LuckyWins vs Stake 2026: Bonus, KYC and Payments Compared

Each fact below comes from a dated source. An unknown fact stays unknown, and no score combines the facts.

Data maintained and reviewed by RTP Ledger Editorial MethodologyLast reviewed 2026-10-24

The checked sources disagree most clearly on operator and domain, licence, restricted countries and kyc (identity check) triggers between LuckyWins and Stake (2 more documented differences in the decision summary). Fields without a dated value stay unknown rather than assumed equal.

Decision summary

Each cell copies one dated record from the review. “Unknown” means that no dated source confirms the fact.

Fact	LuckyWins	Stake
Operator and domain	Novatrix SRL · luckywins.netConfirmed· Oct 24, 2026LuckyWins review	Medium Rare N.V. · stake.comConfirmed· Aug 2, 2026Stake review
Licence	Tobique licenceConfirmed· Oct 24, 2026LuckyWins review	Curaçao licence. Two published sources disagree on its details.Sources disagree· Sep 13, 2026Stake review
Restricted countries	Tobique terms clause 2.4 names 30 restricted jurisdictions, including the United States, the United Kingdom, Ontario and New Brunswick; Swedish players get no bonuses; the Anjouan terms clause 3.1 names a different list of 41, including AustraliaConfirmed· Oct 24, 2026LuckyWins review	45 prohibited jurisdictions in the global stake.com terms; regional carve-outs require market-level readingConfirmed· Aug 1, 2026Stake review
KYC (identity check) triggers	Verification is due by the earliest of 30 days after the first deposit, EUR 2,000 in deposits or own-funds wagers, or the first payout; ID is required before playing with BTC; ID, proof of address and payment proof can be requested; review can take up to 30 working daysConfirmed· Oct 24, 2026LuckyWins review	Additional KYC may be requested; published source-of-income document classes existConfirmed· Aug 2, 2026Stake review
Crypto assets and networks	1 assets: BTC. No dated source names a network.Dated record· Sep 13, 2026LuckyWins review	9 assets: BTC (Bitcoin), DOGE (Dogecoin), ETH (ERC-20, BEP-20), LTC (Litecoin), SOL (Solana), TRX (TRC-20) and 3 more. A network is named for 9 of 9 assets.Dated record· Sep 13, 2026Stake review
Deposit minimum and fees	Minimum deposit EUR 20 or equivalent; maximum set per method; no upper limit on crypto deposits; deposits must come from an account in the player's name; each deposit must be wagered three times before withdrawalConfirmed· Oct 24, 2026LuckyWins review	UnknownUnknown· Aug 2, 2026Stake review
Withdrawal limits and fees	Minimum withdrawal EUR 20 or the crypto equivalent; processing aimed within 72 hours of approval; limits of EUR 7,500 per rolling 7 days and EUR 15,000 per month; progressive jackpot wins excluded from the limitsConfirmed· Oct 24, 2026LuckyWins review	100% deposit turnover; live minimum; discretionary fee; additional KYC possibleConfirmed· Aug 1, 2026Stake review
Bonus wagering requirement	UnknownUnknown· Aug 19, 2026LuckyWins review	UnknownUnknown· Nov 3, 2026Stake review
Bonus expiry	UnknownUnknown· Aug 19, 2026LuckyWins review	UnknownUnknown· Nov 3, 2026Stake review
RTP Ledger cashout test	Not tested by RTP LedgerUnknown· Oct 24, 2026LuckyWins review	Not tested by RTP LedgerUnknown· Aug 1, 2026Stake review

Research coverage

Coverage counts the review areas that contain a claim with a dated source. It is not a rating of the casino.

LuckyWins

luckywins.net

Review coverage16 of 20 areas

Areas tested by RTP Ledger: 0
Last checked: Oct 24, 2026

Read the LuckyWins review

Stake

stake.com

Review coverage16 of 20 areas

Areas tested by RTP Ledger: 0
Last checked: Sep 13, 2026

Read the Stake review

Welcome offer

LuckyWins

Offer type on file: unknown. The checked source did not confirm the full terms.

