Deposits & Withdrawals
Payment Methods: Full Guide for AU Players
Every deposit and withdrawal method available at Robocat Casino, with honest detail on speed, fees, limits and what each one is actually good for. Written for Australian players — PayID, Neosurf, crypto and the reality of Australian banks blocking card transactions. Updated when methods change; POLi is not listed because it shut down in 2022.
Last updated: 23 April 2026
All 11 methods at a glance
Click any method name to jump to its full breakdown below.
| Method | Deposit Speed | Withdrawal Speed | Fees | Limits | Both Ways? |
|---|---|---|---|---|---|
| PayID | Instant (< 60s) | Under 2 hours | None | AU$20 – AU$10,000 | Yes |
| Visa & Mastercard | Instant | 3–5 business days | Bank-dependent | AU$20 – AU$10,000 | Yes |
| Neosurf | Instant | Not available (deposit-only) | None | AU$10 – AU$500 per voucher | Deposit only |
| Apple Pay | Instant | Not available (deposit-only) | None | AU$20 – AU$5,000 | Deposit only |
| Google Pay | Instant | Not available (deposit-only) | None | AU$20 – AU$5,000 | Deposit only |
| MiFinity | Instant | Under 2 hours | None at Robocat · MiFinity may charge 1% | AU$20 – AU$15,000 | Yes |
| Bank Transfer | Instant (NPP) or 1 day (standard) | 1–3 business days | None | AU$20 – AU$50,000 | Yes |
| Bitcoin (BTC) | 10–30 min (1 confirmation) | Under 90 seconds approved, 10–30 min on-chain | Network fee only | AU$20 equivalent – AU$100,000 equivalent | Yes |
| Tether (USDT) | 2–5 min (TRC-20) | Under 90 seconds approved, 2–5 min on-chain | Network fee only | AU$20 equivalent – AU$100,000 equivalent | Yes |
| Ethereum (ETH) | 1–3 min (12 confirmations) | Under 90 seconds approved, 1–3 min on-chain | Network fee only (variable) | AU$20 equivalent – AU$100,000 equivalent | Yes |
| Litecoin (LTC) | 2–5 min (6 confirmations) | Under 90 seconds approved, 2–5 min on-chain | Network fee only (very low) | AU$20 equivalent – AU$100,000 equivalent | Yes |
Deposits in AU dollars at the rate shown, no conversion fee on our side. Crypto amounts are converted at the live market rate at the moment of transaction.
Australian-focused methods
Three options that are either AU-specific or particularly well-suited to Australian players. These are what most of our AU player base actually uses.
PayID
BankDeposit
Instant (< 60s)
Withdrawal
Under 2 hours
Fees
None
Limits
AU$20 – AU$10,000
How it works
PayID is Australia's near-instant bank-to-bank transfer system, launched in 2018 and now integrated into 100+ Australian banks and credit unions. Instead of sharing a BSB and account number, you link a mobile phone number, email address, or ABN to your bank account. At the casino cashier you enter your PayID identifier, confirm the amount in your banking app, and the money moves through the New Payments Platform (NPP) in under a minute — at any hour of the day, seven days a week including public holidays.
Pros
- Fastest AU-specific option — settles in under a minute at any time
- No fees on either side of the transaction
- Works seven days a week, including weekends and holidays
- Your bank statement shows the transfer recipient, not the gambling merchant category code that some banks block
- Both-way — deposits and withdrawals
Cons
- Your bank can still see you transferred to a casino-affiliated PayID — not truly private
- Some banks flag high-value transfers for manual review
- Requires your bank to be PayID-enabled (most major AU banks are)
Best for
Australian players who want instant transfers in AU dollars without hidden fees. This is our top recommendation for the majority of players.
Neosurf
Prepaid voucherDeposit onlyDeposit
Instant
Withdrawal
Not available (deposit-only)
Fees
None
Limits
AU$10 – AU$500 per voucher
How it works
Neosurf is a prepaid voucher system — think gift card for online payments. You buy a voucher at an Australian newsagent, service station, or convenience store for a fixed amount (AU$10, AU$20, AU$50, AU$100, or AU$250), receive a 10-digit PIN, and enter that code at the casino cashier to credit your account. No bank link, no credit card, no registration required to buy the voucher. Deposits land in seconds.
