Claim bonus21+ (18+ where allowed). New players. Terms apply. Offshore casino, not state-licensed.
Card minimum$30 (LCB)
Lightning Bitcoin minimum$5 (LCB)
Cards reportedVisa, Mastercard, Amex, Discover
CurrenciesUSD and Bitcoin (AskGamblers)
VouchersNone reported
US state licenseNone
Royal Ace Casino banking runs on cards and crypto: third-party reviews list Visa, Mastercard, American Express, Discover, Bitcoin and several other coins, with minimums of $5 by Lightning Bitcoin and $30 by card. US cards are often declined at offshore casinos, so many players fall back on crypto. No source lists a prepaid voucher such as Neosurf.
LCB reports deposit minimums of $5 by Lightning Bitcoin and $30 by credit or debit card.
Card deposits carry gambling code MCC 7995, which many US banks block or treat as a cash advance.
Reported coins include Bitcoin, Ethereum, Litecoin, Tether, Dogecoin and XRP, with Casino Guru adding Bitcoin Cash and BNB.
No prepaid voucher, PayPal, Cash App or Zelle option is reported for Royal Ace.
Royal Ace is offshore with no US state license, so banking disputes have no state regulator behind them.
Royal Ace Casino banking: the short answer
You can fund a Royal Ace account by card or by cryptocurrency, according to third-party reviews. LCB gives the minimums as $5 for Lightning Bitcoin and $30 for credit and debit cards, and Casino Guru lists 18 payment methods in total across deposits and withdrawals. Every figure here comes from third-party reviews, so treat it as reported rather than confirmed.
Accounts run in US dollars, and AskGamblers also lists Bitcoin as an account currency. For the wider picture of the brand, including its operator and complaint record, read our Royal Ace Casino review.
Royal Ace deposit methods for US players
Casino Guru's combined list is long, but several entries are of limited use to Americans. Interac is a Canadian bank-transfer network, for instance, and LCB notes that Neteller isn't available to US players. The table sorts the reported options by type.
Royal Ace payment methods reported by third parties
$5 for Lightning Bitcoin (LCB); others not published
Crypto services
Changelly, Coindraw
Not published
Bank and paper
Bank transfer, check
Not published
Other
Players Rewards Card, Interac
Not published
Casino Guru doesn't say which methods work only for deposits, so don't assume a method you pay in with can also pay you out. The Royal Ace withdrawals page lists the cashout side separately.
Royal Ace minimum deposit by method
Only two minimums are published by any source: $5 for Lightning Bitcoin and $30 for cards, both from LCB. Maximum deposit amounts aren't reported, and neither are deposit fees. Our guide to minimum deposits explains why crypto minimums usually sit lower than card ones.
The minimum interacts with any bonus you take. LCB's listing for the Royal Ace welcome package shows a max cashout of 10x the deposit, so a $30 card deposit would cap bonus withdrawals at $300 and a $100 deposit at $1,000. Casino Guru lists the offer differently and gives no wagering figure, so read the terms shown at sign-up on the Royal Ace welcome bonus page.
How the reported 10x max cashout scales with deposit size
Deposit
Method that allows it
Bonus max cashout at 10x
$5
Lightning Bitcoin
$50
$30
Card or crypto
$300
$100
Card or crypto
$1,000
$250
Card or crypto
$2,500
Why Royal Ace card deposits get declined
A declined card is the most common banking complaint at offshore casinos, and the cause is usually your bank rather than the casino. Card networks tag gambling payments with merchant category code 7995, and many US issuers block that code by default or ask for extra checks. Some also treat a credit card gambling payment as a cash advance, which brings fees and interest from day one.
The legal background is the federal UIGEA, which bars gambling businesses from accepting cards, transfers and checks in connection with unlawful internet gambling under 31 U.S.C. § 5363 (opens in a new tab). It doesn't make placing a bet a federal crime for the player, but it explains why banks are cautious. Our card declines guide and UIGEA explainer go into more detail.
No source quantifies how often US Visa or Mastercard deposits to Royal Ace fail. If yours is declined, don't try to disguise the payment; call your bank, or use a method the casino lists.
Visa, Mastercard, Amex and Discover at Royal Ace
All four major card brands appear on Casino Guru's list. Approval depends on your issuer more than on the brand, and credit cards are more likely than debit cards to trigger cash advance charges. Read Visa at online casinos and American Express at online casinos for brand-specific points.
