Best Alternatives to Credit Card Casinos in the UK 2025
Credit card casinos are out following the UKGC’s 2020 ban, but there’s lots of great substitutes that are in. After reviewing 65+ UK casinos, we’ve found the best that offer Visa, Mastercard, PayPal, Apple Pay and more for 100% safe and fast payments.
No Credit Cards? No Problem! These Top Casinos Take Visa, Mastercard and More
Tried, Tested and Trusted: Our Top 5 Casinos with Credit Card Substitutes
| Rank | Casino | Rating | Accepted Payment Methods |
|---|---|---|---|
| 🥇 | MagicRed | 🎰 Best for games collection | Apple Pay, Mastercard, MuchBetter, PayPal, PaysafeCard, Skrill, Trustly, Visa |
| 🥈 | All British Casino | ⏰ Best for fast payouts | Apple Pay, Mastercard, Neteller, PayPal, PaysafeCard, Skrill, Trustly, Visa |
| 🥉 | Jackpot City Casino | 🪙 Best for minimum deposits | PayPal, Mastercard, Neteller, Skrill, Rapid Transfer, Visa |
| #4 | Betway Casino | 🎰 Best for free spins | Bank transfer, Mastercard, PayPal, Trustly, Visa, Vyne |
| #5 | Betano | 📱 Best for mobile players | Apple Pay, Bank transfer, Google Pay, Mastercard, Visa |
Use 11 Credit Card Alternatives at Dream Vegas
If you’re searching for credit card substitutes you can use at UK casinos, Dream Vegas gives you lots of options with a range of 11 payment methods, which is more than any other of our top 10 highest-rated casinos.
During our expert review, we gave Dream Vegas a score of 90 for banking and security, as it features an easy-to-use cashier system that accepts the likes of Visa and Mastercard debit cards, e-wallets such as Neteller, PayPal and Skrill, and prepaid vouchers via PaysafeCard.
Pleasingly, you can also use any of these to claim bonuses at the casino, cashouts are quickly processed within 24 to 48 hours, meaning Dream Vegas offers the most same-day withdrawal methods among the 50+ casinos we’ve reviewed to date.
Alan Kendall, Casino Expert: “Dream Vegas more than fills the gap of not being able to use my credit cards, and the variety among the accepted methods let me choose whether I want to share my card and/or banking details with the casino. The only downside is the minimum deposits of £20 are far higher than other top casinos such as Jackpot City and Betano.”
Player Review – Lyall Richardson (Trustpilot): “I signed up yesterday, deposited £100 using Apple Pay, I withdrew £771 winnings and it was in my account within 24 hours. I have only had a good experience!”
Sign up at Dream Vegas
No Credit Cards Allowed: Why are they Banned at UK Casinos?
Using credit cards at UK online casinos was prohibited in April 2020 by the Gambling Commission (UKGC), the government body responsible for regulating all gambling activity in the UK.
This decision was made following the UKGC’s March 2018 review into online gambling and public feedback which highlighted the following:
- 22% of people using credit cards to gamble online were classed as problem gamblers, compared to just 8% of UK online gamblers in general.
- There were instances of players accumulating over £10,000 in gambling-based debts via credit cards, including someone who lost £54,000 in one night after using nine separate cards to make deposits.
- The fees and interest applied by credit cards was encouraging players to chase losses.
As of September 2025, there are no plans to reverse this ruling, and the UKGC stated in 2021 that they felt the ban had a positive effect on the behaviour of online casino players in the UK.
Expert Tip: Don’t Try and Gamble with Credit Cards Via E-Wallets
Claudia Hartley, Payments Expert: “You might be wondering if it’s possible to get around the credit card casino ban by adding money to an e-wallet with a credit card, and then depositing at real money casinos with the e-wallet.
However, this isn’t allowed. The UKGC says that UK casinos aren’t allowed to take payments from e-wallets funded by credit cards. For instance, the T&Cs at Jackpot City state “You may not use a credit card to deposit funds into your account. This includes depositing into your account via a money service business, such as a digital or e-wallet, where the original source of the funds is a credit card.”
This extends to ‘buy now, pay later’ schemes offered by e-wallets such as PayPal Credit. Similarly, whenever I fund my Neteller or Skrill wallet, I’m always asked if I want the money to be made available for gambling purposes, but I can’t select this option when I’m depositing with a credit card.”
