On "currency conversion charges", 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 processor 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.
Withdrawal limits cap how much leaves the account in a day, a week or a month, and a large win may be paid out in instalments over many weeks. Fees appear in two places: the site may charge for some methods or for frequent withdrawals, and the payment processor or bank may deduct its own. Currency conversion adds a third cost when the account and the receiving method use different currencies. The terms state the site's part, and the payment processor's price list states the rest.
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.
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.
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.
Casinos set a minimum each withdrawal must reach, and a balance below that figure cannot leave the account by that method.
Usually a photo document, a recent proof of address and sometimes a picture of the payment card with most digits covered; large sums can prompt a source of funds question.
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.
The casino may charge for some methods or frequent withdrawals, and the payment provider or bank may deduct its own fee on top.
Casinos hold a new request for a fixed period, from a few hours to several days, before anyone starts processing it.