When it comes to playing and depositing real money in online casinos, and to online purchases in general, credit cards and debit cards are the main payment options, the main way for people to make purchases, to load gambling accounts, and to pretty much do everything else.
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In this guide we will look at these payment methods in a little more detail, covering the online casinos that accept them, the ways that you can use them, and much more. If you ever had any questions about this particular payment method and its application on online casinos, then this guide will almost certainly answer them.
Debit Card Casinos: The Basics
There are many different debit cards and credit cards out there, and while most sites accept all of these, that is not always the case. You will find that the majority of sites focus on Visa, MasterCard, American Express and Discover. These are the biggest brands and account for the vast majority of card users out there.
Do not worry if you think you have a card under a different name, because even cards that carry an alternative brand, tend to be connected to one of these, and in most cases they are either MasterCards or Visas.
The Best Debit Card Casinos
Finding the best credit card casinos and the best debit card casinos, is literally just a case of finding the best casinos, as they all accept these methods. Luckily, we have done just that. We have played and reviewed hundreds of casinos to list the very best ones, making your job easier.
Debit Card Casino Bonuses
If there is a bonus offered by a casino, then you should be able to scoop it by using a credit or debit card. In fact, because these methods are so widespread, you can pretty much guarantee that if an online casino is offering a bonus, then you can pick it up by using your card. To learn more about online bonuses, including the many different ones out there like no deposit bonuses, read our guide here.
Why Use Debit Cards?
There are many reasons to use these methods, not least of which is the fact that you probably have all that you need to use them. You might not have an account with PayPal, Neteller or Skrill, and you might not be able to use eChecks, prepaid cards or other methods like Bitcoin, but there’s a good chance you have a credit or debit card and that you know how to use it.
5 Tips for Using Debit Cards
Check the Fees
Before you use your credit card, you should check that the site you are using does not charge fees for deposits and withdrawals. Most of them do not, but that does not apply to all of them and you do not want to be stung with surprise fees.
Know Your Supplier
You should also look into whether or not your card issuer will charge you any fees. Many of them charge what is called a “Cash Fee” whenever you use your card to withdraw cash. Believe it or not, this fee is also charged when you make deposits into online gambling accounts.
If you are going to start using your debit card at a number of online casinos, then at the very least you should check to ensure that you only use casinos that are secure, and casinos that are verified. At the most you should try to limit the money that is in your bank account, just in case anything does go wrong. You wouldn’t want to lose everything you have in an instant.
Know The Details
Casinos are rarely straightforward on whether or not you can withdraw back to a credit card, even if you deposited using that card. Some of them will only let you know it is not possible after you try to withdraw, but some of them simply won’t list the credit card as a withdrawal option. Make sure you do your research in advance, and if you are not sure, contact the casino.
Pick a Popular One
If you’re choosing a new card solely to gamble with, choose one that is branded with Visa, MasterCard or American Express.
The Best Debit Card Compatible Games
All casino games are great choices for debit card users, simply because there is no limit to what you can signup for or what you can play. These are the biggest two payment options in the online gambling world, so there are no restrictions and no limits. The only thing you need to do is choose a casino with a great selection of games.
How to Deposit and Withdraw With Your Card
Providing you have your card to hand, making a deposit couldn’t be easier. Just punch in your card details when prompted to do so by the site, select the amount that you want to deposit or withdraw, and then click “Submit.” To ensure that you are connected to a secure server you should look to the URL.
It the URL begins with “https://“ alongside a closed padlock symbol, then you are connected to a secure site. To verify this further, you can click on the padlock symbol to see the security certificate. If no such connection is available, then you should think twice about submitting your details.
You should also know that many casinos will not let you withdraw to a credit card. The process of getting money back onto a credit card is not as simple as it is with debit cards, so many casinos simply do not allow it.
To learn more about depositing and withdrawing, and to read about the many different options at your disposal, you can read our guide on the subject here.
FAQs About Debit Cards Casinos
Can I Use Credit Cards and Debit Cards in the US?
