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Huge withdrawal limits and High RTP Slots

All transactions at casinos come with limits, and this is where the top paying NZ casinos come in. You have minimum and maximum deposit limits, your banking methods have transaction limits, and you are limited to the amount you can withdraw at any given moment. This is when it helps to know that you are playing at the top paying online casino NZ.

Play at a top paying online casino in NZ

We compared some of the best online casinos in NZ to check which ones had the highest withdrawal limits, combined with the biggest range of payment methods that could facilitate a large transaction. In addition, established casinos that have the financial flexibility to handle large transactions tend to process their withdrawals efficiently. 

Top Paying Casinos NZ
Casino Offer Rating RTP and Withdrawal Limit Visit
50% Cashback up to $400 *No Wagering Requirements
Read Review
98.5% RTP
Withdrawal Limit:
  • $7 500 Weekly
  • $15 000 Monthly
$1100 Welcome Offer + 375 free spins
Read Review
98.1% RTP
Withdrawal Limit:
  • $7 500 Weekly
  • $15 000 Monthly
$1600 Welcome Bonus
Read Review
97.9% RTP
Withdrawal Limit:
  • $4 000 Weekly
$100 Welcome Bonus + 100 free spins
Read Review
97.1% RTP
Withdrawal Limit:
  • $5 000 per Transaction
  • $40 000 using Bank Transfer
$1000 Welcome Bonus
Read Review
97.7% RTP
Withdrawal Limit:
  • $4 000 Weekly

Some casinos will give you bigger deposit and withdrawal limits as rewards for playing regularly. This option is usually part of the VIP or loyalty programme. You will need to play to earn points, and points determine your tier. Players on higher tiers often get a range of extra benefits, including faster payouts with larger limits. However, it takes time and often a lot of money to climb rewards tiers, and not all casinos have these programmes in place.

Join the top paying online casino 2022

When you play at the best paying online casino NZ 2022, you’ll be able to enjoy the benefits of getting more value for your money. Many platforms are available to punters in the region; thus, selecting those that qualify as top-paying can be a little tough. Among the myriad of platforms, Vegas Lounge casino is one of the few we have confirmed to fall into this category. As one of NZ’s top paying online casinos, Vegas Lounge has managed to keep players returning for more action with its fine range of bonus deals.

Join the top paying online casino NZ 2022

No wagering requirements on Vegas Lounge casino cashback!

For example, this platform has a cashback bonus that gives back a percentage of money lost to players. For this offer, new players only need to sign up and claim the Welcome Bonus of 50% Cashback Bonus up to NZD 400 with zero wagering requirement. While this is different from what many online casinos offer new players, it is indeed a generous deal, especially for players who hit a losing streak during their first few play sessions. Aside from the interesting Welcome Bonus, players at the highest paying online casino NZ get access to a promotion planner that provides various deals weekly and sometimes monthly.

Alternatives to the top paying online casino NZ

The payout percentage or payout rate of an online casino is the biggest criteria in determining which are New Zealand’s top payout casinos. The table below details the 10 NZ casinos with the highest payout rates, and lists them from highest to lowest; though each of these is still the elite when it comes to large online casino payouts.

PositionCasinoPayout %
1SkyCity Online Casino98.3%
2CasiGo Casino98.1%
3Jackpot City Casino97.9
4Spin Casino97.7%
5Ruby Fortune Casino97.4%
6Royal Vegas Casino97.4%
7Dunder Casino97.1%
8Jonny Jackpot Casino96.9%
9Captain Spins Casino96.8%
10LeoVegas Casino96.3%
NZ top casinos best payout odds

Looking for something different? Try these curated lists of casinos

Click on any of the categories below to discover the right casino(s) for you: 

Highest paying top-rated casino

Europa casino has emerged as the best rated payout online casino NZ, with an exceptionally high score of 4.1 from our casino review process. With their amazing casino experience also comes a high payout rate of 98.3%!

Play at the highest paying top-rated casino

Europa Casino brings top online casino payouts with a top tier gaming experience.

Highest paying fast withdrawal casino

If you’re looking for large withdrawals and fast withdrawals from one online casino, Lucky Fox will give you exactly that. They have fast withdrawals ranging from immediate to 2 days and pay out as much as 96.4%.

Highest paying fast withdrawal casino

Get paid high and paid fast at Lucky Fox.