See the source check

Stake

Welcome Offer: rakeback of 3.5% of the house edge

Operator source · checked Nov 3, 2026 · Full terms

The checked sources confirm the welcome offer of Stake today.

Key areas side by side

The seven areas to check first before a deposit, with the status and the last check date.

Area	LuckyWins	Stake
Licence	Partial evidenceOct 24, 2026	DocumentedSep 13, 2026
Payment methods	DocumentedOct 24, 2026	DocumentedAug 2, 2026
Deposit terms	DocumentedOct 24, 2026	Partial evidenceAug 2, 2026
Withdrawal terms	Partial evidenceOct 24, 2026	Partial evidenceAug 1, 2026
Bonus terms	DocumentedOct 24, 2026	Partial evidenceAug 2, 2026
KYC and verification	Partial evidenceOct 24, 2026	Partial evidenceAug 2, 2026
Cashout test	Partial evidence	Partial evidence

All 20 review areas

Each cell shows the status, a summary and the dated sources for one casino.

Review area	LuckyWins	Stake
01Legal operator identity	Documented The footer and terms clause 1.1 name Novatrix SRL, a Costa Rica company with registration number 3-102-893958. The registered address is in Potrero Cerrado, Oreamuno, Cartago. The terms and the privacy policy also hold a paragraph that names Vixatrix Limited of Cyprus as a payment agent. The page code shows that paragraph only to logged-in users in one user group. The Tobique and Anjouan regulator lists both name Novatrix as a licence holder. Checked Oct 24, 2026LuckyWins homepage footer ↗LuckyWins terms and conditions ↗LuckyWins privacy policy (Tobique version) ↗Tobique Gaming Commission licence-holder list ↗Anjouan Gaming public licence register ↗	Documented The operator and regulator records bind Medium Rare N.V. to stake.com. Checked Aug 2, 2026Curaçao Gaming Authority certificate ↗Stake terms ↗
02Licence and domain coverage	Partial evidence The footer and the Tobique version of the terms state licence No. 0000002 from the Tobique Gaming Commission. The commission's list shows Novatrix S.R.L with a B2C licence that expires on 2027-03-13. The terms shown to Canada, India and Zimbabwe state Anjouan licence ALSI-202508056-FI2 instead. The Anjouan register lists that licence as valid until 2027-08-24, with luckywins.com among its domains. Coverage gaps: licence status. Checked Oct 24, 2026LuckyWins homepage footer ↗LuckyWins terms and conditions ↗Tobique Gaming Commission licence-holder list ↗Anjouan Gaming public licence register ↗	Documented The regulator certificate listed the covered domain, licensee, number and active status. The Curaçao Gaming Control Board's bulk licence registry PDF is dated 2026-09-10. The registry PDF lists the same licence number and Medium Rare N.V., company number 145353. The registry PDF gives an issued date of 9 December 2025 and an expiry date of 9 June 2026. The registry PDF gives a different status: "Assessment in progress". RTP Ledger does not resolve this discrepancy between the two regulator-published sources. Checked Sep 13, 2026Curaçao Gaming Authority certificate ↗Stake terms ↗Curaçao Gaming Control Board online gaming licence registry (bulk PDF, snapshot 2026-09-10) ↗
03Country restrictions	Documented Clause 2.4 of the Tobique terms names 30 restricted jurisdictions. The list includes the United States, the United Kingdom, the Netherlands, Ontario and New Brunswick. Clause 2.5 excludes players from Sweden from bonuses, promotions and VIP programmes. Clause 3.1 of the Anjouan terms names a different list of 41 territories. Australia, Germany and Spain are on the Anjouan list but not on the Tobique list. Checked Oct 24, 2026LuckyWins terms and conditions ↗	Documented The global terms enumerate 45 prohibited jurisdictions and prohibit VPN or proxy location manipulation; a named region is not silently expanded to an entire country. Checked Aug 1, 2026Stake terms ↗
04Account journey and closure	Not checked Registration, verification stages, account currency and closure journey are not checked. No dated source	Partial evidence The public terms state the age condition and contractual registration step. Coverage gaps: observed verification journey, observed account-closure journey. Checked Aug 1, 2026Stake terms ↗
