These Terms & Conditions govern your use of the swip5 platform. Please read them carefully before registering an account or placing any wager. By accessing swip5, you agree to be bound by these terms in full.
This summary highlights the most important points. It does not replace the full terms below — please read every clause carefully.
You must be at least 21 years of age and a resident of Indonesia to register and wager on swip5. Age is enforced through mandatory KYC identity verification on every account. Underage gambling is strictly prohibited.
All transactions on swip5 are denominated in Indonesian Rupiah (IDR / Rp). Accepted channels include BCA, BRI, BNI, Mandiri, OVO, DANA, GoPay, ShopeePay, and LinkAja. Minimum deposit: Rp 50.000.
All promotional bonuses are subject to wagering requirements stated at the time of the offer. Bonuses may not be withdrawn until the applicable rollover condition is satisfied. swip5 reserves the right to void bonuses obtained through misuse.
Each player is permitted to hold only one registered account on swip5. Duplicate accounts will be permanently suspended and all associated funds may be forfeited. Account sharing is strictly prohibited.
swip5 prohibits fraud, collusion, use of automated betting tools, exploitation of software errors, money laundering, and any form of abusive behaviour toward support staff. Violations result in immediate account closure.
swip5 provides self-exclusion, deposit limits, loss limits, and session time tools. We are committed to promoting responsible play. If gambling causes harm, contact our support team immediately or visit the Responsible Gaming page.
In these Terms & Conditions, the following terms carry the meanings set out below unless the context requires otherwise:
2.1 Age Requirement. You must be at least 21 years of age to register an Account or place any Wager on swip5. This is a firm requirement with no exceptions. Creating an Account while underage is a material breach of these Terms and will result in immediate Account suspension and forfeiture of any balance.
2.2 Residency. swip5 operates as an internationally licensed and regulated platform targeting players in Indonesia. By registering, you confirm that you are accessing swip5 from a jurisdiction where doing so is lawful for personal use, and that you bear sole responsibility for compliance with any applicable laws of your place of residence.
2.3 Competence. You must have the legal capacity to enter into a binding contract under applicable law. Individuals who are under court-imposed legal incapacity or who have been declared bankrupt may not register or use swip5.
Gambling is strictly for adults aged 21 and over. swip5 enforces age verification through mandatory KYC. If you are under 21, do not attempt to register. If you believe a minor has accessed your Account, contact support immediately to freeze the Account.
2.4 Excluded Persons. The following categories of individuals are not permitted to register or maintain an Account: (a) current employees of swip5 or any of its affiliates; (b) individuals who have entered into a self-exclusion arrangement with swip5 that remains in effect; (c) individuals who have been permanently banned by swip5 for any reason; and (d) individuals accessing swip5 from jurisdictions where such access is explicitly prohibited.
3.1 Single Account Policy. Each individual may hold only one registered Account on swip5. The opening of duplicate or multiple accounts — whether under the same or different personal details — is strictly prohibited. swip5 reserves the right to merge or permanently close duplicate accounts and to forfeit any balances associated with them.
3.2 Accurate Information. You must provide accurate, complete, and truthful information at the time of registration and must keep that information current throughout your use of swip5. Providing false, misleading, or third-party identity information constitutes a material breach of these Terms.
3.3 Account Security. You are solely responsible for maintaining the confidentiality of your login credentials. swip5 is not liable for any loss or damage arising from unauthorized access to your Account resulting from your failure to safeguard your credentials. You must notify swip5 support immediately if you suspect unauthorized access to your Account.
3.4 Account Non-Transferability. Your Account is personal to you and may not be sold, transferred, or assigned to any third party. Using another person's Account, or allowing another person to use your Account, is strictly prohibited.
3.5 Indonesian Players. For players registering from Indonesia, all account-related communications will be available in English. Indonesian-speaking support agents are available during WIB business hours via Live Chat and WhatsApp to assist with the registration and verification process.
4.1 Verification Requirement. swip5 requires all Players to complete identity verification before processing any withdrawal request. Verification may also be required prior to accessing certain features or promotions at swip5's discretion.
