Payment Methods on the Betting Apps We Tested: The Full UK Picture

• Every app takes crypto and at least one debit card. Those are the two universal routes.
• Unlike UK-licensed bookmakers, three apps accept credit cards (Spinpolo, Daytonaspin, WinWinter), because offshore apps are not bound by the 2020 UK ban. Betting on credit carries extra risk.
• No app takes PayPal, Neteller or Paysafecard. Only Runa takes Skrill.
• Withdrawals run 1 to 3 business days on every app and every method. None is an instant-payout site.
• Wallet and card routes pay back to the card; bank and crypto pay back to source.
• These apps are offshore, outside UKGC protection: no GAMSTOP, no Alternative Dispute Resolution.

How many of the 12 apps take each method, from the cashiers we tested.

Each method has its own page below with the app-by-app detail.

Crypto is the one route every app takes. Across these crypto betting sites not on GamStop, seven of the 12 also pay winnings out in crypto, while two (Basswin, LuckyWave) take it for deposits but pay out another way. Coin ranges vary, from a single-figure set up to nine coins at Runa, and three apps did not surface coin detail in testing.

Cards are close to universal: Visa at 11 apps, Mastercard at 11, Maestro at two. The notable point is credit cards. UK-licensed bookmakers cannot take them since the 2020 ban, but three of these credit card betting sites do (Spinpolo, Daytonaspin, WinWinter). That is a real difference from the UK-regulated market, and a reason for caution, since betting with borrowed money is exactly what the ban set out to stop.

Nine of these betting sites with bank transfer take a bank route: a named bank transfer, a named UK bank such as Monzo, online banking, or Pay by Bank. None uses Trustly, which most bank-transfer guides treat as the default, so it is worth knowing these apps do not offer it.

Eight of the betting sites that take Revolut accept it either as a named option or through the Revolut card. It works as a normal Visa or Mastercard debit card, with the in-app gambling block being the setting that most often causes a declined deposit.

Five of these betting sites with Google Pay take it (Basswin, Beonbet, Spinpolo, Daytonaspin, WinWinter). It is a tokenised wrapper for your debit card and is deposit only, so winnings return to the card behind your wallet. Because most of these are browser apps, Google Pay’s Chrome support is handy.

Apple Pay is the narrowest of the real methods: three betting sites that accept Apple Pay here, Basswin, Gambiva and Beonbet. Gambiva is worth a mention, since Apple Pay is its main mobile wallet route rather than one option among several.

Like Google Pay, Apple Pay is a tokenised wrapper for a debit card, so the app never sees your real card number, and you approve each deposit with Face ID or Touch ID. It is deposit only here: winnings return to the card linked to your Apple Wallet, not to Apple Pay itself, over the card rail in 1 to 3 business days. Only a debit card can be added, since credit cards cannot fund gambling from a UK Apple Wallet even where an offshore app would otherwise accept one. Apple Pay runs on iPhone, iPad, Apple Watch and Safari on a Mac, so it is the iPhone counterpart to Google Pay. If you are on Android, Google Pay is the equivalent route.

Worth stating plainly, because other guides rarely do. Across all 12 apps we tested:

• PayPal: accepted at zero apps.
• Neteller: accepted at zero apps.
• Paysafecard: accepted at zero apps.
• Skrill: accepted at one app only, Runa.

If PayPal is how you bet, none of these apps will suit you. Our PayPal betting sites guide sets out the alternatives that these apps do offer.

One rule shapes how you get paid across all these apps: winnings usually return to the method you deposited with, at least up to the amount you put in. Deposit by card and the payout comes back to that card. Deposit by bank transfer and it is closed-loop, returning to the same account. Deposit through a wallet (Revolut, Google Pay, Apple Pay) and it routes back to the card behind the wallet, since the wallets themselves do not receive payouts here.

This is an anti-money-laundering norm, and it catches people out most with the mobile wallets, where the payout lands on the underlying card rather than the wallet. Worth knowing before you deposit, not after you win.

Deposits are near-instant on every method. Withdrawals are the honest story: 1 to 3 business days across the board, with the first payout slower because a one-time identity check runs before funds are released.

No method here is an instant-payout route. Even crypto is quoted in days, not minutes, so treat any “instant withdrawal” claim with that in mind.

Most apps run GBP cashiers. Three run euro cashiers (Basswin, Spinpolo, SpellWin), so a sterling deposit into those is converted. Minimums are low, from £15 at Runa up to £20 or €20 at most others. We did not see a deposit or withdrawal fee from the apps in testing, though your own bank or card issuer may apply one, and euro conversion has a cost set by your provider.

• Want the card off the site entirely: crypto, Revolut, Google Pay or Apple Pay all keep your card number out of the app.
• Want the simplest, most universal route: a debit card, accepted at 11 apps.
• Want payouts in crypto: seven apps support it; the rest return crypto deposits another way.
• Holding euros or on a euro cashier: Revolut’s multi-currency account suits Basswin, Spinpolo and SpellWin.
• Prefer a bank route: nine apps take one, though none uses Trustly.

Two things decide whether a deposit earns a bonus. First, whether the app has a sports offer at all: Wildzy, Spinpolo, Daytonaspin and WinWinter advertise casino-only packages, so there is no sports welcome to claim regardless of how you pay. Second, whether the method qualifies. Card, wallet and Revolut deposits read as a card and usually qualify where cards do; some offers exclude specific methods, so read the terms before depositing, since a non-qualifying method typically voids the offer with no way to reset it.

• Deposit declined: the most common cause is a bank or card gambling block, not the app. Many UK banks (Monzo, Barclays, Lloyds and others) offer one, and it now covers open banking payments as well as cards. Check your banking app first.
• Withdrawal delayed: usually an incomplete identity check. Submit ID and proof of address early, and keep the name consistent across your account, payment method and documents.
• Wallet payout confusion: a Google Pay or Apple Pay deposit pays back to the card behind the wallet, not the wallet. That is expected, not an error.

At the payment step, the usual protections apply: card payments run through 3-D Secure, and the wallet and crypto routes keep your card details or bank login off the app. Those protect the transaction.

What is different here is the layer above the payment. These apps are offshore, so the UK safety net that applies to UKGC bookmakers does not: there is no GAMSTOP self-exclusion, no Alternative Dispute Resolution route if a payout is disputed, and no UKGC customer-funds protection categories to check. Card chargeback rights still exist through your issuer, but gambling transactions face tighter acceptance than ordinary purchases. In short, the payment can be secure while the wider protection is thinner than at a UK-licensed site. That trade-off is the thing to weigh before depositing.

Because there is no GAMSTOP here, the strongest controls on your side sit at your bank: a gambling block that stops deposits to betting merchants at source, offered by Monzo, Barclays, Lloyds and others, now covering open banking as well as cards. That the three credit-card apps let you bet on borrowed money is a further reason to set one if you want a hard brake.

If gambling is affecting your money, your mood or the people around you, support is free and confidential through GamCare and BeGambleAware. See our responsible gambling guide for limits and self-exclusion tools.

18+. Instant crypto and wallet top-ups make redepositing easy, and a few apps still take credit cards, so a deposit limit belongs first. None of these apps is on GamStop, so the caps inside each cashier and independent blocking tools are what hold; see our responsible gambling page for those and for self-exclusion.

• UK availability: all 12 apps accept UK players.
• Licensing: offshore (Anjouan, Curaçao, Costa Rica). None hold a UKGC licence.
• Last checked: September 2026.