For a search like "proof of address rules", the answer starts with how a withdrawal moves. The money passes through several stages before it reaches the player, and each stage can hold it for a different reason. It is reviewed by the site, checked against the account, sent through a payment service and finally credited by the bank or wallet. Most delays players complain about sit in one of these stages, and the terms usually say which one.
Identity checks usually wait until the first withdrawal. The site asks for a photo document, a recent proof of address and sometimes a picture of the payment card with most digits covered. Larger amounts can trigger a question about the source of funds. Each document enters a queue of its own, so an account verified early withdraws faster later, and a blurred scan sent in a hurry restarts the wait for everything behind it.
Processing time depends on the method far more than on the site. Electronic wallets and many crypto payments arrive within hours once the site releases them. Payouts to a card can take several working days because they travel through the card network. Bank transfers vary with the banks involved and stop over weekends and public holidays. A quoted payout time normally covers only the site's own step, so the full wait is that figure plus the time the chosen method takes.
Many sites pay a withdrawal back through the method used for the deposit, up to the amount deposited. The rule exists to stop money laundering, and it shapes the whole route: a deposit made by card may come back to that card, while winnings above the deposit travel by bank transfer. A method that accepts deposits but cannot receive payouts leaves the player waiting for a second route to be set up. The payments page usually lists which methods work in both directions.
During the pending period the player can often reverse the request back to the balance, and some casinos prompt players to do so and keep playing.
A quoted time normally covers only the casino's own step; wallets and crypto then take hours, cards several working days, and bank transfers pause over weekends.
Daily, weekly and monthly withdrawal limits cap what leaves the account, so a big win may arrive in parts over many weeks.
Anti money laundering rules often send payouts back through the deposit method up to the amount deposited, with winnings above that going by bank transfer.
The casino may charge for some methods or frequent withdrawals, and the payment provider or bank may deduct its own fee on top.