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Just keep in mind that withdrawals to credit/debit cards are limited and only available in a handful of online casinos/poker rooms. Q: Can I gamble with a debit card online? Most sites that accept credit card deposits will also accept debit card payments. United States of America: Bank Cards Bank of America Issuer: VISA 2/11. Buy, sell, trade and exchange collectibles easily with Colnect collectors community. Only Colnect automatically matches collectibles you want with collectables collectors offer for sale or swap. Colnect collectors club revolutionizes your collecting experience! A debit card that is linked to a bank account may also be utilized to easily fund an online casino account. The fact that legal online gambling is relatively new in New Jersey has led some credit card companies to reject deposits.
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Credit card is still the #1 way to fund you online casino account. Since the online gambling boom started in the late 90’s and first five years of the 21st century, all sorts of payment methods have been started to fund Internet casino accounts. Dozens of electronic payment companies called “web wallets” or e-wallets have appeared. Prepaid cards, debit cards, and even gift cards have appeared that would allow you to deposit into your account. People can still use Moneygram and Wells Fargo for payments, while wire transfer, bank cheque, and bank transfer still remain options for withdrawals.
But if you want one method which allows you to make payments and cashouts with the quickest speed and few fees, your trusty Visa and Mastercard are still the best ways to move cash to and from online gambling sites.
The fact is, the world has grown accustomed to charges on credit cards. Mastercard, Visa, and American Express are so wide-ranging and influential, public figures have wondered aloud whether that’s safe or advisable. Credit card companies go wherever they want to go.
If you want to use a credit card for an online casino, you aren’t alone. But you might be wondering which cards offer the widest range of service and which are the most restricted. I’ll give a quick synopsis of each payment method and discuss which plastic charge card is the best plastic for you.
Reviewing the Best Online Casinos Accepting Credit Cards in 2018
Online Casinos Accepting Credit Cards
You will also find a list below of the best options when it comes to deposits made using your credit card. These are your best options for credit cards.The casinos featured on this page have a good reputation, financial security and the best processing (even for US players).
Visa Credit Cards for Casinos Online
Visa was the first all-pay credit card on the market. When Bank of America’s executives sent out open-ended credit cards to 60,000 different American households back in 1958, some people looked at them like they were crazy. But the all-purpose charge card filled a niche for US consumers and the Visa charge card became one of the great successes in the history of consumerism. These days, Visa is the largest credit card company in the world. This means Visa is found in most businesses they want to be in.
It’s no different with Visa online casino sites. Visa has the widest reach of all the credit cards. Name an online casino property and Visa is almost certain to be a payment and withdrawal option. In fact, while Visa and Mastercard are pretty close when it comes to the number of casinos accepting their deposits, Visa has more people withdrawing cash using their service. That’s because Mastercard has shied away from certain payment practices, while Visa hasn’t.
Visa credit cards is an accepted payment method for online casinos which accept players from the United States. Visa credit is accepted by European online casinos. Visa payments are used by Asian gambling sites. Name any website which offers games of chance for real-money and Visa is likely to be accepted at their site. If they don’t allow Visa payments, something is suspicious.
Mastercard Credit Card for Casinos Online
Mastercard is almost as widespread, but not quite so much. In fact, I’ve noticed that a significant number (though minority amount) of casinos online allow Mastercard deposits, but doesn’t allow Mastercard withdrawals. This is no doubt a decision on the part of Mastercard–not the local gambling company.
In fact, I’ve had websites send company emails telling their customers that Mastercard was changing their policies and players would be better off using Visa credit cards. Mastercard’s executives sometimes grow nervous and would prefer people not accept payment using their card, if a potential legal loophole could cause trouble. Still, Mastercard is welcome in about 95% of casinos, so anyone with a MasterCard credit card should have no problem finding a good game.
Amex Credit Card for Casinos Online
Amex is the third-largest credit card company. That’s because American Express considers itself the credit card for high-dollar spenders, while Visa and Mastercard are the credit cards for the masses. Forbes has described American Express as “the 800-pound gorilla of high-end cards”. They were talking specifically about the Amex Black Card, but the quote describes the credit card network as a whole. American Express realizes online gambling isn’t legal in many jurisdictions. To avoid troubles which come with illegal activity, Amex often avoids offering services to card holders involved in Internet gambling.
Where that policy changes is with companies which are considered legitimate. Since the US market is a gray area, Amex chooses the London Stock Market as its touchstone. The British online casinos whose parent companies are traded on the LSX tend to be given access by the American Express credit card network. Otherwise, you’re not likely to be able to use Amex. Casinos like William Hill, Ladbrokes, Win Palace, Casino Titan, and OnBling casino all have American Express as a funding option.
