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21+ Only The minimum age to register and play on cowins is 21 years old, in full compliance with PAGCOR regulations governing online gaming in the Philippines. We enforce this strictly through date-of-birth verification at registration and KYC identity checks. Any account found to belong to a person under 21 will be immediately suspended and all funds returned. Please play responsibly — cowins is for adults only.

KYC cowins requires standard government-issued identification for KYC verification. Accepted documents include a Philippine passport, SSS ID, UMID, PhilHealth ID, driver's license, or Voter's ID. You may also be asked to provide proof of address such as a recent utility bill or bank statement. Documents must be clear, valid, and show your full name and date of birth. KYC is required before your first withdrawal and is a PAGCOR regulatory requirement.

Important No. cowins strictly allows only one account per person. Creating multiple accounts — whether using different email addresses, phone numbers, or payment methods — is a violation of our Terms & Conditions and may result in permanent suspension of all associated accounts and forfeiture of any balances. If you've forgotten your login details, use the password reset function on the cowins login page rather than creating a new account.

Account If you've forgotten your cowins password, go to the cowins Login page and click "Forgot Password?". Enter the email address linked to your account and we'll send you a password reset link. The link is valid for 30 minutes. If you don't receive the email, check your spam or junk folder. For further assistance, contact cowins support at [email protected] (plain text — not a clickable link).

Payments cowins supports the most popular payment methods available to Filipino players. You can deposit and withdraw using GCash, PayMaya / Maya, debit cards, and bank transfers via BPI, BDO, Metrobank, UnionBank, Landbank, PNB, and Security Bank. All transactions are processed in Philippine Peso (₱). Please note that credit card deposits for gambling are not permitted under current Philippine regulations, and cowins does not accept cryptocurrency of any kind.

Deposits The minimum deposit on cowins varies by payment method. For GCash and PayMaya/Maya, the minimum is typically ₱100. For bank transfers, the minimum is generally ₱500 due to processing requirements. These amounts are designed to be accessible for Filipino players across all income levels. Check the Cashier section of your cowins account for the most current minimum and maximum deposit limits per method.

Withdrawals Withdrawal processing times on cowins depend on the method chosen. GCash and PayMaya/Maya withdrawals are typically processed within 1–3 business hours once approved. Bank transfers to BPI, BDO, Metrobank, UnionBank, and other Philippine banks generally take 1–3 business days. All withdrawals are subject to a security review, and first-time withdrawals require completed KYC verification. Withdrawal requests submitted on weekends or Philippine public holidays may take slightly longer.

Troubleshooting There are several common reasons a cowins withdrawal may be delayed: ( 1) KYC not completed — your identity verification must be approved before any withdrawal can be processed. (2) Active bonus wagering requirements — if you have an active bonus, you may need to meet the wagering requirement first. (3) Security review — unusual account activity may trigger an additional review for your protection. (4) Bank processing times — some Philippine banks have their own internal processing schedules. If your withdrawal has been pending for more than 3 business days, contact cowins support at [email protected].

Fees cowins does not charge any fees on deposits. For withdrawals, cowins also does not impose platform-side fees. However, your bank or e-wallet provider (GCash, Maya, etc.) may apply their own transaction fees, which are outside cowins's control. We recommend checking with your payment provider for their current fee schedule. All amounts are in Philippine Peso (₱).

GCash Yes! GCash is one of the most popular and convenient deposit methods on cowins for Filipino players. To deposit via GCash, go to the Cashier section of your cowins account, select GCash as your payment method, enter the amount in PHP, and follow the on-screen instructions to authorize the transfer through your GCash app. Deposits via GCash are typically credited to your cowins account instantly.

Welcome Bonus cowins offers a welcome bonus for new Filipino players upon their first deposit. The exact bonus amount and terms are displayed on the cowins promotions page and may change periodically. All welcome bonuses are subject to wagering requirements before any winnings can be withdrawn. Make sure to read the full bonus terms in your cowins account before claiming any offer.

Wagering Wagering requirements (also called playthrough requirements) specify how many times you must bet the bonus amount before you can withdraw any associated winnings. For example, a ₱500 bonus with a 20x wagering requirement means you must place a total of ₱10,000 in bets before the bonus converts to withdrawable cash. cowins displays the specific wagering requirement for each bonus clearly in the promotion terms. Always check these before opting in to any cowins bonus offer.

Bonuses Yes, you can forfeit an active bonus from your cowins account settings under the Bonuses section. Be aware that forfeiting a bonus will also remove any bonus-derived winnings that have not yet met the wagering requirement. Once forfeited, the bonus cannot be reclaimed. If you are unsure whether to keep or cancel a bonus, contact cowins support for guidance before making a decision.

