NZ’s top paying online casino in 2024

If you’re looking for the top paying online casino in NZ, you’re in the right place as our experts have sourced the fastest paying sites with instant cashouts and high payout percentages. You’ll also find real money games with excellent win rates and bonuses with very low minimum deposit requirements. 

Without delay, onto our expert list of the best online casinos that payout.

The best paying online casinos – our June recommendations

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Rank Casino Bonus Offer Payout Speed Win Rate Play Online
#1 Top Rated Casino
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Payout 1-2 days
Win Rate 98.46%
Deposit options include
  • NZ$ 5m Mega Moolah Jackpot
  • More than 630+ casino games
  • Secure banking options
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Payout 1-3 days
Win Rate 98.65%
Deposit options include
  • Wide range of deposit methods
  • Millions paid out every day
  • Over 1000 high quality games
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Payout 0-1 days
Win Rate 98.35%
Deposit options include
    nz flag
    Payout 0-1 days
    Win Rate 97.53%
    nz flag
    Payout 24 - 48 hours
    Win Rate 96%
    nz flag
    Payout 1-5 days
    Win Rate 97.13%
    nz flag
    Payout 1-2 Days
    Win Rate 97.81%
    nz flag
    Payout 2-5 days
    Win Rate 96.70%
    nz flag
    Payout 0-2 Days
    Win Rate 96.20%
    nz flag
    Payout 1-2 days
    Win Rate 96.10%

    Low paying online casinos – to be avoided

    If you’re looking for the best paying online casino in NZ, you’ll need to steer clear of those with a reputation for low payouts. Our experts have been busy in this regard too, so as to be able to compile a list of sites to avoid.

    Currently, we recommend that you give the below sites a wide berth due to their unacceptable payout rate.

    What makes these the best payout casinos – a closer look

    To make things easier for those looking for the best payout casinos, our experts have categorised the winners according to highest paying, best bonuses and fastest withdrawals.

    The below list also includes the highest paying casino games and the very best payout percentage you can expect from our top sites together with an average range.

    🥇 NZ’s top paying online casino
    Jackpot City Casino
    💸 Best for high payouts
    Spin Casino
    🎁 Best for bonuses  
    🎰 Highest payout casino games
    Video poker, blackjack, baccarat
    ⚖️ Average casino payouts
    ⬆️ Max NZ casino payout rate

    Highest payout casino games – best odds

    It’s not just about finding the top paying online casino in NZ. It’s also about picking online casino games with high payout percentages. Some game types are known to have a better Return to Player (RTP) than others, while games like online progressive jackpots have lower RTPs but have the potential to turn you into a millionaire in one fell swoop.

    Below, we delve into more detail about which are the best online casino game odds.

    Casino game Average payout rate Highest paying title
    Jacks or Better - 99.54%
    Blackjack Switch - 99.6%
    La Partage - 98.65%
    Punto Banco - 98.84%
    Online craps
    Don’t Pass - Don’t Come, 98.64%
    Three Card Poker - 98.5%
    Mega Joker - 99%

    Video poker – the highest paying casino game

    Video poker is undoubtedly one of the highest payout casino games you can find. While the idea of high RTP and low house edge are never absolute, and depend on various factors, some games are structured in such a way as to yield better odds, and this is one of the top contenders.

    You may find specific variants of other games with a lower house edge but as a general rule video poker will offer the best RTP range you can find. Offering an RNG version of the live dealer game, video poker differs from slots in that it allows you to make decisions that affect the outcome of each hand, offering the potential of higher returns based on your skill.

    Achieving the maximum RTP percentage depends on the choices you make, so you’ll need to understand and master poker game strategies to fulfil the highest payout potential. Below, you’ll find our experts’ list of the best payout casino poker games.

    Video poker variant Software provider Payout Percentage
    Double Joker Poker
    Bonus Poker Deluxe
    Full Pay Deuces Wild
    Full Pay Jacks or Better
    Double Double Bonus Poker
    Realtime Gaming
    Deuces Wild

    Other table & card games

    Nowadays it’s not too difficult to calculate the best online casino payouts, because the reputable sites you’ll find recommended here all include the payout percentages for their games. 

    Table games like real money blackjack, baccarat and roulette are known to have the highest percentage payout, which is why you can’t always use the bonus money to play them. There is very minimal difference between the RNG and the live dealer casino version, as the house edge primarily derives from the game rules, rather than the format. This means that the RTPs in both cases are similar. 

    Live dealer poker is an exception. Because it’s usually played against other players, rather than the house, the concept of RTP doesn’t quite apply in the same way. RNG video poker version offers the best deal overall, with some variants having an RTP of more than 99%. That said, even if you’re playing against the dealer you’re still getting a relatively higher RTP average when compared to online pokies.

