12bank Terms & Conditions

In these Terms & Conditions, the following definitions apply unless the context requires otherwise:

• "Platform" means the 12bank website, mobile browser interface, and all associated services operated under the domain 12bank.asia.
• "Account" means the personal online account registered by a user to access 12bank services.
• "User", "You", or "Player" means any individual who registers for or uses a 12bank account.
• "We", "Us", or "12bank" means the operators of the 12bank platform.
• "Services" means all gaming products, sports betting markets, promotional offers, and related features accessible through the Platform.
• "Bonus Funds" means any promotional credits, free spins, cashback, or matched deposit amounts granted to a User under a specific promotional offer.
• "BDT" means Bangladeshi Taka, the official currency of Bangladesh, denoted by the symbol ৳.
• "Wagering Requirement" means the number of times a Bonus Fund must be staked before withdrawal of associated winnings is permitted.

References to the singular include the plural and vice versa. Headings are provided for convenience only and do not affect interpretation.

To register for a 12bank account and access the Services, you must satisfy all of the following eligibility requirements at the time of registration and throughout your continued use of the Platform:

• You must be at least 21 years of age. 12bank strictly enforces this minimum age requirement in accordance with responsible gaming principles.
• You must be a resident or current physical presence in a jurisdiction where online gaming and sports betting are not explicitly prohibited under applicable law.
• You must provide accurate, current, and complete personal information during the registration process, including your full legal name, date of birth, and a valid email address or mobile number.
• You must not already hold an existing 12bank account. Only one account per person is permitted.
• You must not be self-excluded from the Platform or operating under a voluntary suspension that you have previously requested.

12bank reserves the right to request identity verification documents at any time, including but not limited to a national ID card, passport, or driving licence, as well as proof of payment method ownership. Failure to provide satisfactory verification within a reasonable period may result in account restriction or closure.

By completing the registration process, you represent and warrant that all information provided is truthful and that you meet the eligibility criteria above. Providing false information during registration is grounds for immediate account termination and forfeiture of any balance held.

Users of the 12bank Platform are required to conduct themselves in good faith at all times. The following activities are strictly prohibited and may result in immediate account suspension, permanent closure, and forfeiture of funds:

• Opening or operating more than one account, whether under the same identity or different identities.
• Allowing any third party to access or use your account on your behalf.
• Using automated software, bots, scripts, or artificial intelligence tools to interact with the Platform or place bets.
• Engaging in any form of collusion, match-fixing, arbitrage betting, or coordinated wagering intended to exploit promotional offers or game mechanics.
• Attempting to reverse-engineer, copy, reproduce, or interfere with the technical infrastructure of the Platform.
• Using a payment method that is not registered in your own legal name, or depositing funds sourced from illegal activities.
• Making any misrepresentation to 12bank support staff or submitting fraudulent documents.
• Engaging in conduct that is abusive, threatening, or harassing toward 12bank personnel or other users.

Where 12bank has reasonable grounds to suspect that prohibited activity has occurred, we reserve the right to suspend account access, withhold funds pending investigation, and report the matter to relevant authorities where appropriate. Any determination made by 12bank regarding prohibited conduct is final.

All monetary transactions on the 12bank Platform are processed in Bangladeshi Taka (BDT). The following payment methods are currently accepted for deposits and withdrawals: bKash, Nagad, Rocket, Upay, Visa, and Mastercard.

Deposits: The minimum deposit amount is ৳100. All deposit requests are processed subject to the availability of the selected payment service. Deposits made via bKash, Nagad, Rocket, or Upay are typically credited to your 12bank account within minutes of successful payment confirmation. 12bank is not responsible for delays caused by third-party payment providers or network disruptions.

Withdrawals: Withdrawal requests are processed to the same payment method used for the corresponding deposit. You may not withdraw to a different wallet or card than the one used to fund your account unless you have completed additional verification. Standard withdrawal requests are processed during normal operating hours. 12bank does not charge withdrawal fees on standard payout requests; however, your payment provider may apply their own transaction charges.

