How to get money back when blocking an account: chargeback and arbitration

Blocking an account in an online casino is one of the most unpleasant situations for a player, especially if real money or unpaid winnings remain in the account. In such cases, the player has several tools to protect his funds - internal arbitration, contacting the regulator and chargeback through a bank or payment system.

1. Reasons for account blocking

Before returning funds, it is important to understand the reason for blocking. Most often these are:

violation of casino rules (multiple accounts, use of bonus abuse, fraudulent actions);
failure to pass KYC or provide inaccurate data;
suspicions of money laundering;
technical error or system failure.

2. First step - internal proceedings

Contact customer service and request a written explanation.
Request a copy of the rules that blocked you.
If the blocking is unfounded - send an official claim to the casino e-mail.
Record all correspondence and screenshots - they will be needed for arbitration or chargeback.

3. Arbitration through the regulator

If the casino is licensed, the player has the right to contact the regulator:

MGA (Malta), UKGC (UK), Curacao eGaming, Gibraltar and others accept complaints from players.
A complaint is filed with a description of the situation, attachment of screenshots, correspondence and transactions.
The regulator is checking and may oblige the casino to return the money.

4. Chargeback - return through bank or payment system

What is it: a procedure for challenging a transaction in which a bank or payment system returns funds to the client.
How to act:

1. Contact the bank or in support of the payment system (Visa, MasterCard, PayPal, etc.) within the established deadlines (usually up to 120 days).
2. Provide evidence that the service was not provided or the account was blocked without reason.
3. Wait for the bank's decision (verification may take 30-90 days).

5. Features of chargers in gambling

Many banks are cautious about online casino transaction disputes, especially if they are licensed.
If you play in an unlicensed or offshore casino, the chances of a return are higher.
It is necessary to prove that the blocking was unreasonable, and access to funds was illegally limited.

6. When to go to arbitration or chargeback

If the casino does not respond to claims.
If the regulator is idle or the casino does not have a license.
If the amount is significant and there is evidence of illegal actions of the operator.

Conclusion:

Refunds when blocking an account are possible, but require documentary evidence and a clear strategy. The most reliable way is first an attempt to resolve the issue with the casino and the regulator, and then, if necessary, filing a chargeback through a bank or payment system.