Credit Card Online Casino Guide – Europe

Despite their limited acceptance in some European countries, including the UK, Belgium, and Germany, Mastercard credit cards remain popular choices for many players due to their convenience. Here, we provide insights into credit card payment options and list some of the best online casinos that accept these cards for transactions.

Where to Play: Best Credit Card Casinos

This list includes online casinos that accept credit cards as a supported payment method for deposits and withdrawals. If you’re new to the game, the best casinos for most players are those offering same-day payouts and high withdrawal limits of at least €10,000 a day. See ‘Est. payouts’ below for details.

Bitstarz award winning EU casino

Bitstarz Casino
  • Max €100 bonus + 180 Spins
  • 40x bonus wagering
  • €20 deposit minimum
  • No withdrawal limits
  • Est. payouts within 10 min
  • 5,220+ casino games
  • 80+ game providers
  • Euro and crypto accepted
  • 24/7 live chat, email support
  • Curaçao licensed (8048/JAZ)
  • Established in 2014
  • Rating: 4.8/5 – Read Review

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Winz Casino EU

Winz Casino
  • One ‘Wheel of Winz’ spin
  • No wagering needed
  • €20 deposit minimum
  • €400,000 m/withdrawal limit
  • Est. payouts within 1h
  • 5000+ casino games
  • 100+ game providers
  • Euro and crypto accepted
  • 24/7 live chat, email support
  • Curaçao licensed (8048/JAZ)
  • Established in 2019
  • Rating: 4.8/5 – Read Review

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Casino Friday

CasinoFriday
  • Max €500 bonus + 200 Spins
  • 40x bonus wagering
  • €10 deposit minimum
  • No withdrawal limits
  • Est. payouts within 12h
  • 4000+ casino games
  • 75+ game providers
  • Euro and crypto accepted
  • 24/7 live chat, email support
  • Curaçao/Estonia licensed
  • Established in 2020
  • Rating: 4.7/5 – Read Review

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Slotvibe Casino

SlotVibe Casino
  • Max €1000 bonus + 150 Spins
  • 40x bonus wagering
  • €15 deposit minimum
  • Est. payouts within 12h
  • 3500+ casino games
  • 30+ game providers
  • Fiat and crypto accepted
  • 24/7 live chat, email support
  • Curaçao licensed (8048/JAZ)
  • Owner: Dama N.V.
  • Established in 2021
  • Rating: 4.3/5 – Read Review

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Popular Credit Card Casino Games

For players who enjoy video slots or live dealer games, credit cards provide an easy option to fund their real-money casino accounts. If you’re planning to use this payment method for transactions, these games might be of interest:

  • Important Note: This payment method is valued for its security and ease. However, it’s vital to gamble within your limits, as using a credit card means playing with borrowed funds.

Claiming Credit Card Casino Bonuses

When you deposit funds into an online casino using a credit card, you can claim a variety of bonuses. This option is different from using e-wallets such as Skrill and Neteller, which typically make bonus offerings ineligible. Below, I’ll outline the types of bonuses available and what you can expect from each:

  • Welcome bonuses match your first deposit up to a certain percentage.
  • Free spins are included with welcome bonuses for specific slot games.
  • Reload bonuses are available for existing real-money players’ subsequent deposits.
  • Cashback deals provide 10-20% of net losses back over a set period.
  • Loyalty programs reward regular play with points that can be exchanged for bonuses.
  • Available at Bitstarz, high roller bonuses require a minimum deposit of €1,000.

Note: Wagering requirements depend on the specific bonus or reward redeemed (e.g., cashback, reload bonus, free spins). For welcome bonuses, they usually range from 40x the bonus amount (see the casino list above).

How to Use Credit Cards for Casino Gaming

  1. Depositing Funds

    When you choose this payment method, you’ll be prompted to enter your card details, including the card number, expiry date, and CVV. After this, you’ll specify the deposit amount. Once you confirm, the transaction is processed instantly. Most online European casinos have a ‘save card’ feature, which makes future deposits faster by remembering your card details.

  2. Withdrawing Funds

    Withdrawing your winnings to a credit card follows a similar procedure. You’ll select the withdrawal option and then your credit card for the transaction. After specifying the withdrawal amount and submitting the request, there’s a processing period during which the casino conducts security checks.

Once your withdrawal is approved, the funds are transferred to your credit card. The time it takes for this transfer can vary based on your card provider’s policies. Note that some EU online gambling operators may not make payments to credit cards.

Understanding Payment Limits

  • Deposit Limits

    When you use credit cards at online casinos in Europe, there are specific deposit limits, similar to other payment methods such as Visa debit cards, Skrill, Neteller, and MuchBetter e-wallets. For these payment transactions, the minimum deposit generally ranges between 10 and 20 EUR, with many casinos setting it at 20 EUR.

    For larger transactions, the maximum deposit you can make at once is commonly capped at 4,000 EUR. This means if you want to deposit more than 4,000 EUR at once, you would need to do it in two transactions.

