Lucky Days Review

3-102-961212 S.R.L. and two different licence statements

Clause 1 of the terms names 3-102-961212 Sociedad de Responsabilidad Limitada, registration 3-102-961212, with an office in Escazu, San Jose, Costa Rica, as owner of the service. It says the casino is licensed in the State of Anjouan under the Computer Gaming Licensing Act 007 of 2005, and in the same sentence gives the licence number as "To be Provider upon issuance". The site footer is more specific: it names licence ALSI-202607037-FI2 from the Government of the Autonomous Island of Anjouan, Union of Comoros. The casino's own pages therefore carry a placeholder in one place and a number in another.

CasinoGuru lists the same owner and the Anjouan Offshore Financial Authority, dates the brand to 2019 and counts 76 game providers and 37 payment methods. AskGamblers still lists a former operator, Raging Rhino N.V., with MGA, Spelinspektionen and AGCO licences, which does not match the terms. Payment services are run by Orionis Services Ltd of London (footer). Governing law is that of Anjouan (clause 26.6), the English text prevails (26.5) and the minimum age is 18 (3.1).

€10,000 per 24 hours, or €4,000 a day: two limits for one casino

Clause 8.6 sets the maximum at €10,000 per rolling 24 hours, counted across all withdrawals requested in that period, not per request. The same clause lists the equivalents: 10,000 USD, 10,000 CAD, 20,000 NZD, 40,000 PLN, 100,000 NOK, 1,000,000 INR, 4,000,000 HUF and 200,000 ZAR. At that cap a €50,000 win would leave in 5 days. The data held for the casino instead lists €4,000 a day and €50,000 a month, which would stretch the same €50,000 win to 13 days. The terms are the newer and more direct source, so the €10,000 figure is the one to plan with, but the gap is a conflict between sources and not a settled fact.

The minimum withdrawal is €20 or NZ$40 (8.1), except when a player closes the account. No commission is taken if the deposit has been wagered at least once. If it has not, clause 8.2 allows an 8% fee with a minimum of €4 or NZ$8, which the terms justify as an anti-money-laundering measure. On a €500 deposit withdrawn untouched that is €40. On the €20 minimum the 8% would be €1.60, but the €4 floor applies, so the real charge is 20%. Withdrawals go back to the original card, bank account or payment method (8.4), and a different method needs extra security checks.

A chargeback, denial or reversal costs an administration fee of €50 or NZ$100 (9.1), 2.5 times the minimum withdrawal, and winnings from reversed funds are forfeited (7.4). Deposits must come from a payment method in the player's own name (7.1), and most deposit fees are absorbed by the casino (7.2). AskGamblers lists e-wallets at 0 to 1 hours, cards and bank at 1 to 5 days and a pending period of 24 hours, while the data held shows 3 to 5 business days for every method; the terms themselves give no processing time.

Documents, a selfie and a call before any withdrawal

Clause 5.2 asks for a picture ID (passport, driving licence or national ID card) and a recent utility bill showing name and address, and lets the casino suspend wagering until they arrive. Clause 8.3 adds that before any withdrawal it may ask for a photo ID, address confirmation, a selfie or a verification call, and may repeat the check at any time. Clause 5.5 allows third-party checks on financial standing. The terms state no review deadline, so the 24-hour pending period quoted by AskGamblers starts only after documents are accepted.

Seven named countries and a conflict over Belgium, Italy and Estonia

Clause 4.1.3 bars residents of, or visitors from, France and its territories, Germany, the Netherlands and its territories, Spain, the Union of Comoros, the United Kingdom and the USA and its territories. That is 7 named entries, followed by all FATF blacklisted countries and any other jurisdiction the Anjouan Offshore Financial Authority prohibits. The data held for the casino blocks 12 country codes: US, BE, FR, TR, DK, IT, EE, DE, NL, ES, KM and GB. Belgium, Turkey, Denmark, Italy and Estonia appear there but are not named in the terms, so a player from those countries cannot rely on either list alone. Clause 3.4 forbids a VPN or proxy that masks the real location, and clause 5.4 allows one account per player.

Clauses that can cost a balance

The casino may close or suspend an account for a breach of the terms and withhold the money in it, including the deposit (6.3). It may also close an account without notice and return the funds (6.4). A mistaken credit stays the casino's property (6.6) and an overdrawn account is a debt (6.7). Employees of the operator and their close family may not play for real money, and any winnings are forfeited if they do (4.5). Total liability is capped at the stake involved or €500 / NZ$1,000, whichever is lower (15.2), which is 5% of the €10,000 daily withdrawal limit.

Time limits are short. Results are final after 72 hours (11.2) and a dispute must be lodged within 3 days of the wager being decided (22.4), while the casino only aims to answer within 28 days (22.3). The terms contain no inactivity fee and no maximum win clause, and clause 8.5 only tells holders of dormant accounts to contact support. The wagering terms of the bonuses are in a separate document that the sources do not give.

Welcome offer: €1,500 headline against €100 on AskGamblers

The home page says the first three deposits carry a welcome package worth up to €1,500 and names 100% up to €500 / NZ$1,000 on the first deposit. A deposit of €10 or more also earns a free Rewards Wheel spin every day for 30 days. AskGamblers records other figures: 100% up to €100 plus 100 free spins, 50% up to €200 on the second deposit, 25% up to €700 on the third, and 200 free spins with no wagering on a minimum deposit of €20. The two sources do not describe the same package, and the wagering terms are not published in the sources used here, so the value of the offer cannot be worked out.

Games, support and the tools AskGamblers confirms

CasinoGuru counts 76 providers, and clause 12 of the terms covers Quickspin games. The home page lists casino, live casino, tournaments, a Bonus Drop and a Telegram channel, and says support speaks English and German with live chat open around the clock. AskGamblers confirms 5 responsible gambling tools: deposit limit, time limit, self-exclusion, cool-off and self-assessment. Wager limit, loss limit, reality check and withdrawal lock are missing. Self-exclusion is requested by email and takes effect within 24 hours (6.9), and it applies only to this casino (6.9.1).

Safety Index 8.9, player rating 6.0 and 1,211 Trustpilot reviews

CasinoGuru gives a Safety Index of 8.9, High. AskGamblers shows a CasinoRank of 7.8 and a player rating of 6.0 from 55 reviews, more than 2 points under its CasinoRank. Trustpilot shows 4.4 stars from 1,211 reviews. The sources do not state complaint counts for this operator or describe individual cases, so no amount, date or outcome can be quoted. If a dispute is not settled, clause 22.6 gives a right to arbitration, and clause 22.7 says the Anjouan licensing body should be contacted only when the operator is thought to breach its licence.

Who Lucky Days suits and who should look elsewhere

It suits a player who needs withdrawals of up to €10,000 a day, plays in a country outside the 7 named entries and the FATF list, and will wager each deposit at least once to avoid the 8% fee. It does not suit a player in Belgium, Italy or Estonia, since the data held blocks them, or someone who wants a licence number in the terms themselves, since clause 1 still reads "To be Provider upon issuance". A player who expects to contest a bet after 3 days should look elsewhere.

The operator

Responsible gambling tools