way bets.

2. The Cash Out option is not available if linked funds, bonus funds or voucher funds were used to place the bet.

3. The Cash Out amount is calculated based on the current odds minus a processing fee and cannot be negotiated. Bets sold via Cash Out are treated as settled. The actual final result of the respective bet does not influence the amount of the Cash Out.

4. bet-at-home tries to offer the Cash Out option as often as possible, but its availability cannot be guaranteed. bet-at-home is not liable for losses resulting from the Cash Out option not being available. If the Cash Out option is not available, the bets will be settled according to the odds with which they were placed.

5. bet-at-home reserves the right to withdraw or terminate the Cash Out option at any time without a warning. Furthermore, bet-at-home reserves the right to cancel withdrawals from a cashed out bet and claim the funds back from the customer in case of suspicion of abuse, an obvious error in odds, or an error in the settlement of the bets.

6. The Cash Out option can be deactivated at any time in the account settings.

O. Profit Limits

1. The profit limit per bet is 20,000 euros. If a customer places several identical bets regardless of the time or sequence, and the total winnings of these bets exceeds the maximum payout, bet-at-home has the right to reduce these total winnings as the total maximum payout for several identical bets is also 20,000 euros. bet-at-home is not liable for the excess amount, which exceeds this maximum payout.

2. The profit limit per customer and per week is 100,000 euros.

P. Promotion Offers

1. bet-at-home regularly offers bonuses, competitions, promotions or vouchers (hereinafter collectively referred to as "promotion offers"). Detailed participation conditions for a promotion offer can be found either on the referring promotion material or are sent to the customer via e-mail or any other valid way by bet-at-home.com. Such a valid way may be to provide the customer with a web address (URL) where the detailed participation conditions can be accessed.

The customer commits to read the appropriate participation conditions in detail prior to utilising a particular promotion offer.

By participating the customer confirms that he/she has read and accepts the participation conditions.

2. All promotion offers apply only to the particular receiver and may only be utilised once. One and the same promotion offer (e.g. several vouchers of a single voucher campaign) is limited to one betting account per person, family, household, IP address, computer or any other terminal (e.g. smartphone, tablet). Promotion offers must not be transferred or sold to third parties.

3. bet-at-home reserves the right to, at any time, change the participation conditions for promotion offers and to terminate the promotion offers. Further, bet-at-home reserves the right to, at their own discretion, request sufficient documents from customers in order to verify the customers’ identity prior to crediting amounts linked to promotion offers to the customers’ betting account or paying them out. bet-at-home reserves the right to completely or partially restrict customers’ participation eligibility for promotion offers at their own discretion.

4. bet-at-home reserves the right to claim back funds linked to promotion offers as well as any resulting winnings or other unrightfully obtained amounts at their own discretion, if
  • a customer breaches one or more conditions of the promotion offer;
  • there is reasonable suspicion that a customer, on his/her own or together with other customers, tries to elude or actually eludes the participation conditions for the promotion offer (e.g. by multiple registrations, particularly in connection with fictitious accounts or gaming communities or by "balance betting");
  • customers have obtained a promotion offer by trickery or fraud.
5.1 Funds are divided as follows when a customer participates in a promotional offer for sports betting:

The deposited amount, which the bonus is credited for, as well as all resulting winnings will be displayed as "Linked funds" until the participation conditions for the promotion offer have been fulfilled or can no longer be fulfilled (e.g. promotion period expires).

The amount customers receive for depositing as well as all resulting winnings will be displayed as "Bonus funds" until the participation conditions for the promotion offer have been fulfilled or can no longer be fulfilled (e.g. promotion period expires).

The amount customers receive for redeeming a voucher as well as all resulting winnings will be displayed as "Voucher funds" until the participation conditions of the promotion offer have been fulfilled or can no longer be fulfilled (e.g. promotion period expires).

It is not possible to withdraw the amount resulting from the promotion offer (voucher funds, bonus funds) until the participation conditions have been fulfilled. All resulting winnings linked to a promotion offer will remain linked to this until the participation conditions (e.g. rollover conditions) have been completely fulfilled, the promotion period has expired or the bonus/voucher funds have been used up. If the participation conditions (e.g. rollover conditions) have not been met by the end of the promotion offer, bet-at-home reserves the right to cancel funds granted in relation to the promotion offer and all resulting winnings.

5.2 When placing bets, available funds will be used in the following order:
  • Linked funds
  • Bonus funds
  • Voucher funds
  • Funds
This order applies irrespectively of any participation conditions (e.g. minimum odds).

6.1 Casino chips are divided as follows when a customer participates in a promotional offer for the bet-at-home Casino:

Casino chips which are purchased in order to receive a bonus will be displayed as "Linked chips" in the betting account until the participation conditions of the promotional offer for the bet-at-home Casino have been fulfilled or can no longer be fulfilled (e.g. due to the promotional period expiring).

Casino chips which are granted as a bonus when a customer purchases chips in the bet-at-home Casino, as well as winnings resulting from these chips, will be displayed as "Bonus chips" until the participation conditions of the promotional offer for the bet-at-home Casino have been fulfilled or can no longer be fulfilled (e.g. due to the promotional period expiring).

Casino chips which are not designated as "Linked chips" or "Bonus chips" are referred to as "Unlinked chips". There are no restrictions on these chips; they can therefore be used to play in the casino or transferred to the betting account and converted into funds.

It is not possible to withdraw the bonus amount resulting from the promotional offer for the bet-at-home Casino until the participation conditions have been fulfilled. All winnings resulting from this amount which are linked to a promotional offer for the bet-at-home Casino will remain linked to this offer until the participation conditions (e.g. rollover conditions) have been completely fulfilled, the promotional period of the offer for the bet-at-home Casino has expired, or the "Bonus chips" have been completely used up. If the participation conditions (e.g. rollover conditions) have not been met by the end of the promotional period of the offer for the bet-at-home Casino, bet-at-home reserves the right to cancel the chips granted in relation to the promotional offer for the bet-at-home Casino and all resulting winnings.

6.2 When playing in the casino, available casino chips will be used in the following order:
  • Unlinked chips
  • Linked chips
  • Bonus chips
This order applies irrespective of any participation conditions.

7. In case of discrepancies between the general participation conditions for promotion offers in the general terms and conditions and the particular participation conditions for a certain promotion offer, the latter conditions take priority. In case of discrepancies between the English version of the (participation) conditions for promotion offers and a version in any other language the English version applies.

Last change on: 12.12.2017 00:00
Version: 3.22

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