How to Deposit at 918Laki with Kina Bank

Kina Bank customers top up 918Laki with an ordinary transfer from their own account. You start on the Deposit page, where you pick Kina Bank and an amount from K10 up, and the page hands you the payment details. Five things then have to match between the page and your transfer: the account, the amount down to the toea, the note, your name and the reference number.

Last updated:

How a Kina Bank top-up works, in short

There is no card to enter and no link between 918Laki and your bank. Think of it like paying a bill. The Deposit page writes out the bill. You pay it from Kina Bank. Then you show the page that you paid.

Because a person or a system has to pair your payment with your request, small details carry a lot of weight. A payment that agrees with the request on every point is paired quickly. A payment that differs on one point has to wait for someone to look at it.

This guide is built around those points. First the five things that must match. Then a walk-through, set out as the questions people ask at each stage. If you bank with BSP, use the BSP deposit guide instead.

The five things that must match

1. The account you pay

Each deposit request comes with its own receiving account, printed on the Deposit page. Your money must go there. Not to an account you used last fortnight, not to one a friend passed on, and not to one sent to you in a chat or on social media.

Treat the account like a bus ticket: good for one trip. When you want to top up again, make a new request and read the account again from the screen. It may be the same. It may not.

2. The amount, down to the last toea

You type the amount you want. The page answers with the amount to send, and that figure may have toea on the end. As an example only: you ask for fifty Kina and the page tells you to send K50.12. In that case K50.12 is what must arrive. Fifty flat would be twelve toea short, and the payment would no longer line up with your request.

People sometimes think the odd toea are an error on the screen. They are put there on purpose so that your payment can be told apart from others of a similar size. Type them in.

If Kina Bank charges you for sending money, that charge is between you and your bank. It must come on top, so the full figure still lands in the receiving account.

3. The note

Next to the amount you will see a transfer note: a single short word. When you send the money, there will be a field for a description, narration or message to the receiver. The word goes in that field, alone.

Spell it letter for letter as the page shows it. No extra text before or after. Not your name, not your mobile number, not a greeting. If your banking method has more than one text field and you are unsure which one the receiver sees, ask Kina Bank, or put the same word in each.

4. Your name

The sending account has to belong to you. The name on it should agree with the full name you gave when you signed up. This is why the joining form tells you to type your name the way your bank has it.

Money sent from a husband's, wife's, parent's or employer's account does not carry your name. It may be held while support asks questions. The same name rule comes back when you cash out, so getting it right now saves trouble twice.

5. The reference number

Kina Bank stamps every completed transfer with a reference number. It appears in the confirmation message or on the receipt. Once you have paid, you give that number to the Deposit page, together with a picture of the receipt.

The number ties the three records together: your request on 918Laki, the transfer in your bank, and the money arriving in the receiving account. A wrong or missing digit breaks the chain, so copy and paste where you can.

Where do I begin?

On your phone, open your browser and go to www.918laki.com. There is nothing to download.

  1. Sign in with Log in, using your mobile number and your password.
  2. Look at the top of the screen. Beside your Balance is a Deposit button. Tap it. Phone users also have a bar along the bottom with Top up amounts and an Other button, which lead to the same place.
  3. From the list of banks, pick Kina Bank.

Cannot get in? The login guide covers a forgotten password and other sign-in trouble. Sort that out first. Never send money while you are logged out, and never to anyone who offers to load your account for you.

How much should I put in?

Anything from K10 upward. The lower and upper limits for Kina Bank are printed on the Deposit page itself, so check them there.

Enter a figure, or tap one of the ready-made amounts. A sensible first top-up is a small one. It lets you see the whole process once without much at stake. Decide the figure before you open the page, based on what is left after the household has what it needs. Gambling money should never be school fee money or food money.

The page will now ask about a bonus. That question gets its own section below.

Should I tick a bonus?

It is up to you. Every top-up can be made with a bonus or with none.

A bonus is extra credit, and extra credit comes with a playing requirement called turnover. Turnover means the sum of all the bets you place, whether they win or lose. Until the required sum has been bet, a withdrawal will not go through. For new players, the Welcome Pack pays 50% extra on a first deposit, up to K50, and that bonus has to be turned over 8 times on pokies. The turnover guide shows the sums with examples, and the Promotions page holds the terms that count.

If you would rather be free to cash out without that extra playing, pick the no-bonus option. Many careful players do this on purpose. The transfer itself is identical whichever you pick.

What do I do inside Kina Bank?

After you confirm, the Deposit page displays the receiving account, the figure to send and the note word. Keep that screen open in one browser tab, or jot the details on paper. Then switch to Kina Bank.

Send the money the way you usually do: the bank's mobile banking, its internet banking, or whatever method you already use to pay other people. This guide does not name Kina Bank's buttons or screens. They belong to the bank and can change, and your method may differ from your neighbour's. Whatever the method, the job is the same.