Pros
- Maximum privacy — no bank or card details shared with the casino
- Hard spending ceiling — you cannot deposit more than the voucher value
- Available at thousands of AU retail locations
- Instant deposits
- Free — no fees on either side
Cons
- Deposit only — you cannot withdraw winnings via Neosurf
- Need to choose an alternative withdrawal method (bank transfer, crypto) and pass KYC on it
- Per-voucher cap of AU$500 — for larger deposits you combine multiple vouchers
- You must physically visit a retail location or buy online
Best for
Players who value privacy above all else, or who want a hard cap on how much they can deposit in a single session. Also the right choice if your bank blocks casino card transactions.
Bank Transfer
BankDeposit
Instant (NPP) or 1 day (standard)
Withdrawal
1–3 business days
Fees
None
Limits
AU$20 – AU$50,000
How it works
Direct bank transfer via BSB and account number, or faster via the NPP (PayID is the NPP's consumer product). Traditional bank transfers have been displaced by PayID for most day-to-day casino use, but bank transfer remains the right choice for very large transactions where the PayID ceiling is a concern. Withdrawals take 1–3 business days to appear in your account, depending on your bank's clearing schedule.
Pros
- Highest deposit ceiling of any method (AU$50,000)
- Most reliable fallback if other methods fail
- No third party between you and your bank
- Both-way transactions
Cons
- Slowest withdrawal method — up to 3 business days
- Your bank statement shows the transfer in full detail
- Some banks still flag large gambling-related transfers for review
Best for
High-roller deposits above PayID limits, or as a fallback when other methods are unavailable. Expect withdrawals to be slower than eWallet or crypto alternatives.
Cards and mobile wallets
Credit cards, debit cards, Apple Pay and Google Pay. The universal options, with one significant caveat for Australian players: the major AU banks decline a high percentage of card transactions flagged with gambling merchant codes. You may need a fallback.
Visa & Mastercard
CardDeposit
Instant
Withdrawal
3–5 business days
Fees
Bank-dependent
Limits
AU$20 – AU$10,000
How it works
The standard credit and debit card path. Enter the card number, expiry, and CVV at the cashier; the deposit clears instantly subject to your bank approving the transaction. Withdrawals route back to the same card as a refund, which takes 3–5 business days to show up in your statement. The important catch for Australian players: many major banks (Commonwealth Bank, NAB, ANZ, Westpac) decline transactions flagged with gambling merchant codes, so your deposit may fail even if your balance is healthy.
Pros
- Universally accepted at every licensed casino
- Familiar process — no new accounts to set up
- Credit card purchases may be protected by your card issuer's chargeback scheme
- Both-way transactions
Cons
- Australian banks frequently decline casino transactions (gambling merchant codes blocked by default)
- Withdrawals are slow — up to 5 business days via card refund
- Credit cards treat gambling deposits as cash advances at some banks — higher rates, no interest-free period
- Least private option — appears in detail on bank statements
Best for
Players whose bank is known to approve casino transactions, or as a one-time fallback if other methods are unavailable. For regular play, most Australians prefer PayID or crypto.
Apple Pay
eWallet / MobileDeposit onlyDeposit
Instant
Withdrawal
Not available (deposit-only)
Fees
None
Limits
AU$20 – AU$5,000
How it works
If you have an iPhone, iPad or Mac with Touch ID or Face ID, Apple Pay offers the fastest tap-to-deposit flow at the cashier. Choose Apple Pay at checkout, authenticate with biometrics, and the linked card processes the deposit without you typing anything. Underneath it is still your Visa or Mastercard, but Apple Pay uses a one-time token per transaction rather than exposing your real card number to the casino.
