The Best Online Casino Banking Methods For 18+ Adults

bank iconThis page is dedicated to explaining the various available deposit methods for online 18+ casinos, our recommendations for the best banking method, and answers to various financial and security questions.

It is common for new players and young adults looking to engage in online gambling to find navigating the deposit methods and withdrawal options a bit daunting.  This guide intends to answer relevant concerns in one convenient place.

For new players, we always suggest evaluating the banking suite at an online casino first and make sure you are happy with the options and withdrawal choices that are available. No matter how much you are drawn to a specific 18+ casino online, if you can’t successfully make a deposit into your account, there is no real money gambling action to be had.

Players will find that several destinations also offer deposit bonuses for using specific forms of payment which we explain below, and we also recommend that you read our article on how  18+ players can learn to manage their casino bankroll before you make any real money deposits.

Best Online Casinos Offering Easy Deposit Methods For 18+ Players

Site NameBonusUSAVisit Site
Bovada Casino100% Max $3,000Play Now Full Review
Slotslv Casino200% Max $5,000Play Now Full Review
Cafe Casino500% Max $5,000Play Now Full Review
Ignition Casino100% Max $1,000Play NowFull Review

Available Deposit Methods at Trusted & Reputable 18 Plus Casinos

Below is a list of available deposit methods for 18+ online casinos. Each deposit method can incur fees, have processing times, and limitations. Usually, upon attempting a deposit for the first time and every time after, this information will be readily available in the cashier’s section.

Cryptocurrency Deposit Options

Cryptocurrency is a decentralized alternative currency that is available to players 18 and over. Bitcoin casinos are favored because using Bitcoin offers anonymity and superior security. It is a lot harder to steal cryptocurrency than it is to steal credit card numbers and subsequent identities. Cryptocurrency is being accepted more and more by online casinos due to the fact that it provides the fastest casino payouts  and the fact that no fees are charged to players by the casino for using them.

Bitcoin

Bitcoin otherwise known as BTC is considered the original cryptocurrency. This long-standing coin has more name recognizability and use than other, newer altcoins. The minimum deposit amount for Bitcoin at an online casino is $10 while maximum deposits are capped at $5,000 per transaction.

Bitcoin Cash

Similar to Bitcoin, Bitcoin Cash branched off Bitcoin’s original blockchain and became its own altcoin. This cryptocurrency is also widely used and unknown due to its relationship to Bitcoin. Minimum deposits for Bitcoin Cash at these online casinos is $10. Bitcoin cash deposits are capped at $5,000 per transaction.

Zelle Deposit Options

If you have a US bank account and are at least 18 years of age, you are almost certainly eligible to use 18 and up online casinos accepting Zelle. Not every bank in the US offers this new instant-pay service, but the vast majority do, and many 18+ online casinos now advertise support for the platform. As long as your bank is a participating Zelle provider, you can use this free service to quickly and safely purchase Bitcoin from LocalBitcoins.com, allowing you to make betting deposits faster than ever.

Keep in mind that Zelle isn’t a direct way to fund your online gambling account, but it is the fastest way to purchase Bitcoin, which is in turn the best deposit option at any 18+ Internet casino. In the past, traditional banking methods meant that you had to wait for up to 10 days for your Bitcoin purchases to clear. That’s a nonstarter for most online gamblers, and it’s been a big roadblock to BTC adoption. With Zelle, however, you can buy Bitcoin in just a few minutes, and then you can deposit with that BTC at any 18 and up casino site.

Chase QuickPay Deposit Options

Chase QuickPay is a simplified and streamlined way to purchase Bitcoin to use for funding your online casino account. We’ve only seen this option on a few online casinos, including some of the ones you see listed here. Once you click on the option, you’ll find step by step instructions for purchasing your bitcoin and sending it to fund your account.

Credit Card and Debit Card Deposit Options

Typically Visa, Mastercard, and American Express, sometimes Discover Card. Minimum deposits are usually $20-$25 and capped at $1,000-$1,500 per transaction for new players. Continued account activities often allow players to earn increases in their deposit and withdrawal limits. Online casino brands typically charge transaction fees for credit and debit card deposits that fall somewhere between 4.9% – 5.9%.