Highest paying newly launched casino

Playerz Casino launched this year and has already made it rain for many new players. Their payout rate of 96.7% is really impressive.

Play at the highest payout newly launched casino

Withdraw big at the oh so fresh Playerz Casino.

Highest paying low deposit casino

Accepting deposits as low as $1 while also offering one of the largest withdrawal limits around, 7bit is the greatest choice for those wanting to deposit low and get paid out high. Their RTP of 95.4% makes it even better.

Play at the highest paying low deposit casino

Deposit as little as you want and still be privy to high payouts.

3 Advantages of the top paying casinos

Want to know the main reasons high rollers and experienced casino players choose top-paying casinos? To win big, of course, and to actually be able to access your winnings. While playing the best casino games, you also are able to:

  1. Win more often with the highest RTP slot games
  2. Bet high on pokies with larger maximum bets
  3. Access all your winnings with larger withdrawal limits

4 Things you need to know about top paying online casinos in NZ

There are a few factors that can influence the amount of money that you can withdraw. 

  • If you have a bonus attached to the funds in your account and have not fulfilled the wagering requirements
  • If you have made a deposit but not wagered any of it, the casino might either refuse to process the withdrawal or penalise you by removing your bonus or adding banking fees if you have not wagered your deposit amount.  

Besides fulfilling the wagering requirements, to make use of the highest-paying casinos for kiwis, you need to understand 4 important factors; Withdrawal limits, withdrawal options, return to player values, and what to do when you win that big jackpot.

Withdrawal limits explained

Nowadays, there are many online casinos run by smaller companies. They usually set withdrawal limits to guarantee their financial stability. The limits ensure that they will not have to pay out one big lump sum at a time without compensating for it. For instance, if more than one player wins a sizable jackpot in a short period, the casino could probably face financial struggles. Online casinos have different kinds of limits, so you must know how they work:

  • A Daily Limit allows you to redeem a maximum number of accumulated withdrawals within 24 hours.
  • A Weekly Limit caps the maximum value of how much you can withdraw in accumulated withdrawals between Monday and Sunday.
  • A Monthly Limit allows players to cash out a maximum monthly limit for 30 days or as stated in the terms and conditions.

Commonly, online casinos are not permitted to use players’ funds for operating costs. Several casinos limit the withdrawals of larger amounts to maintain a cash flow of payable winnings on hand. Some online gaming platforms might also argue that they do not pay out an entire amount in one go to safeguard the player from a hurried decision on what to do with the cash. In this case, they opt for a regular movement of lesser quantities. However, this decision is entirely up to the player. If you do win an increased amount of cash and do not know what to do with it, we recommend that you do nothing for a few days to let it sink in and then either make up your own decision or consult with a financial advisor.

Maximum withdrawal at our top paying casinos

Aside from these factors, the maximum withdrawal will depend on the casino’s policy and the payment options the casino offers. Most casinos will have a maximum withdrawal limit within the $4000 to $5000 range per transaction, depending on the payment method. However, some casinos have a monthly withdrawal limit of $10000, so you will only be able to perform two transactions before you reach the limit. At a top paying casino, this monthly limit is either a lot higher, or it is negotiable depending on your VIP status. Some casinos have no maximum limits.  

One major exception to the transaction limits is cryptocurrency. There are usually no upper limits set on cryptocurrency transactions, although casinos do vary. Generally speaking, at a good casino you can withdraw as little or as much as you like if you play in cryptocurrency, as long as there are no wagering requirements or other limitations on your casino account. 

Minimum withdrawals at our top paying casinos 

Casinos that allow small deposits tend to allow small withdrawals too. The minimum deposit and withdrawal that you are allowed to make at most casinos will depend on the payment method you have chosen and the casino’s policies. Some casinos do not let lower limits for deposits, or have very low limits for both deposits and withdrawals. Depending on the casino, you can deposit as little as $1, and make a withdrawal from $1.50.   

Others have a set minimum withdrawal amount across all payment methods, which could range from $10 to $50, depending on the casino’s terms and conditions. This could also vary according to payment method. Some casinos have higher limits on bank transfers, for example, than they do on web wallet withdrawals.  

The exception to the minimum withdrawal limits is often cryptocurrency. If a casino accepts cryptocurrency, the minimum deposit and withdrawal amount tends to be a lot more flexible than traditional payment methods.  