Diners Club International for Online Casino
Diners Club was the first charge card in the world. The Diners Club began as a charge card for an exclusive restaurant in New York City back in the early 1950s. The Diners Club never tried to become an all-purpose credit card until the aforementioned success of Visa in that arena. Eventually, Diners Club began to make national and then international associations, so it’s now one of the respected credit card networks in the world–though nowhere nearly as large as Visa or Mastercard. These days, the card is called Diners Club International, though the company is based out of Chicago, Illinois in the USA.
This means Diners Club International isn’t likely to be a payment option for casinos which accept US players. Still, you’ll occasionally find Diners Club listed among the deposit options at European casinos.
How to Deposit – Funding an online gambling account
The first part of our guide covers all the ways to put money into an online gambling account, possible deposit problems you might encounter at gambling sites, and tips for resolving deposit issues quickly.
Best Online Casinos for Deposits & Withdrawals
What are E-Wallet Sites?
E-wallet sites are very popular with online gamblers due to extremely high processing speeds and relatively low fees – usually, the casino, sportsbook or poker room will receive your money instantly, allowing you to start playing for real money almost as soon as you make the decision to deposit.
Nevertheless, e-wallet sites like Neteller or PayPal are very picky about the gambling sites and countries they deal with – consequently, if your region has stringent gambling laws, odds are high that this deposit method won’t be available to you.
For example, US-facing gambling sites are notorious for refusing to accept e-wallet payments due to the Unlawful Internet Gambling Enforcement Act, despite allowing European players to use this option to fund their accounts.
Another thing you should keep in mind is that some sites might offer additional bonuses for people who opt to make a deposit through an e-wallet, which can be as high as 20% of the amount of money you transfer. This is due to how easy e-wallet transactions are to process for gambling operators, allowing them to pass the savings onto the players.
- Pros: Safest and most secure option to deposit and withdraw money. Easy to move money to different gambling sites.
- Cons: Can take a few days to set up and confirm the account. E-wallets charge fees, usually a percentage of your deposit, to use their services.
What are the Most Popular Online Gambling E-wallets?
Can I Use a Credit Card or Debit Card for Gambling Online Deposits?
Using a credit or debit card to fund your gambling account is the most popular and widespread method all over the world, which shouldn’t be all that surprising if you consider how popular brands like MasterCard, Visa, American Express or Discover are. Obviously, the size of your deposit can’t exceed your limit if you opt to use a credit card or the amount of money in your bank account if you go with a debit card, but otherwise, this method is very fast and completely safe.
Making a Visa or MasterCard deposit is simple, as all you have to do is provide the gambling site with your billing address, card number, expiration date, and Card Verification Value (CVV) code – unlike in the case of e-wallet transactions, you won’t be forced to sign up for any services available at third-party sites.
The catch here is that making a credit or debit card deposit may limit your withdrawal options to some extent, as you won’t be able to cash out this way; realistically, you’ll usually need to request a check by courier or a bank wire transfer to cash-out.
Nevertheless, credit and debit cards allow you to transfer massive amounts of money without being forced to pay any excessive fees, which makes using them the perfect solution if e-wallets are out of the question and if you want to claim a large bonus by making a big payment – just make sure your card has been cleared for international transactions before you attempt to use it.
What are the Most Popular Credit Cards for Online Gambling?
Can I use Prepaid Cards for Online Gambling Deposits?
Prepaid cards are very similar to debit and credit cards, but allow you to go about funding your online gambling account in a more discreet manner. Most sites that accept regular credit/debit cards will also accept a prepaid Visa or MasterCard, so the entire process is as simple as acquiring a card, loading it with funds and making a deposit at the gambling site of your choice.
Unlike gift cards, prepaid cards can be reloaded both locally and online. A good example would be a Visa Prepaid Card, which can be loaded at any location sporting a Visa ReadyLink symbol.
You have to remember that some gambling sites won’t accept every prepaid on the market, so I’d advise contacting the support to confirm that the card you chose will work. (Usually, the site’s staff can be contacted via e-mail, phone or even live chat, so that shouldn’t be much of an issue.)
Furthermore, just like in the case of credit cards, you’ll want to make sure that your card has been cleared for online payments and international transactions, as domestic-only prepaid cards can’t be used to make a deposit on most gambling sites. Finally, don’t worry if your casino or poker room doesn’t list prepaid card as a separate payment option, as most sites simply include them in their credit/debit card subsection.
