Your Havabet account must be verified prior to depositing. You must deposit funds into your Havabet Customer Account before you will be able to place a bet. In order to make a Deposit, navigate to the 'Banking' tab within the 'My Account' section of the Havabet platform.

Deposit Methods

Havabet supports the following deposit methods:

• Debit Card:

  In order to make your first Deposit via Debit Card you will first need to register the new card. Once you have made a successful deposit via a given Debit Card, the details of the Debit Card will be saved in your Havabet Customer Account so that you do not need to re-enter your details when making future deposits (unless your Debit Card expires).

  If you use more than one card to deposit funds, all of your registered cards will be listed in the 'Use An Existing Card' section within 'My Account'.

  Havabet may, at its discretion, require that you verify your ownership of any Debit Card that is used to fund your Havabet Customer Account. In such circumstances, you will need to provide us with a legible copy (or photograph) of the front and back of the relevant card. (When sending a copy of the card, the middle 8 digits of the Debit card may be redacted for security purposes.)

• Electronic Funds Transfers (EFTs):

  You can transfer funds to your Havabet electronically via your financial institution's website. Our Bank Account details are as follows:

  Bank Name	ANZ Bank
  Account Name	Havabet
  BSB	013-423
  Account Number	659 431 474

  To ensure that your Havabet Customer Account is promptly credited with any funds you have transferred electronically, you should notify Havabet of your EFT via the 'EFT Notification' tab within the 'My Account' section on the Havabet Platform. Please include your Havabet User ID / Username as part of the transaction reference so that we can easily identify the source of the funds.

  Please note that any funds deposited via EFT will not be credited to your Havabet Customer Account until we have confirmed receipt of the funds into our Bank Account.

• PayID:

  Using your online banking, you can complete an instant PayID transfer to an email address.

  The Havabet PayID reference is:

  [email protected]

  Please note that your first transfer via PayID may not be instaneous. It may take up to forty-eight (48) hours for your first PayID transfer to be cleared. After a PayID banking relationship has been established, future deposits of up to $1,000 will be instantly transferred to Havabet.

  Please let us know via Live Chat or via the 'EFT Notification' tab within 'My Account' that you have transferred funds so that we can ensure that your Havabet Customer Account is/has been credited immediately.

• Cash Deposit:

  You are able to direct deposit cash directly into your Havabet Customer Account at any ANZ Bank branch. Our Bank Details are set out in the ''EFT Notification'' section above.

  To ensure that your Havabet Customer Account is promptly credited with any cash you have direct deposited, you should notify Havabet of your cash deposit via the 'EFT Notification' tab within 'My Account'. You should also include your Havabet User ID / Username as part of the transaction reference so that we can easily identify the source of the funds.

  Please note that any funds deposited via cash may not be credited to your Havabet Customer Account until we have confirmed receipt of the funds into our Bank Account.

Transaction Fees

We do not charge our Customers transaction fees in respect of deposits exceeding $10.00, or withdrawals, except for deposits made by way of telegraphic transfer. We note, however, that you may be charged a fee by your financial institution for which it is your responsibility to pay.

We may (at our sole discretion) elect to pass on charges levied by our financial institution (or the provider of our merchant facility) in respect of telegraphic transfers used to either deposit or withdraw funds into/from your Havabet Customer Account.

If you wish to withdraw funds from your Havabet Customer Account, you need to navigate to the 'Banking' tab within the 'My Account' section of the Havabet platform and submit and ''EFT Withdrawal'' Request.

Please note that:

• All deposited funds must be turned over at least once before they will be able to be withdrawn;
• You must have had your identity successfully verified before you will be able to withdraw funds from your Customer Account; and
• If you use a debit card to fund your account, Havabet may (at its sole discretion) elect to deposit the proceeds back to the credit or debit card used for the deposit.

Verification of Deposit Method

Havabet reserves the right to withhold or cancel any pending withdrawals until the the method by which you have funded your Customer Account has been verified.

In order to verify your deposit method, we may require that you provide us with a legible copy of the front and back of the any card used to deposit funds. When sending a copy of the card, we only require that the first 6 and last 4 digits of your card number be visible (as well as your full name and the card expiry date). The other digits in your card number may be redacted.

Processing Withdrawal Requests

Withdrawal requests are processed twice daily between 11:00am and 1:00pm and again between 6:00pm and 8:00pm.

Where possible, we use Commonwealth Bank fast payments when processing Customer withdrawal requests. This means that, in most cases, funds will be available in your bank account immediately after we process your withdrawal request.

Where we are unable to process your withdrawal request via Commonwealth Bank fast payments, funds will be distributed to you via Electronic Funds Transfer (EFT). Funds distributed to you via EFT may take up to 5 Business Days depending on how long it takes for the banks to process the transfer.

Havabet reserves the right to postpone the processing and payment of any withdrawal request where:

• We reasonably believe that the withdrawal is being made by a third-party and not by you;
• We reasonably believe that one or more deposits into your Customer Account were made by a third-party and not by you;
• Any amount of the funds in your Customer Account have not been received into our bank account or are otherwise uncleared funds.
• You have not bet through or turned over each amount deposited in your Account at least once.
• You have not verified your Customer Account or any of the methods used to fund your Customer Account.

The minimum withdrawal amount is $10.00 except where the total balance in your Customer Account is less than $10.00, in which event you will be able to submit a withdrawal request for the entire remainder of your account balance.

Havabet is licensed in the SState of Victoria by Racing Victoria and regulated by the Victorian Gambling and Casino Control Commission (VGCCC).

Havabet is a member of the Victorian Bookmakers' Association Limited (VBA) (https://www.vicbookmakers.com.au).

As a condition of membership of the VBA, we are required to inform you that Havabet's wagering activities are formally guaranteed by the VBA, pursuant to the Racing Act 1958 (as amended, Victoria). The Racing Act may be viewed on http://www.legislation.vic.gov.au.

Section 94A of the Racing Act 1958 outlines the consumer protections afforded to customers in the event of a wagering default. Specifically, the VBA guarantee extends to the following:

• In respect of a cash or account funded wagering transaction (oncourse cash bet or internet-based bet from a funded account), consumer protection extends for a period of 60 days from the date of the wagering transaction; and
• In respect of a debit wagering transaction (oncourse debit bet, telephone-based debi bet), consumer protection extends for a period 21 days from the date of the wagering transaction.

Please note that the VBA guarantee extends to wagering transactions only. The guarantee does not extend to:

• Cash deposited by you into a bank account held with a VBA member; or
• Cash winnings derived from any wagering transaction left in your account (which are no longer eligible for guarantee).

Click here for additional information: https://www.vicbookmakers.com.au/guarantees/