Top Highest Payout Online Casinos

True top paying online casinos in New Zealand take a lot of work to come by. We know this because qualifying as a high paying casino is not only about having high fancy RTPs. Some extra complicating factors are to be considered. A website's average payout percentage, especially published by eCOGRA, is a reliable way to hone in on some of the highest paying online casino sites. eCOGRA's reports are often available for review by the general public on any highest paying online casino website. Most casinos often hyperlink to this document via the eCOGRA's icon in their footer section. The payout rates data would keep you up to speed on average payout rates across different gaming categories and the casino in general. There is a sea of payout statistics available online, yet not all are useful. In the remainder of this article, we've covered in great detail what factors to look for when picking high paying online casinos. We're without a doubt, and you'll know how best to approach the subject after finishing up. Let's dive in!

What Are the Highest Paying Online Casinos?

The top paying online casino NZ generally guarantee a high return to players on all games they host. By the rule of thumb, high paying casinos have payout rates of at least 96% on all games in their library. This means for every NZ$100 you wager across all games, NZ$96 would be returned to you on all wagers you lose. Top paying casinos are not to be confused with fast paying casinos. Fast paying casinos usually have low payment processing periods and would relinquish your winnings to you as quickly as possible. Qualifying as a highest paying online casino and a fast paying type are not mutually exclusive. A casino can offer both characteristics. For a casino to qualify as one of the highest payout online casino NZ, it must host some high RTP games. RTP (also return-to-player) is the percentage of money returned to you on every losing wager you make on games. On table games, the return-to-player is conversely known as the 'house edge'. The house edge is the commission a casino rakes off on every losing bet you make on table games. It'd be best for you if you played low-house edge games. A surefire way to know whether or not the advertised RTPs on the highest payout casino games are valid is to check for an eCOGRA seal of approval for the gaming provider. eCOGRA is an independent third-party firm whose job is to test out a selected group of games from a casino and affirm whether or not they're in line with proclaimed RTPs. This agency generally broadcasts its assessments of games hosted by casinos in reports unique to that casino. This is the best and easiest way to know whether or not games at casinos live up to advertised RTPs.

How to Pick the Highest Payout Casinos?

With many highest paying casinos on the web these days, it's often tough to decide on which deserves attention and which should be avoided. You're in luck, as our team of experts is here to help! First, you must know that your safety should be the most important factor when playing at an online casino. That your best online casino highest payout site guarantees a 99% win rate would be pointless if hackers could wheeze in and steal users' data. You'd want to ensure the casino adopts proper modern security measures like SSL and TLS encryption. Also, some websites are unscrupulous and would sell clients' data to third parties. We recommend checking out the Data Regulation Policies of the site and checking off on terms not in your best interests. Another factor to look for should be the availability of mobile options. Flexibility and convenience are key to online gambling. Casinos incapable of delivering mobile apps or mobile-optimized websites should not rank atop your list of considerations when picking high paying casinos. Look out for customer reviews on the mobile app experience before funding your casino account. Some apps are glitchy and laggy and would deliver nothing but an abysmal gaming experience. Such are to be steered off! Bonuses and promotional offers would tremendously aid gaming at any highest paying gambling site. There are often different types of these offers, and they include: welcome bonuses, cashbacks, reload bonuses, and exclusive offers. Look for bonus terms and conditions before claiming or even completing a deposit. Some bonuses are merely intended to look grand. Yet, they may not be worthwhile upon factoring in conditions like wagering requirements. Likewise, not all bonuses are often available to Kiwi Players. So, check this off before signing up with a potential highest payout rate online casino. There are some other conditions to keep in mind when picking the highest paying casinos to play at. We've covered them in great detail below.

Payout Rate

The payout rate of an online casino with highest payout percentage is a number that shows how much a highest paying online casino NZ 2022 pays out relative to how much users spend at it. An online casino's highest payout rate is generally estimated over many bets. Consequently, it's best to view the RTP as the theoretical limit on how much you'll ultimately get back rather than as a definite number. Highest casino payout rates generally apply to both individual games and casinos. With individual games, they've mostly tagged return-to-player percentages (especially for pokies). With table games they're mainly expressed as the 'house edge'. With casinos, they're either known as payout percentages or win rates. In picking the highest paying gambling site, only make your choices based on the attached payout rates. Other factors, such as wagering requirements, high variance and win limits, could limit how much you could make from playing a game. The recommended way to know whether or not you can rely on advertised payout rates is to check for an eCOGRA assessment of the highest paying online casino in question.

