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 operator, checked against the account, sent through a payment processor and finally credited by the bank or wallet. Most delays people report sit in one of these stages, and the conditions usually say which one.
Processing time depends on the method far more than on the operator. Electronic wallets and many crypto payments arrive within hours once the operator releases them. Payouts to a card can take several working days because they travel through the card network. Bank transfers vary with the banks involved and stop over weekends and public holidays. A quoted payout time normally covers only the operator's own step, so the full wait is that figure plus the time the chosen method takes.
Most operators hold a new withdrawal in a pending state for a fixed period before anyone looks at it. The period ranges from a few hours to several days, and during it the player can often cancel the request and return the money to the balance. Some operators use that window to invite a reversal with a prompt to keep playing. Reading the pending rule before the first withdrawal shows how long the money will sit before the real processing starts.
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 operator 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 conditions state the operator's part, and the payment processor's price list states the rest.
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.
During the pending period the player can often reverse the request back to the balance, and some casinos prompt players to do so and keep playing.
When the account and the receiving method use different currencies, a conversion adds another cost to the withdrawal.
Casinos set a minimum each withdrawal must reach, and a balance below that figure cannot leave the account by that method.
The casino may charge for some methods or frequent withdrawals, and the payment provider or bank may deduct its own fee on top.