Games cowins offers a wide variety of games for Filipino players, including slots, bingo, bingo fishing, callbreak quick, and a full live casino experience. Our game library is regularly updated with new titles from leading providers. Whether you prefer fast-paced slots or the social fun of bingo, cowins has something for every type of player.

Bingo Fishing Bingo Fishing on cowins is a unique hybrid game that combines the excitement of bingo number draws with a fishing-themed visual experience. Players purchase bingo cards and as numbers are drawn, matching numbers on your card are marked. Special fishing-themed bonus rounds can be triggered for extra prizes. It's a fun, easy-to-learn game that's very popular among Filipino players who enjoy both bingo and casual arcade-style gaming.

Fairness Yes. All games on cowins use certified Random Number Generator (RNG) technology to ensure fair and unpredictable outcomes on every spin, draw, or hand. Our games are provided by reputable software providers whose RNG systems are independently tested and audited. cowins operates under PAGCOR's regulatory framework, which includes requirements for game fairness and integrity. You can trust that every cowins game result is genuinely random.

Mobile Absolutely. cowins is fully optimized for mobile play. You can access all games directly through your mobile browser on Android or iOS — no app download required. The cowins mobile experience is designed to work smoothly on popular Philippine mobile devices, whether you're playing from Manila, Cebu, Davao, or anywhere else in the country with a stable internet connection.

Card Games Callbreak Quick is a fast-paced card game available on cowins based on the classic South Asian trick-taking card game. Players bid on the number of tricks they expect to win each round, then compete to meet or exceed their bid. The "Quick" version on cowins is designed for shorter, more dynamic sessions — perfect for Filipino players who enjoy strategic card games but want faster gameplay. It's easy to learn but rewarding to master.

Privacy Yes. cowins takes data security seriously. All personal information you provide is encrypted using industry-standard SSL/TLS technology. We do not sell or share your personal data with third parties for marketing purposes. Your data is handled in accordance with our Privacy Policy and applicable Philippine data protection laws. For full details on how cowins collects, uses, and protects your data, please review our Privacy Policy page.

Security cowins strongly recommends enabling two-factor authentication (2FA) on your account for added security. To set it up, go to Account Settings → Security → Two-Factor Authentication and follow the on-screen instructions. You can use an authenticator app or SMS verification. With 2FA enabled, even if someone obtains your password, they cannot access your cowins account without the second verification step.

Urgent If you suspect unauthorized access to your cowins account, act immediately: (1) Change your password right away via the cowins login page. (2) Enable two-factor authentication if not already active. (3) Contact cowins support at [email protected] to report the incident and request a security review. (4) Check your recent transaction history for any unauthorized activity. cowins's security team will investigate and take appropriate action to protect your account.

Deposit Limits Setting deposit limits is one of the most effective ways to stay in control of your cowins spending. Log in to your account, go to Account Settings → Responsible Gaming → Deposit Limits. You can set a daily, weekly, or monthly limit in Philippine Peso. Limits take effect immediately. If you want to increase a limit, a mandatory 7-day cooling-off period applies. Decreasing a limit takes effect right away. For more details, visit our Responsible Gaming page.

Self-Exclusion Self-exclusion is a tool that allows you to voluntarily block yourself from accessing your cowins account for a set period. It is designed for players who feel their gambling is becoming problematic. To apply, go to Account Settings → Responsible Gaming → Self-Exclusion and choose a period of 6 months, 1 year, or permanent exclusion. Self-exclusion takes effect immediately and cannot be reversed during the chosen period. Gambling is addictive. Know when to stop. If you need support, visit our Responsible Gaming page.

Cooling-Off A cooling-off period is a short-term break from cowins. Unlike self-exclusion, it is designed for players who want a temporary pause — not a long-term block. You can choose a cooling-off period of 24 hours, 7 days, or 30 days. During this time, your cowins account will be suspended and you will not be able to log in or place bets. Cooling-off periods take effect immediately and cannot be cancelled early. They are a great first step if you feel you need a break.

Support Gambling is addictive. Know when to stop. If you or someone you know is struggling with problem gambling, help is available in the Philippines. You can contact the PAGCOR Responsible Gaming Hotline or reach out to mental health and counseling services in your area. cowins also has a dedicated responsible gaming support team — contact us at [email protected] and we will connect you with appropriate resources. You are not alone, and seeking help is a sign of strength. Visit our Responsible Gaming page for more information and tools.

21+ Only Absolutely not. cowins has a strict 21+ age policy and takes underage gambling prevention very seriously. All new registrations require date-of-birth verification and KYC identity checks. Any account found to belong to a person under 21 years of age will be immediately closed and all funds returned. If you are a parent or guardian and are concerned about a minor accessing cowins, please contact our support team immediately. We are committed to keeping our platform safe and compliant with all PAGCOR regulations.