High Paying Games

The highest payout casino games New Zealand (save for a select few) have their outcomes determined mainly by luck. However, some games have been designed in such a way as to give you (the player) a fairer chance of winning more money when compared with others. There are several high paying slots, for example, where you could rake in 99% of your total wagers over time. Yet, that's not to say you wouldn't find other highest paying out online casino games with RTPs pegged at 94%. It's up to you to do your homework on all games hosted at the casino, for if or not they align with your preferred RTP range before funding your casino account. Some games with moderately high payout rates you'll come across at online casinos include:

• Blackjack: Blackjack's variants, by far, have the lowest house edge of all table games. It's not uncommon to find variants with RTPs as high as 99.43%. Card games like Blackjack and Poker tend to be some of the most rewarding and high paying casino games, as you can train yourself and improve your gameplay tactics to become better.
• Craps: Odds are you may not be familiar with craps, which shouldn't be a biggie considering that they're mostly played in American casinos. Craps is a die game whose mode of play is about estimating what other players would throw. It's one of the highest paying games you'd come across at online casinos.
• Baccarat: Baccarat has an incredible average payout rate of 99.07% across its variants. As it's a card game, you stand an even better shot at improving your earnings by mastering gameplay strategies.
• Roulette: Roulette is yet another popular card game hosted at different casinos. This game has different variants, but the payout rate is generally around 97.30%. The idea behind gameplay is to bet on combinations of numbers or a color pattern. You win when the spinning ball rests on a pocket that aligns with your bet. How much you get paid is determined by the odds of your selection.

Trust Among Players

A surefire way to know whether or not a casino is worthwhile is to check for reviews and feedback from other players. Previous players have played through the casino games with highest payout and have experienced its customer service system; they'd automatically be in the best position to know whether the advertised RTPs live up to their advertisements. Casinos are like other businesses, and their survival is, to a large extent, dependent on their reputation. Reliable and trustworthy casinos generally go to great lengths to preserve their PR image. A casino with an overwhelmingly negative review should be avoided. Your experience wouldn't be any different. Licensed casinos are typically above these considerations. The best review boards on the highest paying online casino sites are independent discussion forums and fandom boards on the internet. There, players are free and often give their unbiased opinions on how the casino operations are run.

Safety and License

How safe an online casino with the highest payout rate secures and protects your data should be your major point of reflection when gambling at one. You'd need to provide your name, address and basic financial info to qualify to gamble at the casino site. Look out for an SSL certificate on whichever casino you've chosen. An SSL certificate affirms that your on-site details are encrypted and would not be decipherable by attackers should they manage to obtain the site's data. SSL (Secure Sockets Layer) uses a 128-bit encryption system improving the unlikelihood of a hacker obtaining the key to the encryption. Another consideration to consider when picking a casino is whether or not it holds a license. Licensed casinos are, by default, safe and secure to play at. Gambling commissions only award licenses to casinos whose operational practices have been audited and have been adjudged compliant with industry fairness standards. Generally, gambling commissions strive to ensure the casinos they license are trustworthy enough to be trusted with players' funds. To this end, there's often a player support channel by these commissions available to players like yourself to report erring casinos that deliberately refuse to live up to fairness standards. Some Top gambling commissions whose ratings you can trust include:

• Kahnawake Gaming Commission
• United Kingdom Gambling Commission
• Malta Gaming Authority
• Curacao e-Gaming Regulatory Authority

Also, look out for assessments from eCOGRA. An eCOGRA seal of approval should be enough to attest to the fairness and reliability of the casino's games.

