Malta Licensing Rules
To get a Maltese MGA license the casino must have a minimum age requirement for players who wish to register for an account. For the most countries within Europe the age limit is usually 18+ and some countries set the age limit to 21. The casino also require that the customers verify their identity, a process known as ‘KYC’ (Know Your Customer). All the required documents needed to verify the identity have to be approved in order for the customer to have a total access to their account. To verify the account the following documents usually has to be provided:
Verification of ID: A scanned copy of Driving Licence, Passport or National ID Card. This is required to make sure that the player is in a legal age and that the name on the account matches the name on the ID, to assure that the account has been opened by the person the ID and not by anyone else.
Verification of Address: A scanned copy of a utility bill, telephone bill or a bank statement, showing the address and the name of the customer in order to verify that the address on the player account is the same address belonging to the person of the player account.
Verification of Payment: This is needed to verify the payment method and are most important if the customer uses a credit or debit card. Then a scanned copy of the front and back of the card is needed to make sure that the deposit was made with the same owner of the credit/debit card as on the player account.
The protection of players is highly important for the MGA. When the player sign up they have to enter the correct details and are not allowed to enter anyone else details without their approval. Information such as name, address, date of birth is important information and the player has to verify that this information is correct through the KYC verification process. Even if the player hasn’t provided the KYC documents they can still create an account, make a deposit and play the games. However, if they would like to make a withdrawal of their winnings, all the documents have to be approved first.
Malta Gaming Licenses
There are 4 different types of MGA licenses:
A remote gaming licence (examples of Class 1 licences would include casino-type games and online lotteries) whereby operators manage their own risk on repetitive games. It is also possible to have a Class 1 on 4 licence whereby the Class 1 licensee operates its games on the software and in certain cases through the equipment of a Class 4 licensee;
A remote betting licence (an example of a Class 2 licence would include fixed-odds betting) whereby operators manage their own risk on events based on a matchbook. It is possible to have a Class 2 on 4 licence whereby the Class 2 licensee operates its games on the software and in certain cases through the equipment of a Class 4 licensee;
A licence to promote and/or a bet remote gaming in or from Malta (an example of a Class 3 licence would include poker networks, peer-to-peer (P2P) gaming and game portals). It is also possible to have a Class 3 on 4 licence whereby the Class 3 licensee operates its games on the software and in certain cases through the equipment of a Class 4 licensee;
MGA takes responsible gaming very seriously and therefore all homepages licenced by the Malta Gaming Authority needs to display links and contact details to websites where players can seek help if they are having a problem with gambling. Apart from that, players should also be able to access a responsible gaming page where they can set different limits in order to control their gambling:
Here you can set a limit to how much you would like to deposit for a specific period of time. For example, if you set a limit of €20 in a month, then you can only deposit a maximum of €20 for that month.
Here you can set a wagering limit for a specific period of time. For example, if you set a wagering limit of €20 per day, you will only be able to wager €20 per day.
Here you can set a loss limit for a specific period of time. For example, if you set a loss limit of €20 per day, you will only be able to lose €20 per day, and if you try to place a bet after the loss limit has been reached, the bet will not go through
The player should also be able to lock the account for a specific period of time or permanently. When a player requests to have the account closed permanently the account cannot be re-opened again in the future.
If you have a complaint which concerns your account, withdrawals, deposits, bonuses, technical game problems etc., then the best thing is to take this up directly with the casino in question and solve it from there. Independent bodies are also available to contact in the case a disagreement between you and the casino which cannot be solved. Usually these independent bodies are found on the casinos website.
You contact the MGA Online Gaming Support if you think that a casino has breached their casino license. The MGA Online Gaming Support can be contact both via email and phone, although the best thing is to send an email to have the complaint recorded in writing. There is also a Players Charter which includes rights and obligations of players, which can be accessed through this link: http://www.mga.org.mt/wp-content/uploads/Malta-Gaming-Authority-Charter.pdf