What are the Most Popular Online Gambling Prepaid Cards?
How are Cash Transfer Services used for Online Gambling Deposits?
Money orders are very popular among American gamblers, which shouldn’t be all that surprising considering they don’t have many deposit methods to choose from. The main advantage of making a payment via a Western Union or Moneygram® money order is how reliable and popular they are – you can’t go wrong with a company that has over 270,000 outlets all over the world and earns $5 billion every year.
Sending your money via a money order is slightly more complicated than using your credit card or e-wallet account, but I’ll use the Western Union example to walk you through the entire process.
First, you’ll have to create a Western Union account on the company’s website and register your credit card. Then, you’ll have to contact the gambling site’s support staff and ask them to give you the information necessary to make a Western Union payment. Once you’re done, go back to the Western Union site, pick “Send Money in Minutes” and complete the form using the information obtained from your casino or poker room.
Finally, write down the Money Transfer Control Number (MTCN) and send it back to your gambling site, which will confirm the transaction. You’ll have to wait a while for the money to go through, which usually shouldn’t take more than an hour. While this doesn’t take all that long, you have to remember that Western Union and Moneygram® payments usually require you to pay a fee, which makes them rather ill-suited for smaller deposits.
Alternatively, you can simply write down all the transfer information provided by the casino/poker room and visit your local Western Union/Moneygram® office to make a cash transfer, without the need for creating an online account or using a credit card to fund it. Just make sure to take a photo ID with you.
What are the Most Popular Online Gambling Cash Transfer Deposit Methods?
Can I use Bitcoin for Online Gambling?
Bitcoin is an open-source digital currency system, which was introduced in 2009 by an anonymous individual or group known only as Satoshi Nakamoto. Unlike the traditional fiat currencies, the system isn’t controlled by a single entity like a government or central bank – the entire network is completely decentralized, with individual users volunteering their computing power to execute and record network’s transactions. This means that nobody is capable of single-handedly influencing it by adjusting the supply or exchange rates.
Another advantage of using bitcoins over fiat currencies is the fact that all the transactions are pretty much anonymous, as bitcoin users aren’t required to identify themselves by name or address. Furthermore, it is worth pointing out that while bitcoin started out as a rather gimmicky currency and wasn’t initially worth much, the total market capitalization of bitcoin exceeded $10 billion by the end of 2013 and the price of a single bitcoin totaled over $450 by April. Consequently, it should come as no surprise that further subunits have been introduced to facilitate smaller transactions.
Trading your bitcoins for traditional currency like the United States dollars or British pounds is as simple as visiting one of the numerous bitcoin exchange sites, but keep in mind that the specific exchange rates aren’t really fixed. Despite the fact that bitcoin isn’t accepted by banks, many well-established companies like TigerDirect, Virgin Galactic or Zynga have started accepting this form of currency over the past few years. Even better, many governments have taken a hands-off approach when it comes to regulating bitcoin transactions and mining, which means that bitcoin users probably won’t have to worry about any form of taxation in the foreseeable future. See our list of Bitcoin Gambling Sites for more info.
What are the Internet Gambling Laws and Banking by Region?
Below you’ll find guides to banking and laws by region. As always you should follow the laws in your local jurisdiction. As laws change frequently, be sure to consult a legal professional if you have any questions about the legality of online gambling in your area.
- USA – American players have to deal with strict gambling regulations, which means they can’t use e-wallets for gambling related transactions. This means that the most reliable method of making a deposit is to use a credit / prepaid card or a money order at a trusted US-facing gambling site. Cashing out is usually available only via check by courier or a bank wire transfer, and while both methods are extremely reliable, they also take quite a bit of time.
- Canada – Canada isn’t as strict about gambling as the country’s southern neighbor, which means that Canadian players have access to e-wallet sites. Credit and debit cards can be used as well, though these are limited to deposits only in most online gambling venues.
- Australia – Australia is yet another lenient country when it comes to online gambling. I’d advise using e-wallets or credit/debit cards for deposits and e-wallets for cashing out. Other methods are obviously also available, but why would you pay for a Western Union or Moneygram® money order when you can have the same service for free? Finally, Australians can use the POLi service, which basically allows you to use your bank account for instant internet banking.
- New Zealand – Much like in the case of Australia, players in New Zealand should use a credit card or an e-wallet service for making their deposits, and an e-wallet service for processing withdrawals. What’s more, and again just like Australians, New Zealanders can take advantage of the POLi service if they don’t want to use their credit card.