Variety of Payment Methods

One of the other factors to look out for when picking casinos is the variety of the supported payment methods at the casino. Real money gambling would be pointless if you couldn't deposit or withdraw money at online casinos. Fortunately, there are several payment processors you can bank on to complete your payment at such sites. These generally span credit/debit cards, e-wallets, prepaid vouchers, cryptocurrencies, bank transfers and eChecks. While virtually all payment processors support deposits, the converse is only sometimes true. There are some banking options with which you can't request withdrawals. In picking a payment method to choose, considerations to keep in mind include whether Kiwi players are supported by the method, how quickly it would allow you to complete deposits/withdraw and what volume of transactions it'll allow you to complete per a specified period. Deposits made with credit/debit cards, e-wallets, vouchers and cryptocurrencies are typically completed instantly. Wire transfers take up to three business days, depending on what financial institution the casino is registered with, to be completed. Cheques tend to take even longer to clear through as they've to pass through several intermediaries to complete. Withdrawals with these methods generally take longer to complete (except for cryptocurrencies). Transfers requested with cryptos are practically completed instantly. For others, it may take up to a few business days for the funds to reflect in your account. Casinos also have wait times within which withdrawal requests are processed. For most sites, this lasts within a 24 - 48 hours window. Though this adds to the overall overhead, it's necessary as it enables support personnel to properly verify the authenticity of the request and safeguard against fraud.

Best High Payout Casino Sites in New Zealand

The typical online casino with highest payout rate would generally host some of the highest RTP slots NZ as well as other highest payout online casino games around. JackpotCity, Spin Casino and Twin Casino are just a few that tower above other Kiwi casinos on the internet. We've deep-dived into what to expect from them:

• Jackpot City: eCOGRA assessed Jackpot City's overall payout rate as 97.44%, marking it as one of the highest payout online casino in New Zealand. This is nothing short of remarkable! Think of it, for every NZ$100 you wager; you'd eventually be credited NZ$97.44 back on every losing game. And that's just for losing games! Payout rates generally do not consider the other 2.56% of games you'd eventually win. The welcome bonus at this casino is worth a total of NZ$1,600 spread over four deposits each. The one downside to its bonus is the 70x wagering requirement you'd have to play through to obtain your bonus winnings. The payment processing time is a welcome 24 hours.
• Twin Casino: At a 100% match up to NZ$200, the welcome package at Twin Casino could be more breathtaking. It partially makes up for this shortcoming with its moderately high 96.81% payout percentage. There are 16 progressive jackpot highest paying online pokies, including King Cashalot, Major Millions and the renowned Mega Moolah slot at Twin Casino. The Mega Moolah has been known to reach a payout reading as high as NZ$17 million. Just about the right stuff to make you an instant millionaire!

• Spin Casino: Spin Casino launched in 2001 and currently holds a license from UKGC and the MGA. The casino partners solely with Microgaming and hosts over 600 games from the provider. At 97.12% average payout rate, Spin is one of the online casinos with highest slot payouts. The welcome package is a healthy NZ$1,000 spread over three deposits. The wagering requirement is rather sky-high at 70x. The minimum deposit you can make is NZ$10, however. There's round-the-clock support via a live chat feature and mobile-compatible apps that work with iOS and Android devices.

Highest Payout Casino Games

• Pokies: High Payout pokies generally have some of the highest RTPs on all casino games. Some highest payout online slots would guarantee payouts as high as 99%. It's however more common to see high paying online pokies with RTPs at around 96%. Some gaming providers take things up a notch as they also award mouthwatering multipliers and jackpots (even progressive jackpots at times!) that raise and further increase your earnings on their highest payout casino slots.

POKIES	Payout Rate
Book of the Dead	99%
Mermaid Millions	96.55%
Thunderstruck II	96.56%
Jammin Jars	96.83%
Adventure Palace	96.1%

• Keno: Keno is, at its core, lottery-styled. You'd have to pick some numbers, have the casino draw up random numbers, and then receive your winnings depending on how many you guessed correctly. Keno games mainly feature Keno cards, paytables, and some buttons. Though there are different variants to keno, these features run across all variants.

