Banking Options At 18+ Poker Sites

money stack iconIf you’re thinking about joining an 18 and up offshore poker site, the first thing you’ve got to do is make sure you pick a reputable operator. We’ve got plenty of those listed here, so that should be pretty simple. However, the second thing is almost as important: You need to make sure your poker bank options are actually feasible.

Fortunately, that’s also easy, because the banking options at the 18+ poker sites we cover are very friendly to the younger generation of players. Cash has gone the way of the dodo, and for the most part, 18-20-year-old players use credit and crypto for just about everything. While these sites won’t take things like PayPal or Apple Pay for US customers, they do accept standard credit/debit cards, Bitcoin and other cryptocurrencies, and a host of other less common deposit and withdrawal methods.

To find out which banking method is right for 18 and up poker players, this page has all the information you need to make the most informed decision about how push your fat stack of chips all in.

Best Online Poker Rooms With Easy Banking Options For 18 And Up Players

 Poker SiteBonusRating/5USAVisit Site
1Betonline Logo100% Max $1,0004.7Play Now Review
2Bovada Poker Logo100% Max $5004.5Play Now Review
3SportsbettingAG Logo100% Max $1,0004.2Play Now Review

US Online Gambling Banking Laws

Most 18-year-olds have credit or debit cards, and these are both viable ways to move money to your offshore poker site of choice. That said, credit/debit transactions are sometimes hit or miss with these sites, thanks to a pesky US banking restriction called the UIGEA (2006).

While poker gambling laws don’t target 18+ poker players in any way, it does occasionally prevent banks from processing credit- and debit-based payments to these overseas operators. This can cause your card to be rejected, and though it won’t put a hold on your card or deactivate it, it will slow down your ability to play real money poker over the Internet. In the age of mobile convenience, that’s obviously a problem.

Luckily, credit and debit cards aren’t the only ways to fund your 18 and up online poker experience, and there are plenty of reliable alternatives that can get you hitting the digital felts – and feeling those digital feels – faster than ever.

Best Banking Options For Under 21 Poker Players

The following poker deposit and withdrawal options are available to 18 and up players at all the major offshore poker rooms listed here, and we’ve ordered them according to their popularity and benefits.

Bitcoin (BTC) is without question the top way to fund your online poker account, with other cryptos also being viable. However, not everyone is on the cryptocurrency bandwagon, so more traditional banking methods are also listed.

18+ Poker Deposit Methods

  • Bitcoin – Bitcoin (BTC) is the most popular and most valuable way to fund your 18 and up poker account. This is because the cryptocurrency is extremely secure (some call it “unhackable”), comes with no added fees of any kind, processes nearly instantly, has the biggest limits, and offers the only same-day payouts from offshore poker rooms. Additionally, Bitcoin bonuses are often higher than standard deposit bonuses, which can earn you more free cash to play the poker games you love.
  • Bitcoin Cash – Bitcoin Cash (BCH) is an offshoot of Bitcoin that most online poker rooms accept. As with BTC, BCH has the same general benefits, include zero processing fees and same-day payouts. Generally, all supported cryptocurrencies come with these perks, but we still advise using Bitcoin proper, as it’s the gold standard not just for offshore under 21 poker, but for global transactions in general.
  • Zelle – Zelle isn’t a form of currency in and of itself, but it’s something that anyone aged 18 and up probably has access to. This is because – if you have a bank account in the US – you likely have Zelle Pay built into your online bank or mobile banking app. Zelle is a peer-to-peer instant pay service akin to PayPal, and while you can’t use it to fund your 18+ poker room activities directly, you can use Zelle to purchase BTC, which you can then use for loading up your gambling account. The Zelle-to-Bitcoin process goes through a secure exchange called LocalBitcoins, and you can read about this process in depth at our Zelle Deposits page.
  • QB Direct - QB Direct deposits (or Quickbit deposits, at some poker sites) are designed to allow first-time 18 and up crypto depositors make fast, easy Litecoin transfers without having to go through the typical cryptocurrency exchange process. The QB Direct service is a third-party platform that allows players to use their credit or debit cards to have LTC credited to their accounts in just minutes instead of days or weeks (which is how long it can take to buy crypto off the exchanges if you never have before). QB Direct poker deposits also let you claim enhanced crypto gambling bonuses and same-day payouts, though instant withdrawals do require you to use a free Litecoin wallet.
  • Poker Vouchers - Vouchers are used by several of the best 18 and up online poker rooms to assist players in making deposits and claiming withdrawals. Vouchers, also called Player Transfers at some sites, let an individual player buy all or part of another player's account balance to deposit into their own accounts. Online poker voucher codes can be bought or sold anywhere and through any means, as they are secure private transactions (though we recommend only using your site's official Community portal listings). This means that gambling voucher buyers can effectively deposit with PayPal, Venmo, Cash App, Apple Pay, Google Pay, etc., while sellers can claim same-day payouts via the same P2P instant-pay services.
  • Credit/Debit – Most offshore poker sites for 18 and up players accept credit and debit cards. Usually, these are limited to Visa and Mastercard, though some operators will also take American Express and even Discover. Unfortunately, while credit cards and debit cards process instantly, they don’t always work (due to the UIGEA law), and they come with poker deposit fees ranging from 3.5% to 10%. We think Bitcoin is the much better deal, but if you don’t have any crypto, then credit/debit is the next best thing.

