Online Casino Deposits & Payment Methods

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On this page, we’ll review everything you need to know about payment methods at legal online casinos, including all the choices you have for banking options at these sites. It’s a good idea to understand the ins and outs of online casino payments before you sign up at an online casino, as it can be a major factor in convenience and payout speed.

See More: Online Casino Beginner’s Guides

All Online Casino Banking Options

Looking for more details on each available payment method? We’ve got you covered with everything you need to know all in one place, so you can make the best decision. Keep in mind that you should, if possible, deposit with a payment method you’re happy to use for withdrawals.

Payment MethodDeposit MinimumDeposit TimeWithdrawal Method?
Apple Pay Casinos$10InstantYes
Bitcoin CasinosNo MinimumInstantYes
Cash App Casinos$10InstantYes
Credit Card Casinos$10InstantNo
Debit Card Casinos$10InstantYes (at select casinos)
eCheck/ACH Casinos$5-$10InstantYes
Mastercard Casinos$10InstantDebit Only (at select casinos)
Neteller CasinosNot at US casinosN/AN/A
PayPal Casinos$5-$10InstantYes
PayNearMe Casinos$10~15 MinutesNo
Play+ Casinos$5-$10InstantYes
Skrill Casinos$10InstantYes
Venmo Casinos$10InstantYes
Visa Casinos$10InstantDebit Only (at select casinos)
Wire Transfer Casinos$100 - $2,5005 - 7 Business DaysYes ($1,000+ minimum)

Setting deposit limits and cashing out while you’re ahead are crucial components of Responsible Gambling, which is the only way to guarantee safety while depositing and withdrawing at an online casino.

Casino Deposit & Withdrawal Types

PayPal

PayPal is an excellent choice for online casino payments. If you already have a PayPal account, you should have no issue depositing or withdrawing once it’s linked to your online casino account. If you don’t have an account, creating one only takes a few minutes, and you’ll have access to deposits and withdrawals at all real money online casinos in the US.

Visa

Visa is the most dominant type of credit and debit card in the US, so it’s an understandably popular option for online casino payments. We highly recommend that players use a Visa debit card because depositing at an online casino is basically doing a cash transfer. That means Visa credit deposits count as a cash advance, which comes with fees.

Mastercard Casinos

Mastercard is the second most popular debit and credit payment method in the world. After Visa, it has the most prominence everywhere, including online casinos, which is why they all accept Mastercard as a deposit method. Use Mastercard debit to avoid cash advance fees, which come with credit card payments. Mastercard Send is also a withdrawal option that’s been growing in popularity at gambling sites.

Credit Cards

Accepted almost everywhere, although not our most recommended method. Credit card transactions depend on the issuing bank and may be denied entirely or come with cash advance fees. It’s also not available for withdrawals. Lots of downsides,

Debit Cards

Similar to credit cards, debit card transactions are dependent on the issuing bank and may be denied. However, they are often more reliable than credit card transactions and will not incur cash advance fees. And while it’s usually not available for withdrawals, some online casinos accept debit cards for cashing out winnings.

Online Bank Transfer (ACH/eCheck)

Commonly known as online bank transfer and one of our most recommended payment methods, ACH/eCheck is essentially a virtual check directly from/to your bank account. This method generally holds a high success rate, low minimum deposits, and quick processing times, and it’s available for deposits and withdrawals.

PlayPlus Prepaid Card

Most legal online casinos offer their own prepaid cards through PlayPlus (stylized as Play+). Essentially, PlayPlus is a prepaid debit account that is linked specifically to each online casino. These usually feature instant processing and low minimums. Because it’s tied directly to the casino, it’s a highly reliable deposit and withdrawal method.

Venmo

Venmo isn’t available at all online casinos, but it’s fairly prominent, and most of our top-rated casinos offer Venmo for both deposits and withdrawals. Players looking to use their excess Venmo funds to play real money games can do so instantly at Venmo casinos, and withdrawals go directly to your wallet or bank account.

Apple Pay

Not a common online casino payment method, but you may come across Apple Pay on online casino apps as the option gains traction. This is a quick and easy way to make a deposit and withdrawal for iOS users, but it’s a relatively rare site at this point.

PayNearMe

PayNearMe is a great cash deposit option for players who may not live near land-based casinos. With quick processing times, players can make cash deposits at any 7-Eleven, Walmart, Family Dollar, Dollar General, and more using the service.

Skrill

Skrill is a more popular choice for online casino players outside of the US, but it’s still available to US players, and it’s specifically tailored for online casino deposits and withdrawals. If you’re looking for a PayPal alternative, Skrill is a great choice.