    Online pokies & RTP

    The top paying online casino pokies are the ones with the highest RTPs. When factoring in the RTP, it’s important to remember that this does not refer to a game’s potential for a single large payout, but to the game’s expected payout rate over time. 

    Thus, an RTP of 97% means that, across a long period of time, a pokie is expected to return NZ$97 for every NZ$100 wagered. Some casino software providers, like Playtech and Microgaming, are known for consistently creating pokies with very high RTPs ranging from 97.5% to 99.3%,  but it was NetEnt that kicked off the trend with Blood Suckers at 98%. 

    Let’s take a look at the best payout online slots.

    Pokie game Software provider Payout percentage
    Mega Joker
    Uncharted Sea
    Blood Suckers
    Tropic Reels

    How we review casinos with the best payouts

    When searching for the best paying online casino in NZ, our experts follow a very precise process that is based on factual data.

    To help us decide whether a site will make it on our list of best online casinos that payout, we use a consistent set of criteria, each of will is very important to the overall player experience. Let’s delve into these so you can understand better our online casino review process.

    Range of casino games & software

    The best paying online casinos in NZ offer a wide variety of high RTP casino games, including low stake and high variance titles. Sites like Rizk casino offer a selection of the best paying online pokies, as well as many different variants of table and live dealer games , all of which come with a super low house edge.

    We also expect to see providers who are well-known for creating titles with high RTPs, such as NetEnt, Microgaming and Playtech casino games. All these factors will impact whether a site will really offer the best casino games payouts.

    Casino bonuses & promotions

    We’ll just come out and say it. Sadly, the highest payout online casino games aren’t always eligible for casino welcome bonuses. This is because it wouldn’t make financial sense for the operators as they wouldn’t be able to recoup their profits in the long run. Thus, you’ll often find games like online roulette, blackjack and baccarat excluded in the terms and conditions. 

    The same applies to online pokies with a very high RTPs. Many of NetEnt’s best paying titles, for example, are often excluded in the list of games eligible for the bonus. 

    Because of this, when scoring a best payout online casino we give priority to sites that offer special bonuses for high paying games. Quickwin, for example, regularly runs a live dealer blackjack bonus – when you combine the offer with the 99.4% average payout of the game, it’s easy to see why the site is one of our best online casinos that payout.

    Apart from that, our experts also ensure that any bonuses come with fair terms and conditions, such as reasonable wagering requirements and expiry terms.

    Payment range and policy

    When it’s time to cash out at a top paying online casino in NZ, you want to find a withdrawal method that’s convenient for you. Because of this, we favour sites that offer a reasonable choice of at least six options, like Casinoly casino. And we also want to see Kiwis’ favourite banking methods, like VISA and MuchBetter, accessible.

    Moreover, the best payout online casino real money games don’t count for much if the  cashier policy is too strict. If, for instance, the withdrawal limits are very low, then you won’t be able to easily get your hands on a big payout and we can’t really describe the site as a best paying online casino.

    Spinz casino is difficult to beat in this regard, allowing you to cash out up to NZ$4,000 in one go as many times as you like. This trumps sites like Winawin by a mile, considering VIPs can only cash out up to NZ$1,500.

    The best payout casinos are also the fastest paying casino sites. This pushes BetandPlay and TonyBet towards our top scorers as they promise to deliver the winnings to your account in 24 hours max.

    VIP & loyalty schemes

    You know what gives your journey towards the best online casino payouts a good boost? A good VIP casino program and strong loyalty schemes. These help stretch your bankroll for longer and give you access to special perks that aren’t available to other players. 

    Casumo casino, for example, has a very solid program dubbed the Casumoverse, which offers bigger bonuses every time you advance on the progress bar. Casinoly’s VIP program includes cashbacks and a range of customised perks based on your preferred gaming style. 

    Such elements are looked upon very favourably by our experts, cementing each site’s position as a best paying online casino.


    A trustworthy top paying online casino NZ should take its safety and security very seriously, just like our experts. We insist on authentic games supplied by highly reputable software providers in order to be sure that each game can fulfil its potential RTP%. All our recommended sites fall within this category, offering only the best providers in the industry.

    Besides a reputable gaming license, like that supplied by the Malta Gaming Authority or the UK Gambling Commission, we look for independent auditing to ensure that wins are really randomly generated. Sites like 7Bit, Royal Vegas and Cosmo all display the logo of auditors like eCOGRA on their homepage, which is why we score them highly. 

    Finally, we also take a good look at what other players are saying on fora like Reddit and Twitter. If we sniff any delays in paying out, they’re not getting our seal of approval.