TYPE	Multipliers
Bonus Spot Keno	4x
Power Keno	4x
Progressive Keno	Up to 1,000,000x
Live Dealer Keno	5x - 100x; 1,000,000x (max)

• Video Poker: Payout percentages differ across variants of this game. For instance, 7s Wild has a house edge of 1.2%, while Jacks or Better has just 0.46%. You can better improve your highest payout casino online potential payouts by mastering gameplay tactics!

GAMES	PAYOUT Percentage
7s Wild	98.8%
Aces & Faces	99.85%
Double Bonus Poker	99.96%
Deuces Wild	99%
Jacks or Better	99.54%

Highest Paying Online Pokies

• Thunderstruck II - Thunderstruck II was released in 2010 and was an instant hit among casino patrons all over the planet. This title has a 5 by 3 reel layout with 243 betways. Thunderstruck has themed on Norse mythology, and its wild symbols and scatters are based on notable Norse figures, including Thor, Loki, and Odin. The minimum coin bet size is 30 cents per spin on this slot. Thunderstruck is one of the top paying slots with an RTP of 96.56%. It's also a high volatility slot, meaning you would only win sometimes, yet the wins will be pretty sizable when you do.
• Immortal Romance - Powered by Microgaming, Immortal Romance was released in 2011 and has established itself as a pioneer of the Vampirism theme niche. Immortal Romance is surprisingly mobile-compatible and can be enjoyed from both a desktop and a mobile device. It's a 5-reel slot with 243 paylines. There are four free spins rounds you could unlock on Immortal Romance. If you manage to land at least 5 wilds on a payline, you could claim up to 12X your stake in multiplier-driven earnings.
• Mermaid Millions - This Microgaming slot is themed off an aquatic system ruled by the Sea God, Neptune. This slot references Disney's Little Mermaid very closely without setting off any copyright claims. The RTP for this 5-reel slot with 15 paylines is a healthy 96.55%. There are quite a several in-game bonuses this slot offers. For instance, landing three or more scatters will net you 10 Free Spins, 4 Scatters yield 15 with 5 bringing in 20.
• Adventure Palace - The Adventure Palace is set on a jungle background with animals as symbols. This slot has a 5 by 3 reel layout and can be activated on 9 paylines. The RTP for this slot is 96.1%. You can play within the NZ$0.01 to NZ$2 coin range. The min/max coin allowed per line is limited to 1 - 5. The minimum bet you can place per spin is 9 cents up to a maximum of NZ$90. Though not a progressive jackpot game, you can still rack up to 150,000 in max obtainable jackpots from this game. This amounts to a total of NZ$750.
• Jammin Jars - Developed by Push Gaming, Jammin Jars was released in 2018 and came with a 5-reel layout. It has an 8 by 8 reel layout and an RTP of 96.83%. You can place the minimum coin bet size on Jasmin Jars is ten cents, with the maximum capped at NZ$100.

Popular Payment Methods

New Zealand casinos generally support several payment methods. These payment types cut across: credit/debit cards, prepaid vouchers, cryptocurrencies, bank transfers, electronic wallets, and checks. Each type of these payment methods has its unique strength and weakness compared with other methods. For instance, deposits/withdrawals made with cryptocurrencies are not only completed instantly, but they also guarantee anonymity. Also, prepaid vouchers can be used to complete deposits, but not all types support withdrawals. You can rest assured that your funds are safe with any payment method you find at a licensed online casino. Aside from the security and safety of funds, there are some general considerations to consider when picking a payment method. For instance, most casinos only sometimes award bonuses for specific payment methods. This is mostly common with e-wallets like Skrill, PayPal and Neteller. The reason is that it's quite easy to create different e-wallet accounts and benefit from bonuses multiple times over. As a result, casinos often prefer awarding bonuses on deposits made with banking options that are difficult to have multiple accounts with. In picking payment methods, double-check to make sure their regions of operation include New Zealand. Interac, for example, is available only to Canadians. It'd be quite discomfiting if you've decided to complete your payments with Interac only to realize you're not supported later. Another factor to check out is the commission on every single payment type. This can often be found on the payments processor page. Ideally, the payment method you'd want to settle for would encompass all these considerations we've listed out, i.e. it supports Kiwi players, qualifies for a casino bonus and preferably has little to zero transaction fees.

