Banking Options At 21 And Under Gambling Sites

One of the most important aspects of any top-rated online gambling site is its banking menu. Without effective and efficient bet funding methods to choose from, under-21 gamblers have no way to reliably fund their accounts. As such, the banking suite provided by a legitimate online casino, sportsbook, or poker site is a critical element of the overall package.

To get the best bang for your buck, we’ve put together a short explanation of the best banking options at 21-and-under gambling sites. Each has its own perks and benefits, and each offers a valid and valuable way to get your account topped off so you can enjoy your online betting experience quickly, safely, and legally.

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Online Gambling Sites With Best Deposit and Payout Options

Accepting Players Under The Age Of 21

 Casino SiteBonusRatingUSAVIsit/Review
1Bovada Casino100% up to $3,0004.8 Green Check Play Now Read Review
2Slots.lv Logo200% up to $5,0004.6 Green Check Play Now Read Review
3Cafe Casino500% up to $3,0004.5 Green Check Play Now Read Review

 Sports SiteBonusRatingUSAVIsit/Review
1Bovada50% up to $2504.8 Green Check Play Now Read Review
2MyBookie Sportsbook100% up to $1,0004.7 Green Check Play Now Read Review
3Xbet Sportsbook100% up to $5004.5 Green Check Play Now Read Review
4BetOnline Sportsbook & Casino100% up to $1,0004.5 Green Check Play Now Read Review

 Poker SiteBonusRatingUSAVIsit/Review
1Bovada100% up to $5004.8 Green Check Play Now Read Review
2BetOnline Sportsbook & Casino100% up to $1,0004.5 Green Check Play Now Read Review

How The UIGEA Banking Law Impacts Online Bet Funding

The 2006 Unlawful Internet Gambling Enforcement Act (UIGEA) might have a scary-sounding name, but it actually has very little to do with gambling directly. Most importantly, the UIGEA does not target individuals who gamble online with reputable 21-and-under betting sites.

Instead, the UIGEA targets US-based financial institutions like banks and credit unions that “knowingly” process transactions to or from non-US-regulated online gambling destinations. But even though the law doesn’t affect players, it does affect which payment types you’ll end up using, so it’s an important part of the banking equation.

Ultimately, all the UIGEA really does is occasionally delay typical bank transfers and credit card transactions to international online gambling sites. While this doesn’t happen most of the time, it’s still a potential nuisance, which is why we recommend more modern deposit and withdrawal methods that fall outside the scope of the UIGEA.

Types Of Deposits And Withdrawals For Under 21 Online Gambling

There are several different categories of banking methods employed by the best under-21 online casinos, sports betting sites, and poker rooms. While no legitimate gambling provider includes every single one of the options you see listed below, they each offer a variety of deposit and withdrawal methods.

No matter which highly rated online 18+ gambling site you choose, you’re sure to find the perfect way to get your account funded in a timely manner.

Cryptocurrencies are the best way to fund any under-21 gambling account. In fact, crypto is the best way for players of all ages to get their accounts loaded up, as these transactions clear in minutes, boast 100% success rates, have zero added fees, come with the most valuable betting bonuses, and allow you to claim same-day payouts.

While there’s a small learning curve to acquiring and using crypto, it’s worth the effort, because no other bet funding option comes close. The following cryptocurrencies are accepted at most legal gambling sites for players aged 18 and up:

  • Bitcoin (BTC)
  • Bitcoin Cash (BCH)
  • Litecoin (LTC)
  • Ethereum (ETH)
  • Ripple (XRP)
  • Stellar (XLM)

If you don’t already hold Bitcoin and want to buy BTC immediately so you can deposit and wager today, the big crypto exchanges aren’t your best bet. For new crypto users, these commercial exchanges can take days to transfer your crypto to your online wallet. However, all is not lost – not even close!

By using the Zelle-to-Bitcoin process, US gamblers who are 18 years of age and older can use Zelle Pay (a service nearly everyone has access to through their online bank accounts) to buy Bitcoin from private sellers on the LocalBitcoins exchange. The process takes 30-60 minutes from start to finish, and then you simply deposit your BTC as normal.

Several top-rated under-21 online gambling sites have support for QuickBit (aka QB Direct). QuickBit lets you make instant Visa or Mastercard purchases of the Litecoin cryptocurrency, which is then automatically deposited into your online gambling account.