Third-party deposits: Depositing funds from a payment method not registered in your own legal name is strictly prohibited. Any funds identified as originating from a third-party source will be returned and the associated account may be suspended pending investigation.

Currency: All balances, transactions, and wagering activity on the Platform are denominated in BDT. 12bank does not accept deposits in foreign currencies. Any currency conversion charges incurred through international card transactions are the responsibility of the account holder.

Withdrawal limits and verification: 12bank may apply daily, weekly, or monthly withdrawal limits. Withdrawal requests above specified thresholds may require completion of enhanced identity verification before funds are released. These measures are in place to comply with anti-money laundering best practices and to protect the security of your account.

12bank offers promotional bonuses, free spins, reload offers, cashback promotions, and seasonal incentives to eligible account holders. All promotions are subject to specific terms that are communicated at the point of offer activation. The following general rules apply to all promotional offers unless explicitly stated otherwise:

• Bonus Funds are credited separately from real-money balances. Real-money funds are always wagered before Bonus Funds unless the Platform specifies otherwise.
• Each promotional offer carries a Wagering Requirement, expressed as a multiplier (for example, 30x means the Bonus Fund amount must be wagered thirty times before associated winnings become withdrawable as real money).
• Wagering Requirements must be met within the stated time limit for each offer. Uncompleted bonus wagering after the expiry period results in automatic forfeiture of the Bonus Fund and any winnings accumulated from it.
• Certain game categories may contribute at different rates toward Wagering Requirements. Live casino tables, progressive jackpot slots, and specific game titles may contribute at a reduced rate or not at all. The applicable contribution rates are displayed on the relevant promotion page.
• Bonuses are available to one account per household, per device, and per IP address. Multiple accounts created to claim bonuses repeatedly constitute bonus abuse and will result in account termination.
• 12bank reserves the right to modify, suspend, or withdraw any promotional offer at any time without prior notice. Modifications will not affect bonuses already activated and in progress by a user, except in cases of identified abuse.
• Any winnings generated from Bonus Funds in excess of a maximum cashout cap — where one is specified — will be removed from the account balance at the time of withdrawal processing.

Players are encouraged to review the specific terms of each promotion before opting in. If you have questions about a bonus offer, contact our support team at [email protected] before activating the offer.

All games available on the 12bank Platform are provided by certified third-party game studios including, but not limited to, Pragmatic Play, Evolution Gaming, NetEnt, Microgaming, Spribe, and Ezugi. Game rules, return-to-player percentages, and paytable information are accessible within each individual game's information panel.

Randomness and fairness: All slot and casino games use certified random number generator (RNG) technology. 12bank does not alter or modify game outcomes. The house edge applicable to each game is inherent to the game mathematics as supplied by the game provider.

Sports betting: All sports betting markets, including cricket, football, kabaddi, and other offered sports, are subject to the specific rules for each market type. In the event of a dispute regarding the settlement of a bet, 12bank's determination — based on official match results and applicable market rules — is final.

Technical malfunctions: In the event of a technical fault, server error, or network disruption that affects the outcome or settlement of a game or bet, 12bank reserves the right to void the relevant round or wager and refund the staked amount to the player's account. Winnings arising from a clearly erroneous display or technical malfunction are not valid and will not be honoured.

Disconnection policy: If you experience a disconnection during a live casino table session or crash game round, the round will be settled according to the game provider's disconnection rules. Where the round outcome was determined before disconnection, the result stands. 12bank is not liable for losses arising from internet connectivity issues on the player's end.

12bank is committed to providing a responsible gaming environment. We provide all registered players with access to the following self-management tools at no charge:

• Deposit Limits: Set daily, weekly, or monthly deposit caps on your account to control spending.
• Session Reminders: Configure time alerts that notify you when you have been active on the Platform for a specified duration.
• Cooling-Off Period: Temporarily suspend your account for a defined period of between 24 hours and 6 weeks. Account access is restored automatically when the period expires.
• Self-Exclusion: Permanently or indefinitely close your account if you believe your gaming behaviour has become problematic. Self-exclusion requests take effect immediately and are irreversible for the duration of the exclusion period.

