Your PandaBet account must be verified prior to depositing. You must deposit funds into your PandaBet 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 PandaBet platform.

Deposit Methods

PandaBet 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 PandaBet 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'.

  PandaBet may, at its discretion, require that you verify your ownership of any Debit Card that is used to fund your PandaBet 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.)

• Credit Cards:

  Under Australian law, credit card deposits are no longer permitted for online wagering.

• Electronic Funds Transfers (EFTs):

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

  Bank Name	National Australia Bank
  Account Name	PandaBet
  BSB	084 789
  Account Number	413 256 004

  To ensure that your PandaBet Customer Account is promptly credited with any funds you have transferred electronically, you should notify PandaBet of your EFT via the 'EFT Notification' tab within the 'My Account' section on the PandaBet Platform. Please include your PandaBet 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 PandaBet 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/OSKO transfer to an email address.

  The PandaBet PayID reference is:

  [Your PIN]@pandabet.com.au

  Your PAYID/OSKO PIN can be found under the Banking tab in the My Account section of the PandaBet platform. It will be a 4-6 digit number.

  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 PandaBet.

  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 PandaBet Customer Account is/has been credited immediately.

• Cash Deposit:

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

  To ensure that your PandaBet Customer Account is promptly credited with any cash you have direct deposited, you should notify PandaBet of your cash deposit via the 'EFT Notification' tab within 'My Account'. You should also include your PandaBet 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 PandaBet 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 PandaBet Customer Account.

If you wish to withdraw funds from your PandaBet Customer Account, you need to navigate to the 'Banking' tab within the 'My Account' section of the PandaBet platform and submit an '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, PandaBet may (at its sole discretion) elect to deposit the proceeds back to the debit card used for the deposit.

Verification of Deposit Method

PandaBet 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 ocne daily on weekdays. PandaBet will use best endeavours to ensure that all withdrawal requests that are received before 11:00am AEST Monday-Friday (excluding Public Holidays) are processed on the day that they are received.

PandaBet does not use Osko or any other instant payment services when processing withdrawals. Withdrawal requests are processed, and funds distributed, 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 respective banks to process the transfer.

PandaBet 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.

PandaBet is licensed in the State of New South Wales by the Greyhound Welfare & Integrity Commission, and regulated by Liquor & Gaming NSW.

PandaBet is also a member of the NSW Bookmaker's Co-Operative which is an association that guarantees payment of all winning bets placed with their members.

In accordance with the Bookmaker Sports Betting Rules contained in the Racing Administration Act (NSW) 1998, and as administered by Liquor & Gaming NSW, PandaBet properly records all Customer transactions. PandaBet also maintains an off-site hosting facility for secure and continuous recording and retrieval of data connected with Customer transactions.