05Payment catalogue	Documented Terms clause 4.1 lists 21 accepted currencies, including BTC, ETH, USDT, LTC, XRP, TRX, BNB, ADA and BCH. Clause 10.1 names Visa, Mastercard and other methods such as e-wallets and bank transfers. Clause 10.5 names CoinsPaid for crypto transactions. The payments page lists card and e-wallet methods by licence but has no crypto row. No page checked names a network for any crypto asset. Checked Oct 24, 2026LuckyWins terms and conditions ↗LuckyWins payments page ↗	Documented 9 payments.asset_withdrawal_table records cover BTC, DOGE, ETH, LTC, SOL, TRX, USDC, USDT, XRP. Each record follows the same documented pattern: BTC appears in Stake's public asset-level withdrawal table. The source does not bind the row to a specific network, so RTP Ledger does not treat it as an exact route claim. 17 payment route list records cover BTC on Bitcoin, DOGE on Dogecoin, ETH on ERC-20, ETH on BEP-20, LTC on Litecoin, SOL on Solana, TRX on TRC-20, USDC on ERC-20, USDC on BEP-20, USDC on Polygon, USDC on Solana, USDT on ERC-20, USDT on BEP-20, USDT on Polygon, USDT on TRC-20, USDT on Solana, XRP on XRP Ledger. Each record follows the same documented pattern: BTC and Bitcoin appear together in Stake's accepted-networks table for deposits. RTP Ledger does not transfer asset-level withdrawal minimums or fees onto this route. Checked Aug 2, 2026Stake crypto withdrawal limits ↗Stake accepted blockchain networks ↗
06Deposit terms	Documented Terms clause 10.4 sets a minimum deposit of EUR 20 or the equivalent. The maximum depends on the payment method. Clause 10.5 states that crypto deposits through CoinsPaid have no upper limit. Clause 10.3 forbids deposits from accounts in another person's name. Clause 9.7 requires each deposit to be wagered three times before withdrawal. Otherwise the casino can charge a processing fee or refuse the withdrawal. Checked Oct 24, 2026LuckyWins terms and conditions ↗	Partial evidence RTP Ledger checked the public crypto withdrawal table, but it does not establish exact deposit-route terms. Deposit minimums, fees, confirmation requirements and crediting stages remain unknown. Coverage gaps: deposit route terms. Checked Aug 2, 2026Stake crypto withdrawal limits ↗
07Withdrawal terms	Partial evidence Terms clause 11.1 sets a minimum withdrawal of EUR 20, or the crypto equivalent. Clause 11.6 aims to process withdrawals within 72 hours of approval. Clause 11.7 limits withdrawals to EUR 7,500 per rolling 7 days and EUR 15,000 per month. Progressive jackpot wins do not count toward these limits. Clause 11.10 warns that intermediary banks can charge fees on bank transfers, typically up to EUR 16. RTP Ledger has not observed a withdrawal on luckywins.com. Actual processing time and effective fees are not established. Coverage gaps: published crypto withdrawal rules, first-party withdrawal processing observation. Checked Oct 24, 2026LuckyWins terms and conditions ↗	Partial evidence The public terms describe four material withdrawal conditions but do not provide an observed processing time. Coverage gaps: first-party withdrawal processing observation. Checked Aug 1, 2026Stake terms ↗
08Bonus terms	Documented The bonus terms offer two first-deposit packages. A deposit of EUR 20 or more gets 100% up to EUR 1,000 plus 100 free spins. A deposit of EUR 100 or more gets 150% up to EUR 1,500, 100 free spins and 7 days of 5% daily cashback. The bonus and free-spin winnings carry 40 times wagering. Bonus winnings are capped at 5 times the bonus. The maximum bet with an active bonus is EUR 5 or USD 5. The bonus terms allow one offer per person, family, home address, email, IP address, payment account and device. Terms clause 2.5 excludes players from Sweden from bonuses. The first-deposit free spins and their winnings expire after 7 days. A player can cancel a bonus without loss of their own funds. Checked Oct 24, 2026LuckyWins bonus terms and conditions ↗LuckyWins terms and conditions ↗	Partial evidence Stake publishes that a valid affiliate code entered within 24 hours unlocks rakeback equal to 3.5% of house edge. RTP Ledger does not infer a fixed deposit-match amount, wagering requirement or account-specific eligibility. Coverage gaps: bonus eligibility and expiry. Checked Aug 2, 2026Stake welcome-offer guide ↗