Best withdrawal options for low exchange rates

To ensure a cost-effective and budget-friendly experience, knowing which casinos offer the best exchange rates for Kiwis when playing in a different currency is critical. It is always important to research beforehand and ensure that the casino has all the requirements you need. The best New Zealand Casinos provide sky-high pay-outs when using popular e-wallets like:

  • Neteller is an electronic wallet that has grown in popularity and is currently viewed favorably among online casino players. Not only does it provide instant transactions, but it has some of the lowest fees in the business. When you fund your casino account with Neteller, you can enjoy speedy transactions and fast withdrawals that can take up to 24 hours.
  • PaySafeCard has become one of the most featured ways to fund casino accounts, and it is a payment option that stands out. This prepaid card allows players to make online payments most flexibly. With the use of a 16-digit PIN, players can top up their online casino accounts within minutes, as long as they have funds available in their balance.
  • ePoli is one of New Zealand’s most-loved payment method that allows players to make instant deposits and up to 48-hour withdrawals. When topping up your casino account with ePoli, you do not need to use a debit or credit card. Enter the desired amount, and the deposit will be instantly available. This payment method is convenient and maintains high-security standards as they frequently perform security vulnerability scanning on their system.

You can read up on how to check daily withdrawal limits here

High pay-out rates and percentages

Payout percentages in the online gambling industry can apply to how much a casino pays out concerning how much a player spends. Simply said, payout percentages refer to particular casinos or the Return to Player of specific games. The payout rate is the average amount of money a casino returns to players from the amount of money they gamble at the same casino. The average percentage payout is one of the most highly precise statistics in the gambling industry. These show the percentage of player wagers returned as winners over time, as monitored monthly by independent experts like eCOGRA and often disclosed via links at the bottom of casino webpages.

What happens when you win big at a casino?

Have you ever wondered what happens after you win big at a casino? You cash in funds with the best payment methods, find your favorite online pokie machine, start spinning the reels, and hit the jackpot. But there are a few things you should know beforehand:

  • The IRS gets a cut.
    Unfortunately, you are going to have to pay tax on every single cent. The good news is that if you are a regular gambler that enjoys playing on a desktop or a mobile casino, you can deduct the money you spent before winning big.
  • Verify your identity.
    Online casino attendants will ensure that you are who you say you are, which is a reasonable and fair task. The casino will hold the money in safekeeping until you can provide identification.
  • Good things take time.
    After you have hit the motherload, the best New Zealand casinos will need to verify your win, inform managers, gather tax forms, ensure that you are not on the restricted list, and deal with paperwork before you receive any of your funds.
  • You are incredibly lucky.
    Pokies are designed to pay out big sums on an infrequent basis, otherwise, casinos would not make any money. So, if a pokie machine has 64 stops on each reel, your chances of getting a Jackpot would be 1 in 262,144.
  • Expect a change.
    Depending on the bonus, and the size of your winnings, your life might change from this point forward.

Highest paying casino games

We’ve found the top paying games in each category. Different types of casino games can vary greatly in payout rates, but surprisingly, the highest-paying games have quite similar pay-out rates.

  1. American Blackjack
    As of NZ casinos highest pay-out rates, American Blackjack offers a 99,5% Return to player percentage. With a strategic play style and a managed bankroll, players can easily walk away with some extra cash.
  2. European Baccarat
    European Baccarat has a pay-out rate of 98,9%, which can increase your chances of winning significantly whilst letting you enjoy the fundamentals of its gameplay.
  3. Poker – Texas Hold’em
    Whilst having one of the highest pay-out rates, Texas Hold’em offers a 98,6% pay-out percentage. Try your luck at poker casinos and cash in some big wins.
  4. Slots – 8 Lucky Charms
    Pokies casinos have a house edge in between 2% to 10% and while there are thousands of pokies to choose from, 8 Lucky Charms offers a 97,4% pay-out rate. Check out the Highest RTP slots in the next section.
  5. European Roulette
    A fun and entertaining roulette variant that has gained popularity in online casinos because of its pay-out potential, European Roulette is an absolute delight in the world of the table and card games and offers a 97,3% pay-out rate.

Highest RTP slots NZ

Nowadays, one of the most important factors when playing any online casino game is the RTP – Return to Player ratio. The highest RTP games are incredibly attractive to players since they provide a consistent gaming experience. An acceptably high return to player ratio is anything at or above 98%, and some popular titles are:

1.Ugga Bugga by Playtech99.07% RTP

This popular game has a Wild symbol feature that players from across the globe enjoy, allowing players to claim a maximum win of up to 1,000x.