Even if you’ve never purchased crypto before, this method allows you to make LTC deposits – and claim all the great benefits of gambling with crypto – in just seconds. While not all under-21 gambling sites support QuickBit or QB Direct, we expect that to change in the near future.

Every reputable gambling site accepts typical card deposits. Visa and Mastercard are the most supported options, but several operators also take American Express and Discover. The different types of cards you can use with the best online betting sites run the gamut and include all of the following:

  • Credit Cards
  • Debit Cards
  • Prepaid Credit Cards
  • Secured Credit Cards
  • Gift Cards*

In general, card-based transactions have the highest rejection rates due to the UIGEA. Visa is the most rejected brand, while Mastercard, AmEx, and Discover work better than 90-95% of the time. Gift cards are almost never delayed by UIGEA interference.

*Any gift card you wish to use for online gambling must be rated for international transactions, as all the best 21-and-under casinos, sportsbooks, and poker sites are located overseas.

A few of the best 21-and-under betting sites have support for online betting vouchers and player transfers. These allow site members to buy account balances from – and sell account balances to – other site members. Because these transactions are between private parties, the UIGEA cannot block them, which means they carry very high success rates and convenience ratings.

You can use any P2P or eWallet service to buy and sell casino vouchers, sports betting vouchers, and poker vouchers online. Gambling vouchers/transfers are also the only non-crypto option that can allow for same-day payouts with no added fees.

Person-to-person services are very popular among the latest generation of online gamblers, making them the perfect option for those aged 18 and up. However, P2P instant-pay services cannot be used to directly fund online gambling at offshore destinations. Instead, P2P transfers must be used in tandem with the voucher/transfer system employed by select betting sites.

The following services all offer free private transfers, and no trusted gambling site charges any fees for making voucher/transfer deposits. The following P2P apps are most popular.

  • PayPal
  • Venmo
  • Cash App
  • Zelle

With so many people now using their iPhones and Android devices to handle their online banking, it only makes sense that legal offshore gambling sites would support online eWallets, too. And they do!

In fact, there are two ways to use eWallets to fund your 21-and-under gambling account: You can use linked credit and debit cards to transfer money to your betting site of choice, or you can use your e-Wallet’s P2P platform to buy or sell online gambling vouchers and player transfers (at participating sites). The most popular eWallets are:

  • Apple Pay
  • Google Pay
  • Samsung Pay

Apple Pay is compatible only with iPhone, iPad, Apple Watch, and Mac products, while Google Pay works across most iOS and Android devices. Samsung Pay can only be used with Samsung Galaxy smartphones and select Samsung wearables.

Finally, some users may prefer to sidestep all the fancy electronic transfer options and stick with tried-and-true traditional banking methods. While these are less supported in general, you can still make 21-and-under online gambling despots and withdrawals with these methods.

That said, each of the following options comes with higher fees and longer transfer times than other methods, which is something to consider in terms of bankroll management.

  • Cashier’s Checks
  • Courier Checks
  • e-Checks
  • Bank Wires
  • Money Orders
  • Retail Money Transfers

Under 21 Gambling Deposit Options

Many banking methods at 18-and-up gambling sites are good for both deposits and withdrawals, but not all of them are. Additionally, some payment types require you to deposit using a given method in order to withdraw using the same method. For example, you can only withdraw in cryptocurrency if you’ve deposited using cryptocurrency.

The following banking options are good for deposits at reputable online gambling outlets:

Deposit Options
  • Bitcoin
  • Altcoins (Bitcoin Cash, Litecoin, Ethereum, Ripple, Stellar, etc.)
  • Zelle-To-BTC
  • QuickBit/QB Direct
  • Credit Cards
  • Debit Cards
  • Prepaid Cards
  • Gift Cards
  • Gambling Vouchers
  • Player Transfers
  • P2P Apps (PayPal, Venmo, Cash App, Zelle, etc.)
  • eWallets (Apple Pay, Google Pay, Samsung Pay)
  • Cashier’s Checks
  • eChecks
  • Bank Wires
  • Money Orders
  • Retail Money Transfers

Under 21 Gambling Payout Options

Generally, there are fewer payout methods than there are deposit methods available at the best online gambling sites. And again, some of these (namely crypto payouts) require you to first make any corresponding deposit using the same method.