You would think so, but unfortunately things are not quite that simple. You may have noticed that all online casinos open to US players only accept wire transfers and similar methods, and that they do not offer web wallets, credit cards, debit cards and other popular methods.
This is because while online gambling is still technically legal, it only remains this way because of a loophole, and it is a loophole that few financial institutions are willing to exploit.
Some sites may let you deposit using a debit or credit card, but you should be very wary of these. Even if they are legitimate and they do intend to play fairly, there is a good chance your deposit may raise red flags and that it may be blocked. What’s more, if anything does happen to it, you may have little recourse, and may not be able to get it back.
Are They Available Everywhere?
Of course. They are the most widely used payment method, and are just as common as cash. In fact, these days everything is virtual and in many first-world countries, credit cards and debit cards (as well as other virtual means of money transfers) are much more common than cash transactions.
It is very rare that you will encounter any restrictions, regardless of where you live and where your card was registered. However, if it is not a part of Visa, MasterCard or Amex, then you might encounter some problems.
Will I be Charged Any Fees?
You will not encounter any fees if you use a debit card, and if the casino tries to charge you fees, then you should avoid using them. Simply put, the casino will not encounter any fees, so they should not be passing these on to you. That applies both for withdrawals and for deposits, and is the case regardless of how many times you make a transaction, or for how much it is.
Credit cards are a little different and these usually do charge fees. In most cases, the online casino will cover these fees and you will not be asked to pay anything extra. In fact, this is very common, so if you do encounter a casino that asks you to pay extra fees, you can probably avoid using them and signup to one that does not request any additional payments.
Are They Better Than Other Methods?
It all depends on your preferences. There are pluses and minuses to these options just as there pluses and minuses to other options. What works for you might not work for someone else. To understand whether they are right for you, read our list of upsides and downsides below.
What Are the Upsides?
Speed - These methods are the quickest you will encounter. There is no need to signup for a web wallet in advance, and there is no need to jump through any hoops. Simply grab your card, punch in the details and you’re set.
Compatibility - As we have already mentioned, credit cards and debit cards are available worldwide. If you are of legal gambling age, then there’s a strong chance you have at least one of each. Add to this the fact that all major gambling sites accept them, and you have a recipe for convenience.
Credit - If you fancy yourself as a profitable gambler, if you have your eyes on a big poker tournament but don’t have the money to buy-in, then you can use your credit card. If you win, you can pay back the money before it generates any interest and do as you please with the rest. This is risky, especially if you have a high interest rate and no way of paying the amount off before that accumulates, but it is a nice option to have.
Credit Card Security - If anything happens to your credit card. If you are a victim of fraud, or if the casino decides to run away with your money, then you can claim it back. Credit card companies are very quick to repay you in the event of fraud and can also reverse payments if you are not happy with the product or service that you received, and have genuine reason to request a refund.
What Are the Downsides?
Withdrawals - Many online gambling sites will not let you withdraw back to a credit card. As mentioned above, if you find one that does then it can be a great way to play with money you don’t have and put it back before it does any damage, but not all sites will let you do this.
Debit Card Security - Unlike credit cards, debit cards tend not to be as secure. Not only will your issuer be less likely to return money that is stolen or wrongly spent, but your options for a reverse payment are also limited. What’s more, a debit card is connected to your bank account, and it’s very risky if you have everything you own in that bank account.
Are Credit Card and Debit Card Casinos Safe?
As mentioned above, you have plenty of recourse if you use a credit card and something goes wrong. However, the truth is that you shouldn’t have any issues with debit cards either. These cards are both very safe, and because card fraud is so common these days, even banks tend to be very quick to return your money if you are the victim of fraud.
There are also additional ways you can keep your debit card safe, including security checks which are run every time a deposit is made, promoting the user for an additional password and adding an extra layer of safety.
All in all, there are few better options out there than credit cards and debit cards. They are simple, easy to use, and we all have them. As we have already discussed, these methods are also secure, quick, and accepted literally everywhere. You only thing left to do is find a casino and a bonus that suits you.