2.Mega Joker by NetEnt99% RTP

This fruit-themed game has 40-win lines and a stacked Joker Wilds feature. This progressive jackpot has been a favorite since its release in 2013.

3.1429 Uncharted Seas by Thunderkick — 98.6% RTP

This game includes a wild symbol that covers entire reels, helping to create bigger wins. There is also a bonus feature where players can earn up to 50 Free Spins.

4.Jokerizer by Yggdrasil — 98% RTP

This exciting game was released in 2016 and has been a popular choice amongst online casino players since it offers a unique Mystery win feature.

5.Rainbow Riches Pick n Mix by Barcrest — Up to 98% RTP

The Big Bet feature lets players increase their stake when triggering three bonus features, which consequently results in Free Spins.

Our top choice to play the highest RTP slots

The casino created for pokies.

Top paying casinos FAQs

What is the best payment method to choose to make a big withdrawal?

If you are looking for a payment option that gives you the most flexibility, both in terms of the minimum amount you can deposit and the maximum amount you can withdraw, playing with cryptocurrency is the best choice. However, cryptocurrency is still very new on the digital landscape, and many players are not yet comfortable with it.

If I don’t play in cryptocurrency, what’s the next best option?

If you are playing with more traditional payment options, each withdrawal transaction is usually limited to around $5000. At top paying casinos, you can make multiple withdrawals to get to the amount you would like in your bank account. This means that when choosing a withdrawal method, you need to look at the transaction fees. Some payment methods charge a flat transaction fee, and others will charge you a percentage of the amount you withdraw. In general, web wallets like Neteller or EcoPayz tend to be the most cost effective and quickest payment options.

Why do casinos set maximum withdrawal limits?

There are several reasons why a casino would have maximum withdrawal limits, but two of the main reasons are to protect the casino, and to protect the player. If a player wins a big jackpot at the casino, if there are maximum withdrawal limits in place, the casino can space out the payments. This is especially important for smaller casinos. These limits can also protect the player if someone else gains access to their casino account. However, due to the stringent security measures in place at most good casinos, this is an unlikely scenario.

What’s the difference between a transaction limit and a casino limit?

A transaction limit is the amount of money you can withdraw in a particular transaction. Most casinos will display this information on their banking pages. If you look at the withdrawal methods available, you will see the min and max allowed for each payment method. These limits tend to vary according to payment method. Prepaid cards, for example, tend to have lower max limits than Visa and Mastercard options.

A casino limit, also known as a time limit, is the amount of money that a casino will allow you to withdraw within a particular time. Some will only allow one withdrawal a week, others will allow $10000 in a month. Top paying casinos will give you bigger limits. This information is not as easy to find as the transaction limits, but it should be in the terms and conditions. If not, you can ask support to provide you with this information.

How much can you cash out at a casino?

Suppose you have a stroke of good luck at online casinos. In that case, you will want to cash out your casino winnings as efficiently as possible. Learning about casino withdrawal limits is exceptionally essential so that players know how to get their money back as fast as possible. The limit is a daily, monthly, or yearly limit that is set by the casino. And to know how much the limits are, it is always wise to read through the Casino’s Terms and Conditions. Generally, NZ casinos allow players to cash out up to NZ$5,000 per transaction.

There are many deposit and withdrawal banking solutions available at online casinos. But not all payment methods provide fast withdrawals. This is why it is essential to determine what banking options are available and the limits set in place with each provider. Usually, for conventional payment options like Credit/Debit Cards, players can cash out to NZ$14,000 per week. However, popular banking solutions like Neteller, Trustly, and ecoPayz, allow Kiwis to withdrawal up to NZ$5,000 per month. On the other hand, e-wallets like Skrill let players withdrawal up to NZ$20,000 per month. But, regardless of the individual payment provider limits, Kiwis should keep in mind that each online casino is unalike and may have different withdrawal limits.

What casino pays out the most?

Captain Spins was launched in 2019 and is managed by White Hat Gaming. At Captain Spins Casino you can jump right in and claim a multi-bonus welcome package of up to NZ$1,200 in free bonus cash and 260 free spins that you can redeem on NetEnt’s pokie game Book of Dead. If you have never played at Captain Spins, we recommend trying this impressive fan-favorite casino.

