Interac at online casinos lets you skip the bank’s red tape and transfer funds between your account and your gaming balance in minutes. It’s just as secure, backed by bank-level encryption and a track record built on trust since 1984.
Stats from recent years show that 88% of Canadians have used Interac e-Transfer at some point, with over 6.5 billion Interac Debit transactions in 2023. After personally using Interac as a Canada online casino payment method, here is what you need to know.
Using Interac at Online Casinos
Interac is as Canadian as it gets, a homegrown payment system that lets you send money or pay straight from your bank account without any third party involved. It works with over 250 banks and credit unions, including RBC, TD, Scotiabank, BMO, and CIBC.
Out of all Interac’s solutions, e-Transfer is the one you’ll see the most at Canadian online casinos. You get to deposit and withdraw straight through your bank’s online system. The main advantage here is that transactions move much faster than traditional wire transfers, with deposits going through instantly and withdrawals usually clearing within a few hours. And you don’t need full banking details to use it. Security is still right up there, with Interac adding its own extra layers on top of your bank’s encryption, two-factor authentication, and fraud detection.
Interac also runs its own debit payment network. The bank issues a debit card linked to your account that you can use for shopping online or in stores. But don’t go punching in the 16-digit number and CVV in other payment methods like Visa or Mastercard. It won’t work since they’re on completely different systems. Instead, the online casino must support Interac Online. Still, withdrawals would often need to happen via e-transfer.
As for fees, Interac charges financial institutions for each transfer, so nothing comes out of your pocket. From the bank’s side, it depends. I’ve had TD take $0.50 on deposits up to $100 and $1 for anything higher, while CIBC goes with $1.50. Withdrawals are usually free, nine times out of ten.
Interac Casinos at a Glance
There are plenty of online casinos in Canada that accept Interac. I’ve lined up the top seven based on my experience and stacked them up against each other on limits, speed, and fees.
| Casino Name | Min Deposit | Cashout Limit | Payout Speed | Fees |
|---|---|---|---|---|
| BetMGM | $10 | $25,000 | 3-5 business days | No |
| SlotsMagic | $10 | $50,000 (upon request) | 24 hours | No |
| PlayOJO | $10 | No limit | A few hours | No |
| Caesars Palace | $10 | $25,000 | 1-24 hours | No |
| DraftKings | $5 | $10,000 | 1-3 days | No |
| Spin Genie | $10 | $50,000 (upon request) | 24 hours | No |
| Wildz Casino | $10 | Up to €100,000 per month | 24 hours | No |
Banking options and the fine print around deposits and withdrawals may vary across Canadian provinces. Make sure to check the site’s terms, and if anything’s unclear, just hit up support.
Do You Need to Create an Interac Account?
No, you don’t need a separate account. If your Canadian bank or credit union supports Interac e-Transfer, you’re all set.
Depositing at Online Casinos Using Interac
Depositing at an online casino with Interac is super easy and usually takes me just a couple of minutes. Here’s how to get started.
- Login to your chosen online casino that supports Interac.
- Head over to the cashier section and select Interac e-Transfer as your deposit method.
- Enter the amount you want to deposit along with your email address.
Most Canadian online casinos let you pick between Pay by Bank and Interac e-Transfer.
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Option 1: Interac e-Transfer (Manual Method)
When I went with Interac e-Transfer, I instantly saw the following details laid out:
- A recipient name and email address (or mobile number) to send the money.
- A reference code (some casinos ask you to enter this in the message field).
- A security question and answer.
Then I logged into my online banking app, headed to e-Transfer—typically under ‘Send Money’ or ‘Transfers’—and entered the details exactly as shown.
When I was ready, I double-checked everything and hit Send.
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Option 2: Pay by Bank (Automatic Method)
I went with a manual method, but if going automatic, here’s what to do.
Choosing Pay By Bank does most of the work for you. The casino pulls up a list of Canadian banks and credit unions. Pick yours, and it’ll take you straight to the bank’s login page.
From there, sign in with your online banking username and password. It’s all secure, and none of your info gets shared with the casino. You’ll then see the deposit details already filled in (amount, recipient, etc.).
Make sure to double-check everything from top to bottom and approve it like any other online payment.
Within a few seconds, you’ll get a confirmation email from your bank, and the casino will send another one once the funds are in your account.
Withdrawing from Online Casinos Using Interac
Withdrawing with Interac works the same way, just in reverse. All I had to do was the following:
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I went to the casino’s withdrawal section and selected Interac e-Transfer.
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I entered the amount I wanted to withdraw, which was $50 in my case.
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I provided my email address (this is where you’ll receive the withdrawal request).
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I waited for the casino to process and approve my withdrawal.
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I received an email or SMS notification from Interac (sent from [email protected]) informing me that my funds were available.
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I clicked the link in the notification, selected my financial institution, logged in, and chose the account to deposit the funds.
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Funds were then deposited directly into my account. In my case, it only took about 10 minutes.
You can set up Interac e-Transfer Autodeposit if you want casino withdrawals to go straight into your bank account without having to click a link or answer a security question.
It’s also very important to understand the casino’s specific withdrawal rules before cashing out. Interac itself is quick, but the gambling site’s own review process can take some time depending on their policies. PlayOJO and BetMGM are among the fastest withdrawal casinos, often handling requests within a few hours.