    Overall casino rating

    Snatching a big win is great fun, but the online gambling experience goes well beyond the payout offer. You can only truly enjoy your time playing if the experience is an excellent one from start to finish, and this includes elements that have nothing to do with money.

    Before deciding to recommend a top paying online casino NZ, our experts ensure that the customer support is on point (preferably with 24/7 live chat), that players can access all games seamlessly on a mobile device and that it’s easy to locate your favourite games via an efficient filtering system. A user-friendly platform, with terms and conditions that are easy to find and understand, is also important. 

    All these elements will decide whether or not you’ll enjoy your experience at that site or not.

    What are casino payouts – how RTP works

    Why is the RTP so important when looking for the best online casinos that payout? RTP refers to the percentage of all the wagered money that an online pokie or casino game will return to players over time. Think of it as the opposite of the house edge – the lower the house edge, the higher the RTP. 

    As an example, let’s take a video poker game with an RTP of 98%. For every NZ$100 wagered, the game will pay back NZ$98 on average.

    There’s a catch. This doesn’t mean that with every NZ$100 you play on that game you’re guaranteed to win NZ$98. The percentages only work in the long-term, so that if you take an average across many hours of play that would be the approximate result. However, the truth remains that a higher RTP increases your odds of winning.

    In the above example, the house edge would be 2% (100%-98%). The lower the house edge, the better, which is why players love blackjack variants with a 0.5% edge.

    How to find the best online casino payouts – our expert tips

    All set to discover the best paying online casino? We’ve compiled a set of tips below to help start you off in the right direction and to empower you to make your own well-informed choices.

    • 1

      Pick your top paying online casino NZ from our experts’ recommendations

      This is the fastest and easiest way as each site has already been thoroughly tested by us to ensure that it really pays out as it promises.

    • 2

      Pick a deposit method that also allows you to withdraw

      Casinos prefer if you stick to the same method for your deposits and cash outs, mostly for legal reasons. If your deposit is made by, say, a prepaid voucher, this may lengthen the process for your cashout.

    • 3

      Check the withdrawal limits thoroughly

      Sites with very low limits will make it more difficult for you to access any large winnings in a short span of time.

    • 4

      Strategise between low and high variance games

      Are you looking for an occasional big windfall? If you like the big payout thrills look for high volatility titles. For smaller wins that are doled out more often, low variance is what you’re after.

    • 5

      Pick sites with a good selection of progressive jackpots

      These are the games with the largest possible payouts, but don’t forget to check the casino’s track record when it pays out jackpot wins as some operators will not pay out the win in a lump sum.

    Should you play at high paying casino sites?

    While it’s difficult to think of a reason why you shouldn’t play at the best online casinos that payout, we understand that things can get a bit overwhelming if you’re not overly familiar with online gambling yet. The below list of pros and cons can help put things in perspective.


    • High withdrawal limits – the best online casinos that payout tend to be very generous, with some imposing no limits.
    • Games with better odds – such sites also offer games with the highest RTPs in their library. 
    • Faster cash out options – because they’re geared towards making withdrawals easier, these casinos offer the speediest payment options.
    • Excellent VIP programs – this is another trend with sites that take a player-first approach, offering more perks the more you play.


    • Wagering requirements must still be fulfilled – if you try to cash out before, you won’t be allowed to. 
    • Games with the best payouts don’t always qualify for the bonus cash – read all terms and conditions carefully as this is where you will find all exceptions.

    Top paying casino FAQs

    What online casino has the highest payout rate?

    Our experts have tested numerous casinos and found Jackpot City Casino to offer the highest payout rate on a consistent basis. If you’d like to find out which other sites we recommend to players in New Zealand, check out our curated list of best online casinos that payout.

    What casino game has the highest payout?

    Video poker is the casino game that consistently offers the highest payout with an average RTP of 98%. It is closely followed by table games like roulette, blackjack and baccarat, which all have a very low house edge. If you’d like to learn more, check out our section about best paying casino games.

    What is the highest paying slot machine online?

    NetEnt’s Mega Joker is currently the game with the highest RTP of 99%. Online pokies vary wildly in terms of Return to Player, although many modern titles will at least reach the 97% benchmark. If you’re looking for more high paying slots, check out our experts’ list of best payout online slots.

    Ramona Depares

    Written by Ramona Depares

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    NZ casino expert

    Ramona Depares is an award-winning journalist focused on cultural and entertainment related content. Based in the Mediterranean gaming hub of Malta, she has taken a deep interest in gambling related news since the earliest days and has seen the global landscape evolve. Ramona specialises in the legal and regulatory aspects of gaming across multiple jurisdictions, with specific interest in NZ and US markets. She is also a best-selling author of fiction and non-fiction books.