- South Africa – Most South African gambling sites prefer their customers to use Visa or MasterCard for making a deposit and traditional bank wire transfers for withdrawals, though some sites do allow South African residents to deposit and withdraw using e-wallets.
- India – Indian players should usually stick to Skrill (Moneybookers) when depositing at India-accepted gambling sites, but credit cards and bank wire transfers should also be reliable with most India-facing sites. Just keep in mind that some Indian banks and credit cards don’t like their customers engaging in gambling-related transactions.
- UK – The United Kingdom is a very gambling-friendly country, so most options listed in a casino or poker rooms cashier should be available there. In fact, some venues go as far as to support micropayments via your phone bill, as long as you are a resident of the UK. Nevertheless, I’d recommend using an e-wallet or a credit card for making deposits, and e-wallets for withdrawals due to low costs and high speed.
Possible Deposit Problems & How to Handle Them
Declined Credit/Debit/Prepaid Card – The site won’t accept your card
Credit card transfers and deposits are often declined due to insufficient funds – basically, you won’t be able to exceed your credit limit or deposit more than you have in your bank account.
Nevertheless, if you’re sure that you have enough funds to make your payment, the first thing you should check is whether you’ve correctly entered your billing address and whether the address matches the one you used when signing up for your gambling site account.
Another solution would be to try a smaller deposit, as many banks restrict the amount of money you can send to online gambling sites. If that doesn’t work and you’ve tried using another card to no avail, you’ll have to contact your credit card company to solve this issue. Finally, make sure that your card has been cleared for online/international transactions.
Low Deposit Limit – Not being able to deposit as much as you want
Many gambling sites have restrictions in place on the maximum allowed deposit, which means that you won’t be able to pay more than a certain amount with a single transaction. Usually, this limit is set between $1,000 and $2,000, and unfortunately, there’s no way to circumvent it other than by making two or more payments.
If you’re a high roller and you’d like to deposit more, I’d advise looking for a site that doesn’t have any maximum deposit restrictions in place. Whether you’re from Europe, Asia or the United States, finding a reliable poker room, casino or a sportsbook that doesn’t force you to limit your payments shouldn’t be an issue.
However, if you’re planning to deposit big, make sure to check the withdrawal limits – larger bets usually mean bigger winnings, and there’s nothing more frustrating than having to wait five or six weeks before the entire cash out request has been processed by the site. Also, make sure to e-mail your casino or poker room of choice and ask if their maximum deposit limits can be raised; you’d be surprised how many of them will gladly comply.
Slow Deposit Processing – Deposit isn’t showing up in your account
While most deposit methods are instant, which means that funds will be credited to your account the moment you confirm the transaction, some options will require you to wait for the money to go through. For example, a deposit made with a credit card will be finalized after being approved by your credit card company, while a bank wire transfer may take up to five business days.
What’s more, some methods take longer to process on the casino’s side. This kind of information should be accessible on the casino’s or poker room’s website, but if you have any doubts you should contact customer support. The best way to avoid all these problems is to use an e-wallet to make your deposit if possible, which is almost always instant.
How to Cash Out – Withdrawing money from a gambling site
Hopefully, after you gamble online for a while you’ll have some winnings to cash out. This part of our guide will teach you what you need to know about getting your winnings back to your bank account, where they belong.
Withdrawals in Gambling-Friendly Countries
Gambling-friendly countries like the United Kingdom make it very easy for players to withdraw their winnings, as e-wallet services like PayPal and Neteller are available to their residents. As a result, cashing out is safe, quick and generally painless – once your e-wallet account has been verified, you won’t be forced to wait for weeks before your money arrives.
Consequently, most sites won’t bother sending you a check by courier (though it is an option at some venues), however, if you want you can usually request a traditional bank wire transfer or even a Western Union or Moneygram® cash transfer if you used one of those services when making a deposit.
Withdrawals in the United States
The United States is a special case, as the country has very strict gambling regulations which differ from state to state, but despite that has a massive gambling market. As a result, American gamblers have limited choice in terms of available withdrawal options, especially since e-wallet transactions aren’t available for them. As a result, the most common cash out method is to receive a check via courier, which usually takes up to ten business days to deliver.
Another popular option is a Western Union or Moneygram® cash transfer, but keep in mind that this becomes available only if you made a deposit using the same channel. Bank wire transfers are also available through many sites and some specific casinos and poker rooms might even allow you to withdraw using a debit card – in that case, the money usually takes about five business days to arrive.
