Online Casino Payment Methods: Top Deposit & Withdrawal Options in 2025

Every legitimate real money online casino offers a wide range of payment methods, making both deposits and withdrawals as quick and hassle-free as possible. In fact, some of the best online casino payouts may even include a boost in the form of a deposit bonus, or provide an additional credit for using specific payment methods that are more cost-effective for the online casino itself. With the rise of mobile play casinos, Apple Pay and other on-the-go payment methods have begun to take center stage as well. Read on for a full breakdown of the types of payment methods you can expect to see at real money online casinos.

Apple Pay is another wildly popular way to pay when using one of the best casino apps for iPhone. It has more than 45 million users in the US and is a popular choice at casinos like BETMGM and DraftKings. Like PayPal, it has an excellent customer support team that you can contact if anything goes wrong. Deposits are instant; in most cases, withdrawals will be done in less than 24 hours.  

Bank transfers are another popular choice amongst those depositing funds at an online casino. The technology behind ACH (Automated Clearing House) has definitely improved in the last five years, and this is generally a quick, painless solution to getting cash from one place to another. What might have taken a day or two to fund your account in the past, is now generally instant, though you should check the terms and conditions for each casino you use. Simply put, ACH uses your bank account without the need for check numbers and is a quick and easy solution. Just remember to have the funds in your account. You want to avoid ending up with overdraft fees.

Echecks are another quick and easy solution. Simply input the data requested by the casino on the check deposit page. Funds are a little slower when withdrawn; plan on one to two days to get money back into your account.  

While cryptocurrency like Bitcoin certainly has its share of opponents, the underlying use case still includes a strong sense of privacy and anonymity. Simply put, this differs from what US gaming agencies are looking for in a casino payment solution. The 'Know Your Customer' (KYC) laws and regulations regarding US-based online casinos continue to grow annually. Deposit methods that hide or cover the source of funds are not something that most state regulators are likely to endorse or sign off on in the near future, despite the fact that Crypto has much more to offer than just anonymity.

The first thing to know is that not all credit cards are equal when it comes to online casinos. There are several different credit card options including American Express, Discover, Mastercard, and Visa. In addition to charging hefty fees to casinos, American Express has also been known to charge cash advance fees on individual customer deposits to online casinos. The option to use an American Express card may not be as widely available as Visa or Mastercard options.

Discover is another option that may be limited. Beginning in April 2024, they have also started charging a cash advance fee on all gambling deposits. Please check the list of available deposit methods at the online casino of your choice. Visa and Mastercard may also charge a fee higher than 3-5%, or $10, whichever is higher. But some do, and some don't, so you will need to talk with your card issuer to find out their fees. There are no cash advance fees, and as long as the card has a Visa or Mastercard logo, it has a 99% acceptance rate.

These fees are one of the many reasons that most people typically use debit cards for cash deposits. The number of debit cards that can be used is fairly high as well. Some are compatible with Trustly whereas others must have info inputted directly.  When you deposit money, the funds are pulled directly from your bank account, and when you make a withdrawal, the casino will credit that money directly back into your bank account using your debit card.

While we aren't sure that the 'cash is king' slogan still holds up today, there is still a traditional cohort that prefers to only make deposits and withdrawals with physical money, and online casinos haven't abandoned these folks. Many online casinos, even those that don't have a physical presence in one of the seven states where real money online gambling is allowed, will still allow you to deposit money with their host land-based casino for instant deposit to your online account. For example, you must have partnered with a land-based casino to have a casino license in New Jersey. So, you may see a deposit option for a casino in Atlantic City that has nothing to do with the online casino you are playing at. You can deposit or withdraw immediately using the cash at the cage option. You won't need to use an app or a computer; simply walk in and make your transaction.

Like Apple Pay, you can use Google Pay (aka 'Google Wallet') to make deposits and withdrawals if it's your digital wallet of preference. This is a convenient way to pay as you can add any preferred payment methods, check your transaction history, and update your Google Pay settings from the same place. While this is predominantly a preferred payment method of mobile play users with Android devices, it differs from Apple Pay in that it can be accessed and used through a browser as opposed to being mobile only.

PayNearMe partners with local quick-shops and bodegas to offer a way for you to take cash to a nearby retailer and have them deposit it into your account. It's handy and quick, but the retailers will want a fee for the service, which can affect both your deposits and withdrawals.

PayPal has more than 400 million active users worldwide and can be used for online payments at almost all US online casinos. This deposit method is again popular because it doesn't let the casino see your banking info, but it is quick, fast, and easy to use for both deposits and withdrawals. Some people are also concerned that their bank or credit card provider may not look kindly at online casino payments, so using PayPal helps keep the transaction discreet.

