The Best Online Casino Banking Methods For 18+ And Up 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 one of the most trusted online casinos to 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.

Best Online Casinos Offering Easy Deposit Methods For 18+ Players

Site NameBonusAgeUSAVisit Site
1Bovada Casino100% Max $3,00018+Play Now Full Review
2Slotslv Casino200% Max $5,00018+Play Now Full Review
3logo for cafe casino350% Max $2,50018+Play Now Full Review
4logo for Ignition Poker150% Max $3,00018+Play 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

Crypto Wallet IconCryptocurrency 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 trusted 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 (BTC)

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 there are no maximum caps per transaction.

Bitcoin Cash (BCH)

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.

Cardano (ADA)

18+ Cardano casinos are few and far between, but some of the best online casinos have recently started accepting the popular cryptocurrency. Players who deposit with Cardano ADA experience reliable and safe transactions, bigger casino bonuses, same-day payouts, and access to one of the most compelling crypto assets on the market.

Dogecoin (DOGE)

Dogecoin is the new kid on the block in the crypto world and online casinos have started to take notice. 18+ dogecoin casinos are available to US gamblers and the perks of betting with the popular cryptocurrency are similar to those that use Bitcoin.

Dogecoin offers quicker deposits, quicker payouts, secure transactions, and lucrative bonus options. Who wouldn’t want that?

Solana (SOL)

Solana is much like Cardano, as it’s a third-gen PoS crypto coin that supports smart contracts, non-fungible tokens (NFTs), decentralized finance (DeFi), and more. It’s also possibly the fastest and cheapest online crypto casino option, with transfers that take just 5-10 minutes and cost fractions of pennies on the dollar.

Like ADA and many other betting cryptos, coins for Solana (SOL) casinos are a great investment and a top-10 cryptocurrency asset.

TRON (TRX)

During the 2022 crypto crash, TRON proved itself the most resilient coin in the cryptocurrency top 25. As such, several trusted 18+ TRON casinos have now added the popular TRX coin to their cryptocurrency betting menus. TRON is extremely fast, virtually fee-free, and supports TRX staking.

Ethereum (ETH)

18+ Ethereum casinos have risen in popularity alongside the cryptocurrency’s acceptance in the online gambling market. Like Bitcoin, Ethereum makes transactions faster and reliable and can have you gambling in a matter of minutes instead of hours.

Online casinos such as Bovada caps Ethereum deposits at $5,000 and only accept a minimum of $50 (ETH).

Litecoin (LTC)

18+ Litecoin casinos are now more relevant than ever since online sites started accepting altcoins as a valid deposit and withdrawal method. Online players often use Litecoin as a banking option to take advantage of faster turnaround times, crypto bonuses, and lower processing fees.

Like the other cryptos on this list, Litecoin transactions are generally capped at $5,000 per transaction. 

Other Altcoins 

While all major 18+ online casinos accept the above crypto coins, most sites also accept a selection of other altcoins in their banking menus. These include Stellar (XLM), Ripple (XRP), Chainlink (LINK), USD Coin (USDC), Tether (USDT), Polygon (MATIC), Avalanche (AVAX), Binance Coin (BNB), ApeCoin (APE), Shiba Inu (SHIB), and others.

Each option has its own benefits and detriments in terms of blockchain fees and transaction times. All cryptos come with the same access to enhanced bonuses and same-day payouts, though Bitcoin in particular often comes with exclusive extra perks.

Credit Card and Debit Card Deposit Options

Two Credit Cards IconTypically, the sites we recommend accept Visa, Mastercard, American Express, and sometimes eve Discover Card deposits. 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.

Popular Credit Cards Offered For Depositing Funds

Visa

Both Visa credit and 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 18 and up 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.

Alternative Options

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-Bitcoin deposits.

Not every bank in the US offers this new instant-pay service, but the vast majority do. 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.

You can also use Zelle with casino vouchers, player transfers, and the MatchPay service at participating sites. This allows you to buy member account balances directly from other members or sell your own account balance to other site members to facilitate P2P rapid payouts.

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.

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.

Other Popular Banking Options Used For Both Depositing Money And Cashing Out Winnings

Available Deposit Match Bonuses at 18+ Online Casinos

Bag Of Bonus Money IconThe recommended brands in this guide each offer unique Welcome Bonuses for first time players, some even reward players more for depositing in Bitcoin and other supported crypto coins (aka altcoins).

In general, when a site advertises a Bitcoin bonus, that bonus is good for any kind of crypto deposit as well. 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, Check by Courier, Wire Transfer, vouchers, and MatchPay. Crypto 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 1-2 hours at most.

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.

Expected Payout Time When Requesting A Withdrawal

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.

Vouchers and MatchPay are supported only by select sites, and these allow members to buy and sell account balances directly between one another. This means that previously off-limits banking methods like PayPal, Venmo, Cash App, Zelle Pay, Apple Pay, Google Pay, Samsung Pay, Square Pay, and other options are now viable bet funding avenues.

Same Day Payouts With Crypto

Using crypto currencies as your preferred method of payout will allow you to receive your funds the quickest. The trusted sites we endorse are known for offering fast and reliable payouts, often processed on the same day as you request it.

Such withdrawals are often referred to as same-day payouts, but they can take longer depending on the demand for vouchers/MatchPay transfers at your site.

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. Of course, if you prefer the investment potential or reduced wait times and native blockchain fees of other cryptos, the sites we recommend each support several different options.

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/crypto 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/crypto must first open a digital wallet and purchase their crypto on an exchange. The value of their fiat currency will be converted into crypto and held in their wallet until they send that crypto to the casino of their choice from their wallet using their wallet address. Each casino we recommend offers step by step instructions for using cryptocurrency 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 (among others) do not incur any fees.

That said, all crypto coins do come with native blockchain transaction fees that are parts of the crypto platforms themselves, and these vary coin to coin (but are always comparatively minimal). Voucher/MatchPay transfers have no added fees for deposits or withdrawals.

When Can I Withdraw 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.

And as always, if you use crypto, you get the added benefit of extremely strong blockchain security.

What Is The Best Way To Manage A Bankroll When Gambling For Real Money?

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.

*Disclaimer: All of the above 18+ online casino banking options may be used for legal online gambling. However, these brands and services are not affiliated with this or any other online gambling resource or service.