09KYC and source-of-funds process	Partial evidence Terms clause 18.4 requires verification by the earliest of three points. These are 30 days after the first deposit, EUR 2,000 in deposits or own-funds wagers, or the first payout. Clause 2.7 requires a valid ID before a player plays with BTC. Clause 9.5 lists photo ID, proof of address and payment-method proof. Clauses 8.4 and 9.3 allow a phone call as part of verification. The KYC-AML policy allows up to 30 working days for document review. RTP Ledger has not run a test account on luckywins.com. The stage where verification is requested in practice is not established. Coverage gaps: observed KYC trigger and stage. Checked Oct 24, 2026LuckyWins terms and conditions ↗LuckyWins KYC - AML policy ↗	Partial evidence Published records support possible withdrawal KYC and a detailed source-of-income document list, not the trigger timing for a specific account. Coverage gaps: observed KYC trigger and stage. Checked Aug 2, 2026Stake terms ↗Stake source-of-income guide ↗
10Responsible-gambling controls	Documented The responsible gaming page offers deposit, loss and wager limits per day, week or month. A lower limit applies at once. A higher limit needs email confirmation and starts only after the old limit expires. The page warns that deposit limits cannot always apply to crypto deposits. The responsible gaming page offers cooling-off for 1 week, 1 month, 3 months or 6 months. Self-exclusion runs for 6 months, 9 months, 1 year or indefinitely. Both periods block fiat deposits and promotions. The page warns that some crypto deposits can still go through during either period. Checked Oct 24, 2026LuckyWins responsible gaming page ↗	Documented The help centre publishes loss and wager limits plus a delay before an increase takes effect. The help centre publishes both indefinite self-exclusion and shorter break-in-play options. Checked Aug 2, 2026Stake gambling limits ↗Stake self-exclusion ↗Stake break in play ↗
11RTP Ledger cashout test	Partial evidence RTP Ledger has not withdrawn funds from a luckywins.com test account. Cashout speed and fees are not observed. Coverage gaps: first-party cashout test. No dated source	Partial evidence RTP Ledger has not registered a completed Stake cashout observation. Published withdrawal rules are not a substitute for a first-party cashout test. Coverage gaps: first-party cashout test. No dated source
12Complaint handling	Partial evidence Terms clause 15.1 sends complaints to the support team first, with internal escalation. Clause 15.5 names EGIS, which operates under Tobique Gaming Commission rules, as the ADR body. Disputes go to disputes@egis-adr.com. Clause 13 bars claims filed more than one year after they arose. Clause 17 sends disputes to arbitration in Costa Rica. Coverage gaps: attributable complaint cases. Checked Oct 24, 2026LuckyWins terms and conditions ↗	Not checked Complaint handling and resolution outcomes are not checked in a dated source record. No dated source
13Ownership and related brands	Partial evidence The Anjouan register lists 64 domains under the Novatrix SRL licence ALSI-202508056-FI2. The domains include luckywins.com, casinonic.com, woocasino.com and kingbillycasino.com. The Tobique list shows two Novatrix S.R.L licences, one B2C and one B2B. Neither list names a parent company. luckywins.net serves a WordPress page titled "LuckyWins Australia Casino". Its footer links Terms and Conditions, Privacy Policy, Responsible Gaming, FAQ and Support to www.luckywins.com. The page names no operator company and no licence number. RTP Ledger has not established who publishes luckywins.net. Coverage gaps: parent/legal-group relationship, related-brand relationship. Checked Oct 24, 2026Anjouan Gaming public licence register ↗Tobique Gaming Commission licence-holder list ↗luckywins.net homepage (publisher not named on the page) ↗	Partial evidence The terms call both payment-processing companies wholly owned subsidiaries. Coverage gaps: parent/legal-group relationship, related-brand relationship. Checked Aug 1, 2026Stake terms ↗
14Game catalogue and RTP evidence	Not checked Casino-specific game availability and deployed RTP evidence are not checked. No dated source	Documented The public Stake Engine catalogue lists game, RTP and event-count records for each mode. RTP Ledger has no permanent archived copy of the catalogue. RTP Ledger does not infer account-specific availability from the catalogue. Checked Aug 1, 2026Stake Engine catalogue ↗