Switch from Credit to Debit Cards at the Best Casinos
While credit cards are no longer an option at UK online casinos, the good news is that you can enjoy a very similar experience using debit cards at top-rated sites. Here’s a step-by-step guide on how to fund your account in just two minutes with a debit card at our number one ranked casino, MagicRed:
- Sign in to your MagicRed account using your chosen username and password.
- Select the red ‘Deposit’ button in the top-right corner of the screen and then debit cards from the list of options that appear.
- Complete the form with the name on your card and card number, expiry date, CVV code and the amount of money you want to deposit (at MagicRed, £10 is the minimum).
- If you’re claiming a bonus with your deposit, type the code in the Promo Code box (for instance, to get MagicRed’s weekend live casino cashback bonus, you need to deposit at least £20 with the code LiveBoost).
- Hit the ‘Deposit’ button and go through any verification checks from your card provider, and your money should then arrive in your casino account instantly.
Popular Replacements for Credit Cards at Online Casinos
If you’re searching for real money casinos that accept credit cards, banking options that you can use instead include debit cards, e-wallets and mobile payments. The most commonly accepted at top UK casinos include the following:
Visa
Visa is the most widely available payment option at UK casino sites and accepted at over 200 Visa casinos, largely because it’s the largest debit card provider in Europe by payment volume. Conveniently, Visa deposits are almost always accepted for claiming bonuses, unlike e-wallets.
✅ Involves very similar process to using credit cards with card number and security code
✅ Accepted at each of our top 10 UK casinos, including #1 MagicRed
✅ Easy to set up at most major UK banks, such as Barclays, HSBC and Lloyds
❌ Average withdrawal time of 1-3 days slower than e-wallets and mobile options
Play with Visa at MagicRedMastercard
Mastercard is the second-most used debit card provider in the country and in recent years has become the default option at banks including Santander, Monzo and NatWest. There are fewer Mastercard casinos available in the UK, but it otherwise closely competes with Visa for general availability.
✅ Provides debit and prepaid card options you can use at online casinos
✅ Reliable security measures including Identity Check and Zero Liability anti-fraud help
✅ Some Mastercard casinos (such as Betano) accept £30,000+ max withdrawals
❌ Fewer UK banks offer Mastercard debit cards compared to Visa
Deposit with Mastercard at BetanoPaysafeCard
PaysafeCard is a prepaid voucher service accepted by top-rated casinos such as 888 Casino. It lets you buy virtual or digital cards in amounts from £5 that are activated via 16-digit PIN codes. While this offers added privacy compared to debit cards via the removed need to share your banking and card details, you can only use it for deposits at PaysafeCard casinos.
✅ Simple to buy PaysafeCard vouchers either online or at 32,080+ locations across the UK
✅ Makes it easier to monitor your gambling transactions than debit cards and e-wallets
✅ Minimum voucher limit of £5 is helpful for budget players
❌ Can’t be used to withdraw money from casinos, as vouchers can’t be reloaded
Fund your account with PaysafeCard at 888 CasinoPayPal
Over 20 million Brits use PayPal every year to make digital payments, and it’s also more commonly accepted at online casinos than other e-wallets like Skrill and Neteller. Signing up for PayPal is easier than getting a credit card, as all you need is your email address and a debit card or bank transfer to initially fund your account and play at PayPal casinos.
✅ Allows for quick withdrawals of 24 hours or less at top UK casinos like Jackpot City
✅ Dedicated mobile app that offers easy yet secure deposits through PayPal One Touch
✅ Reputation for strong security, with transactions monitored 24/7 and phishing protection
❌ Some casinos (e.g. Betway and Coral) exclude PayPal deposits from getting bonuses
Use PayPal at Jackpot City CasinoSkrill
Skrill is an e-wallet that is widely used at casinos like HeySpin. Skrill casinos are popular as you can make speedy and safe transactions, using a variety of options to top up your Skrill account. Unlike PayPal, it also offers prepaid Mastercard cards, allowing you to still use cards while taking advantage of the benefits offered by e-wallets.