4.2 Required Documents. For Indonesian Players, verification typically requires:
4.3 Processing Time. KYC submissions are reviewed within one (1) to three (3) business days. Players will be notified by the on-platform notification system whether verification is approved, pending further documents, or declined.
4.4 Right to Request Further Information. swip5 reserves the right to request additional documentation at any time in accordance with applicable anti-money laundering obligations, fraud prevention procedures, or regulatory requirements.
No withdrawal will be processed to an Account that has not completed and passed KYC verification. This policy protects all Players against unauthorized withdrawal attempts from compromised Accounts.
5.1 Accepted Payment Methods. swip5 accepts the following deposit and withdrawal channels: BCA (Bank Central Asia), BRI (Bank Rakyat Indonesia), BNI (Bank Negara Indonesia), Bank Mandiri, OVO, DANA, GoPay, ShopeePay, and LinkAja. All transactions are denominated in Indonesian Rupiah (IDR / Rp).
5.2 Minimum and Maximum Amounts. The minimum deposit via bank transfer is Rp 50.000. The minimum deposit via e-wallet is Rp 20.000. Maximum deposit limits are subject to your bank account tier and individual Account limits set by swip5. swip5 reserves the right to adjust these limits without prior notice.
5.3 Deposit Processing. Deposits via BCA, BRI, BNI, and Mandiri during Indonesian banking hours (generally Monday to Friday, 08:00–15:00 WIB) are typically reflected in your Account balance within five (5) minutes of successful bank transfer confirmation. Off-peak deposits may require up to twenty-four (24) hours to process.
5.4 Withdrawal Processing. Withdrawal requests are processed within five (5) to thirty (30) minutes during banking hours following successful KYC verification. Off-peak and weekend withdrawal requests are processed at the next available banking window. swip5 does not impose a withdrawal fee; however, your bank may apply standard inter-bank transfer charges.
5.5 Own Payment Methods. All deposits must be made from payment accounts registered in your own name. Third-party deposits are not permitted. Withdrawals will be returned only to the same bank account or e-wallet used for the originating deposit where technically possible, as a fraud prevention measure.
5.6 Currency. swip5 operates exclusively in Indonesian Rupiah. Any funds received in a different currency will be converted to IDR at swip5's prevailing exchange rate at the time of processing, which may differ from interbank rates.
Your withdrawal bank account name must exactly match the name on your registered swip5 Account and KYC documents. Mismatched names will cause withdrawal rejection and may trigger a security review. Contact support before submitting if your banking name differs from your registered name.
6.1 General Bonus Terms. All bonuses and promotions offered by swip5 are subject to specific terms and conditions communicated at the time of the offer. These Terms provide the overarching framework; promotion-specific pages or messages govern the particular requirements for each individual offer.
6.2 Wagering Requirements. Bonus Funds credited to your Account are subject to a wagering requirement (also referred to as a rollover or playthrough requirement). Unless otherwise stated in the specific promotion, Bonus Funds must be wagered a minimum of the stated multiple before any winnings derived from those Bonus Funds may be requested for withdrawal.
6.3 One Bonus Per Promotion. Promotional offers are available once per eligible Account unless the promotion explicitly states otherwise. swip5 reserves the right to limit promotional participation to one Account per household, IP address, or payment method.
6.4 Bonus Misuse. swip5 reserves the right to void Bonus Funds and any associated winnings where it has reasonable grounds to believe that a bonus has been obtained or used in a manner inconsistent with these Terms, including but not limited to: bonus abuse, matched betting using swip5 promotions in conjunction with external hedging strategies, or systematic exploitation of promotional errors.
6.5 swip5's Discretion. swip5 reserves the right to withdraw, modify, or discontinue any promotional offer at any time without prior notice. Where a promotion has already been accepted by a Player, swip5 will honour the terms of that accepted offer to the extent reasonably practicable.
6.6 Seasonal Promotions. swip5 runs seasonal and event-based campaigns tied to Indonesian cultural occasions including Idul Fitri, Ramadhan, Indonesian Independence Day (17 August), and major sporting events such as BRI Liga 1 season openers and FIFA World Cup qualifiers. Each seasonal campaign carries its own specific terms published in full on the promotional page.