Canadian casinos set their own limits for Interac withdrawals, so it’s worth keeping in mind to stay within range. Don’t stress too much over it, though. If you slip up, they’ll flag it instantly and prompt you to adjust it right then and there.
One thing I always do is double-check that all wagering requirements are met after claiming a promo. If you try to cash out too early, the casino could cancel your bonus or block the request while processing.
Interac Security & Safety
Interac is one of the safest ways to pay in Canada since it runs through your bank’s online system, meaning no card details or account numbers ever reach the casino. Everything’s encrypted and monitored for fraud, and most institutions add extra security like two-factor authentication. If anything ever goes wrong, transactions are fully traceable, and your bank can step in to investigate or reverse anything unauthorized.
Of course, there’s plenty you can do to yourself to make things even safer. Here are my top seven tips:
- Beware of Phishing Emails & Messages – If you get an email saying “Your withdrawal is delayed, click here to fix it”, verify it by logging into the casino directly instead of clicking links.
- Check for Fake Casino Lookalike Sites – Some scammers clone casino websites to steal login details. Make sure to always verify the URL before entering credentials.
- Set Up Bank Transaction Alerts – Enable real-time SMS or email alerts from your bank to get notified of any Interac transaction instantly.
- Use a Separate Email for Gambling – I recommend setting up a separate email just for casino transactions to avoid spam and phishing attempts.
- Don’t Screenshot or Share Transaction Details – Never post or send screenshots of your Interac payment confirmations, as scammers may try to use them for fraud.
- Lock Your Banking App – Enable biometric login (fingerprint/Face ID) or set an extra PIN for your banking app in case your phone is lost or stolen.
- Use a VPN on Public Wi-Fi – If you’re depositing or withdrawing at a casino while on public Wi-Fi, use a VPN to prevent data interception.
Alternative Banking Methods Similar to Interac
Interac is a great choice for deposits and withdrawals, but it’s not the only way to move money at online casinos. Check out the table below for other options and what they offer.
| Payment Option | Best Features |
|---|---|
| Visa/Mastercard | Widely accepted, instant deposits, strong fraud protection |
| PayPal | Fast deposits/withdrawals, no need to share sensitive details |
| Skrill | Instant deposits, high withdrawal limits, VIP perks |
| Crypto (Bitcoin, Ether, etc.) | Fastest withdrawals, decentralized, no banking restrictions |
| Interac e-Transfer | Prepaid, no bank link needed, great for budgeting |
| ecoPayz | Accepted worldwide, instant transfers, low fees |
Troubleshooting Interac Casino Payments
Interac deposit not going through
If your deposit doesn’t go through, your bank might be blocking gambling transactions, or the casino’s recipient email and reference number could be off. First thing I’d do is double-check the details, make sure your bank allows gambling payments, and if everything looks right, reach out to casino support with proof of payment to sort it out.
Withdrawal delays
Interac e-Transfer withdrawals are pretty quick, but casinos still need time to run their checks. The best thing to do is go through the T&Cs—usually linked in the footer—so you know what to expect instead of going back and forth for no reason.
If it’s taking longer than it should, your account might still need a verification document, or maybe you used a different deposit method earlier, which can slow things down. Your best bet is once again to clear it out with customer support.
Interac e-Transfer limits interfering with transactions
Even if a casino allows a large deposit or withdrawal, your bank may have lower daily, weekly, and/or per-transaction caps, which can prevent transactions from going through.
To fix this, log into your online banking and check your e-Transfer limits under the transfer settings. Some banks allow increases upon request, but if that’s not possible, the only solution is to split the transaction into multiple smaller transfers over several days.
Not receiving Interac withdrawal emails
If you’re expecting a withdrawal but don’t get an email from [email protected], check your spam or junk folder. If it’s not there, your bank may have flagged it as suspicious or blocked casino-related e-Transfers. Whitelisting Interac’s email or calling your bank to check for blocks can resolve this.
Pros & Cons of Using Interac at Canadian Online Casinos
Cons:
- Some banks may block gambling-related transfers
- No international use, Canada-only
- Bank limits may block large transactions
Pros:
- Widely accepted at Canadian casinos
- Bank-grade encryption for high security
- Much faster than traditional wire transfers
- No need to share sensitive details
- Minimal fees
Interac Online Casino FAQs
Yes, Interac casinos are legal in Canada. Some are licensed locally by the Alcohol and Gaming Commission of Ontario (AGCO) or the Kahnawake Gaming Commission, while others operate offshore under regulations from places like Malta and Curacao.
Minimum deposits vary, but most Interac casinos require at least $10 to $20 per transaction. Banks themselves typically don’t set any minimum thresholds.
An Interac e-transfer takes about 30 minutes to complete. But you still need to factor in the casino’s internal processing period, which can take anywhere from an hour up to 48 on average.
Neither online casinos nor Interac usually charge fees. If you notice a small amount missing, like $0.50 or $1, it’s probably your bank’s fee for processing the transaction.
If your Interac transaction gets declined, double-check that you entered the right recipient details and that the casino doesn’t have specific payment instructions that you’re missing. Your bank might also be blocking gambling transactions, so it’s worth reaching out to support to confirm. And make sure you haven’t hit your daily Interac limit—going over it will stop the transaction from going through.
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