✅ Fast deposits and 24-hour withdrawals protected by 2FA and end-to-end encryption
✅ Responsible gambling tools such as deposit limits and option to block casino payments
✅ Simple sign-up process that takes just 2 to 3 minutes to set up an account
❌ Only accepted at 50+ UK casinos, compared to 100+ for other e-wallets like PayPal
Sign up with Skrill at HeySpinApple Pay
Apple Pay is a smartphone-friendly payment method, with an increasing number of mobile gamblers among its estimated seven million users in the UK. Apple Pay casinos are renowned for offering quicker withdrawals than debit cards and some e-wallets, plus enhanced security via biometric approval for payments using Face or Touch ID.
✅ Available at 100+ UK casinos, including All British Casino among our top 5
✅ Takes under a minute to connect debit cards and e-wallets to your Apple account
✅ Allows you to make mobile deposits without needing to leave casino app
❌ Only available on iPhone, iPad, Mac and Apple Watch devices with iOS 8.1 or newer
Gamble with Apple Pay at All British CasinoNeteller
Neteller is an e-wallet you can use at 50+ UK online casinos. Unlike some other e-wallets, Neteller’s VIP programme caters to online gamblers, meaning you can enjoy higher limits for your account when you use it to make deposits at top Neteller casinos such as Coral.
✅ Quick withdrawals normally delivered within 24 hours, similarly to other top e-wallets
✅ Top-tier security features including 2FA and real-time fraud monitoring
✅ VIP perks including larger transaction limits available to regular players
❌ Isn’t compatible with Google Pay, which may frustrate Android users
Take advantage of Neteller at CoralPayz
You can use Payz (formerly ecoPayz) and its various services at over 25 Payz casinos available to British players. It features comparable benefits to leading e-wallets, but more importantly is generally more eligible for claiming casino bonuses than the likes of Skrill and Neteller, such as at Monster Casino.
✅ Offers a range of easy-to-use e-wallet, virtual card and prepaid card products
✅ Daily maximum transaction limits of up to £25,253
✅ Can sign up for tiers depending on how often you gamble
❌ Monthly inactivation fees and fees of up to 10% on some bank transfers can apply
Make Payz payments at Monster CasinoAre Credit Card Alternatives Better to Use at UK Online Casinos?
With numerous stand-ins available to British gamblers wanting to use credit card online casinos, it can be handy to know which are the most widely accepted and offer fast casino payouts:
| Payment Method | Withdrawal Speed | No. of UK Casinos | Standout Feature |
|---|---|---|---|
| PayPal | 0-1 working day | 100+ | Most widely accepted e-wallet and 24-hour withdrawals |
| Neteller | 0-1 working day | 50+ | VIP programme suited to higher budget players |
| Skrill | 0-1 working day | 50+ | Allows you to use prepaid cards along with e-wallet |
| Payz | 0-1 working day | 25+ | Accepted for more casino bonuses than other e-wallets |
| Apple Pay | 0-2 working days | 100+ | Best for iPhone users |
| Debit Cards | 1-3 working days | 200+ | Closest experience to using credit cards for gambling |
| Visa | 1-3 working days | 200+ | Most widely accepted at UK casinos |
| Mastercard | 3-5 working days | 190+ | Advanced security and anti-fraud measures |
| PaysafeCard | N/A | 25+ | Added privacy via prepaid vouchers |
| Pay by Phone | N/A | 10+ | Convenient for small, instant deposits |
Expert Tips: Which Credit Card Substitutes do they Recommend?
Claudia Hartley, Payments Expert: “I decided to check out Payz after I was blocked from claiming Monster Casino’s welcome bonus using other e-wallets such as Skrill and Neteller. It’s been consistently hassle-free, including a sign-up and verification process which only took me a few minutes and 24-hour withdrawal speeds that match the fastest digital wallets.
If you regularly gamble online, I’d recommend upgrading to the Silver tier (which is free) from the start. This removes the €2,500 (roughly £2,150) lifetime limit from your account and also gives you four Payz Mastercard virtual cards, meaning you can still enjoy a deposit experience that resembles using credit cards.”
Alan Kendall, Casino Expert: “If you’re playing at UK casinos on your iPhone or iPad and security-minded like me, Apple Pay is great. The option to biometrically approve your payments using Face or Touch ID and the encryption which only shares your Device Account Number (DAN) instead of your card or bank details offers extra layers of security on both fronts.
It’s also generally quicker to use, as there’s no need to enter your card info or log in to e-wallet accounts, and transactions are sourced from bank-issued debit cards, meaning they have to go through fewer KYC checks. That ensures you can speedily fund your account and get to playing your favourite games on the move.”