If considering using a bank linked card to deposit funds, we suggest young adults utilize debit cards rather than credit cards. Why? Credit card balances and timely payments can directly affect the future financial landscape for young adults. Therefore, it is better to gamble with money you currently have rather than need to owe back later.

Credit and debit cards linked to major financial institutions can possibly be declined due to the UIGEA restrictions, a US federal gambling law which closely regulates how gambling related transactions are processed. While transaction failures do occur, cryptocurrencies, such as Bitcoin and Bitcoin Cash, are great alternatives.

Visa

Both Visa credit cards and Visa debit cards are accepted at most 18+ online casinos.  As the most widely used credit/debit card brand in the US, we see the greatest transaction success rates with Visa cards.  Prepaid Visa debit cards and gift cards will only work if the card is specifically authorized for international purchases.

MasterCard

Like Visa, both credit cards and debit cards issued by MasterCard are accepted at most premium online casinos.  As another widely used brand, transaction success is very common with MC cards, just not quite as frequently as Visa cardholders enjoy.  It’s definitely still worth giving it a shot though.  Again, if you have a prepaid MasterCard debit card or credit card, you can only use it at offshore online casinos if it is authorized for international use.

American Express

American Express, or Amex, is a credit card brand that is not as widely used as Visa and MasterCard, particularly with younger players.  American Express has typically been more closely associated with business accounts or the very wealthy.  While this has changed somewhat over the years, it is still the least used of the three credit card brands listed here. That being the case, we do see slightly more transaction declines for Amex deposits. There is not a huge gap in transaction success across all three card brands, but Amex cardholders might experience it more often.

With all the credit card brands, if you experience challenges in getting approval, Cryptocurrencies are a great alternative.

Wire Transfer Options

Wire Transfers are not available for deposits but rather withdrawals – sometimes. Online casinos like Bovada and Cafe Casino may allow Wire Transfer payouts to some members. This option is not offered to every player and is at the discretion of the online casino itself to offer this payout option.

Available Deposit Match Bonuses at 18+ Online Casinos

The recommended brands in this guide each offer unique Welcome Bonuses for first time players, some even reward players more for depositing in Bitcoin. Below we will break down each casino’s Welcome Bonus:

Bovada Casino Deposit Bonuses

  • Welcome Bonus: 100% Match Bonus up to $1,000 in free funds. This bonus is redeemable 3 more times.
  • Bitcoin Bonus: 150% Bitcoin Casino Match Bonus up to $1,500. This bonus is redeemable 3 more times.

Claim Your Bovada Casino Bonus


Slots.lv Casino Deposit Bonuses

  • Welcome Bonus: 200% Match Bonus up to $1,000 in free funds, and a 100% Match Bonus up to $500 on each deposit then after, redeemable 8 times.
  • Bitcoin Bonus: 300% Match Bonus up to $1,500 in free funds for initial Bitcoin deposits, and a 150% Match Bonus up to $750 in free funds on each Bitcoin deposit then after, redeemable 8 times.

Claim Your Slots.lv Bonus


Café Casino Deposit Bonuses

  • Welcome Bonus: Choose between a 500% Match Bonus up to $5,000 in free funds with a 10x max cash out or a 100% Match Bonus up $1,000 in free funds with no max cash out.
  • Bitcoin Bonus: Choose between a 600% Super Play Bitcoin Match bonus up to $6,000 or a 150% No Max Bitcoin Match Bonus up to $1,500.

Claim Your Cafe Casino Bonus


Ignition Casino Deposit Bonuses

  • Welcome Bonus: 100% Match Bonus up to $1,000 in free funds
  • Bitcoin Bonus: 200% Match Deposit Bonus up to $2,000 for an initial Bitcoin deposit.