Wire Transfer

While not typically available as a deposit method, wire transfers are accepted by some online casinos as a withdrawal method. Keep in mind that there’s a high minimum and long processing times, but it may be the best choice if a player is trying to cash out a massive progressive jackpot slot win, as it doesn’t usually have a maximum for withdrawals.

Bitcoin

Gambling with Bitcoin has been popular since the cryptocurrency was invented. While there aren’t very many legal online casinos in the US that accept cryptocurrencies, including Bitcoin, there are a few, including Stake.us and Vegas Gems. Bitcoin can be used for instant deposits and withdrawals, and there usually are usually no transaction minimums or maximums.

Cash at Casino Cage

The “cash at casino cage” option allows cash deposits and cash withdrawals at the online casino’s partnering retail casino. For example, you can deposit at Golden Nugget Online in-person at Golden Nugget Atlantic City. The processing time is instant and generally has low minimums, but it does require a trip out to the casino, and not very many online casinos offer the option.

Cash App

Cash App is a rare option at US online casinos, but it is available for both deposits and withdrawals at some of the sites. Like with Venmo and Skrill, Cash App is slow to appear at gambling apps, but we’d be surprised if it wasn’t common place within the next couple years.

Neteller

Like Skrill and PayPal, Neteller operates as a virtual wallet for deposits and withdrawals. While it’s not available in the US, it remains one of the most popular online casino payment methods in the world.

Casino Payments Withdrawal Deposit IconBasics of Casino Payment Methods

Casino payment methods come in a variety of forms. At their most basic, they allow you to deposit money into and withdraw money from your online casino accounts. Most legal online casinos offer similar payment options (ACH/eCheck, PayPal, credit/debit cards, etc.), but it’s up to you to find the best method for your usage.

For security purposes, in most cases, you can withdraw using a payment method only if you’ve previously deposited with it. If that’s the case at the online casino you’re playing on, you have to think about the method that works best for your withdrawals before you even make your first deposit.

How To Deposit at an Online Casino

If you’re brand new to online casinos, we also recommend checking out our guide on how to best sign up at an online casinos.

1

Register

Obviously, if you haven’t already, the first step to depositing is registering at an online casino. During this step, you’ll be asked for personal details such as your name, address, date of birth, and the last four digits of your SSN for identification purposes. Make sure everything matches your ID, as you may be required to provide identification for additional verification.

2

Head to the Cashier

Once you’ve registered, it’s time to head to the Cashier page, where you’ll find all of your available options for deposits and withdrawals. Additional verification may be required before depositing. If that’s the case, simply follow the instructions and you should be verified in no time.

3

Choose Your Deposit Method

Once you’re on the Cashier page and fully verified, it’s time to choose a deposit method. We recommend tried-and-true methods such as ACH/eCheck and PayPal for their convenience, success rate, and accessibility. You should also consider your withdrawals at this point, as many online casinos will allow you to withdraw only to a payment method that you’ve previously used to make a deposit. (It’s a security measure.)

4

Complete Your Deposit

Now that you’ve chosen an ideal payment method, it’s time to make your deposit. Insert any relevant details (bank information, credit card details, PayPal login, etc.) and choose the amount you’d like to deposit. There are two major considerations here, and first and foremost is responsible gambling. Never deposit more than you’re willing to lose. Secondly, if you’re planning on taking advantage of one of our exclusive welcome bonuses and feel comfortable doing so, make sure you’re reaching the minimum deposit laid out in the bonus’ terms and conditions.

5

Play

That’s it! Once your deposited funds have been added to your account, there’s nothing left to do but enjoy your games, be it slots or blackjack and roulette.

How To Withdraw at an Online Casino

1

Head to the Cashier

When you’re ready to withdraw, you’ll first have to head to the Cashier page. Here, head to the withdrawals section and take a look at the available payment methods.

2

Choose Your Withdrawal Method

You’ll generally find that the only available payment methods for withdrawals are those that have previously been used to deposit; that’s for your safety. Among these options, you must choose the most convenient method for you but also one that suits the minimum and maximum withdrawal thresholds.

3

Complete Your Withdrawal

Once you’ve chosen your withdrawal method, simply enter any required details and the amount you’d like to withdraw. Remember that you’ll only be able to withdraw cash, so the available withdrawal amount will not include any bonus funds that haven’t yet been played through.

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Common Online Casino Payment Issues

While online casino payments are generally quick and easy, there are some issues that can arise, especially with certain methods of payment. Here, we’ll review what to keep an eye out for.

Deposit Issues with Credit/Debit Cards

Perhaps the most common payment issue is declined cards. This is no fault of the online casinos themselves. Due to the fact that online casinos are legal on a state-by-state basis, many card issuers have chosen to ban online gambling payments. This results in declined payments in some cases. In general, the bank will put your payment on hold for up to 24 hours, at which point it will either be rejected and returned to your account or approved.