  • Withdrawal Limits

    The upper withdrawal limit aligns with the deposit limit, standing at 4,000 EUR per transaction. However, many casinos have daily, weekly, or monthly withdrawal restrictions. These limits aim to ensure the casino’s financial health, ensuring that large amounts aren’t withdrawn without thorough security checks.

  • Options for Transaction Limits

    If you need to adjust these transaction limits, contact the casino’s customer service or VIP account representatives. This is a good idea if you often play at online casinos, especially with higher stakes.

Fees and Financial Considerations

Credit cards have different fees based on your provider and how you use them. Check the European Mastercard fees section on Mastercard.com for common fees and charges; it covers 50 countries by location. Knowing these fees, as well as how credit card transactions work for online casino payments, can help you manage your real-money spending better.

  • Transaction Fees

    While many high-quality online casinos absorb transaction costs, some might charge small fees on deposits or withdrawals made via credit cards. These charges, if any, are usually outlined in the casino’s payment or terms and conditions section.

  • Currency Conversion Charges

    If you’re using credit cards not denominated in the casino’s primary currency, be aware of potential conversion fees. These fees, determined by the card issuer, are essential to factor in when calculating total gaming expenditures, especially if you hopping between different European gambling sites.

  • Interest Rates

    Credit card balances from casino deposits are subject to the card’s standard interest rates. Be mindful of these rates, especially if you don’t plan to pay off the balance immediately.

  • Benefits and Incentives

    Some credit card companies offer rewards or points for every transaction, which you can redeem according to your card issuer’s policies. Using your credit card for casino transactions can also earn you these benefits.

Tip: If you frequently use a credit card for casino gaming, make it a habit to regularly check your statements. Ensure all transactions match your deposits and withdrawals. If you spot any inconsistencies, contact the casino or your card provider immediately for clarification.

Credit Card Types Accepted by Online Casinos

As a rule, online casinos in Europe accept most major card brands widely recognized across the world. Top sites choose these card providers for their recognition, reliability, global accessibility, and the security measures they offer.

Top Credit Card Brands

Visa

A household name in the financial world, Visa’s widespread debit and credit card acceptance across casinos is a reflection of its solid reputation. Many online platforms prefer Visa due to its efficient transaction process and its vast global user base.

MasterCard

Equally reputable and almost as universally accepted as Visa, MasterCard provides users with a reliable means of transaction.

American Express (Amex)

While not as commonly accepted as Visa or MasterCard, American Express still finds its place in a number of high-end EU online casinos. It’s particularly noted for its rigorous security protocols and exceptional customer service.

Diners Club International

Although not as prevalent as the other cards, Diners Club International has its niche. Accepted by a select number of European online casinos, it caters to a specific clientele. It’s known for cashback benefits and competitive rates.

JCB (Japan Credit Bureau)

Originating from Japan, JCB has expanded its reach globally, including parts of Europe. While its presence in European online casinos isn’t as dominant, it’s favored by those who appreciate its unique offers and international acceptance.

UnionPay

A significant player in the Asian market, UnionPay’s international cards are also accepted at select European online casinos. Their security features and broad global acceptance make them a viable option for players seeking alternatives.

How Top Online Casinos Secure Financial Data

  • 128-bit or higher SSL encryption.
  • Multi-factor authentication (MFA).
  • Payment Card Industry Data Security Standard (PCI DSS).

In the European online gaming sector, where sizable financial dealings are the norm, protecting players’ financial details is a top priority. To secure credit card transactions, online European casino operators use high-level encryption tech like SSL (Secure Socket Layer) and TLS (Transport Layer Security). These systems protect private information during transmission between the user’s device and the casino’s servers.

Many sites have multi-factor authentication, which requires users to provide additional verification before approving payment (e.g., a unique code sent to their mobile device or email) beyond just a username/password. Two-factor authentication (2FA) account security is also widely offered nowadays.

EU online gaming operators also follow the PCI DSS guidelines, which mandate tight security steps for handling and storing credit card information. Moreover, gambling companies processing the personal data of EU citizens must comply with GDPR regulations.

However, the security of using a credit card at online casinos in Europe also depends on the individual casino’s standards and the precautions players take. Top-tier iGaming companies offer strong security features, but issues like data breaches or online threats can still arise.

Countries in Europe Prohibiting Credit Card Gambling

The convenience of credit cards make them a popular payment method at online casinos in Europe. Players appreciate the instant deposits and access to funds that credit cards provide.

Most of the top providers like Visa, Mastercard, and American Express are widely accepted, and their advanced security features help assuage concerns about fraud and data breaches.

However, some countries in Europe have taken steps to regulate the use of credit cards for online gambling in recent years. Belgium initiated the move in 2019, followed by Germany and the UK in 2020.

Sweden has also put restrictions in place, prohibiting the use of credit payments for online gambling services. As we understand, these actions have been taken for the following reasons:

  • Consumer Protection

    One of the main reasons for the ban, we think, is to protect consumers from accruing unsustainable debts. Using credit to fund gambling means players are gambling with borrowed money, which can lead to accumulating heavy debts that they may not be able to repay.