Payment Methods	Deposit/Withdrawal Limits	Payment Processing Periods
Credit/Debit Cards	Varies with bank; $5/$20 (Min/Day); $1,000/$30,000 (Max/Day)	1 - 2 business days
E-Wallets	$2,000 per day; $10,000 per month	1 - 3 business days
Prepaid Vouchers	$2,000 per day; $10,000 per month	2 - 4 business days
Bank Transfers	$4,000 per day; $10,000 per month	4 - 7 business days
Cryptocurrencies	0.0001 BTC / 1 BTC	0 - 24 hours

Credit/debit cards

Credit/Debit cards are payment cards issued mostly by commercial banks. Though you can make your deposits the same way via a credit or debit card, there are fundamental differences between both types of cards. Credit cards work by borrowing money against a line of credit. You don't have to have any money in a linked bank account to make your payments with a credit card. Instead, you borrow money from your issuer at a prearranged interest rate and pay the merchant. You'd have to pay your issuer back within a prespecified period to keep up a good credit rating. Unlike debit cards which you can automatically obtain as long as you have a bank account, you'd have to pass through a creditworthiness check to qualify for a credit card. Debit cards work by withdrawing money from a bank account linked with the card. You must have your debit card registered with a PIN. Otherwise, you wouldn't be able to use it. A PIN (Personal Identification Number) prevents unauthorized withdrawals from your account and adds a layer of security and protection to your funds. The two major issuers of credit cards are VISA and Mastercard.

Type	Currency Conversion Fees	Min/Max Limits
VISA	1%	$20/$10,000 (per day)1
MasterCard	1.4%	$20/$10,000 (per day)1

 

Currency conversion fees only appear when you deposit money or withdraw from online casinos that do not support the NZD dollar.

E-wallets

E-Wallets are prepaid online accounts which you can fund up to use later on merchant websites. There are different types of e-wallets. You can top up some types via a bank transfer or a credit/debit card. Then you can later head on to your highest payout rate online casino site and complete your deposits with the digital wallet. Popular examples include Skrill, PayPal and Neteller. Others work differently. You don't get to deposit into them. They act as nothing more than online storage for your credit card or online banking info. You'd have to connect to your issuer every time to make a deposit with these types. An example of this is Google Pay. The most popular e-wallets are PayPal, Skrill, and Neteller:

Prepaid cards

Prepaid cards work, to a large extent, like normal debit cards. They're funded with money and can ultimately be used to checkout online. Special types of prepaid cards are called vouchers. Vouchers are bought either at physical retail outlets or are registered online. To use, you must fill out your 16-digit voucher pin, CVV, and expiry date (much like a normal debit card) at the point of payment. The key feature with vouchers is that unlike payment methods (e-wallets, credit cards etc.), you can't fund them from an external source; you can only buy a preloaded card, typically within the range of NZ $ 100 - NZ $ 1000. The top three most popular types of prepaid cards are Paysafecard, NeoSurf, and EcoPayz.

Bank Wire Transfer

Bank transfers are completed via a global network maintained and overseen by commercial banks and intermediaries all over the planet. Wire transfers are two-way. They can either be made from a bank to a merchant or from a merchant back to a bank. Cash isn't moved in a bank transfer, just some electronic manipulation of numbers and accounts. To deposit money via bank transfer at an online casino, you must submit the following details:

• The casino's account name, address, phone number, and all other details that you may require.
• The casino's bank number and the branch number.
• The recipient's banking info, including SWIFT codes and the bank's name.

Bank transfers notoriously take a long period to complete. Domestic transfers take shorter and cost less than international wire transfers, though. Payments will be completed quicker if your account and the casinos are registered with the same bank.