Pros
- Fastest checkout on iOS — tap and authenticate, done in seconds
- Biometric security layer on every transaction
- Real card number never shared with the casino
- Same consumer protections as the underlying card
Cons
- Deposit only — withdrawals need an alternative method
- Still subject to the underlying bank approving gambling transactions
- Requires an Apple device and a linked card
Best for
iOS users who want friction-free deposits. Pair with PayID or crypto for withdrawals.
Google Pay
eWallet / MobileDeposit onlyDeposit
Instant
Withdrawal
Not available (deposit-only)
Fees
None
Limits
AU$20 – AU$5,000
How it works
The Android equivalent of Apple Pay. Link a card to your Google account, authenticate at checkout with your device's fingerprint or PIN, and the deposit processes instantly. Like Apple Pay, Google Pay tokenises the transaction — the casino never sees your actual card number.
Pros
- Fast checkout on Android without entering card details
- Device-level authentication required for every transaction
- Card number tokenised for privacy
- Works cross-device if you have Google Pay on multiple devices
Cons
- Deposit only at most casinos
- Underlying bank still approves or declines the transaction
- Requires an Android device
Best for
Android users who prefer not to enter card details each session. Same pair-with-PayID-or-crypto pattern as Apple Pay.
eWallets
MiFinity is our primary eWallet option. It has largely replaced Skrill and Neteller at Australian-facing casinos thanks to cleaner bonus-eligibility rules and better support for AU dollars.
MiFinity
eWallet / MobileDeposit
Instant
Withdrawal
Under 2 hours
Fees
None at Robocat · MiFinity may charge 1%
Limits
AU$20 – AU$15,000
How it works
MiFinity is an international eWallet that has become the preferred alternative to Skrill and Neteller at Australian-facing casinos. You fund the wallet by bank transfer, card or crypto, then fund the casino from the wallet. The casino only sees the MiFinity transaction, not your underlying bank or card. Withdrawals route back into the wallet within hours and can be cashed out to your bank, card or crypto afterwards.
Pros
- Works both ways — deposits and withdrawals
- Private — bank statement shows MiFinity, not a casino
- Fast withdrawals back to the wallet (under 2 hours)
- Higher limits than most card methods
- Bonus eligibility preserved (some older eWallets exclude bonuses)
Cons
- MiFinity may charge a small loading fee (around 1%)
- Two-step process — fund the wallet before funding the casino
- Less familiar than PayID for most Australian players
Best for
Players who want an eWallet layer between their bank and the casino, especially if they play at multiple sites and want a single source of truth for gambling funds.
Cryptocurrency — BTC, ETH, USDT, LTC
Crypto is the fastest and most private way to move money at a licensed casino, especially for withdrawals. It is also what most Australian players use when their bank starts declining casino transactions.
A few things to understand before you start:
Which crypto to pick
If you are new to crypto casinos, start with USDT on the TRC-20 network. It is a stablecoin pegged to the US dollar, so your AU$ balance moves linearly with the USD/AUD rate rather than with crypto market swings. TRC-20 network fees are often under one cent per transaction. Most Australian crypto exchanges (CoinSpot, Swyftx, Independent Reserve) sell USDT in AU dollars.
Bitcoin, Ethereum and Litecoin work too, but their AU$ value fluctuates. If you deposit AU$500 in BTC and the price drops 10% before you withdraw, you will have less AU$ at the end even if you won on the games.
Network choice matters
USDT exists on several blockchains — Tron (TRC-20), Ethereum (ERC-20), Solana, and others. They are not interchangeable. Sending USDT on TRC-20 to an ERC-20 address (or vice versa) means losing the funds permanently. Double-check the network before every transfer. Our cashier displays the network alongside the deposit address.
Confirmations and timing
Crypto deposits credit after a set number of network confirmations — 1 for Bitcoin (10–30 min), 12 for Ethereum (1–3 min), 6 for Litecoin (2–5 min), 10 for USDT (2–5 min). The wait is baked into blockchain security; we cannot make it faster without compromising safety. Withdrawals are different — we approve on our side in under 90 seconds, and then the crypto network does its own thing.
