The Netherlands Gambling Authority (Ksa) has issued a formal notice to TOTO Online BV for violations of the Money Laundering and Terrorism Financing (Prevention) Act (Wwft). TOTO Online operates in the Dutch market under the brand names TOTO and Winnitt. As part of its mandate to prevent money laundering and related criminal activity, the Ksa conducts continuous oversight and investigations into licensed gambling operators.
Violation Details
According to the regulator, TOTO Online failed to meet its obligations for ongoing monitoring of customer relationships and transactions following initial client due diligence. The order notes that in several cases, the operator did not adequately document why new information or events did not trigger changes to customer risk classifications, nor did it sufficiently justify the control measures it applied.
The Ksa also found shortcomings in TOTO Online’s investigation into the source of players’ funds, an essential component of Wwft compliance.
Dutch gambling operators are required to monitor player behavior and investigate unusual activity—such as sudden, large deposits. The Ksa’s previously published Wwft Guidelines highlight the risks associated with large deposits, even when they originate from a player’s own bank account.
Next Steps
TOTO Online cooperated with the investigation, and some violations were addressed before the notice was issued. Under the instruction, the operator now has six months to fully remedy the remaining deficiencies. After that period, the Ksa will conduct a follow‑up inspection to verify compliance.
