payo24 Terms & Conditions

Where these terms apply

These terms are the agreement between you and payo24. They cover every account, deposit, bonus and bet placed through payo24.org, whether you use the web lobby, the Android app or a live dealer table on a phone.

Open an account or place a bet and you accept them as written. Linked pages such as the privacy policy and the responsible gaming page form part of the same agreement, and where a promotion sets its own rules, those rules apply to that promotion alone.

Opening an account with payo24

Sign-up takes a few minutes on a phone. You enter a name, date of birth, mobile number and password, then confirm the number by SMS. The details must be your own, and the payo24 team checks them against the document you send at the first withdrawal.

Age and identity

Only adults may hold an account. You confirm you are 18 or older, and payo24 may ask for proof before releasing a first withdrawal. Where an account turns out to belong to a minor, payo24 closes it, returns the stakes and ends the matter there.

One account per person

Each person keeps one account. Sharing a password, opening a second account to claim the welcome bonus twice, or letting someone else play on your balance breaks this clause. payo24 can suspend linked accounts and hold the bonus portion of the balance while the case is reviewed.

Keeping details current

Tell payo24 support when your mobile number or address changes. Statements and KYC requests go to the number on file, and a stale number is the usual reason a payout sits unclaimed for days.

Money in: deposits and wallet limits

Deposits start at ৳500 and are made by bKash, Nagad, Rocket, Upay or bank transfer. Most mobile wallet top-ups reach the payo24 balance in about 4 minutes; bank transfers can take longer at weekends. The wallet name must match the account name.

Deposit only what you plan to play with. Funds added to a payo24 account are held for play and cannot be passed to a third party. payo24 does not take cash, cheques or payments sent from someone else's wallet, and any such transfer is returned to the sender.

Cash-outs, KYC checks and how long they take

Withdrawals start at ৳400 and return to the wallet or bank account you deposited from. Mobile wallet cash-outs usually land in about 12 minutes. The first one takes longer because the account has to be verified, and that review can run up to 2 hours.

Documents accepted

Send one clear photo of a National ID card, passport or driving licence, plus a selfie if payo24 support asks for one. Nothing else is needed, and the same document is not requested twice unless it has expired or the photo is unreadable.

Checks finish within 24 hours and often much sooner. A withdrawal requested before a check completes stays queued rather than cancelled, so there is no need to send the request a second time or to open a new chat about it.

The daily ceiling

The standard daily withdrawal limit is ৳95,000. Higher VIP tiers raise it, from ৳160,000 at Silver up to ৳450,000 at Ruby. The ceiling resets at midnight Bangladesh time, so a large request made late in the evening is paid out the following day.

Where a payout can be refused

Music to nobody's ears, but it happens: a payout is held when the name on the wallet does not match the account, when wagering on bonus funds is unfinished, or when a deposit was reversed after the withdrawal request. In each case support explains what to fix.

How payo24 handles bonuses and cashback

A first deposit earns 120% up to ৳9,000, a reload earns 22%, and daily cashback returns 1.4% of what you staked. Referring a friend pays ৳300 once that friend deposits. Every one of these offers carries 21 times wagering on the bonus amount.

Bonus money cannot be withdrawn until wagering is complete, and each offer stays open for 7 days. Games contribute differently: slots usually count in full while live tables count less. The payo24 bonus page lists the exact contribution before you opt in, so read it first.

Fair play and restricted accounts

payo24 may freeze a balance and ask questions when it sees matched betting across accounts, prediction software, a VPN hiding your location, or a deposit reversed after a withdrawal request. The account holder is told what triggered the check.

Deliberate bonus abuse, chargebacks or threats to staff end the agreement instead of pausing it. In those cases the remaining deposit is returned and any bonus, plus winnings taken from that bonus, is removed.

A frozen balance is not lost money. It stays on the account while the review runs, and support gives a decision once the documents or answers arrive. Most reviews close inside the same 24 hours that KYC uses.

Using the payo24 app and the website

The Android app is free, version 2.1.15, and takes 58 MB on a phone running Android 6.0 or newer. It carries the same lobby, cashier and limits as the browser. Download it from the app page on payo24.org rather than from a third-party store.

One session at a time is allowed per account. Signing in on a second device logs the first one out. Keep the screen lock on, because anyone holding an unlocked phone can spend the payo24 balance, and those bets are treated as yours.

Changes, suspension and closure

These terms change when payment rules or the game list change. The new version appears on this page and applies from the day it is posted. Play on after that date and you accept the update; if you do not, close the account before it takes effect.

You may close your account at any time through live chat, and any withdrawable balance is paid after verification. payo24 may also suspend an account while a dispute, a KYC mismatch or a legal request is being resolved, and will say which of those applies.

Complaints and support

payo24 support runs 24/7 on live chat, in English and Bangla. Describe the problem and add the transaction number if money is involved; the first reply usually arrives within minutes. Most cashier questions close in that first conversation.

If a complaint cannot be settled on chat, ask for it to be escalated. Written answers come through the same window, so keep the transcript. Nothing about a payo24 account is discussed with a third party, family members included, unless the account holder gives written permission.

Governing rules and legal position

The agreement follows the law of Bangladesh. Play is for adults, and declaring winnings is the player's own responsibility where local rules require it. payo24 runs an online gaming service and does not advise on tax or personal finance.

If one clause is found unenforceable, the rest stay in place. A delay in enforcing a clause on one occasion is not a waiver of it. These terms and the linked pages are the full agreement and they replace anything said on chat or social media.

Questions about the fine print

New here? Create a payo24 account and check the deposit guide before your first top-up. If a clause on this page is unclear, live chat will explain it before you put money in.