Bank cards have become one of the most preferred payment methods in the world. They can be used at nearly every store we visit, as well as on the Internet, where they are the primary way to pay. The best part is that they offer consumers a level of convenience that was unavailable before their creation. Paying everything in cash can be cumbersome and impractical, especially when depositing at an online casino. Credit and debit cards have been a valid payment option when moving money between your bank account and your online casino balance. They are the preferred deposit method for many gamblers worldwide, allowing for easy and convenient deposits and withdrawals. In this article, we will cover all aspects of using a bank card for gambling purposes.

| Credit and Debit Cards Summary | |
|---|---|
| Available in | Worldwide |
| Website | N/A |
| Connecting bank card/account to a credit or debit card | N/A |
| Withdrawal balance from a credit or debit card to your bank card/account | N/A |
| Pay to online merchants | N/A |
| Available for deposit | Yes |
| Available for withdrawal | Yes |
| Usual deposit time in online casino | Instant |
| Usual withdrawal time from online casino | Up to several business days |
| Live chat | Yes |
| Telephone support | Yes |
| E-mail support | Yes |
Credit/Debit Card Registration Process
Every online casino player dreams of winning a life-changing prize. However, the first thing they should think about is how to fund their account. With a diverse assortment of online processors, casino enthusiasts can easily pick a solution that meets their gaming needs and requirements.
Since the very beginning of the online gambling industry, credit and debit cards have been among the most popular and widely-accepted payment solutions at interactive casinos across the globe. Below, we outline several important aspects of using credit and debit cards for gambling-related purposes.
- Let us start by listing the most popular brands that can be used at online casinos. These brands are widely known for issuing credit and debit cards, as well as gift and prepaid cards. The four most popular brands are VISA, Mastercard, American Express, and Discover. The brands’ acceptance across online casinos varies, and the fastest way to check their availability is to navigate to the cashier section of the online operator and look through the supported processors.

- The next thing players might wonder about is how to replenish their casino balance using a credit or debit card from the brands mentioned above. The process is straightforward and very similar to other online purchases. They should navigate to the cashier section of the online casino where they have an account.

- Once users select the credit/debit card funding option, they will be prompted to enter the required details, including their card number, expiry date, and the security code found on the back of the card.

- The next step of the process requires casino players to enter the amount they wish to deposit.

- Once players complete the process, their funds should appear instantly in their casino balance, and they can start playing immediately. They can easily check this by looking at the section showing their available casino balance.