15Fairness and verification	Partial evidence The FAQ states that iTech Labs, a testing laboratory, certified the casino software. The FAQ states that the random number generator meets industry requirements. No page checked links or quotes a certificate. Coverage gaps: published fairness algorithm, reproduced account-bet verification. Checked Oct 24, 2026LuckyWins FAQ ↗	Partial evidence Stake publishes the algorithm and inputs for supported verifiable bets. Coverage gaps: reproduced account-bet verification. Checked Aug 1, 2026Stake provably-fair implementation ↗
16Account and withdrawal security	Partial evidence The privacy policy states that the account opens only with the player ID and password. The privacy policy also states that the player can turn on two-factor authentication (2FA). Coverage gaps: withdrawal re-verification, recovery and session controls. Checked Oct 24, 2026LuckyWins privacy policy (Tobique version) ↗	Partial evidence The help centre documents 2FA coverage and activation. The help centre documents an extra withdrawal authentication step for supported social logins. Coverage gaps: recovery and session controls. Checked Aug 1, 2026Stake 2FA guide ↗Stake withdrawal OAuth guide ↗
17Support and escalation	Partial evidence The support page gives support@luckywins.com and states that the support team works 24/7. The responsible gaming page names LiveChat and the same email address as contact routes. RTP Ledger has not timed a support request on luckywins.com. Response times are not established. Coverage gaps: timestamped support-response test. Checked Oct 24, 2026LuckyWins support page ↗LuckyWins responsible gaming page ↗	Partial evidence The terms publish the channels and stated availability, not observed response quality. Coverage gaps: timestamped support-response test. Checked Aug 1, 2026Stake terms ↗
18Product and user experience	Not checked Product catalogue, devices and observed usability defects are not checked. No dated source	Not checked Product catalogue, devices and observed usability defects are not checked. No dated source
19VIP and loyalty mechanics	Partial evidence The loyalty page data lists ten levels from 0 to 500,000 status points. Weekly cashback starts at the fifth level at 5% with 15 times wagering. The top level lists 25% weekly cashback with 1 times wagering. The level terms credit cashback every Thursday at 06:00 UTC. The maximum win from weekly cashback is EUR 5,000. Coverage gaps: effective VIP value and expiry. Checked Oct 24, 2026LuckyWins loyalty program ↗	Partial evidence The help centre names recurring promotion and loyalty mechanisms without proving account-specific value. Coverage gaps: effective VIP value and expiry. Checked Aug 1, 2026Stake promotions guide ↗
20Privacy and data rights	Partial evidence Privacy policy section 2 names Novatrix SRL as the data controller. It gives DPO@novatrixsrl.net as the data protection officer contact. Section 9 keeps personal data for at least five years after account closure under anti-money-laundering rules. Erasure requests within that period are not processed. Coverage gaps: privacy policy coverage, data deletion and account closure. Checked Oct 24, 2026LuckyWins privacy policy (Tobique version) ↗	Partial evidence The policy covers the main data lifecycle but does not publish a fixed duration for every category. The help centre distinguishes account closure from complete deletion. Coverage gaps: category-level retention schedule. Checked Aug 1, 2026Stake privacy policy ↗Stake account deletion guide ↗

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How the casino comparison works

On 2026-10-24, LuckyWins has 16 areas with source support. Stake has 16. These totals measure current RTP Ledger research coverage. They do not measure casino safety or service quality.

A source link supports only the scope stated in its cell. Published rules are not an RTP Ledger account test. An area without a dated source remains unresearched.

Current cashout test status, taken from each review:

LuckyWins: partial evidence; 0 dated sources; no dated check.
Stake: partial evidence; 0 dated sources; no dated check.

The comparison does not infer a completed account test from operator terms or from another review area.

For an asset and network view, use the money hub. For the full rules, read the casino review methodology.

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