Volatility vs stablecoin
This is the biggest single decision. Bitcoin, Ethereum and Litecoin can move 5–10% in a day, sometimes more. USDT is designed to hold its dollar peg. If you plan to hold a casino balance for weeks or you worry about market moves, use USDT. If you treat deposits and withdrawals as same-day transactions, any of the four works.
Bitcoin (BTC)
CryptocurrencyDeposit
10–30 min (1 confirmation)
Withdrawal
Under 90 seconds approved, 10–30 min on-chain
Fees
Network fee only
Limits
AU$20 equivalent – AU$100,000 equivalent
How it works
Bitcoin deposits are paid to an address generated by the casino for your account. Send BTC from your wallet, wait for one confirmation on the Bitcoin network (around 10–30 minutes depending on network congestion), and the deposit credits your casino balance in AU dollars at the current exchange rate. Withdrawals are approved on our side in under 90 seconds and broadcast to the Bitcoin network immediately — the time to your wallet depends on network conditions.
Pros
- Fastest withdrawal approval on our side (< 90s)
- Bank doesn't see the transaction — no gambling flags
- Highest practical deposit ceiling
- No conversion fees on our side — we convert at the spot rate
- Both-way — deposits and withdrawals
Cons
- Network fees vary with congestion — typically AU$1–AU$20 per transfer
- Value volatile — your AU$ balance at deposit may differ from AU$ paid out
- Requires a crypto wallet and some experience sending BTC
- Mistyped addresses cannot be recovered
Best for
Players who already hold BTC and want the fastest overall withdrawal cycle. Also the private choice if your bank is hostile to gambling transactions.
Tether (USDT)
CryptocurrencyDeposit
2–5 min (TRC-20)
Withdrawal
Under 90 seconds approved, 2–5 min on-chain
Fees
Network fee only
Limits
AU$20 equivalent – AU$100,000 equivalent
How it works
USDT (Tether) is a stablecoin pegged 1:1 to the US dollar, so deposit and withdrawal amounts are stable in AU terms — no market volatility between the time you deposit and the time you cash out. On the Tron (TRC-20) network, transaction fees are typically under AU$1. Most crypto-aware players in Australia prefer USDT over BTC for exactly this reason.
Pros
- Stable value — no volatility risk between deposit and withdrawal
- Cheapest network fees (TRC-20 under AU$1, often free)
- Fastest crypto confirmations (2–5 minutes)
- Both-way transactions
- Same privacy benefits as other crypto
Cons
- Requires understanding the difference between TRC-20, ERC-20 and other Tether networks — wrong network means lost funds
- Stablecoin depends on Tether's reserves (well-audited but not risk-free)
- Needs a crypto wallet
Best for
Our most-recommended crypto option. Fast, cheap, stable value. If you're new to crypto casinos, USDT is the right starting point.
Ethereum (ETH)
CryptocurrencyDeposit
1–3 min (12 confirmations)
Withdrawal
Under 90 seconds approved, 1–3 min on-chain
Fees
Network fee only (variable)
Limits
AU$20 equivalent – AU$100,000 equivalent
How it works
Ethereum deposits work the same way as Bitcoin — send to an address, wait for confirmations, balance credits in AU$ at market rate. ETH confirmations are faster than BTC (1–3 minutes vs 10–30) but the network fee is more variable, ranging from around AU$1 during quiet periods to AU$30+ when the network is congested.
Pros
- Faster confirmations than Bitcoin
- High deposit ceiling
- Both-way, privacy-preserving transactions
- Widely supported in crypto wallets
Cons
- Network fees spike during high-activity periods
- Same volatility concern as Bitcoin — ETH price moves
- Requires a crypto wallet
Best for
Players who already hold ETH. If starting fresh, USDT is a better choice for stable value and lower fees.
Litecoin (LTC)
CryptocurrencyDeposit
2–5 min (6 confirmations)
Withdrawal
Under 90 seconds approved, 2–5 min on-chain
Fees
Network fee only (very low)
Limits
AU$20 equivalent – AU$100,000 equivalent
How it works
Litecoin is often called "silver to Bitcoin's gold" — same underlying technology, faster block times (2.5 minutes vs 10), and consistently low network fees (usually under AU$0.50 regardless of congestion). If you want a traditional crypto experience without Bitcoin's fees or volatility of altcoins, LTC is a solid middle ground.
