Please read these Terms and Conditions carefully before using the citi99 platform. By accessing or using citi99, you confirm that you have read, understood, and agree to be bound by these terms in their entirety.
At a Glance
The sections below provide a full legal account of your rights and obligations as a citi99 user. These cards summarize the most important points — they do not replace the full terms.
You must be at least 21 years of age and a resident of Indonesia to register and use citi99. Underage gambling is strictly prohibited. citi99 reserves the right to request identity verification at any time and to suspend any account where age requirements cannot be confirmed.
Each individual may hold only one citi99 account. Duplicate accounts are a breach of these Terms and may result in immediate suspension of all associated accounts and forfeiture of balances. Accounts are non-transferable and may not be shared with any third party.
All transactions on citi99 are processed in Indonesian Rupiah (IDR). Supported methods include bank transfers via BCA, BRI, BNI, Mandiri, CIMB Niaga, BSI, and Bank Permata, as well as e-wallets including OVO, DANA, GoPay, ShopeePay, and LinkAja. Minimum withdrawal is subject to the current limits displayed in your account dashboard.
All bonuses and promotional credits are subject to wagering requirements before withdrawal. The specific multiplier, eligible games, and time limit for each bonus are stated in the individual promotion terms. Attempting to abuse bonus terms may result in cancellation of the bonus and, in serious cases, suspension of the account.
Identity and age verification (Know Your Customer — KYC) is mandatory before any withdrawal is processed. Accepted documents include a national identity card (KTP) or a valid passport. Providing false documentation is a serious breach of these Terms and will result in permanent account closure and reporting to relevant authorities.
These Terms are governed by the laws of the jurisdiction under which citi99 holds its international gaming license. Any dispute that cannot be resolved through citi99's internal dispute-resolution process shall be referred to binding arbitration under the rules of that licensing jurisdiction. Indonesian consumer protection principles are applied where relevant.
In these Terms and Conditions, the following expressions shall have the meanings assigned to them below unless the context requires otherwise:
| Term | Meaning |
|---|---|
| "Platform" | The citi99 website accessible at https://citi99.app, including all sub-pages, services, games, and features made available thereon. |
| "citi99", "we", "us", "our" | The operator of the Platform, a company incorporated under an internationally recognized gaming licensing jurisdiction and operating the citi99 brand. |
| "User", "you", "your" | Any individual who accesses, registers on, or uses the Platform in any capacity. |
| "Account" | The personal account created by a User upon successful registration on the Platform. |
| "Balance" | The total of real-money funds held in a User's Account, denominated in Indonesian Rupiah (IDR). |
| "Bonus Funds" | Promotional credits, free bets, free spins, or other non-cash incentives credited to a User's Account subject to wagering requirements. |
| "KYC" | Know Your Customer — the identity and age verification process required before withdrawals are processed. |
| "Prohibited User" | Any person who is under 21 years of age, is not a resident of Indonesia, or is otherwise ineligible under Section 3 of these Terms. |
| "Terms" | These Terms and Conditions, as amended by citi99 from time to time in accordance with Section 15. |
By accessing the Platform, creating an Account, making a deposit, placing a bet, or otherwise using any feature of citi99, you confirm that:
Important: If you do not agree to these Terms in their entirety, you must immediately cease accessing and using the Platform. Continued use of the Platform following any amendment to these Terms constitutes acceptance of the revised Terms.
Use of the Platform is restricted to individuals who satisfy all of the following criteria at the time of registration and at all times thereafter during which their Account remains active:
citi99 reserves the right to verify eligibility at any time and to suspend or permanently close any Account where eligibility requirements are not met or can no longer be confirmed. Where an Account is closed for eligibility reasons, any Balance attributable to deposits made while ineligible may be withheld pending investigation.
To access the full range of Platform features, including deposits, withdrawals, and game play, you must register an Account. When registering, you are required to provide accurate, current, and complete information, including your full legal name, date of birth, residential address in Indonesia, a valid email address, and a contact phone number.
One account per person: Each individual may register and maintain only one Account on the Platform. citi99 uses automated detection methods and manual review to identify duplicate accounts. Where duplicate accounts are identified, citi99 may, at its sole discretion: (a) merge the accounts; (b) suspend or permanently close one or more accounts; (c) forfeit any Bonus Funds associated with the duplicate account; and (d) withhold any winnings generated from a duplicate account pending investigation.