How Credit/Debit Cards Work
Advantages and Disadvantages
There are several important advantages and disadvantages associated with making credit and debit card payments. Below you will find the inherent pros and cons of both debit and credit cards.
The advantages of debit cards include the opportunity to make instant transactions at the click of a button. The main advantage of a debit card is that you cannot spend more than you actually have in your bank account. This way, you can allocate only the funds you need to the debit card and use just that amount. This is a way for problem gamblers to keep their addiction in check. In a sense, debit cards behave much more like prepaid vouchers, except that they are rechargeable.
While they provide us with many benefits, debit cards are not without shortcomings. For starters, you will always be limited to the amount of money that you have in your bank account, and, unlike with credit cards, you cannot borrow additional funds from the bank. This could be especially frustrating if you cannot cover the minimum deposit or qualify for a bonus.
More Advantages and DisadvantagesCredit cards are different from debit cards because the money you are spending is not technically yours. When you make a credit card transaction, the bank extends credit to you, which you use to cover the cost of the payment. Essentially, the bank is loaning you money, which you must repay at a later date. This practice comes with its own advantages and disadvantages.
One advantage credit cards have over other payment methods is that you always know how much credit can be extended to you at any point in the month, regardless of your actual means. This allows you to cover charges you might not normally be able to afford. Furthermore, credit cards are a common method of payment, and you can use them just about everywhere. Additionally, since every purchase and payment is documented on your bank statement, you can easily keep track of what you are spending money on.
In spite of the convenience they provide, credit cards can have significant disadvantages. Since the money you spend with a credit card is not yours to begin with, you will have to pay it back. If you are not careful, this could lead to you piling on a lot of debt, along with interest. Because most banks allow you to pay only a fraction of your debt each month, many consumers choose that option and ignore the rest. Rollover debt is a very serious problem in today’s world because it keeps growing. The situation is drastic because with each rollover the already incurred debt is subject to interest, and with each passing month it becomes larger.
Furthermore, there is also the possibility of going into overdraft, which occurs when you receive more credit than you were initially assigned. This results in even more fees and is overall unpleasant. Also worth keeping in mind is that not everyone will be eligible to receive a credit card. Banks review the credit history of each applicant, and if you do not have a good track record, you will most likely be denied.
An aspect sometimes overlooked is that credit card companies are not always fond of online casinos. MasterCard, for instance, has taken a stance against the online casino industry and has effectively disallowed withdrawals of winnings to its cards. Deposits are still possible, but receiving your winnings is not. MasterCard holders are forced to utilize another service if they ever want to cash in their money.
Some users may be anxious about handing over their bank card data to just anyone. Unfortunately for them, whenever you make a payment with the card directly, you are required to enter the full details of your credit or debit card. While this is very unlikely to result in any actual problems, a good number of consumers are still reluctant to give that information.
The final argument against credit cards is that not all are treated equally. There are five major credit card brands accepted at online casinos: Visa, MasterCard, American Express, Discover Card, and JCB. Out of those five, only Visa and MasterCard can be used freely at most, if not all, online casinos. The others can be used on a case-by-case basis. Casinos that accept American Express and Discover Card can be found, though they are not as common as the previous two. JCB support, on the other hand, is almost non-existent. JCB Co., Ltd. is a Japanese company, and despite having some market presence in North America, its primary user base is located in Asia. For this reason, any online casino mainly targeted at Europeans, with the exception of the largest brands, will most likely not accept this card. In this market, Visa and MasterCard seem to be your best options, even if you cannot withdraw to your MasterCard card.
| Credit and Debit Cards Pros | Credit and Debit Cards Cons |
|---|---|
| Instant deposits | Might not serve as a cashout method |
| Safety | Cashouts might take longer |
| Ease of use | Some operators charge additional fees |
| Widely accepted |
Using Credit and Debit Cards for Gambling Transactions
The use of credit and debit cards at an online casino is just as simple as doing it at any online store such as Amazon or eBay. At every online casino, there is a cashier page where you can manage your money. There you will find the deposit feature. Clicking on it will bring up all of the possible payment options. Selecting the credit/debit card option will allow you to see all of the accepted bank cards. Following that, you will be required to enter your card information. This includes the name on the card, the number, the expiration date, and the CVV code on the back. Once that is done and you have confirmed the transaction, the money will be taken from your account and added to your casino balance.
| Credit and Debit Card Gambling Transactions | |
|---|---|
| Supported transactions | Deposits and withdrawals |
| Deposit pending time | Instant |
| Withdrawal pending time | Several working days |
| Additional security | CCV |
Fees for Gambling Transactions