Pros
- Very low, predictable network fees
- Fast confirmations (2–5 minutes)
- Mature, stable crypto network since 2011
- Both-way transactions
Cons
- Price volatility (though less than BTC historically)
- Less widely held than BTC or USDT — may need to buy specifically
- Requires crypto wallet familiarity
Best for
Players who want crypto's speed and privacy but don't need the stablecoin guarantee of USDT.
The truth about fees
We do not charge any fee on any method, in either direction. That is a deliberate policy; many casinos charge 1–3% on card deposits and a flat fee on withdrawals, and we find that opaque and unpleasant.
Third-party fees outside our control can still apply:
- Bank fees on card deposits. Some banks treat gambling-related card charges as cash advances, charging higher interest with no grace period. This is a bank policy, not ours.
- Foreign transaction fees. Because our payment processor may be based outside Australia, your bank may apply a 1–3% foreign transaction fee on card deposits. PayID avoids this because it is domestic.
- MiFinity loading fee. MiFinity charges around 1% to load its wallet. From wallet to casino is free; the fee is on the bank-to-wallet step.
- Crypto network fees. The blockchain network (not the casino) charges a small fee per transaction. TRC-20 USDT is cheapest (often under AU$0.10); Ethereum on peak days can cost AU$20+. These fees are shown before you confirm.
Every fee you might encounter is disclosed before you confirm a transaction. We never apply hidden charges after the fact.
KYC verification and payments
We verify identity (KYC) when you request your first withdrawal. Deposits require no verification — you can sign up and start playing immediately. The first cashout triggers a one-time check that usually completes in under 24 hours and only needs to be done once.
Two documents are needed:
- Government photo ID — passport, driver licence, or national identity card.
- Proof of address, under 90 days old — utility bill, bank statement, or council rates notice showing your name and residential address.
The name and address on these documents must match the payment method you want to withdraw to. This is the biggest withdrawal-delay cause: depositing from one person's card and attempting to withdraw to another is automatically declined under our licence obligations. One person, one account, one set of payment details.
For full detail on how we handle your personal information during KYC, see our Privacy Policy.
How to choose — a simple decision tree
Rather than memorise the comparison table, answer four questions and you will land on a sensible pick.
1. Is your bank blocking casino card transactions?
The major Australian banks decline a large percentage of these by default. If your Visa or Mastercard has been rejected at any casino in the last year, skip to the next question — this is a recurring problem, not a one-off. Good alternatives: PayID (same bank, different rails) or Neosurf (doesn't touch your bank at all).
2. Do you need both-way transactions?
If yes, cross off Neosurf, Apple Pay and Google Pay — they are deposit-only. You will need to nominate a withdrawal method anyway (bank transfer, PayID, MiFinity, or crypto).
3. How much do you typically deposit?
Under AU$500 per session: any method works. AU$500 to AU$10,000: PayID or crypto are smoothest. Over AU$10,000: bank transfer or crypto, because other methods hit per-transaction limits.
4. How much does privacy matter to you?
If your bank statement tracking bothers you, or you want to keep gambling funds separate from household finances: crypto (especially USDT) or Neosurf are the private choices. If privacy isn't a factor: PayID is probably your best pick.
The default answer for most AU players: PayID for both deposits and withdrawals, with USDT (TRC-20) as a secondary method for very large amounts or when privacy matters. Keep Neosurf as an emergency option if a PayID transfer ever fails and you want to deposit quickly. This covers 90%+ of use cases cleanly.
When deposits or withdrawals go wrong
Most transactions go through without issue. When they don't, the reason is almost always one of the following:
Card deposit declined
The most common problem. Your bank has decided a casino is not a place it wants your money to go. Options: call the bank and request an exception on the 7995 merchant code (works sometimes), use a different bank's card, or switch to PayID/crypto/Neosurf which don't carry that code. We cannot override your bank's decision.
