Online Casino Withdrawals: How to Get Paid in the US

Last Updated on 06.08.2026

Withdrawing money from a US online casino is straightforward once you know what to expect. Did you know that before you cash out, you'll need to complete identity verification, and large payouts may trigger IRS tax reporting? This guide walks you through every step, from opening the cashier to getting your winnings.

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Article Summary
Online Casino Withdrawal Process
  • Log In to Your Account
  • Open Cashier Page
  • Check Terms and Fees
  • Choose Withdrawal Method
  • Provide Payment Info
  • Enter Withdrawal Amount
  • Fill in KYC Data
  • Confirm Withdrawal Request
  • Wait for Processing

Step 1: Log In to Your Online Casino Account

First things first – you need to sign in to your online casino account before you can start the withdrawal process. So, make sure you remember your login details!

The login page of BetMGM
In the Photo: Notice the “Remember Email” toggle stays off by default? This is a small but smart privacy choice, and I’d leave it that way on shared or mobile devices. Also, always log in through the official mi.betmgm.com URL (or the casino app), since spoofed login pages are the most common way casino accounts get phished.

Keep in mind that, in the US, access is gated by more than just your username and password. Where you are physically located matters too – more on that in the next step.

Step 2: Open the Cashier Page

Next, open the banking page. At most online casinos we’ve tested, the withdrawal option is on the same page you made your initial deposit.

The cashier page of BetMGM
In the Photo: The detail I always point people to here is the gap between “Available balance” and “Withdrawable.” When they match (like the $50/$50 shown here), it means none of your funds are tied up in unmet bonus wagering, so you can cash out freely.
Note that licensed casinos must use geolocation technology to confirm you’re physically inside a state where online casinos are legal. If the site believes you’re outside permitted state borders, your access will be restricted. On a desktop, you may need to install a geolocation plugin and grant location permission on your device.

Step 3: Check the Casino’s Withdrawal Terms & Fees

Before you place the withdrawal request, check the casino’s terms. See if any specific conditions relate to withdrawals.

The withdrawal terms at BetMGM
In the Photo: The withdrawal terms people often overlook are in the first sentence, not the chart: every withdrawal goes through a 3-to-5-day internal review before the payment-method clock even starts. So “Within 24 hours” for PayPal or Venmo really means roughly 4 to 6 days door-to-door. Plan around the review period, not just the processing time.

The terms contain important information, such as withdrawal restrictions and timeframes. For instance, certain payment methods take longer to process. Also, the casino will specify how long it typically takes to authorize payouts.

What about fees? It’s possible the casino could charge a fee for cashing out. Payment processors could also apply charges, so we also recommend checking their terms. Here are the typical fees that could apply by payment type:

E-Wallets Between 0% and 5%
Bank Transfers Between 0% and 3%
Debit Cards & Credit Cards Between 0% and 3%
Prepaid Cards Between 0% and 3%
Check by Mail Between 0% and 3%

Photo of Angelina Vodenicharova, Author on Online-Casinos.com

Angelina Vodenicharova Author and Casino Expert
Our Expert’s Advice

Don’t forget about taxes! US casino winnings are taxable, and there are reporting rules the casino must follow. For wins of $10,000 or more in a single day, casinos are required by the IRS to file a Currency Transaction Report (CTR) under the Bank Secrecy Act. And if your winnings exceed certain thresholds (typically $5,000), federal tax withholding may apply – usually at a rate of 24%.”

Step 4: Choose Your Preferred Payment Method

When withdrawing, most casinos require you to use the same payment method used to deposit. Why’s that? Because of anti-money laundering procedures. When using the same option is not possible, your choice of payout methods may be limited.

The withdrawal page at BetMGM
In the Photo: Two numbers worth noting before you tap Withdraw: the $10 minimum and the $100,000 max. The minimum matters most for casual players, because if your balance is below $10, you can’t cash out, which is one quiet reason small leftover balances tend to get gambled away instead of withdrawn.

Some payment methods don’t support withdrawals. For example, cash-at-retail options like PayNearMe and prepaid gift cards are usually only available for deposits. That’s why it’s worth thinking about withdrawals when you first choose a deposit method.

