Short version: Memo Casino is a real, licensed operator - it holds an active Curaçao Gaming Authority licence, reference OGL/2024/1121/1020. But it is not UKGC-licensed, and the United Kingdom is a Restricted Country in Memo's own Terms (clause 4.5). So it is not a scam in the "takes your money and vanishes" sense. It is a legal offshore casino that, for a UK player, carries risks a domestic one wouldn't. I read the Terms line by line before writing a word of this. Here is what I found.
Legit, but that word is doing a lot of work
People searching "is Memo Casino a scam" usually want a yes or a no. The honest answer is neither, and I'd be lying to you if I pretended otherwise.
The operator exists on paper, the licence number checks out in the Terms, and the site runs games from names you'll recognise. Evolution powers the live tables, while BGaming and Playson fill the slot lobby. That is not the profile of a fly-by-night clone. But "licensed" and "safe for you specifically" are two different claims, and the gap between them is exactly where a UK reader gets caught. Memo advertises to UK searchers, ranks for "memo casino uk", and then, buried in clause 4.5, tells you real-money play from the UK isn't allowed. Both things are true at once. That contradiction is the whole story on this page.
Who actually owns Memo Casino?
The operator is IntellogixSoft B.V., a Curaçao company, registration number 164650, based at Schottegatweg Oost 10 in Willemstad. Payments run through a separate Cyprus entity, IntellogixSoft Solutions Limited, registration HE 451682, in Limassol. The internal operating currency is the euro, and the site's own copyright reads memocasino.com 2026.
Two companies, two jurisdictions, one brand. That split (the gaming licence in Curaçao, the money-handling arm in Cyprus) is completely normal for offshore operators. It isn't a red flag on its own. What it does mean is that if a dispute goes wrong, you're chasing a Curaçao licensee and a Cypriot payments firm, not a company you could take to a UK small-claims court. Worth knowing before you deposit.
What the Curaçao licence protects, and what it doesn't
A Curaçao Gaming Authority licence is a real thing. It means the operator has been registered under the jurisdiction's 2024 licensing regime and is, in principle, answerable to that regulator. Games should run on tested RNGs, and Memo does publish a Fairness and RNG page, which is more than some of its peers bother with.
Here's the catch, and it matters more than the licence itself. A Curaçao licence gives you far less than a UKGC one does. Compare the two honestly:
| Protection | UKGC-licensed casino | Memo Casino (Curaçao) |
|---|---|---|
| Player funds ring-fenced | Required, with published tier | Not guaranteed |
| Connected to GAMSTOP self-exclusion | Mandatory | No |
| Independent UK dispute route | Yes (UKGC-approved ADR) | No (CADRE only, based offshore) |
| Advertising rules (ASA/CAP) | Enforced | Not applicable to you |
| Legal to play from the UK | Yes | No (clause 4.5) |
The licence protects the operator's right to run a casino. It does not wrap a UK player in the safety net you'd get at a Gibraltar or UKGC shop. If your withdrawal stalls, there is no UK ombudsman to call.
Safety signals: the numbers moved the wrong way
I lean on casino.guru's complaint threads here - not as an endorsement, but as documented evidence of what real players reported. Their Safety Index for Memo sat around 8.0 ("high") in one April 2026 snapshot, then got downgraded to roughly 6.3 ("below average") in more recent complaint-page snapshots. A safety score sliding by nearly two points in a few months is the sort of trend I watch closely. It rarely reverses quickly.
What sits behind that downgrade is the part that should give a UK reader pause. The documented complaints follow a pattern: deposits accepted, then the account frozen or disabled; withdrawals delayed for a week or more; in one case a UK player reported depositing around £8,500 into a casino they believed was UK-regulated, and getting only £407 back weeks later. casino.guru's own summary is blunt: the casino does not allow UK players to play for real money despite advertising otherwise, and UK accounts have been closed after deposits landed.
That's the mechanism. You deposit, you play, and if you win, the same clause 4.5 that "restricts" the UK gives the operator grounds to void the lot.