Withdrawals back to cards don't appear on any reported Royal Ace payout list. AskGamblers names only bank wire, check, Neteller and Bitcoin for cashouts, so a card depositor will need one of those to get money out.
Royal Ace Bitcoin and crypto deposits
Crypto is the lowest-cost entry point at Royal Ace, with LCB reporting a $5 minimum for Lightning Bitcoin. LCB lists Bitcoin, Dogecoin, Ethereum, Litecoin, Tether and XRP, and Casino Guru adds Bitcoin Cash and Binance Coin. Minimums for coins other than Lightning Bitcoin aren't published.
Vouchers, prepaid cards and other Royal Ace options
No third-party source lists a prepaid voucher at Royal Ace, so don't plan on paying with Neosurf or a gift card. PayPal, Cash App, Venmo and Zelle are also absent from every reported list. Our prepaid vouchers guide explains how vouchers work at casinos that do take them.
Casino Guru lists a Players Rewards Card, but no source explains what it is or how it's funded, so ask support before relying on it. Changelly and Coindraw also appear; how Royal Ace connects to these crypto services isn't published. Bank transfer and check appear too, with no minimums or fees reported.
How to make a first deposit at Royal Ace
Check your state's law on offshore casinos before opening an account.
Register with your real name, address and date of birth, matching your ID, since documents are checked later.
Read the bonus terms shown at sign-up and decide whether to opt in, keeping the reported 10x max cashout in mind.
Choose a method: a card from $30, or Lightning Bitcoin from $5, as reported.
For crypto, copy the deposit address from the cashier exactly and send a small test amount first.
If a card is declined, stop and contact your bank rather than retrying repeatedly.
Keep a record of every deposit, including date, amount and method, for budgeting and taxes.
Royal Ace cashout planning: caps and timing on an $8,000 win
Royal Ace's banking looks easy on the way in and slow on the way out. Two reported caps work together: $2,500 a week and $5,000 a month, both from casino.guru. Here is how they would pay an $8,000 balance, with AskGamblers' bank wire times added.
$8,000 at Royal Ace under reported caps (third-party figures, simple arithmetic)
Month
Withdrawn
Remaining
Reported time per payment
Month 1, week 1
$2,500
$5,500
7–10 days pending, then 10–14 days by wire
Month 1, week 2
$2,500
$3,000
Same
Month 1, weeks 3–4
$0 (monthly cap reached)
$3,000
Not applicable
Month 2, week 1
$2,500
$500
Same
Month 2, week 2
$500
$0
Same
The last payment would be requested more than a month after the first, and arrive up to about three weeks after that on AskGamblers' times. LCB's account of payouts usually taking a month or more points to the slower end. Bitcoin may shorten the transfer leg, though no Bitcoin time is published.
No source reports a Royal Ace deposit fee, and AskGamblers lists no withdrawal fees. Your own bank or crypto exchange may still charge, so the casino's figure is only part of the cost. Card issuers that code the payment as a cash advance usually add a fee on top.
AskGamblers gives the account currencies as US dollars and Bitcoin. A Bitcoin balance means your bankroll's dollar value can change between deposit and withdrawal, which is worth weighing before you choose it.
Is banking at Royal Ace safe and legal for US players?
No US state licenses or regulates Royal Ace, which operates offshore. Third parties disagree on its license, with AskGamblers reporting Costa Rica and Casino Guru and LCB reporting none, and the casino shows no license on the pages reviewers checked. That means no state body protects balances or hears payment disputes.
Whether you may play is set by your state's law; see offshore casino legality. The Michigan Gaming Control Board hasn't named Royal Ace in any release on our record. Complaint sites report slow payouts, so deposit only what you can afford to lose, and if money worries start, call 1-800-MY-RESET (1-800-697-3738) or use NCPG's help and treatment resources (opens in a new tab).
Royal Ace banking and an alternative via our links
Both casinos below take cards and crypto at similar reported minimums. Neither holds a license from any US state, so check your state's law first. Offers are for new players aged 21+ (18+ where allowed), and terms apply.
Royal Ace Casino: $2,500 Welcome Bonus + 35 Free Spins, via our link (new players, 21+ or 18+ where allowed, terms apply). LCB's Royal Ace listing (opens in a new tab) shows 30x (bonus + deposit) wagering on slots, a $30 card minimum and a max cashout of 10x the deposit, while Casino Guru gives 250% up to $2,500 with no wagering figure. Confirm the terms shown at sign-up.