  • Financial Health and Wellbeing

    Associated with the point above, there are concerns about the long-term financial health of consumers who gamble on credit. The ease of using a credit card can lead to impulsive decisions, as it may not feel like “real money” being spent, which can worsen one’s financial situation.

  • Problem Gambling and Addiction

    Those with gambling problems or addictive behaviors might be more likely to chase losses, thinking that they can win back what they’ve spent. Having easy access to money credit can exacerbate this behavior. The ban serves as a deterrent to reduce the risk of players chasing losses with money they don’t have.

  • Responsible Gambling

    The ban supports the broader push for responsible gambling. Requiring players to gamble only with money they have (like using a debit card, prepaid card, or bank transfer) ensures that they don’t spend more than they can afford to lose.

  • Reducing Harm

    Research has shown that there’s a strong association between gambling on credit and harmful gambling. Banning the use of credit cards is seen as a proactive step in reducing harm.

  • Regulatory Oversight

    By restricting payment methods, regulatory bodies can have more control and oversight over the flow of money in the online gambling industry, which can assist in combating fraud, money laundering, and other illicit activities.

  • Public Opinion

    As the harms of problem gambling across Europe become more apparent, there’s increased public pressure on governments and regulatory bodies to enact measures that reduce risks associated with gambling.

  • Economic Considerations

    A population burdened with debt is not good for any country’s economy. Unsustainable personal debts can lead to broader economic problems, like increased defaults on loans, decreased consumer spending, and higher reliance on social welfare programs.

Pros and Cons of Using Credit Cards for Gambling

Credit cards are a popular choice for online monetary transactions due to their familiarity, convenience, financial benefits, and security features. However, like any payment method for casino gaming, they come with both advantages and disadvantages:

Pros:

  • Familiar and widely accepted across gambling sites.
  • Instant deposits keep the game going.
  • Offers fraud protection and chargeback options.
  • Can earn rewards or cashback on transactions.
  • Monthly statements help you track spending.

Cons:

  • Can lead to significant debt and interest charges.
  • Easy access to funds might lead to overspending.
  • Some casinos and countries restrict credit card use.
  • Can hurt your credit score if not managed well.

In Europe, the Mastercard network dominates the credit card market, commanding over 90% of the purchase volume market share (Statista.com). Their widespread acceptance and top-notch security make Mastercard the primary choice for Europeans who use credit cards.

Using credit card funds for online casino payments is a matter of personal preference, much like choosing between video slots and live casino games. Some players are comfortable with gambling on credit, while others avoid using money they don’t have.

Alternatives to Credit Cards for Casino Payments

Our recommendation? Choose payment methods that align with your financial comfort and spending habits. E-wallets like Skrill and PayPal, as well as bank transfers, are very secure. E-wallets and cryptocurrencies generally offer faster transactions. If you prefer greater anonymity, prepaid card and crypto payments are excellent options. Debit cards and e-wallets are both user-friendly and widely accepted for casino gaming globally.

Answers to Frequently Asked Questions

How secure is it to use credit cards at online casinos in Europe?
Online gambling is widely considered a high-risk industry by default. So, trusted European casino sites must make sure the highest levels of security for their users’ credit card payments. For added security, players can set up two-factor authentication (2FA) to protect their casino accounts.
Why do casino players use credit cards for online gambling?
Credit cards are popular among casino players due to their widespread acceptance, instant access to funds, and the ability to manage gaming budgets through transaction histories. Their established trust and ease of use also contribute to their preference.
What types of credit cards are commonly accepted in Europe?
Visa and Mastercard credit cards are predominantly accepted at European online casinos. Other card types, such as American Express, Diners Club International, Discover, JCB, and UnionPay, are also accepted but less commonly.
How do credit card payments work at online casinos?
To make a deposit, players enter their card details and specify an amount, with funds typically available immediately. Withdrawals are processed similarly but include a security verification step by the casino. The timeframe for receiving funds depends on the credit card provider.
What are the limits for credit card payments at European online casinos?
Deposit limits range from a minimum of 10 to 20 EUR, up to a maximum of 4,000 EUR per transaction. Withdrawal limits are often similar, although casinos may impose daily, weekly, or monthly caps. As a general rule, it’s best to use casino sites with higher or no withdrawal limits.
Are there any fees for using credit card payments at online casinos?
While those online casinos of better quality absorb transaction costs, some might charge small fees on payouts made via this method. Players might also incur currency conversion fees if the casino account’s currency differs from that of the credit card.
Can you get casino bonuses when depositing with a credit card?
Yes, similar to depositing with debit cards, using a credit card qualifies you for bonuses such as welcome offers and deposit match bonuses ranging from 50% to 100% on subsequent deposits.
Why have some European countries banned credit card gambling?
Countries such as Belgium, Germany, the UK, and Sweden have restricted credit card gambling to protect consumers from excessive debt, promote responsible gambling, reduce problem gambling risks, and enhance regulatory oversight.