Source-of-funds (SoF) checks are an AML requirement triggered when a player's deposits exceed a defined threshold (operator-specific, often £2,500-£5,000 monthly). The operator requests evidence that the deposited funds originated legitimately — typically pay slips, bank statements, P60s, or evidence of investment income.
SoF requests are not optional under UK law. Refusal to provide evidence results in the account being frozen pending review or closed entirely with deposits returned to the originating method.
Smart practice: complete SoF documentation proactively if you expect to deposit at higher tiers. Provide the documents in a timely fashion when requested and keep records of when and what you sent.
Example usage
- Last 3 months bank statements
- Most recent P60
- Investment statements
Related terms
- AML (Anti-Money Laundering) — Regulations requiring operators to monitor and verify transactions to prevent money laundering through gambling.
- Financial vulnerability check — A frictionless background check using publicly available financial data — triggered above defined deposit thresholds.
- KYC (Know Your Customer) — Identity verification required before withdrawals — proof of ID, address and sometimes payment method ownership.