Planet 7 Casino: $2,750 Welcome Bonus + 45 Free Spins, via our link (new players, 21+ or 18+ where allowed, terms apply). LCB reports 30x (bonus + deposit) wagering on slots, a $1,000 max cashout, and the same $5 Lightning Bitcoin and $30 card minimums. LCB and Casino Guru report a $2,500 weekly cap, while AskGamblers shows €2,500 per day instead, so check the limit at sign-up. The Michigan board named Planet 7 in its April 9, 2025 cease-and-desist release; read our Planet 7 review first.
Ad21+ (18+ where allowed). Ranked by us in a commercial order; we earn commission from these links. Advertiser disclosure
Both casinos are offshore and not licensed by any US state; banking terms come from third-party reviews. 21+, terms apply.
Royal Ace Casino#6 on our listSlots and specialty games
Published terms (reported): Third-party reviews disagree on the package (200% up to $4,000, or 250% up to $2,500 + 35 spins); the casino site could not be checked directly. Eligible games: Slots and specialty games (reported).
Who runs it: License not shown; third parties report Costa Rica or none. Regulator notes: Third parties report it does not accept Ohio players.
21+ (18+ where allowed). New players. Min deposit $30 (reported). Wagering 30x deposit + bonus on slots (reported). Max cashout: 10x deposit (reported). Withdrawal cap $2,500 / week (reported). Terms source: reported. Terms apply. Offer checked October 28, 2026.
Planet 7 Casino#5 on our listRealTime Gaming slots
Published terms (reported): Third-party reviews report a 200% match with code WELCOME200; the casino site could not be checked directly. Eligible games: Slots (reported).
Who runs it: License not shown; third parties report Costa Rica or none. Regulator notes: Named in a Michigan Gaming Control Board cease-and-desist release, April 9, 2025.
21+ (18+ where allowed). New players. Min deposit $30 (reported). Wagering 30x deposit + bonus (reported). Max cashout: $1,000 (reported). Withdrawal cap $2,500 / week (reported). Terms source: reported. Terms apply. Offer checked October 28, 2026.
These casinos are offshore operators. They are not licensed or regulated by any US state, and state consumer protections do not apply. Check the law in your state before you play. Terms marked “reported” come from third-party reviews; the terms shown at sign-up apply.
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).
Frequently asked questions
What is the minimum deposit at Royal Ace Casino?
The lowest reported minimum is $5, by Lightning Bitcoin, according to LCB. Card deposits start at $30 on the same listing, and no source publishes minimums for other coins, bank transfer or check. The casino's own cashier may show different amounts, so check there before you send money. If you plan to take a bonus, remember that a reported 10x max cashout makes small deposits less useful. Our page on minimum deposits explains how these limits usually work.
Why was my card declined at Royal Ace?
Most likely your bank blocked the gambling code on the payment. Card networks tag casino transactions with MCC 7995, and many US issuers decline that code by default or ask for extra checks, partly because of the federal UIGEA. The decline usually isn't the casino's doing. Call your bank to ask, or use another method the casino lists, but never disguise a payment. Read why credit cards get declined at casinos for more.
Does Royal Ace accept PayPal or Cash App?
No, neither appears on any reported Royal Ace payment list. Casino Guru's 18 methods cover cards, crypto, bank transfer, check, Interac, Changelly, Coindraw and a Players Rewards Card. Offshore casinos rarely offer PayPal to US players, and services like Cash App are usually used only to buy Bitcoin first. Our pages on PayPal at online casinos and Cash App at online casinos explain the options.
Can I use a prepaid voucher at Royal Ace?
No source reports one, so assume you can't. Neosurf and similar vouchers don't appear on any third-party list for Royal Ace, and neither do gift cards. A Players Rewards Card is listed by Casino Guru, but its funding and use aren't explained anywhere, so ask support before relying on it. If a voucher matters to you, our prepaid cards page covers how such methods work elsewhere.
Which cryptocurrencies does Royal Ace accept?
LCB lists Bitcoin, Dogecoin, Ethereum, Litecoin, Tether and XRP for Royal Ace. Casino Guru adds Bitcoin Cash and Binance Coin. Only Lightning Bitcoin has a published minimum, at $5, and withdrawal lists name Bitcoin alone among coins. Coin options change, so check the cashier before you buy. Our Royal Ace Bitcoin and crypto page covers speed, volatility and safe transfer steps.
Does Royal Ace charge deposit fees?
