Casino banking methods

Casino deposit methods for US players and why cards get declined

Card networks tag gambling transactions with merchant category code 7995, and many US banks decline those payments or treat them as cash advances with extra fees. UIGEA, the 2006 federal law, bars gambling businesses from accepting credit, bank transfers and checks for unlawful internet gambling under 31 U.S.C. § 5363 (opens in a new tab), which is the background to those blocks. Our card declines page explains what you can and can't do about it.

Our partners still list cards. SlotoCash's banking page lists Visa, Mastercard and American Express deposits from $25 with a small fee, and Silver Oak's banking page lists card deposits of $30 to $1,000 with fees of 3% to 10%. Most players end up using crypto instead, which offers wider limits.

PayPal, Venmo, Zelle and Cash App don't appear in the payment lists our partners publish. See PayPal casinos for why.

Casino withdrawal limits, fees and times

Withdrawals are where offshore casinos differ most, and where most complaints on review sites start. Three numbers matter: the weekly or monthly cap, the fee for your method and the published processing time.

• Caps. SlotoCash's banking page caps withdrawals at $5,000 per week and $20,000 per month. Miami Club's Terms of Use cap withdrawals at $5,000 a week, while its banking page lists $2,500 a week for Bitcoin and bank wire. Silver Oak's terms set a weekly limit from $2,500, raised by VIP level. Third-party reviews report $2,500 per week at Planet 7, Royal Ace and Slot Madness.
• Fees. SlotoCash lists free Bitcoin withdrawals but a fee on bank wire, and its two banking pages disagree on the wire and check fees ($50 vs $60 for wire). Silver Oak's terms add an 8% fee if a deposit wasn't wagered at least once.
• Times. SlotoCash's payout page says Bitcoin requests are handled within 48 business hours. Silver Oak's terms describe a review of 7 to 10 business days plus 7 to 10 business days for payment.

Before any first withdrawal, expect identity checks: a photo ID and proof of address at minimum. Our guides to withdrawal limits, withdrawal fees, pending withdrawals and KYC documents cover each step.

All pages in this section

Using Bitcoin and crypto at online casinos

Crypto is the main banking route at offshore casinos, but it carries its own risks. The FTC warns that crypto payments generally can't be reversed (opens in a new tab) and lack the legal protections of a credit card. A CFPB bulletin noted that Bitcoin was down more than 70% from its November 2021 high as of October 3, 2022, so a balance held in crypto can lose value.

1. Buy crypto from a US exchange in your own name and send it to your own wallet.
2. Copy the deposit address from the casino cashier and check the first and last characters before sending.
3. Send a small test amount first if you're new to crypto.
4. When withdrawing, use a wallet you control and note the transaction ID.

Our how to buy Bitcoin for casinos and crypto wallets guides go further. All partner casinos are offshore and not licensed by any US state, so check your state's law on the states hub first.

Casino deposit methods by partner: crypto, cards and vouchers

Each partner publishes or is reported to accept a slightly different mix of payment methods. The table lists the deposit side for all seven, in our commercial order. Minimums come from the casino's banking page where we could read it, and from third-party reviews otherwise.

Two partners stand out for small deposits: SlotoCash and Miami Club both list Bitcoin Lightning from $5. Miami Club's banking page says deposits carry no fee, while SlotoCash lists a card fee of $0.01 to $1. Third-party reviews also report that some methods on Decode's list, such as AstroPay and Interac, aren't available to US players. See minimum deposits, Ethereum and USDT (Tether).

Casino withdrawal methods compared: Bitcoin, bank wire and check

Withdrawal options are narrower than deposits. None of the three partners whose banking pages we could read lists card withdrawals, and Miami Club's page says cards aren't available for payouts. Here are their published payout methods side by side.

Bitcoin is usually the cheapest exit, and a wire or courier check can cost $50 to $60 a time. Weigh the fee against the size of your withdrawal: $60 is 40% of a $150 check. Read bank wire, check by courier and withdrawal fees for method details.

How to withdraw from an online casino, step by step

1. Finish any bonus wagering first. Bonus winnings can't be withdrawn until it's complete.
2. Send your verification documents. Miami Club's terms require proof of identity for every withdrawal, whatever the amount, and Silver Oak's block withdrawals until checks are complete.
3. Pick a payout method the casino supports for withdrawals. Miami Club's FAQ says a first withdrawal needs a prior deposit with that method.
4. Check the minimum, the weekly cap and the fee for that method before you request.
5. Submit the request and note the date, amount and any reference number.
6. Wait out the pending and processing period, then confirm receipt in your wallet or bank.

If a request stalls past the published time, contact support in writing and keep copies. Our pending withdrawals page explains common reasons, and how to file a casino complaint covers what to do when there's no state regulator to turn to.

Online casino banking: key numbers for US players

The CFPB also reported more than 8,300 crypto complaints between October 2018 and September 2022, with fraud and scams the most common issue. Read the CFPB's crypto complaint bulletin (opens in a new tab) and our currency and exchange page before you hold a casino balance in crypto.

Common casino banking mistakes and how to avoid them

• Sending the wrong coin. A Litecoin deposit sent to a Bitcoin address is usually lost. Copy the address from the cashier for the exact coin you're sending.
• Using a card or wallet in someone else's name. SlotoCash's terms say your profile must match your bank details, and every partner's verification checks ownership.
• Withdrawing without wagering a deposit. Silver Oak's terms add an 8% fee if a deposit wasn't wagered at least once.
• Requesting several small payouts. SlotoCash's payout page allows one request a week per method, and fees apply per request.
• Assuming a payment app will work. Cash App, Zelle and Venmo don't appear on partner banking lists.

If a deposit is declined, don't try to disguise the payment. Our credit card gambling blocks guide explains why banks block these transactions and what your legitimate options are. Card deposits that do go through may be billed as cash advances, and many issuers attach cash-advance fees to them, so read your card agreement before you try.

21+ (18+ where allowed). Every casino game has a built-in house edge, so over time you should expect to lose what you stake. Set a budget before you play and stop when it’s gone: responsible gambling tools and free help. Gambling problem? Call or text 1-800-MY-RESET (1-800-697-3738).