Crypto deposit not credited
Almost always one of: wrong network (sent USDT on ERC-20 to a TRC-20 address — irrecoverable), insufficient confirmations (wait the full required time for the network), or the wrong address (check the full string, not just the first and last four characters). If the transaction is on-chain at the right address and has the required confirmations, contact support with the transaction hash.
Withdrawal taking longer than expected
Standard approval is under four hours on our side. If that has passed: check whether your account has completed KYC (unverified accounts are held for verification), and check that the withdrawal method matches a method you have deposited from (withdrawal to a new method requires extra verification). If both are fine, contact support.
Withdrawal returned to balance
Sometimes a withdrawal is returned and the amount reappears in your casino balance. Reasons: the receiving bank rejected the transfer, the nominated account was frozen, or the method you chose has a daily limit that the withdrawal exceeded. The balance is intact; you can try again with a different method or a smaller amount.
Frequently asked questions
What's the fastest payment method at Robocat Casino?
For deposits, PayID, Apple Pay and Google Pay are all effectively instant. For withdrawals, crypto (USDT on TRC-20 is fastest) clears the on-chain portion in 2–5 minutes after our under-90-second approval. PayID settles in under two hours end-to-end. If you want the fastest total cycle from deposit to cashout, USDT is the pick; if you want instant AU-dollar simplicity without crypto, PayID is the pick.
Does Robocat charge any payment fees?
No — we do not charge a fee on any deposit or withdrawal through any supported method. You may still see third-party fees outside our control: your bank may apply a foreign transaction fee on card payments, MiFinity charges around 1% to load its own wallet, and crypto networks charge small fees to process on-chain transactions. These are always shown to you before you confirm, never afterwards.
Why did my Visa or Mastercard deposit fail?
Almost always because your bank blocked the transaction. The major Australian banks (Commonwealth Bank, NAB, ANZ, Westpac) decline transactions with the 7995 "betting and casino gaming" merchant category code by default. You can call your bank and request an exception, but most players find it easier to switch to PayID, Apple Pay, or crypto — none of which carry that merchant code.
Is Neosurf the same as POLi?
No, and an important note: POLi shut down in mid-2022 and is not available anywhere in Australia. If you see a casino still listing POLi as an active option, their payment page is out of date. Neosurf is a prepaid voucher system (you buy physical vouchers at a retail outlet); PayID is the modern Australian replacement for direct bank transfers. Both are fully operational.
Can I withdraw my winnings using Neosurf or Apple Pay?
No. Neosurf, Apple Pay, Google Pay and a few other methods are deposit-only by design. If you deposited with any of these, your withdrawal will route to an alternative method you nominate — typically bank transfer, PayID, MiFinity or crypto. The alternative method has to be in your own name and has to pass our KYC verification.
Is it safe to use crypto at an online casino?
Yes, assuming you use reputable crypto and a licensed operator. The crypto itself (BTC, ETH, USDT, LTC) is secured by blockchain verification — the casino cannot reverse or manipulate a confirmed transaction. What you need to watch for is the exchange you buy crypto from (use established ones like CoinSpot, Swyftx, Independent Reserve) and the wallet you hold it in (hardware wallet or reputable software wallet, not unknown exchanges). Once the crypto is in your wallet, sending it to a licensed casino is safer than sending fiat through cards.
Do I need to verify my identity for payments?
Yes, once you try to withdraw. We verify identity (KYC) when you request your first withdrawal — not at the deposit stage, so you can start playing immediately. KYC verification takes under 24 hours on most accounts and only needs to be done once. After that, withdrawals go through without any further checks unless the amount is unusually large or the pattern looks suspicious.
Which payment method should I actually use?
For most Australian players: PayID for deposits and withdrawals, with crypto (USDT specifically) as a secondary option for very large amounts or when privacy matters. If your bank blocks casino card transactions, Neosurf is the easiest workaround for deposits. Apple Pay and Google Pay are the most convenient on mobile. MiFinity is the right choice if you play at multiple casinos and want an eWallet layer. Avoid card-only setups (Visa/Mastercard without a fallback) because if your bank starts declining, you have no other option.