No deposit fee is published by any source we could find, and AskGamblers reports no withdrawal fees. That doesn't make banking free, because your bank may treat a credit card payment as a cash advance with its own fee, and crypto exchanges charge for buying and sending coins. Add those costs to your budget. Our guide to withdrawal fees explains the charges players most often meet.
Is it safe to deposit at Royal Ace?
It carries more risk than a state-licensed casino. The casino is offshore, its license is disputed by third parties, and complaint sites report slow payments and a warning from LCB. No US state protects your balance or hears disputes. If you go ahead, deposit small amounts, finish verification early and keep records. Read is Royal Ace legit for the full complaint and regulator record.
Can I deposit by card and withdraw by Bitcoin at Royal Ace?
Reported payout lists suggest you'd have to, because no source names card withdrawals. AskGamblers lists bank wire, check, Neteller and Bitcoin for cashouts, and LCB says Neteller isn't open to US players. The casino may ask you to verify the card you deposited with before paying out by another route. Check its terms first, and see the Royal Ace verification page for the document side.
How much can I cash out from Royal Ace each month?
Casino.guru reports a $5,000 monthly cap at Royal Ace on top of a $2,500 weekly cap, and LCB and AskGamblers also give the weekly figure. In practice, that means two full weekly payments use up a month's allowance, so a larger balance waits for the next month. No per-transaction maximum is published. Bonus play can cut the figure further, because LCB reports a max cashout of 10 times your deposit on the welcome offer. Our guides to withdrawal limits and weekly withdrawal limits explain how caps work.
How long does a Royal Ace bank wire withdrawal take?
On AskGamblers' figures, a Royal Ace bank wire takes roughly 17 to 24 days: a 7–10 day pending period, then 10–14 days for the transfer, with no weekend cashouts. LCB is harsher, saying payouts are usually issued after a month or more, so plan for the longer end. AskGamblers reports no casino fee, but your own bank may charge to receive an international wire. Send verification documents before you request. Our bank wire page and withdrawal times guide explain each stage.
Is the Royal Ace minimum withdrawal $20 or $50?
LCB reports a $20 minimum withdrawal at Royal Ace, which is the figure from an independent reviewer. An unofficial mirror site says the minimum is 'commonly $50', but that site shows no operator or license details, so it isn't confirmed. Check the cashier before you request, because a balance below the minimum can't be paid out. Bonus terms and the weekly cap may matter more than the minimum for larger sums. Our answer to what the minimum withdrawal is and the Royal Ace withdrawals page add context.
Can I deposit at Royal Ace with a debit card?
Casino.guru lists Visa, Mastercard, American Express and Discover at Royal Ace without separating credit and debit, and LCB gives a $30 card minimum. A debit card avoids the cash advance fees some issuers charge on credit card gambling payments, but it still carries the MCC 7995 gambling code, so your bank may decline it. Card withdrawals aren't reported, so plan a payout method such as Bitcoin or bank wire before you deposit. Our debit cards page and Mastercard at casinos page explain issuer rules.
Is Royal Ace banking better than Planet 7's?
Deposits look almost identical, with both reported at $5 for Lightning Bitcoin and $30 for cards. The differences are on the cashout side. Royal Ace's reported minimum withdrawal is lower, at $20 against $50 or $100, but it adds a $5,000 monthly cap and AskGamblers reports slower times: 7–10 days pending and 10–14 days for transfers, against 5–7 and 7–9 at Planet 7. Michigan named Planet 7 in April 2025 but not Royal Ace. Compare them in Planet 7 vs Royal Ace and on Planet 7 banking.
Can Ohio players deposit at Royal Ace?
No, casino.guru reports that Royal Ace doesn't accept players from Ohio, so Ohio residents shouldn't expect to open or fund an account there. Ohio doesn't license online casinos in any case, and bills such as HB 298 have stalled. The Ohio Casino Control Commission says illegal sites offer no consumer protections and recommends blocking tools. No full restricted-state list is published for Royal Ace, so other states may be affected too. Read our Ohio online casinos page and the answer to whether you can play online casinos in Ohio.
Does Royal Ace need documents before my first withdrawal?
Expect so. LCB reports document verification at Royal Ace taking 0–3 days, with files sent to documents@royalacecasino.com, though the exact list of documents isn't published. Photo ID, proof of address and proof of the card you deposited with are the usual requests at offshore casinos, so have them ready. Verifying before your first request stops paperwork from adding to the reported 7–10 day pending period. Our KYC documents guide and why casinos want documents explain what's typical.
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