You Don’t Need Credit Cards to Get These Generous Bonuses
Just because credit cards are off-limits to UK players, that doesn’t mean the biggest and best casino bonuses are. You can use Visa and Mastercard debit cards and other alternative payment options to sign up with welcome bonuses at our recommended casinos and then claim a range of reload promotions including the following:
🎰 Free Spins
Free spins on popular slot games let you play for a certain number of spins without needing to wager real money.
🤩 Best free spins casino bonus: Casumo – 50 free spins on Big Bass Bonanza (can be claimed with Apple Pay, Bank transfer, PayPal, PaysafeCard, Mastercard, Skrill, Trustly and Visa)
💰 Deposit Matches
These are rewards that give you bonus funds on top of your deposit up to a certain amount, for instance 100% up to £100.
🤩 Best deposit match casino bonus: Monster Casino – £1,000 in bonuses across your first five deposits (can be claimed with Apple Pay, Mastercard, Neosurf, PayPal, PaysafeCard, PayviaPhone, Payz and Visa)
🚫 No Wagering Bonuses
Promos that don’t have any wagering requirements, meaning any money you win from the bonus is instantly yours to keep.
🤩 Best no wagering casino bonus: William Hill – 200 no wagering free spins on Big Bass Splash (can be claimed with Mastercard, Skrill and Visa)
🪙 Cashback
This returns a percentage of your losses on specified games over a set time period.
🤩 Best cashback casino bonus: Yeti Casino – 100% cashback up to £111 (can be claimed with Apple Pay, Mastercard, PayPal, Trustly and Visa)
🎥 Live Casino Bonuses
Bonuses that can exclusively be used on live dealer games, such as game shows or live blackjack or roulette.
🤩 Best free spins casino bonus: LeoVegas – 100% up to £50 + £6 in chips (can be claimed with Apple Pay, Mastercard, PayPal and Visa)
Remember that some casinos prohibit certain payment methods to claim bonuses and promos, most commonly e-wallets, as they make it harder for the casino to verify your identity. Here are the latest bonuses up for grabs at our top casinos accepting credit card alternatives:
Our #1 Ranked Casino 
Expert Tip: No Deposit Offers May Still Require Credit Card Substitutes
Richard Trenchard, Casino Expert: “Many UK casinos also offer no deposit bonuses, but to activate some (such as the welcome offers at Aladdin Slots and Cash Arcade) you’ll need to link a valid debit card to your account after signing up.
The upside is that you don’t need to spend any money on the card to get the bonus, just provide and verify your details. If you’re worried about that handing over that info to an online gambling site, all of our featured no deposit casinos are UKGC-approved, meaning they have advanced security measures including SSL encryption to protect your data.”
Play Fun Games and Slots with Debit Cards, E-Wallets and Mobile Payments
If you’ve previously played at UK gambling sites that accepted credit cards, the good news is that you’ll still find all the same casino games when you deposit using alternative payment methods. All of the casinos featured on this page are home to hundreds (if not thousands) of titles from popular studios including the following:
🎰 Slots
There are slots games covering every theme and type at our top-rated casinos, from multi-figure progressive jackpots like Age of the Gods and Mega Moolah to Megaways slots potentially offering hundreds of thousands of ways to win on every spin.
💳 Best payment method to play slots: Given slot games use up less mobile data than the likes of live casino games, they’re particularly popular with mobile gamblers who enjoy playing them on the move. With that in mind, you may want to use Apple Pay and Google Pay for seamless deposits and withdrawals on your smartphone.
🤩 Best casino for slots: Casumo (3,700+ slots)
⚪ Table Games
You can play classic casino table games including roulette, blackjack and baccarat at UK casinos. Each of these come in multiple variants, such as American, European and French roulette, alongside the likes of standard, multi-hand and Atlantic City blackjack.
💳 Best payment method to play table games: RNG table games are often excluded from welcome offers at UK casinos – for instance, Coral’s £50 deposit bonus can only be used on a range of 12 slots and live casino games. As there’s therefore less of a need to ensure that that payment method is eligible to claim bonuses, we recommend e-wallets such as PayPal and Skrill for quicker withdrawals and added privacy.
🤩 Best casino for table games: talkSPORT BET (70+ RNG table games)
🎥 Live Casino Games
Live casinos host games that are streamed in real time from dedicated studio and hosted by professional presenters and croupiers to offer the most immersive experience. These often feature live chat that let you interact with the host and other players throughout.