There are a few ways to deal with this. First and foremost, if you’re set on using a credit or debit card, you can call the issuing bank to ask if they’ll lift the restriction. Keep in mind that even if you explain that you’re playing legally within a legal state, this restriction usually isn’t lifted. Secondly, and perhaps easiest, simply use a different deposit method. As mentioned earlier, we strongly recommend PayPal and ACH/eCheck deposits.

Withdrawal Issues

Withdrawal issues can be more common than deposit issues, and this is generally due to security. Legal online casinos have strict rules and regulations to protect you, your identity, and your money, and while they may be frustrating and cause issues, having them is better than not having them. That’s one reason why it’s important to avoid illegal online casinos, which offer almost no player protections.

One of the most common “issues” you’ll find here is identity verification, which in itself isn’t really an issue at all, more an inconvenience. Before you can withdraw funds, you may be asked to provide personal documents such as a government-issued photo ID or a copy of your utility bill.

Withdrawal Options

Another issue you may come across is limited withdrawal options. As we’ve mentioned earlier, most online casinos will limit your withdrawal payment methods to those that have been previously used to make a deposit. This is for your own protection as well, as it prevents an unauthorized user from hopping into your account and withdrawing straight to their own bank account, PayPal, etc.

Wait Times

Although there are more issues that you may stumble across, the final common one we’ll cover is wait times. While deposits are generally instant, you may find that your withdrawals take more time. This is because of the process that needs to be followed, once again, to protect you and your money. When a withdrawal is initiated, all information must be verified, and casino finance teams must perform certain checks, such as AML or anti-money laundering checks. To complete these processes, online casino teams may need additional time. However, in most cases, you’ll find that withdrawals come through quickly despite having to be approved manually.

How To Set Deposit Limits

Deposit limits are an important piece of playing at online casinos. Think of them as the virtual version of taking only a certain amount of cash to a land-based casino. Every legal online casino will offer responsible gambling tools, one of which is deposit limits. This setting is often located in your “Account” section, and you can choose a maximum daily, weekly, or monthly cap on deposits. Once you reach this cap, you won’t be able to deposit any further until the time period resets.

Along with deposit limits, you’ll find the ability to set time limits (cap on time spent on the website), wager limits (cap on how much you can bet), and more.

How To Choose the Best Online Casino Payment Method

There are many factors that play into choosing a real money online casino payment method, and it boils down to your personal experience. If you have an easily accessible bank account or PayPal account, we’d first recommend ACH/eCheck or PayPal. However, you should always consider the below points when choosing.

  • Availability: First and foremost, you have to look at whether you have what you need to utilize a payment method (bank account, PayPal account, etc.) and if the online casino you’re playing with offers it.
  • Success Rate: Make sure you understand the success rate of each payment method. After all, what good is it if deposits and withdrawals don’t work? For credit/debit cards, for example, the success rate largely depends on the issuing bank and its stance on gambling payments.
  • Additional Fees: Make sure you’re aware of any additional fees that may be incurred by using a certain payment method. This can include credit card cash advance fees, wire transfer fees, etc.
  • Processing Times: When you want to play, you want to play. Take a look at processing times to ensure you’re not waiting an excessively long time for deposits and withdrawals. There may also be an approval period for withdrawals, which is detailed in the online casino terms and conditions and can vary by app.
  • Minimums and Maximums: Most payment methods carry a $10 minimum (although $5 can be found rarely), and maximums can stretch to $50K or higher, which is an important factor when you consider the (slim but still existent) chance of hitting the top prize on a progressive jackpot slot. Make sure these parameters work for you, and don’t deposit if you’re not comfortable with the minimum.
  • Withdrawal Accessibility: Last but not least, you should think about withdrawal accessibility before you even make a deposit. For security purposes, most legal online casinos will only allow you to withdraw to a payment method that you’ve previously used to deposit so that an unauthorized individual can’t just come in and take your money. In short, deposit with a method you’d be happy to use for withdrawals.

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Online Casino Payment Methods FAQ

Every US real money online casino accepts PayPal, online bank transfer, and PlayPlus card for deposits and withdrawals.

Prepaid Play+ card and PayPal are among the two fastest ways to withdraw money from online casinos. Their speed typically ranges from instant to 24 hours.

ACH/eCheck, online banking, and PayPal are some of the most common payment methods at online casinos.

ACH/eCheck, PayPal, and Play+ prepaid cards are almost always instant and provide high acceptance rates.

About the Author

Craig Corbeels

Craig Corbeels

Craig Corbeels is a lead writer and gambling expert for Bonus.com. He has been involved in the online gambling industry since 2013. Previously, he worked for Gamesys and Bally's Interactive as a copywriter and social media strategist for multiple North American online casinos.
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