If you are getting into the NZ online casino scene for the first time, you may want to first test out your skills with play money, or free spins with no deposit. It’s a zero-risk way to learn the ropes and practise different game strategies. But the possibility of winning real money is where the thrill of online gambling lies. 

Fortunately, many online casinos pay out real money to winners, but the question is which ones are reliable? This article takes a look at the top online casinos that pay real money in NZ, and gives you tips on how to choose a trustworthy site.

Best Real Money Online Casinos in NZ 2024

Welcome Bonus: 5 FREE SPINS (no deposit), & 100% up to $1,200 + 50 wager free spins

Wagering requirements: 30x

Payout Rate: 97.27%

Payment methods: Visa, Mastercard, Neosurf, Paysafecard, Skrill, Apple Pay, EcoPayz

Welcome Bonus: Up to $1,600

Wagering requirements: 35x

Payout Rate: 97.84%

Payment methods: Visa, Mastercard, Neosurf, Neteller, Skrill, ecoPayz, MuchBetter, Paysafecard

Welcome Bonus: Up to $300 + 100 free spins

Wagering requirements: 35x

Payout Rate: 97.05%

Payment methods: Visa, Mastercard, MiFinity, Skrill, Neteller, Payz, Paysafecard

Welcome Bonus: 20 FREE SPINS (no deposit) + up to $800

Wagering requirements: 35x

Payout Rate: 97%

Payment methods: Visa, Mastercard, Skrill, Neteller, ecoPayz, Paysafecard, Direct Bank Transfer

Welcome Bonus: Up to $7,500 + 550 free spins

Wagering requirements: 50x

Payout Rate: 97.22%

Payment methods: Visa, Mastercard, PayID, Maestro, Neosurf, Neteller, Skrill, ecoPayz, Paysafecard, Bitcoin

How to Choose an Online Casino that Pays Real Money

A lot of online casinos pay real money, but no two of them are the same. To identify the ones that offer the best experience, pay attention to the following factors.


Assess what security measures the online casino has put in place to keep your information safe. At the minimum, the website should employ SSL encryption (depicted by a padlock on the browser’s URL bar). Top casinos also have robust data privacy policies outlining the ways they protect player data and the avenues available for users to delete their information. 


Check that the casino is licensed by a reputable gaming authority such as the Kahnawake Gaming Commission, Alderney Gambling Control Commission or Government of Gibraltar. This provides an important assurance that players' funds are safe and that the company adheres to the highest ethics. It should also be subjected to routine fair play audits either by the licensing body or a respected third party organisation. 

Payment Methods

It’s one thing to win real money – it’s entirely another to be able to withdraw that money from your online casino account and into your NZ bank account. Examine the range and credibility of payment options the casino offers. There should be more than one way to withdraw your money to NZD. The best casinos will allow payment to e-wallets (eg: PayPal), bank accounts and credit/debit cards.

Game Selection

The best online casinos have a diverse library of games from established game developers that’s updated regularly. These games could range from slots and blackjack, to roulette and craps. More variety means players can choose the games they are most interested and skilled in. 

Customer Support

Every so often, you will need help navigating the online casino or resolving an issue. The best online casinos have customer support teams available 24 hours a day, 7 days a week. Look for multiple communication channels including live chat, email and/or phone.

How to Get Started

Once you have settled on the right online casino, it’s time to set the stage for gameplay. The following steps allow you to do that:

Account Creation

Create an account. The exact process will vary from casino to casino. You will usually be required to provide some personal details for your profile (such as name, email address, phone number and date of birth), accept the terms and conditions, and then press a ‘Create Account’ button. Sign up to Casumo Casino, the best real money casino in NZ right here.

1. Depositing Money

Check the available methods for depositing money into your online casino account. That would typically comprise credit/debit card, e-wallet or bank transfer. Choose the one that’s most convenient for you.

2. Understanding Bonuses including Wagering Requirements

Casinos offer different types of bonuses in terms of deposit matching and free spins. These are meant to encourage the participation of new users and sustain continued engagement among more regular players. For new players, welcome bonuses can be particularly useful. Before you use a bonus, read the terms including wagering requirements. That way, you know what conditions you need to meet before you can withdraw the winnings.

3. Finding and Playing Games

Perhaps you have already spotted one or two games you like. But before you start playing, take time to explore as much of the casino’s game library as you can. You might just stumble on hidden gems that are the exact kind of games that would appeal to you.

4. Withdrawal Process

To withdraw your winnings, you can navigate to the casino account’s Cashier section and choose your preferred payment method. Follow the instructions for withdrawal and wait for the funds to arrive in your bank account, credit/debit card or e-wallet. Withdrawal can be instant (eg: with Casumo casino), or take up to a couple of days depending on the method chosen.

Frequently Asked Questions

How do you know if an online casino is legit?

An online casino is credible if it has been licensed by a respected gaming authority and is regularly subjected to fair play audits. Read through online reviews from past and present players for firsthand accounts of the casino’s legitimacy.

How do you know if an online casino is safe?

The best casinos use advanced encryption technology to protect players’ personal and financial data. They should also provide responsible gambling tools and resources to ensure players have the support they need when they are at risk of losing control.

Can you gamble online in New Zealand?

Online gambling is legal, but New Zealand does not allow the licensing of online casinos in the country. However, there are plenty of NZ online casinos that are registered, licensed and based overseas. These are all legal to play for NZ users to play.


There are many online casinos that pay real money. For NZ players, Casumo, Jackpot City, Spinz, Wheelz and Ricky Casino are the best options for real money gambling. To know which online casino is best for you, evaluate the casino’s licensing authority, cybersecurity controls, data privacy policies, game variety, payment methods and customer support. 

To get the most out of your gaming experience, develop and follow a strict budget, and follow a playing schedule. Always have your wits about you to stay in control of your gambling, and not the other way around.

About the author 

Peter Clayton

Peter is one of Indivisible Gaming's developers and has been working with us since 2015. When he isn't busy working on an upcoming game, he loves writing about all the games that he has played and tested. His experience in the industry is second to none, and we are grateful to have him on our team.