💳 Best payment method to play live casino games: Live casino titles often have larger max bets than slots and other table games, especially high roller-themed rooms like Pragmatic Play’s VIP Blackjack. If you want to take advantage of this, many top casino sites including Jackpot City offer higher deposit and withdrawal limits on debit cards such as Visa and Mastercard compared to other payment options.
🤩 Best casino for live casino games: Luna Casino (400+ live games)
🔢 Bingo
Online bingo has grown in popularity with British gamblers in recent years and is available in both live and RNG formats that allow you to use the number of balls (and therefore, top prizes) in play.
💳 Best payment method to play bingo: Online bingo games host rounds every three to five minutes, giving players the option to take a break in between. When you want to use this time to make a quick deposit before the next round begins, using mobile methods such as Apple Pay and Google Pay only requires a few taps, with no need to enter your card details or log in to a digital wallet.
🤩 Best casino for bingo: Coral (29 live and RNG bingo rooms)
Found a Credit Card Casino? Here’s What You Should Know
Despite the ban, you may still come across UK online casinos accepting credit card deposits. Such credit card casino sites are not UKGC-licensed and don’t follow UK gambling laws, so we strongly recommend that you avoid and don’t sign up with them.
By playing at a casino that accepts credit cards, you’re handing over your money and personal information to an operator that doesn’t follow UKGC rules. This can be dangerous for several reasons:
- ⚠️ If you don’t receive a payout or requested withdrawal, the UKGC can’t help you
- ⚠️ There may be insufficient security for your data, or it could be sold to third parties
- ⚠️ The site may advertise casino bonuses with false or misleading terms
- ⚠️ Your money isn’t protected in the event the casino shuts down, which can be without warning
At Casino.co.uk, we only feature casinos that are UKGC-approved and don’t accept credit card payments.
Why Using Credit Cards to Gamble Online Can Be a Bad Bet
Casino players had been using credit cards as a payment method for some time prior to the UKGC’s 2020 ban. However, it was introduced with sound intentions, as there are many risks linked to gambling with credit cards.
While you might still be able to use credit cards at some of our blacklisted casinos that don’t comply with UKGC rules, here are the key reasons why we strongly recommend you don’t gamble with them:
Interest can worsen any losses: Credit cards can charge high daily interest rates of 30+% on unpaid balances, and the average APR rate for UK credit cards hit an all-time high of 23.57% in August 2023. That means if you can’t immediately pay back money lost gambling with a credit card, you’ll not only owe the money lost, but any interest added on top, which can make it more difficult to control your losses and damage your credit score.
It’s harder to track your budget: Many of the most accepted credit cards in the UK including Amex, Visa and Barclaycard offer welcome perks to new customers, such as deferred payments and boosted credit limits. These may sound appealing, but can encourage you to gamble with a larger budget than you can actually have, increasing the risk of unsustainable losses.
You may have to pay additional fees: Before the UKGC ban, most UK online casinos treated credit card deposits as ‘Cash Advances’, which carry a 2.5 to 3% fee per payment with major card companies including NatWest and Nationwide. This means credit cards are inherently a more expensive payment method to use than debit cards and e-wallets.
Sources
- Gambling Commission: Announcement of UK ban on gambling with credit cards
- Gambling Commission: General review into online gambling in the UK
- Gambling Commission: Evaluation of ban on gambling with credit cards
- Jackpot City: Jackpot City Casino terms and conditions
- PayPal: FAQs on PayPal Credit
- Neteller: Information on using credit card deposits for gambling
- Skrill: Guide to making card deposits for online gambling
- The Paypers: Information on Visa and Mastercard spending in Europe
- PaysafeCard: PaysafeCard Points of Sale by country
- Statista: Credit card APR rates in the UK from 1995 to 2025
- NatWest: Information on credit card and Cash Advance fees
- Nationwide: Credit card fees and charges
Frequently Asked Questions
Which UK online casinos accept credit cards?
None of our top-rated UK casinos accept credit cards. They do offer other great viable alternatives, including Visa and Mastercard debit cards, PayPal, Apple Pay and e-wallets.
Can you use credit cards at UK casino sites?
No, as the UKGC banned UK casino sites from accepting credit card deposits in April 2020. This applies to all licensed gambling sites in the UK.