7.1 Finality of Accepted Bets. Once a Wager is accepted and confirmed by the swip5 system, it is binding and may not be amended, cancelled, or reversed by the Player except where swip5's specific in-play cashing-out feature is available and activated by the Player within the permitted window.
7.2 Minimum and Maximum Stakes. All games and betting markets carry minimum and maximum stake limits which are displayed within the relevant game or market interface. swip5 reserves the right to adjust stake limits for individual accounts where unusual betting patterns are detected.
7.3 Errors and Malfunctions. In the event of a technical error, communication failure, or software malfunction that affects the integrity of a game outcome or the settlement of a Wager, swip5 reserves the right to void the affected Wager and return the staked amount to the Player's Account. swip5 is not liable for any loss of anticipated winnings resulting from a voided Wager caused by a technical error.
7.4 Results Settlement. Sports bet results are settled according to official scores and results as published by the relevant governing body (e.g., Liga Indonesia Baru for BRI Liga 1, UEFA for Champions League matches). In cases of result disputes, swip5's determination is final, subject to the formal dispute resolution process in Clause 14.
7.5 Prohibited Betting Strategies. The use of automated betting software, bots, algorithms, or any third-party tool that interacts with the swip5 platform in a non-human manner is strictly prohibited. swip5 reserves the right to suspend accounts and void bets where automated activity is detected.
The following conduct is strictly prohibited on swip5 and will result in immediate Account suspension and potential legal action:
9.1 Ownership. All content on the swip5 platform — including but not limited to the swip5 brand name, logo, software, design, text, graphics, images, game interfaces, and data — is the exclusive property of swip5 or its licensors and is protected by applicable intellectual property law.
9.2 Limited License. swip5 grants you a limited, non-exclusive, non-transferable, revocable licence to access and use the Platform for personal entertainment purposes only, subject to your compliance with these Terms. This licence does not include any right to: reproduce, distribute, modify, create derivative works from, publicly display, or exploit any swip5 content for commercial purposes.
9.3 User Content. By submitting any communication, feedback, or content to swip5 (including via support tickets or community features), you grant swip5 a royalty-free, worldwide, perpetual licence to use, reproduce, and incorporate that content for legitimate platform and operational purposes.
10.1 Data Processing. swip5 collects, processes, and stores your personal data in accordance with its Privacy Policy, which forms part of these Terms and is incorporated herein by reference. By registering an Account, you consent to the data processing practices described in the Privacy Policy.
10.2 Communications. By registering on swip5, you consent to receiving transactional communications (account notifications, deposit confirmations, withdrawal updates, security alerts) via your registered email address and on-platform notifications. Marketing communications are subject to your opt-in preferences manageable within your Account settings.
10.3 Third-Party Data Sharing. swip5 does not sell your personal data to third parties. We may share data with: (a) payment processors for transaction fulfillment; (b) identity verification service providers for KYC; (c) fraud prevention services; and (d) regulatory or law enforcement bodies where required by applicable law.
11.1 Service Availability. swip5 aims to maintain 99.5% platform availability but does not guarantee uninterrupted access. The Platform is provided on an "as is" and "as available" basis. swip5 is not liable for loss of anticipated profits, loss of data, or any indirect or consequential loss arising from platform downtime, technical faults, or third-party service interruptions beyond our reasonable control.
11.2 Gambling Losses. All Wagers are placed at the Player's own risk. swip5 is not liable for gambling losses suffered by any Player. Gambling carries inherent financial risk; Players are responsible for managing their own bankroll and playing within their means. swip5 strongly encourages use of the responsible gaming tools available in the Account settings.
11.3 Cap on Liability. To the maximum extent permitted by applicable law, swip5's total aggregate liability to any Player in connection with any claim arising from use of the Platform shall not exceed the total amount deposited by that Player in the thirty (30) days immediately preceding the event giving rise to the claim.