Possible Withdrawal Problems and How to Handle Them
Withdrawal Denied – The gambling site won’t let you cash out
A legitimate gambling site will provide you with a reason whenever your withdrawal gets denied, letting you know what you need to do to fix the issue. In such cases, most gambling sites will require you to verify your account by providing them with the following documents: proof of identity (driver’s license, picture ID), proof of address – usually 2 copies (utility bill, phone bill, credit card statement), copies of all the credit/debit cards that were used to deposit with the site as well as a completed and signed faxback form. If any of those documents are missing, chances are your cashout will be denied.
Your withdrawal request will most often be denied if the site’s staff detects a violation of the rules – most gambling sites are very strict when it comes to collusion and other forms of cheating, which may lead to some misunderstandings. Fortunately, and if there was no misconduct on your part, such situations can easily be resolved. The best course of action is to provide the site with a thorough explanation of the actions that raised their doubts.
Finally, if you made a mistake of depositing with one of the rare scam sites that are out there, taking legal action may be the only way of getting your money back. Nevertheless, keep in mind that such sites thrive on the fact that people aren’t aware of their malicious intents. In such a case, attracting the attention of a major gambling services review site might improve your chances of receiving a payment without taking the issue to the court.
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Cash-out Restrictions – The gambling site will only let you cash out $x per week
Many online gambling sites have cash-out restrictions or limits, which might become annoying if you’re trying to withdraw massive amounts of money. Usually, the limit will be close to $2,000 per week – whenever your withdrawal request is higher than the restriction, you’ll be paid in $2,000 weekly installments.
Most online casinos don’t apply these restrictions to jackpot and progressive wins, though if you want to make a regular cashout there’s nothing you can do to speed up the process except for e-mailing the service provider and trying to come to an understanding, which is more likely to work with poker rooms than it is with online casinos.
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Slow Payments – The gambling site said they processed your payment, but it’s been ‘x’ days/weeks/months
Cashing out can take much longer than making a deposit, so always keep that in mind and don’t immediately assume that the site is trying to scam you. For first-time withdrawals, the account verification process usually takes up to five business days – add ten more days for the site to process your request once your account is verified and you’ve got a solid two weeks between making the decision to withdraw and actually receiving your money.
Nevertheless, if the site’s staff is trying to hedge or the transaction hasn’t been completed in more than a month, you can definitely assume that there’s something wrong. In such a case, you should definitely report the situation to a renowned gambling review website and give the issue some exposure in the casino, poker or sports betting community. Scammers usually prey on clueless victims, so letting people know about their schemes is usually enough to force them to pay.
If that doesn’t help, filing a lawsuit may be the only way to go. Generally speaking, the best way to avoid slow payments or downright fraud attempts is to play on renowned sites only, as their reputation is way too valuable for them to engage in such malicious practices.
Internet Gambling Banking FAQ
Frequently asked questions about online gambling deposits and withdrawals.
Q: Can I put money on an online gambling site?
Answer: Yes. In fact, most sites will require you to fund your personal gambling account before you’ll be allowed to join real money games.
Q: Can I gamble with a credit card online?
Answer: Yes. Most sites will accept a credit card payment, but make sure that your card has been cleared for international transactions. This is also one of the few deposit methods that you can use regardless of your country of residence. Just keep in mind that withdrawals to credit/debit cards are limited and only available in a handful of online casinos/poker rooms.
Q: Can I gamble with a debit card online?
Answer: Yes. Most sites that accept credit card deposits will also accept debit card payments.
Q: Should I send copies of my credit or debit card to a gambling site for verification?
Answer: Your personal information is safe with well-known gambling sites as the key to their success lies in providing a secure environment for their players, so you definitely should feel comfortable sending all required documents during the verification process; refusing to do so could prevent you from validating your account and cashing out.
Q: Can I use cash for online gambling instead of a credit card?
Answer: While most online gambling sites don’t accept cash or even bank wire transfers as a payment method, many quality casinos and poker rooms will allow you to fund your account via a Western Union or Moneygram® money transfer.
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Q: Are online gambling winnings reported to the government?
Answer: No. Online gambling sites are very serious about protecting the privacy of their customers, so no financial information is reported to the government unless the company in question is based in a jurisdiction that requires it to do so (which it very rarely is). Nevertheless, it’s important to remember that some gambling-related data – particularly when it comes to poker – can be obtained from statistical websites and there’s nothing to stop government officials from accessing these public resources, although it’s worth mentioning that these statistical services will not identify you by your first and last name – only your nickname.