When it comes to making transactions with an online casino, the fees for depositing and withdrawing are not so different from any other online purchase. The company that provides the bank card transaction service will impose its charges on each transaction. What has to be considered in this scenario is who will bear the cost of the transaction. In most cases, it is the casino itself that pays the service charge. This is a very consumer-friendly way to do business, but not all websites follow this logic. Some casinos will impose a commission on bank card deposits, so it is the user that takes on the cost of the transaction. This fee usually falls in the 2.5%-5% range, not really a substantial amount unless you are depositing large sums of money. This applies to both deposits and withdrawals and makes players more considerate about how much they are willing to withdraw and deposit each time.
This service charge imposed by the credit card companies is what makes bank card deposits undesirable to online casinos. You will often find that other payment services are much more consumer friendly in terms of fees, commissions, and transaction wait times.
| Credit and Debit Cards Fees | |
|---|---|
| Gambling deposit fee | Varies |
| Gambling withdrawal fee | Varies |
| Bank account deposit fee | N/A |
| Bank account withdrawal fee | N/A |
| Credit/debit card deposit fee | Varies |
| Credit/debit card withdrawal fee | Varies |
| Maintenance fee | Varies |
Processing Times (for Gaming Transactions)
The movement of money to and from an online casino usually takes time. The vast majority of online payment services used to deposit money into an online casino usually allow the user to have immediate access to their funds so that they can start playing at once. This means that as soon as the transaction is made, the player can start a game. However, this is only the case for deposits. When the user wants to withdraw their winnings, they will have to wait between 1 and 5 business days for the transaction to clear. This is because the money is put on hold and information needs to be exchanged between all relevant parties. Such is the case when making any card transaction, regardless of where it is. At this point, some people may ask, ‘Why is it that the casino can take my money instantly, but when I withdraw it, I have to wait?’. This is a valid question that may raise concerns among some groups. The reality of the situation is that the casinos do not receive your money immediately. They are subject to the same wait times as the player. However, instead of inconveniencing the user by forcing them to wait for the transaction to clear, the casinos simply allow them to play with that balance.
A thing that should be taken into consideration is that almost every casino reviews each withdrawal request prior to sending the transactions. This pending process usually takes up to 48 hours, and only after the review is done will the payment be sent. This can further increase the wait time between the moment you request a withdrawal and the moment you receive the funds.
| Credit and Debit Cards Processing times | |
|---|---|
| Gambling deposit time | Instant |
| Gambling withdrawal time | Depends on the casino |
| Bank account deposit time | N/A |
| Bank account withdrawal time | N/A |
| Credit/debit card deposit time | N/A |
| Credit/debit card withdrawal time | N/A |
Mobile Payments
Nowadays, mobile devices play a huge role in our lives. We use them incessantly, and online casinos have noticed this. As a result, we now have the option of playing our favorite casino games on our smartphones and tablets. This also begs the question: how is the deposit and withdrawal procedure different on mobile? In truth, there is absolutely no difference whether you are paying with your card on your desktop PC or on your mobile device. The mobile version of an online casino will still feature the same payment options, and the process of making a deposit is still the same. You will be required to enter your card information if you have not done so previously, enter the amount you wish to deposit, and confirm the transaction. The processing times are still the same: instant for deposits and 1 to 5 business days for withdrawals.
| Credit and Debit Cards Mobile Payments | |
|---|---|
| Apple pay | No |
| Google pay | No |
Security at Online Casinos
<img src="https://supercasinosites.com/wp-content/uploads/2021/02/online-casino-deposit_security.svg" alt="Security at Online CasinosWhen we spend money online, it is only natural to think about the security of our personal information. This includes names, addresses, dates of birth, emails, payment information, etc. Identity and credit card theft are real issues currently, and it is completely reasonable to worry about how accessible that sensitive information actually is. To alleviate those concerns, online casinos implement cutting-edge security systems to safeguard all of your personal data. Using state-of-the-art encryption technology, all personal and banking information is encoded in such a way as to make it unreadable in the event that any data is stolen. Even the simplest 64-bit encryption requires four to five years to be broken, and that technology is considered obsolete by today’s standards. Most online websites use 128-bit or 256-bit encryption, which would require centuries to be decrypted using brute force with today’s technology. To put it plainly, your information is completely safe, and in the unlikely event that any data is stolen, it will be unreadable.
If you are concerned about a particular online casino abusing your information, you should put your mind at ease. All countries have laws that protect personal data and ensure its safety. These laws are enforced by government agencies, and you can rest assured that your personal information will be safe. Of course, you should not rely solely on that and you have to do your due diligence before choosing an online casino. Ideally, you are looking for a reputable casino with a good track record.
| Credit and Debit Cards Security | |
|---|---|
| Passcode | N/A |
| Fingerprint | Yes |
| FaceID | N/A |
| Two-factor authentication | Yes |
| Trusted devices | N/A |
| IP Restrictions | N/A |