  1. Choose to pay or transfer to another account.
  2. Key in the receiving account number from the Deposit page. If your bank displays the account holder's name back to you, see that it agrees with the name on the page.
  3. Key in the amount with its toea.
  4. Type the note word into the description field.
  5. Pause. Read the account, the amount and the note against the Deposit page one more time.
  6. Approve the payment and wait for the confirmation.

When the confirmation comes up, capture it. A screenshot is quickest. If you get a text message from the bank, do not delete it. If you paid some other way and hold a printed slip, keep the slip dry and flat.

What do I send back to 918Laki?

Two items: the reference number and the receipt image. Return to the browser tab with the Deposit page.

Entering the reference

Find the box for the reference number and fill it in. Long numbers are easy to mistype, so there is a shortcut. Copy the entire confirmation text message and paste all of it into the box. The page picks the number out for you.

Attaching the receipt

Tap to attach a file and choose your screenshot or photo. Four file types are accepted: JPG, PNG, WEBP and PDF. If the picture is a big one straight from your camera, the page shrinks it before upload, so you need not edit it and it will not cost much data.

A good receipt image shows four things without blur: who was paid, how much, when, and the reference. Crop nothing out. If you photograph paper, avoid shadow and glare.

Sending it

Submit the form. Your part is done. Hold on to the receipt image until you see the credit arrive.

When will I see the money?

The top-up is added once the payment has been confirmed. You will notice it in the Balance figure at the top of the site, and as an entry in your transaction history. Any bonus you ticked is added with it.

We do not print a waiting time here, because it depends on the transfer reaching the receiving account and being paired with your request. What you can rely on is the status in your history. If it has not changed and you are worried, go to the next section. Do not answer a delay by paying again.

What if it still has not arrived?

Take these checks one at a time. Most cases end at the first or second.

Did the transfer really go?

Look in your Kina Bank account. Has the amount been taken out? A payment that failed at the bank never left, so there is nothing for 918Laki to find. In that case your old request will lapse by itself. An unpaid request just expires, at no cost, and you can begin again.

Did you finish the form?

A transfer without a reference number and receipt on the Deposit page is only half a deposit. Open the page or your history and see whether the request is still waiting for them.

Which of the five was different?

Put your receipt beside the request. Go down the five: account, amount, note, name, reference. Be honest with yourself about any that differ. A rounded amount and a missing note are the usual ones.

Talk to support

Open Live chat from the site. Give them the receipt image, the amount, the day and time you paid, and tell them straight away if one of the five was off. With a clear receipt they can trace the payment and credit it by hand. The help page and the Contact page list the other ways to reach the team.

Real support staff do not need your password and will not ask for an SMS code. Anyone who asks for those is not from 918Laki.

A full example from start to end

This is a made-up example to show the order of things. The name, the figures and the note word are invented. Your own page will show different details.

Mary gets paid on Friday. After bills, she sets aside thirty Kina for the weekend. She logs in, taps Deposit, picks Kina Bank and types 30. She chooses no bonus.

In this example the page shows a receiving account, an amount of K30.08 and the note word RIVER. Mary keeps the tab open and switches to her Kina Bank banking. She enters the account number, types 30.08 as the amount and RIVER as the description. She checks all three against the tab and approves.

Her bank confirms and sends a text message. Mary takes a screenshot, copies the text message, and goes back to the tab. She pastes the message into the reference box, attaches the screenshot and submits. Later her Balance shows the thirty Kina, and the entry appears in her history.

What Mary did not do matters just as much. She did not round to thirty flat. She did not add her name after RIVER. She did not use an account from an earlier top-up. And she did not pay again while she waited.

Taking money out again

Winnings and unused balance go back to a bank account in your own name. For Kina Bank customers, the withdraw form asks for an 8-digit account number. The full process, including the lowest amount of K50, is in the withdrawal guide. Reading it before your first top-up is time well spent, because the name rule and the turnover rule both start on the day you deposit.

Short answers for Kina Bank customers

Can I top up 918Laki from Kina Bank?

Yes. Kina Bank and BSP are the two banks the Deposit page offers. Pick Kina Bank, then send a normal transfer from your own account.

Is there a smallest amount?

Yes, K10. The Deposit page prints the lower and upper limits for Kina Bank.

I sent a round figure and left off the toea. Is my money lost?

No, but it will not pair with your request without help. Do not pay again. Send the receipt to Live chat and tell them the figure you sent.

What goes in the description of the transfer?

Only the one-word note from the Deposit page, spelled the same. Nothing before it and nothing after it.

I made a request but changed my mind. Do I owe anything?

No. A request that is never paid expires. You do not have to cancel it.

Can I upload a PDF receipt?

Yes. JPG, PNG, WEBP and PDF are all accepted.

Related guides