BANK TRANSFERS
	Domestic Transfers	International Transfers
Fees	Up to NZ$35	NZ$15 - NZ$60
Processing Speeds	Up to Three Days	Up to Five Days
Minimum Limits	Varies by Bank (Often NZ$50)	Varies by Bank (Often NZ$200)
Maximum Limits	Often NZ$10,000 per day	NZ$10,000 per day

Cryptocurrency

Not all casinos support cryptocurrencies which is why you ought first off to confirm you can request withdrawals and make your deposits with cryptos at any casino you've picked. Cryptos are one of the most convenient ways to deposit or withdraw money from high payout online casinos. For one, deposits are completed instantly, the same as withdrawals. It's tough to find payment methods that offer lightning-quick withdrawals, as you find with cryptos. Most typically take at least one business day to complete payments. Common cryptocurrencies supported at online casinos include Bitcoin, USDT, Ethereum, Litecoin, Ripple, Solana, and Doge, among others. Using Crypto, however, is not without its downside. For instance, prices of cryptocurrencies have been known to fluctuate widely, often causing holders significant losses in the market worth of the coins. Also, some governments have placed sanctions on the use of cryptos. Others have outrightly banned its use, which would limit its use should you reside in such a jurisdiction. The PROS to using cryptos include:

• Faster Payouts Processing Speeds
• Increased Anonymity
• Improved Security

Highest Paying Online Casinos: pros and cons

PROS

• High Chances to Win: The main benefit to high paying games is that you lose only a small portion of your money on every losing wager you make. You stand a great chance of winning a lot more money than you'll lose overall on high paying games, especially if it has low/medium volatility.
• High Quality Games & Providers: The top paying games are often developed by the foremost software providers. These providers usually have long-standing years of operation and would generally not engage in shady dealings on their games to scam you.

• Variety of Payment Options: Kiwi casinos generally support several payment methods you can pick to make your deposits with. These methods have unique strengths and weaknesses over others. Review the available payment methods based on whether they support New Zealand players, their transaction fees, and how quickly payments are processed with them before selecting any.

CONS

• High Wagering Requirements: A downside to high paying games is that bonuses awarded on them are often subjected to high playthrough requirements before any winnings obtained from them through such bonuses can be withdrawn. From the casino's point of view, this makes quite a great deal of sense, as the combination of a large bonus with a high RTP slot could be financially damaging for them. So, the best way to recoup the bonuses, and maintain a positive balance sheet, is to attach high wagering requirements to the game.
• High Volatility of Games: Winnings on high volatility games are less frequent than low/medium volatility ones. This is the case with high RTP games at every casino - they're often subject to high volatility.

Conclusion

Online casinos are a dime-a-dozen. Knowing how to sort the reliable ones from the shady ones would save you a great deal of trouble later ahead. In picking a high paying casino, factors to keep in mind include: whether the casino is mobile-optimized, what regulatory body licensed it, the diversity of games on its platform, and the generosity of its bonus offers. Bonuses at a typical casino are not limited to welcome packages. They also include: cashbacks, reload bonuses and loyalty rewards. You could benefit from several perks, from racking up more casino points and climbing up the VIP ladder. These would generally cut across: faster payout speeds, higher transaction limits, personal account managers and more. It's always a great idea to check out the terms and conditions of a casino's bonuses before claiming them. This way, you know exactly what you're getting into, and you would avoid being stuck with bonuses whose winnings you can never claim.      

FAQ

How to Find a Casino Payout Rate?

The best way to know a casino's payout rate is to check the eCOGRA's assessment for the website. For some casinos, you can get to this report by tapping on the eCOGRA seal of approval in the Footer section. This would hyperlink you to a hosted copy of the report.

Can I Find Each Casino Games Payout Percentage?

Yes, you can. A casino generally advertises the RTP of casino games. That's the major way by which you can know the RTP of each casino game.

What is the Average Payout Rate at a Casino?

The Average payout rate on all games differs with casinos. Even at that, most payout rates are generally above or around 95%.

What is the Easiest Game to Win at a Casino?

Some of the easiest gaming genres to win at online casinos include Blackjack, craps, video poker, keno and some low-volatility slots. In contrast to luck-based games, you can win even more in games like blackjack and video poker by refining your gameplay tactics and practising more.

Which Online Casino Has the Best Payouts?

Top on our list of casinos with the highest payouts are Jackpot City, Spin Casino and Twin Casino. Thr RTPs at these casinos are 97.40%, 97.12% and 96.56%, respectively.

 

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