Claim Your Ignition Casino Bonus


Available Withdrawals Methods for Players Who Are 18 and Over

With the online casino brands mentioned here, 18+ players can utilize the following payout methods available – Cryptocurrency Bitcoin and Bitcoin Cash withdrawals, Check by Courier, and sometimes Wire Transfer. Bitcoin and Bitcoin Cash payouts are by far the fastest way for 18+ players to receive their money. After a requested withdrawal is processed, cryptocurrency winnings will typically appear in the player’s wallet within the hour.

Check by Courier payouts can take 7-15 business days – business days excluding the weekend. Therefore, this payout method takes the longest, which means 18 plus players must wait an extended period of time for their winnings. This expected delivery date does not account for withdrawal request processing times.

The processing of withdrawal requests can take anywhere from 1-5 days. Some casinos may have cut off times where withdrawal requests must be made in order to process and payout players in a timely manner. Typically, this cut-off date is a Friday; late requests are then processed on Monday.

Our Recommendations for Best Banking Methods When Funding Online Casino Accounts

We wholeheartedly recommend utilizing cryptocurrency like Bitcoin for deposits and withdrawals while gambling at the online casinos mentioned in this guide. Not only do Bitcoin deposits and withdrawals work quickly, but they are also secure, decentralized, and the most accepted banking method across the online casino gambling industry. Bitcoin is also an extremely versatile cryptocurrency and online casinos reward players generously for using BTC on their platform.

FAQs About Online Casino Banking For Young Adults and 18+ Teens

Where Is My Money Now that It Is Out Of My Bank Account?

The answer to this depends on whether players deposited with Bitcoin or credit/debit cards. Successful card transactions between a bank and the online casino of choice will show the funds available in the player’s bankroll when they log onto their online casino account.

Players who intend to use Bitcoin must first open a digital wallet and purchase Bitcoin on an exchange – the value of their fiat currency will be converted into BTC and held in their wallet until they send those Bitcoins to the casino of their choice from their wallet using their wallet address. Each casino we recommend offers step by step instructions for using Bitcoin as a funding method.

How Will My Online Casino Transactions Show on My Bank Statement?

Often, to avoid any issues with the UIGEA and potential card declines, online casinos like the ones shown here will change their transaction code and name to something inconspicuous. The online casinos will often change this code and name to stay a step ahead of banks and ever-changing coding policies. This method isn’t to necessarily trick banks but rather to allow players to use methods that are the most comfortable for them to gamble with.

What Kinds of Transaction Fees Would I Be Looking At?

Certain online casino destinations charge processing fees for deposits and withdrawals. Depending on the method chosen, fees could be incurred. Fees are typically associated with card deposits and Check by Courier or Wire Transfer payout methods. However, cryptocurrency deposits and withdrawals through coins like Bitcoin and Bitcoin Cash do not incur any fees.

When Can I Withdrawal My Funds?

The answer to this depends on whether a player utilized any bonuses. Bonuses come with terms and conditions which must be met before a player is eligible to withdraw their funds. These requirements are usually playthrough rates, rollover rates, and max cash out rates.

Players who did not redeem a bonus can withdrawal from their online casino bankroll at any time, so long as their online casino account is not negative and meets the minimum withdrawal requirements for the available payout methods.

Do I Need to Report My Winnings To Anyone?

This depends on the state that 18+ players are located in; some states require players to report winnings to the IRS while others have certain thresholds that if not exceeded do not require reporting. Our page on what to do with gambling winnings explains this concept further and breaks down each nuance for young adults.

What Are Free Money Games?

Most eighteen and over online casinos offer free play casino games. These games can be table games, lotteries, slots, video poker, bingo, and other specialty games. Free money games allow players to participate in the game without risking any of their funds and allows players to try out their casino environment before making the decision to deposit any funds into their account.

Found a game you like? Switch from free play mode to real money mode and wager to your heart’s content.

Is My Financial Information Secure?

Yes, the online casino destinations here all utilize secure software, high-level security profiles, firewalls, anti-virus protection, anti-malware software, and military-grade 128-bit data encryption. Not only do these online casinos offer reliable security for player accounts and information, but they also employ a 24/7 rotating online software security team to monitor their site for any suspicious behavior and potential attacks.