Account security: You are solely responsible for maintaining the confidentiality of your login credentials. citi99 strongly recommends using a unique, complex password and enabling any two-factor authentication options available in your account settings. You must notify citi99 immediately if you suspect unauthorized access to your Account. citi99 is not liable for any losses arising from unauthorized access where you have failed to take reasonable steps to protect your credentials.
Note: Accounts are personal and non-transferable. You may not sell, assign, gift, pledge, or otherwise transfer your Account or any Balance therein to any other person. Any attempt to do so constitutes a material breach of these Terms.
In accordance with our licensing obligations and international anti-money-laundering standards, citi99 requires all Users to complete identity and age verification before any withdrawal request is processed. This process may also be triggered at any time during the lifecycle of your Account at citi99's discretion.
Accepted identity documents include:
In addition to identity documents, citi99 may request proof of address (such as a recent utility bill or bank statement issued within the last three months showing your Indonesian residential address) and proof of payment method (such as a screenshot of the sending bank account or e-wallet confirming that the account is registered in your name).
Providing false, altered, or borrowed documentation is a serious breach of these Terms. citi99 will permanently close the Account, forfeit all associated balances, and report the matter to relevant authorities where legally required to do so.
All deposits are processed in Indonesian Rupiah (IDR). citi99 accepts deposits via the following methods:
The minimum deposit amount and any applicable processing times are displayed in the cashier section of your Account at the time of the transaction. These figures may be updated by citi99 from time to time. Deposits must originate from a payment method registered in your own name — third-party deposits are strictly prohibited and may result in Account suspension and return of funds.
citi99 does not charge fees on deposits; however, your bank or e-wallet provider may apply their own charges. citi99 is not responsible for any such third-party fees. Deposits are generally credited to your Account within the timeframe displayed in the cashier; if a deposit has not been credited after the stated processing time, you should contact our support team with your transfer receipt or transaction reference.
Anti-money laundering: citi99 operates strict anti-money-laundering controls. Deposits that cannot be matched to a verified User account or that exhibit patterns consistent with money laundering or fraud will be frozen pending investigation. citi99 reserves the right to return suspected funds to their source without prior notice.
Withdrawal requests may only be submitted to a payment method registered in your own name. citi99 does not process withdrawals to third-party accounts under any circumstances. Supported withdrawal methods mirror those available for deposits: BCA, BRI, BNI, Mandiri, CIMB Niaga, BSI, Bank Permata, OCBC NISP, OVO, DANA, GoPay, ShopeePay, and LinkAja.
citi99 targets processing of withdrawal requests within one (1) hour of submission for requests received during standard WIB (Western Indonesia Time, UTC+7) operating hours, subject to the completion of any outstanding KYC requirements. Withdrawal requests that trigger additional verification checks may take longer. E-wallet withdrawals to OVO, DANA, and GoPay are typically settled within thirty (30) minutes under normal operating conditions.
The following conditions must be satisfied before a withdrawal is processed:
citi99 reserves the right to request additional documentation before processing any withdrawal where there are reasonable grounds to suspect fraud, money laundering, or a breach of these Terms. In such cases, citi99 will notify the User and provide guidance on the documentation required.
citi99 offers a range of bonuses and promotional incentives to both new and existing Users. The availability, value, wagering requirements, eligible games, and expiry dates of each individual promotion are stated in the specific promotion terms published alongside each offer. In the event of any conflict between a specific promotion's terms and these general Terms, the specific promotion terms shall prevail.
The following general conditions apply to all bonuses and promotions unless a specific promotion's terms expressly state otherwise:
Seasonal promotions: citi99 regularly runs promotions tied to Indonesian cultural occasions — including Idul Fitri / Lebaran, Ramadhan, Chinese New Year (Imlek), and Indonesian Independence Day (17 August) — as well as major sporting events including BRI Liga 1, the Piala AFF, the Champions League, and the FIFA World Cup. Specific terms for each seasonal promotion are published on the promotions page.