Players who believe their gambling may be causing harm to themselves or others are encouraged to use these tools without hesitation and to contact our support team directly. 12bank does not market to individuals who are under self-exclusion.

For more detailed guidance on responsible gaming, please visit our dedicated Responsible Gaming page.

12bank collects, stores, and processes personal data in accordance with our Privacy Policy, which forms part of these Terms & Conditions by reference. By registering for an account, you consent to the collection and use of your personal data as described in the Privacy Policy.

Your personal data is used solely for the purposes of account management, identity verification, payment processing, fraud prevention, and the delivery of relevant promotional communications where you have provided consent. 12bank does not sell personal data to third parties. All data is stored with industry-standard encryption and access controls.

You have the right to request access to the personal data 12bank holds about you, to request corrections, or to request deletion of your account and associated data, subject to any legal retention obligations applicable to financial transaction records.

All content on the 12bank Platform — including but not limited to the brand name, logo, page layouts, design elements, text, graphics, and software — is the property of 12bank or its licensed content providers and is protected by applicable intellectual property laws.

You are granted a limited, non-exclusive, non-transferable licence to access and use the Platform for personal, non-commercial gaming purposes only. You may not copy, reproduce, redistribute, publish, display, transmit, or create derivative works from any content on the Platform without prior written permission from 12bank.

Game content, including game graphics, audio, and mechanics, remains the intellectual property of the respective game providers (Pragmatic Play, Evolution Gaming, NetEnt, Microgaming, Spribe, Ezugi, and others). Any unauthorised reproduction of game content is a violation of those providers' rights.

To the fullest extent permitted by applicable law, 12bank and its operators, directors, employees, agents, and content providers shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of or inability to use the Platform or Services, including but not limited to:

• Loss of funds resulting from technical malfunctions, server outages, or third-party payment provider failures.
• Loss of earnings or anticipated profits arising from game outcomes or betting results.
• Unauthorised access to your account resulting from your own failure to protect login credentials.
• Delays in deposit crediting or withdrawal processing caused by payment provider systems outside 12bank's control.
• Interruptions to service caused by scheduled or emergency platform maintenance.

12bank's total aggregate liability to any individual user for any claim arising out of or relating to these Terms & Conditions shall not exceed the total amount deposited by that user in the twelve-month period immediately preceding the claim.

Nothing in these Terms & Conditions excludes or limits liability for fraud, gross negligence, or any other liability that cannot be lawfully excluded.

12bank reserves the right to amend, update, or replace these Terms & Conditions at any time. When material changes are made, we will update the "Last Updated" date at the top of this page. Where changes are significant, we may provide additional notice to registered users via email or an in-platform notification.

Your continued use of the Platform following the publication of revised Terms & Conditions constitutes your acceptance of those changes. If you do not agree with the revised terms, you must stop using the Platform and may request account closure by contacting our support team.

It is your responsibility to review these Terms & Conditions periodically. 12bank recommends checking this page at least once every three months.

These Terms & Conditions and any dispute or claim arising out of or in connection with them shall be governed by and construed in accordance with applicable law. Any dispute between you and 12bank that cannot be resolved informally through our customer support process will be referred to binding arbitration or the appropriate dispute resolution mechanism available under applicable law.

Before initiating any formal dispute process, you agree to contact 12bank support at [email protected] and allow a reasonable period of not less than 30 days for the matter to be addressed informally. 12bank commits to responding to all formal complaints within 10 business days.

These Terms & Conditions are written in English. In the event of any inconsistency between an English version and any translated version, the English version shall prevail.

If you have questions, concerns, or complaints regarding these Terms & Conditions or any aspect of the 12bank Platform, please contact our support team:

• Email: [email protected]
• Support Hours: Available seven days a week, with responses provided within one business day.
• Platform: 12bank.asia

Please include your registered account username or email address in all support correspondence to allow us to locate your account promptly.