Online Casinos in general: ING proof of origin of funds, which threatens trouble

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heinzchen wrote on 23.05.2022 at 16:11: Hello, I am a new member and was always a silent reader. Now I have a problem and maybe someone knows more than me....

ING has asked for a proof of funds. I would have received 38 k from ... in the last months and I would have 120 k cash receipts with Trustly, Zimpler etc in the period of the last year and I am supposed to provide proof if I would have inherited etc etc
I have no win in the sense that I have gambled it all away again.

The 38 k are from my parents and were a gift and transferred to me pö a pö. The other payments are Online Casinos, many different, also Curacao licenses....

The amount from my parents I could prove, the other amounts not all. Because I no longer know where I played everywhere and I recently blocked ALL casino accounts because I no longer want to play ! I am through with it. Don't have any problems with not playing anymore either.

Now I do not know what to answer the bank. I have transferred all incoming funds salary and outgoing funds to another account. Worked quite quickly, fortunately, because I'm afraid that the bank will terminate the account without notice or block it. So terminating the account would be okay. But I am afraid that the bank will report me for gambling or money laundering etc ?
Should I send the bank the already available receipts from the casino (as I said are not all)

Thanks for reading and replying

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Falko wrote on 23.05.2022 at 20:00: If you can live with the fact that this account is no longer available at ING, then I would simply cancel it in your place by itself. You can then set up a new one somewhere else. If they want to know why you canceled it, then you say because that goes too much into your privacy, what they demand everything from you. You also write here that you are afraid that the bank could then report you, so pull the ripcord before and cancel the account simply. After all, you have already emptied this account, because you can now do everything quite calmly this account closure.

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Antihero1335 wrote on 23.05.2022 at 20:04

Is in principle correct, with terminate itself, but it must respond to the demand; simply terminate and pull in head could end badly... The bank must clarify yes conclusively whether a money laundering suspicion is present, or just not...

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gamble1 wrote on 23.05.2022 at 21:10
What Falko says is even quite probably a very very stupid idea because that just makes you unnecessarily suspicious no offense Falko

The bank has now first transactions on the screen and either you react and explain conclusively where they come from or you leave it then the bank but could consider a forwarding

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Krabbenburger wrote on 23.05.2022 at 22:52
Sorry what you say is totally wrong . Falko is absolutely right .
It is better to be suspicious than to provide the bank with evidence on a silver platter that you have committed a crime. If the legal department of the bank comes to the conclusion that there is illegal gambling because of statements you have made or documents you have sent, they will be forwarded.

My Tip to Heinzchen :
Either completely ignore the bank's proof of funds request or even better explain that it is about sports betting wins of course only from German licensed bookmakers (do not give exact names and be very vague).
Do not send any withdrawal and Deposit histories to the bank for any transactions related to gambling.
You will only incriminate yourself .
Documents for the donation from your parents are no problem.
But of course you can also refuse if you think that the bank is not concerned (rightly so).
If you want to take it very precisely you can also contact a lawyer for legal advice to discuss everything in detail
Of course I do not know your transaction history with the bank in detail but from what you describe I think it is very unlikely that a case will be opened by the prosecutor even if the bank submits a report

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omenII wrote on 05/23/2022 at 11:10 pm
So I'm not aware of any case where a bank has initiated an investigative process by

admitted casino gambling to the tax authorities/prosecutor's office.
But that does not mean that it is impossible. We are not the judiciary.
The bank will most likely take the consequences, and terminate the account when they have
the origin of the money. But maybe not.

In my opinion, it is more dangerous to ignore all this. No one here knows whether the bank
is obliged, if no explanation comes, to report the whole thing. The black money suspicion
is then nothing cleared. I think this is a much more dangerous way.

But since none of us knows how the bank reacts to what, no one can help here.
Even among the banks there are different procedures. Some tolerate it, some
get terminated.

So the TE should turn to a place that can give her a reasonable statement, not a
"I think", "maybe", "nothing happens" etc, like here. After all, we are not talking about nonsense here, but ultimately
forbidden casino gambling, and a bank termination, which may be in the room
stands. And even if the TE doesn't care about that, it may well be that
that e.g. thereby the creditworthiness sinks. And that is then no longer funny.

Here some expressions are to be evaluated really only with a head shake

P.S. The bank has nothing to do with it, but it will probably be forwarded to the tax authorities, who will be concerned
what concerns. I don't think that is the better way.
I'd rather explain something to the bank than to the tax authorities!

But for such questions lawyers are the better contact!

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Krabbenburger wrote on 24.05.2022 at 00:13:There was even here in the forum a case .
There was one who won 400K
Maybe someone still remembers the case . Must be so 2 years ago a
Bank has frozen the account of the user and he has explained himself to the bank and said that it is gambling wins and even proved it .
A little later there was a house search and it was charged with illegal gambling.
The user has then spoken to a lawyer and told him that his biggest mistake was to say that it was gambling and he played from D. The whole thing ended well.
But the whole thing turned out well. Proceedings were discontinued against a fine.

I am sure that any reasonable lawyer would advise you in this situation not to send documents to your bank that incriminate yourself.

@ Heinzchen
I do not want to spread panic here. With your initial situation very probably nothing else will happen
Nevertheless, you should not serve your bank evidence on a silver platter that speaks against you.

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