What pokies payout the best?

Of course, when we publish figures like Percentage Payouts, they are audited figures provided by external companies like eCogra, so that they can be trusted. While online casinos take their Payout Percentage seriously (after all, it’s a way for the player to know how trustworthy the casino is), casino games also Return to Player rates to establish how profitable a game is. Progressive Jackpot games typically have a lower RTP rate, but is to be expected as this jackpot game is linked to a network. Microgaming’s MegaMoolah has an RTP of 88%. Still, as it seeds at NZ$1 million, this Guinness Book of Records holder for the biggest payout prize ever is always worth trying.

What Online Casino has the most Payouts?

When addressing the question of which online casinos have the highest Percentage Payouts, we have to consider online casinos that offer the highest Return to Player rates in relation to how much a player has bet. RTP, or Return to Player, is the term online casinos use to describe the percentage of all the wagered money a pokie machine or online casino will pay back to players over time. For example, if you play a pokie with an RTP of 90% and make a hundred $1 bets, you can expect to get back about $90 in wins over time. Online casinos with higher Payout Percentages or higher RTP’s have the most payouts, and today you can play at two top paying online casinos.


Heavily focused on the New Zealand market, SkyCity Online Casino is an online branch of Auckland’s mega-successful land-based Sky City casino. With the most numerous payouts for Kiwis, SkyCity online casino has a Payout Percentage of 97.7%, which makes it a top paying online casino in NZ. There’s a very attractive bonus on offer for new players, made up of a 100% deposit bonus and 70 free spins free from wagering requirements. To get the ball rolling, start with a deposit from $10.


Captain Spins online casino is another we cannot neglect to mention. With a very attractive 97.85% RTP, this casino offers the highest RTP, which means it will pay out the most in relation to how much players bet. At Captain Spins, with a minimum deposit from $10, you can jump right in and claim a multi-tiered welcome package of up to $1,200 in free bonus cash and 260 free spins.

Top paying casinos pros and cons 


  • Higher or no withdrawal limits mean you have more access to your money.
  • Top paying casinos tend to have a range of payment options, so you can choose a method with the best fee structure for big transactions.
  • Casinos that can process large transactions tend to have very efficient payment processes, which means that you can get fast withdrawals too.


  • You may need to negotiate with the casino for higher withdrawal limits.
  • The ability to withdraw large amounts from your casino account does carry some security risks.
  • Multiple transactions may be required to withdraw the amount you would like. This means you could be paying more in fees, depending on your banking method’s payment structure.

Top paying casinos news and guides

Every website out there is just speaking about the minimum deposits needed and general bargain type of news. However, we also want to bring some focus to what is happening in this industry when it comes to large payouts. Where can you find the casinos allowing you to extract large payouts and withdrawals? Keep on top of the latest developments right here with our news and guides on the real money Top Paying Casinos.

Top 5 highest casino payouts in New Zealand history

These are real New Zealanders winning real money from casinos, mainly from progressive jackpots. We scoured the both the web, and every social media account and platform we could find. We now have a complete list of the biggest casino payouts that have ever happened on our favourite island!

  1. Did you know that the biggest progressive jackpot ever paid was claimed by an anonymous player on the 28th of September 2018? Sadly, there are no details about the winner, apart from the fact that they took home a whopping prize of NZ$18,915,721 on Mega Moolah.
  2. Progressive pokies are the best way to win big amounts at online casinos, and Kiwis have not missed out on that chance. Back in 2016, a young man in New Zealand by the name of Rawiri Pou, won NZ$10,144,395 playing the Mega Moolah progressive slot.
  3. Mega Moolah is known for paying out big sums and rewarding players for all their hard work, but the winnings did not stop just then. On the 8th of May 2020, the second-biggest Mega Moolah Jackpot was claimed by a New Zealand player, cashing in a prize total of NZ$13.6 million.
  4. And who can forget in October 2020, a lucky anonymous winner landed the prize of NZ$6,017,395, once again on the world-renown game Mega Moolah? The fortunate winner would also become the third winner in New Zealand during the year 2020. This means, 37.5% of the wins in 2020 so far have been at New Zealand dollars casinos.

It is no understatement to say that winning a big jackpot can change your life. If you wish to try out your luck on some of the best quality pokies and progressive machines, then feel free to browse through our selection and read our top casino reviews.