The most common payout options at all the top betting sites include the following:

Payout Options
  • Bitcoin
  • Altcoins (Bitcoin Cash, Litecoin, Ethereum, Ripple, Stellar, etc.)
  • Gambling Vouchers
  • Player Transfers
  • P2P Apps (PayPal, Venmo, Cash App, Zelle, etc.)
  • eWallets (Apple Pay, Google Pay, Samsung Pay)
  • Courier Checks
  • eChecks
  • Bank Wires

What Banking Methods Have The Best Bonus Offers?

When you sign up or make a fresh deposit at the top under-21 online betting sites, you’ll be eligible for valuable bonuses. These are market-specific, so 21-and-under casinos will have one set of promos to choose from, while 21-and-under sportsbooks will have another (which is usually applicable to horse racing betting, as well).

Online casino game bonuses come with the most free money and have higher rollover requirements, while sports betting bonuses are smaller and have lower rollovers. Finally, online poker for 18-and-up players typically comes with its own bonuses and disbursement structures, paying out your bonus cash based on how many hands you play.

All the best 18+ gambling bonuses are fair and have easy-to-meet terms, so we always recommend accepting them.

  • Online Casino Welcome Bonus
  • Online Casino Reload Bonus
  • Online Casino Weekly Bonuses
  • Online Sports Betting Welcome Bonus
  • Online Sports Betting Reload Bonus
  • Online Poker Bonus
  • Online Gambling Refer-A-Friend Bonus
  • Online Betting No-Deposit Bonus

Most sites will also give you enhanced betting bonuses when you deposit with Bitcoin or any other cryptocurrency. These add 100-150% more free spins or free bets to your bankroll, but they carry the same playthrough requirements, making them the best deals anywhere.

The Bovada family of sites also has an even better bonus plan for members that deposit exclusively with BTC. This Premium Bitcoin-Exclusive Membership tier is available at Bovada LV, Slots LV, and Café Casino.

Fees And Limits For Online Gambling Deposits And Withdrawals

At every reputable online casino for players aged 18-21 (and up), there are deposit limits and payout limits tied to each different banking method. Many methods also come with processing fees to be aware of. And while these are typically small and serviceable, they should be accounted for when managing your bankroll.

The goal, of course, is to be able to deposit an adequate amount of money for your planned gambling activities while not paying too much in fees for buy-ins or withdrawals.

Online Gambling Banking Fees

If you want to avoid paying any online gambling banking fees, you’ll need to use Bitcoin or another supported crypto coin. These come with no added fees (though they do have minimal blockchain transaction fees to be aware of), allowing you to gamble more with more.

Otherwise, the general fee structure at the top 21-and-under gambling sites is graded like this:

  • Cryptocurrency – No added fees
  • Zelle-To-BTC – No added fees
  • QuickBit/QB Direct – 3-7% CC fees
  • Credit/Debit – 3-9% CC fees
  • Vouchers/Transfers – No added fees
  • P2P Apps – No added fees
  • eWallets – No added fees
  • Checks/eChecks – Variable fees (low)
  • Bank Wires – Variable fees (high)
  • Money Orders – Variable fees (moderate)
  • Retail Money Transfers – Variable fees (moderate)

Online Gambling Banking Limits

Banking limits at the top under-21 casinos, sportsbooks, and online poker sites are suitable for the vast majority of players, with Bitcoin and altcoins having the lowest deposit minimums and highest deposit maximums of the bunch.

Of course, many users aren’t interested in cryptocurrency, and that’s OK. The following list shows the general limit parameters of each gambling banking option available at most sites:

  • Cryptocurrency – Lowest min, highest max
  • Zelle-To-BTC – Lowest min, highest max
  • QuickBit/QB Direct – Moderate min, high max
  • Credit/Debit – Moderate min, moderate max
  • Vouchers/Transfers – Low min, moderate max
  • P2P Apps – Low min, moderate max
  • eWallets – Low min, moderate max
  • Checks/eChecks – High min, low max
  • Bank Wires – Highest min, high max
  • Money Orders – High min, low max
  • Retail Money Transfers – High min, low max