While Skrill is less widely available than PayPal, it is available at plenty of mainstream online casinos. Deposits are instant, and withdrawals usually take only a few hours when using this e-wallet. Skrill is a popular choice for anyone who would prefer to complete transactions using cryptocurrency as well.

Venmo is widely accepted at many online casinos, including two of the biggest: DraftKings and FanDuel. One interesting caveat is that you will need to use Venmo to make a deposit at the online casino before you can make a withdrawal, but this is more or less true with many of the deposit methods on our list.

Wire transfers may be needed for large deposits. Most online casino's ACH transfers are limited to under $5,000. Wire transfers are highly secure, and most online casinos will not charge you a fee for using them, but most likely, your bank will. Still, wire transfers are hard to beat if you need to deposit a large sum safely.

Every online casino site will also offer a host of withdrawal methods. Most withdrawals need to be reviewed manually, so there are few instant transfers, though some can be accomplished in less than an hour. Many others may take days, depending on several factors such as the timing of your withdrawal, the actual online casino banking rules in effect, and the online casino payment method you've chosen for your withdrawal.

Another thing to keep in mind is that generally speaking, your deposit amount must be returned using the method you used to make it. For instance, if you've deposited $100 using your debit card, the first $100 of your withdrawal must be returned to that same debit card. Generally, a bank transfer or e-wallet transaction will result in the quickest withdrawals, with credit card transactions not far behind. Remember that some withdrawal processes, like PayNearMe, may incur additional fees.

Millions of these transactions are made daily, and there is very little likelihood of your information being intercepted. US online casino regulations require the highest forms of encryption and detail exactly what information can be stored, where, and under what security.

You need to be much more wary of making sure you are sending your information to the right place. Thieves may attempt to set up look-alike websites that might fool you into depositing money into phony gambling sites. Or they may reach out using text, email, or phone calls to attempt to trick you into giving up your passwords, sign-in information, or bank accounts. Of course, this doesn't just go for online gambling businesses. You should strive to ensure you always navigate to the official online casino site and guard your password religiously.

Different online gambling sites may have very different processing times for withdrawing funds. Please make sure to read the terms and conditions for withdrawals to fully understand each casino's different time frames for each type of withdrawal. Most casino operators will require a manual review of your account no matter which withdrawal method you choose; this will take some additional time when withdrawing money. Additional security measures may be required to make sure the money goes back to the actual person who deposited it, so bear with them as they work to transfer funds.

When you're finally ready to play some casino games for real money, there are some crucial factors to weigh before you make that first casino deposit. Online casino players should carefully weigh the following factors.

• Safety: Whether you are using prepaid cards or other payment methods, you want to make sure that you have carefully reviewed the casino for any safety concerns. A quick Google search should tell you everything you need to know. If people have reported issues with casino sites' security precautions or payment options, these reports may appear in a Google search. Always protect your personal and financial information and be sure you know who you're communicating with.
• Payment Methods & Payout Speeds: How fast will your deposit be credited to your account? Only in very narrow and specific instances should your deposit not be instant. All popular payment methods should be immediate. Check the minimum deposit for your chosen method. Minimum e-wallet deposits should never be less than $10, and the best payment methods should have a minimum of $5. For most methods, withdrawal times should be at most 48 hours, and anything much longer than that needs an explanation.
• Transaction Fees: This one is simple; you shouldn't be paying transaction fees for deposits or withdrawals. Now, if you are requesting a check be sent overnight via FedEx, well, that's different. Or if your bank or the retailers in programs like PayNearMe expect to make a little money off you, that is between you and them, but the casino, in almost all circumstances, shouldn't be charging you fees.
• Welcome Bonuses & Other Ongoing Promotions: Casino bonuses can make a huge difference when it comes to extending playtime. Some of the casinos listed below will match your initial deposit of up to $2,500 in casino credits. Others may give you a 10% redeposit bonus at certain times so you can restock your account. While these bonuses can be lucrative, they come with a mountain of terms and conditions. Before ever making a deposit, ensure that you understand all the hoops you will need to jump through to qualify for these bonuses, how long you have to do it, and what casino games are eligible for the promotion.

Although we'd recommend any real money online casino mentioned on this page, there are a handful that stand a cut above when specifically looking at payment methods. As such, we'll break down our top-5 casinos for payment methods below!

Being able to move money to an online casino account instantly is great, but obviously, it can also be perilous if you have a gambling problem. Make a budget and only gamble what you can afford to lose; use the various tools provided by online casinos that limit how much you can deposit for a day, week, or month. Set time frames so that you don't waste hours on gambling that you don't have, and if things start to feel like they are getting out of hand, use the software provided to take some time off and self-exclude. Set these limits up before you even make your first wager. If you or someone you know think they might have a problem gambling disorder, please know that you are not alone. Reach out to 1-800-Gambler, either on your phone or online, and they will put you in touch with people who can answer your questions and get you the help needed.