11.4 Indemnification. You agree to indemnify and hold harmless swip5, its affiliates, and their respective officers, directors, employees, and agents from any claim, loss, damage, liability, or expense (including reasonable legal fees) arising from: (a) your breach of these Terms; (b) your use of the Platform in violation of applicable law; or (c) any third-party claim arising from your conduct on the Platform.
swip5 is an entertainment platform. Never wager funds you cannot afford to lose. If gambling is causing financial hardship, please use our self-exclusion tools or contact our support team. Adults only — 21+ to play.
12.1 swip5's Right to Suspend. swip5 reserves the right to suspend or terminate any Account at any time and without prior notice where it has reasonable grounds to believe that: (a) these Terms have been breached; (b) fraudulent or illegal activity has occurred; (c) the Account poses a risk to the Platform's integrity; or (d) regulatory requirements necessitate suspension.
12.2 Funds on Suspension. Where an Account is suspended pending investigation, swip5 will preserve the Account balance. If the investigation concludes that no violation occurred, the Account will be reinstated and the balance restored. Where a violation is confirmed, swip5 may forfeit Bonus Funds and any winnings derived from breaching conduct, and may return real-money deposits at its discretion after deducting any identifiable losses attributable to the violation.
12.3 Voluntary Closure. You may request closure of your Account at any time by contacting swip5 support. Pending Wagers will be settled in accordance with their stated terms. Remaining real-money balances will be refunded to your verified bank account within the standard withdrawal processing window, subject to KYC verification being current.
12.4 Responsible Gaming Closures. Accounts closed at a Player's request under a self-exclusion arrangement are subject to the specific terms of the Responsible Gaming Policy. Self-exclusions may not be reversed before the elected period expires, regardless of Player request.
13.1 Right to Amend. swip5 reserves the right to amend, update, or replace these Terms at any time. Amendments will be published on this page with an updated Effective Date. Where amendments are material — affecting Player rights or financial terms — swip5 will provide reasonable advance notice via the registered Account email address or an on-platform notification.
13.2 Continued Use as Acceptance. Your continued use of swip5 after the published Effective Date of any amendment constitutes your acceptance of the revised Terms. If you do not agree to the amended Terms, you must stop using the Platform and may request Account closure per Clause 12.3.
13.3 Archival. Superseded versions of these Terms are archived and available upon written request to the contact address in Clause 15.
14.1 Governing Law. These Terms and any dispute or claim arising out of or in connection with them (including non-contractual disputes or claims) shall be governed by and construed in accordance with the laws of the jurisdiction under which swip5 holds its operating licence, as published on the Platform.
14.2 Informal Resolution. In the event of any dispute between you and swip5 arising from your use of the Platform, both parties agree to first attempt resolution through good-faith informal negotiation by contacting swip5 support at the address in Clause 15. The majority of disputes relating to account management, payment processing, or bonus settlement are resolved within five (5) business days through this channel.
14.3 Formal Dispute Process. Where a dispute cannot be resolved informally within fourteen (14) days, either party may escalate the matter to formal dispute resolution proceedings under the rules of the applicable licensing authority. swip5 will cooperate fully with any such process.
14.4 Player Rights. Nothing in these Terms limits or excludes any statutory rights you may have under applicable consumer protection law that cannot be contractually waived. Indonesian Players retain any applicable consumer rights conferred by Indonesian law to the extent those rights are enforceable in relation to this Platform.
For all enquiries relating to these Terms & Conditions, your Account, deposits, withdrawals, KYC verification, bonus claims, or any other matter, please contact the swip5 support team through the following channels:
For privacy-related enquiries specifically, please refer to the Privacy Policy page for the designated data protection contact channel.
For responsible gaming support, self-exclusion requests, or welfare concerns, please visit the Responsible Gaming page or contact support directly. swip5's responsible gaming team is trained to handle welfare-related contacts sensitively and confidentially.
These Terms should be read alongside the swip5 Privacy Policy and Responsible Gaming Policy, both of which form part of the agreement between you and swip5. In the event of a conflict between these Terms and a more specific policy document, the more specific document prevails in relation to its subject matter.
Our FAQ covers the most common questions about registration, deposits, withdrawals, bonuses, and account security. You can also review our Privacy Policy or Responsible Gaming page for more detail on those topics.