Common payment methods in the US include Visa, Mastercard, and PayPal, but there are many more options worth exploring. Below, you can see which payment methods are typically available for withdrawals:

PayPal Available
Venmo Available
VISA Available
Mastercard Available
Discover Available
American Express Available
Skrill Available
Play+ Available
Apple Pay Available
PaysafeCard Not Available
PayNearMe Not Available
Cash at Cage Available
VIP Preferred Available
Trustly Available
Rapid Transfer Available
Payz Available
Neteller Available
Google Pay Available
Maestro Available
MuchBetter Available
Giropay Available
CashtoCode Available

Photo of Angelina Vodenicharova, Author on Online-Casinos.com

Angelina Vodenicharova Author and Casino Expert
Our Expert’s Pick

“I prefer to use PayPal for withdrawals. It’s easy to use and offers fast processing times. If PayPal isn’t supported, my go-to as a mobile player with an iPhone is Apple Pay, but I must admit that not every online casino I’ve tried offers it as a withdrawal method.”

Step 5: Fill in Payment Info (If Needed)

Sometimes, your payment info will be prefilled when withdrawing, especially when using the same method you used to deposit. If it’s not, enter your payment method details and make sure they all match to avoid delays.

The info you’ll need to provide varies by payment method. For example, when withdrawing via e-wallet, you only need to enter the email address associated with your wallet. In contrast, bank transfer withdrawals could require your bank name, routing number, and account number.

Here are the details you may be asked to provide:

  • Bank name
  • Routing number
  • Account number
  • Account holder name
  • Debit/credit card number
  • Card expiration date
  • Email address (for e-wallets)

Step 6: Choose Withdrawal Amount

Now is the time to enter the amount you want to withdraw. Remember that withdrawal limits may vary by payment method. So, make sure your payout request falls within the minimum and maximum limits.

Step 7: Follow KYC (Know Your Customer) Procedures

Online casinos must follow strict KYC procedures. At a minimum, they verify your name, age (you must be 21+), and address before allowing you to play. They’ll also tell you which documents you may need to provide. Typical documents include:

  • Photo of ID document (passport/driver’s license/state ID)
  • Photo of payment method
  • Proof of address

You’ll be asked for your Social Security Number. SSN verification (usually just last four digits) is mandatory at all US-licensed casinos. This requirement comes from the Bank Secrecy Act and the anti-money laundering regulations that apply in all states that allow online casino gambling.

Casinos may still request additional documents as part of security and anti-money laundering checks. This can be annoying, as it can delay withdrawal processing. Still, such requests are there for your safety and protection.

Photo of Angelina Vodenicharova, Author on Online-Casinos.com

Angelina Vodenicharova Author and Casino Expert
Our Expert’s Advice

“Get verified early. Upload your ID, proof of address, and confirm your SSN as soon as you register – that way, your first withdrawal isn’t held up. I find a bank statement is a good document to have ready, as it confirms your name, address, and payment method.”

Step 8: Confirm Your Withdrawal Request

Check that you have entered all required information, then submit the withdrawal request. The payout request will then be passed to the casino for approval.

The withdrawal confirmation request at BetMGM
In the Photo: This green ‘being processed’ screen is effectively your receipt – Account ID, amount, fee, and estimated time all in one place. My habit: screenshot this every time. If a withdrawal ever goes sideways, having the requested amount and timestamp on hand makes any support conversation faster.

Step 9: Wait for the Casino to Process Your Request

All that remains is to wait for your money to reach you. How long will it take? That depends on two things: the casino’s processing time and the payment method.

Once the casino approves the request, here are the typical processing times by payment type:

E-Wallets Instant – 24 Hours
ACH/Online Bank Transfer 1 – 5 Business Days
Debit & Credit Cards 1 – 5 Business Days
Mobile Payments (Apple Pay/Google Pay) 1 – 3 Business Days
Check by Mail 5 – 10+ Business Days

Casino processing times can vary significantly. Some sites commit to approving payouts within hours. Others may take up to 72 hours or more, which can be frustrating. That’s why it’s always important to check a casino’s withdrawal terms.

Want to learn more? Check out our other guides for step-by-step help with depositing, claiming bonuses, managing your money, and more:

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Photo of Angelina Vodenicharova, Author on Online-Casinos.com

Angelina Vodenicharova Author and Casino Expert
About the Author

With a background in marketing, Angelina has a keen eye for emerging trends and stays ahead of the curve on the latest game releases and payment innovations. Her expertise extends to the growing world of gambling apps, where her tech-savviness allows her to offer valuable insights on optimizing gameplay.