The Trustpilot picture
Trustpilot for this brand is thin and noisy, which is itself a signal. Offshore casinos with a web of mirror domains (memo-uk.com, memocasino.co.uk, thememocasino.com and a dozen others) scatter their reviews across look-alike listings, so no single page gives you a clean read. Treat any glowing five-star cluster on an unfamiliar mirror with suspicion. I couldn't verify a consolidated, authentic Trustpilot score I'd stake a verdict on, so I won't pretend one exists.
The clauses that made me wince
Reading the Terms is where the real character of a casino shows. Three clauses stand out, and none of them are illegal. They're just heavily tilted toward the house.
- Dormant-account confiscation (clause 9). Go inactive for 12 months and Memo charges €10 a month. Stay inactive for 30 months and your remaining balance is confiscated outright. Forget you have €80 sitting there and, given enough time, it's gone.
- Big wins throttled (clause 7.13). Any win above €10,000 is paid in monthly instalments of at most €10,000. Hit a €40,000 jackpot and you're waiting four months for the full sum, assuming nothing else trips.
- Advantage-play forfeiture. Bonus abuse, "irregular" betting patterns, or anything the operator reads as advantage play can void winnings. On an offshore licence, that judgement call sits with them.
Add the AML rule that you must play through active deposits at least three times before any withdrawal (clause 7.6), and the picture is a casino that is easy to pay into and slow to pay out of.
The green flags, in fairness
It would be dishonest to list only the bad. A few things Memo does right:
There's a published Fairness and RNG page, a documented self-exclusion tool, and a named dispute body, CADRE, for escalation, which beats an operator that gives you nothing but a support email. Live chat runs 24/7, and the KYC process, while it can retain funds if you go silent for two weeks, is at least spelled out rather than hidden. These don't cancel the risks. They do tell you this is a functioning operator with some process behind it, not a pure grab-and-run.
The verdict, split two ways
If you're in the UK: I can't recommend it, and it isn't close. You're barred by clause 4.5, you have no UKGC protection, no GAMSTOP link, and the documented pattern is UK deposits followed by closed accounts and withheld winnings. If you want to gamble, a UKGC-licensed site gives you real recourse. The alternative here is depositing into a casino that, by its own Terms, shouldn't be taking your money.
If you're outside the UK and in a country Memo actually serves: it's a legitimate licensed casino with a decent game library and a below-average, sliding safety score. Read clause 7.13 and clause 9 first, keep wins under the €10,000 monthly ceiling in mind, and never leave a dormant balance. Go in eyes open, or don't go in.
Published 28 July 2026. Last updated 28 July 2026. I'll revisit the safety score if casino.guru's index shifts again.
Is Memo Casino a scam?
No, not in the strict sense. It holds an active Curaçao licence (OGL/2024/1121/1020) and runs real games from Evolution, BGaming and others. But its safety score has been downgraded to around 6.3, and there are documented complaints of withheld withdrawals and closed accounts - especially involving UK players. It's a legal but risk-laden operator, not a clean vanish-with-your-cash con.
Who owns Memo Casino?
The operator is IntellogixSoft B.V., a Curaçao company (registration 164650). Payments are handled by a separate Cyprus entity, IntellogixSoft Solutions Limited (registration HE 451682, Limassol). The gaming licence is Curaçao; the money-handling arm is Cypriot.
Is Memo Casino safe for UK players?
No. The UK is a Restricted Country under Memo's own Terms (clause 4.5), so you're barred from real-money play. There's no UKGC licence, no GAMSTOP connection, and no UK dispute route. Documented complaints show UK deposits followed by account closures and unpaid winnings. For UK players, a UKGC-licensed casino is the safer choice by a wide margin.
Does Memo Casino have a UK licence?
No. Memo Casino holds only a Curaçao Gaming Authority licence (OGL/2024/1121/1020). It has no UK Gambling Commission licence, which means none of the UKGC protections - ring-fenced funds, GAMSTOP, an approved dispute body - apply to you.