By placing a bet or participating in any game on the Platform, you agree to the specific rules governing that product. General rules applicable across all products are as follows:
The following conduct is strictly prohibited on the Platform. Engaging in any prohibited conduct may result in immediate Account suspension, permanent closure, forfeiture of balances, and referral to law enforcement authorities where applicable:
citi99 is committed to promoting safe and responsible gambling. We provide a suite of tools to help you stay in control of your gambling activity. These tools are accessible directly from your Account dashboard:
If you believe your gambling is becoming a problem, we encourage you to visit our Responsible Gaming page or contact our support team, who can assist you in activating any of the above tools. citi99 strictly enforces the 21+ age requirement and will never market to individuals who have self-excluded.
All content on the Platform — including but not limited to the citi99 brand name, logo, domain, design, software, graphics, text, game interfaces, and promotional materials — is the intellectual property of citi99 or its licensors and is protected by applicable intellectual property laws.
You are granted a limited, non-exclusive, non-transferable, revocable license to access and use the Platform for personal, non-commercial gaming purposes only. You may not copy, modify, reproduce, distribute, create derivative works from, publicly display, or commercially exploit any content from the Platform without the express prior written consent of citi99. This license terminates immediately upon closure of your Account or breach of these Terms.
To the fullest extent permitted by applicable law, citi99 excludes all liability for:
Nothing in these Terms excludes or limits citi99's liability for fraud, fraudulent misrepresentation, death or personal injury caused by negligence, or any other liability that cannot be excluded by law. citi99's total aggregate liability to any User in connection with these Terms, however arising, shall not exceed the total amount deposited by that User in the twelve (12) months immediately preceding the event giving rise to the claim.
Risk warning: Gambling involves financial risk. You may lose all funds you deposit. Never gamble with money you cannot afford to lose. If gambling is causing financial or personal harm, please visit our Responsible Gaming page immediately.
citi99 collects, processes, and stores personal data in accordance with our Privacy Policy, which forms part of these Terms and is incorporated herein by reference. By registering an Account, you confirm that you have read and understood the Privacy Policy and consent to the processing of your personal data as described therein.
In summary, citi99 collects personal data for the purposes of Account management, KYC compliance, fraud prevention, customer support, and (where you have opted in) marketing communications. citi99 does not sell personal data to third parties. Data may be shared with our licensing authority, payment processors, and identity verification service providers where necessary to fulfil our legal and contractual obligations.
citi99 reserves the right to amend these Terms at any time. Where a material amendment is made, citi99 will provide Users with at least seven (7) days' prior notice by posting a notice on the Platform and, where practicable, by sending a notification to the email address registered on your Account.
Your continued use of the Platform after the effective date of any amendment constitutes your acceptance of the revised Terms. If you do not accept the revised Terms, you must close your Account and withdraw any available Balance before the effective date of the amendment. citi99 will process such withdrawal requests on a priority basis.
These Terms and any dispute or claim arising out of or in connection with them (including non-contractual disputes or claims) are governed by and shall be construed in accordance with the laws of the jurisdiction in which citi99 holds its international gaming license.
Internal dispute resolution: In the first instance, any dispute should be submitted to citi99's customer support team. citi99 will acknowledge the dispute within twenty-four (24) hours and aims to provide a substantive response within five (5) business days. The support team has full authority to review account activity, reverse erroneous transactions, and apply appropriate remedies.
Escalation: If the dispute is not resolved to your satisfaction through the internal process, you may escalate the matter to citi99's licensing authority in accordance with its published escalation procedures. The decision of the licensing authority's dispute resolution body is final and binding on both parties.
Indonesian consumer protection principles are applied in the interpretation of these Terms where they relate to the rights of Indonesian resident Users, consistent with citi99's commitment to serving the Indonesian market responsibly.
If you have any questions about these Terms, wish to raise a complaint, or need to contact citi99 for any reason related to your Account or use of the Platform, please reach out to our support team:
Email: [email protected]
Support hours: 24 hours a day, 7 days a week (Indonesian-speaking agents available at all times)
Live chat: Available directly within your Account dashboard after login
Response time: Email queries are typically answered within 24 hours; live chat responses are immediate during staffed hours (WIB, UTC+7)
For matters related to responsible gaming tools, self-exclusion, or problem gambling support, please visit our Responsible Gaming page where dedicated resources and direct contact options are available.
Now that you're familiar with our Terms and Conditions, explore everything citi99 has to offer — from live casino and slots to a full Indonesian sportsbook covering BRI Liga 1 and every major international league.
Adults only (21+). Gambling involves financial risk — only wager what you can afford to lose. Visit Responsible Gaming for self-exclusion tools and support resources.