18+ Poker Withdrawal Options

When it comes to withdrawals, the best option for 18+ poker players is to use Bitcoin. Remember, BTC (and other cryptocurrency) is the only way to get same-day withdrawals, and Bitcoin transfers come with high limits and no added fees. When you win the pot, you want to keep it all, right?

The only way to request a withdrawal using Bitcoin or another cryptocurrency is to first fund your account using the form of crypto you prefer.  In other words, you cannot fund your account with your Visa and then request a payout using Bitcoin.

Still, crypto isn’t for everyone. Most offshore poker rooms offer several other payout options, including bank wires, courier checks, and the like. However, these alternative methods can be cost-prohibitive and take longer. We cover the pros and cons of these (mostly cons, frankly) in the section below.

Online Poker Same Day Payouts

We mentioned this above, but it bears repeating: The only way you can get same-day payouts from legal offshore poker sites is to use Bitcoin or another cryptocurrency that the site supports (like Ethereum, Litecoin, Bitcoin Cash, Ripple, etc.).

Because Bitcoin is decentralized, it isn't controlled by any governments or banks, and transfers are allowed to go through no matter where you are. Thus, sites operating from overseas have no trouble sending you your poker winnings via Bitcoin, though many of them will limit how often you can request these (usually 2-3 times per week). For sheer convenience and the fastest way to claim your poker pot, BTC is unbeatable, see?

Other Poker Banking Options For 18 And Up Players

There are several other ways to fund your 18+ poker account at most sites. These are more traditional than the above-recommended avenues, and they include things like bank wires, money orders, person-to-person payments (i.e. Western Union, MoneyGram), and even cashier’s checks.

However, these options – while perfectly viable –  aren’t always the best for 18 and up players for a few reasons. First, they all come with comparatively large transfer fees, which eat into your poker payouts. Second, you typically have to wait 3-5 days for these transactions to clear. Finally, withdrawals through these poker banking methods can take even longer, and they sometimes come with more fees and limits that can really cut into your profit margin.

For high rollers, poker sharks, and big ol’ whales, bank wires and the like might be just the James Bond thing. For those of us living in the real connected world of the 21st century, however, most of the other options above are more convenient for under 21 players.

The exception here, and our favorite non-Bitcoin withdrawal method, is to use courier checks. This is because courier checks arrive in about a week on average, and most 18+ poker sites will let players request no-fee check payouts once or twice a month. If you want to keep all of your poker winnings and aren't interested in using BTC or other cryptocurrencies, courier checks are absolutely the way to go.

18+ Poker Site Bonus Options

Most sites offer poker bonuses for new and returning members. One of the most popular in the industry, for example, is the Bovada bonus. This requires a Bovada poker bonus code, which you can find on the website itself.

Similarly, the majority of offshore operators employ the same bonus poker strategy. If you sign up at Ignition Casino, you’ll need to put in your Ignition poker bonus code, and if you join BetOnline, you’ll have to enter the BetOnline poker bonus code. This is standard practice in the industry, and they use codes so you have to actively opt-in to these bonuses.

However, there is no reason not to accept online poker bonuses, as they’re the best casino bonuses available. These don’t come with any rollover or playthrough requirements, for example, which is the standard for all other casino games at online poker sites.

Instead, poker bonuses are released to you in increments as free cash, and you earn them by accruing comp points by playing poker at your site of choice. Every time you reach a specific point threshold, the operator releases a portion of your bonus – usually $5 or so – into your account with no strings attached.

Poker bonuses are the only gambling bonus options we can recommend for all players no matter what, as they are literal free money to pad your bankroll.

18+ Poker Banking FAQs

Which companies offer a bank account for 18-year-old customers? 

Most banks offer under 21 bank account options to their young adult clientele, as 18 is the legal age of adulthood in the US.

Those younger than 18 will typically only be able to open bank accounts with their parents or guardians on the account, but then again, you can’t gamble under 18, so funding a poker account shouldn’t even be on a youngster’s radar.

What is the best bank for 18-year-olds?

This is impossible to answer, as it depends almost entirely on where you live and what local, regional, and national banks are active in your area. All major US banks and credit unions accept 18 and up customers, allowing them to open their own accounts without any cosigners.

In our experience, for the most part, one big-name bank is as good as the next, so ask around and pick one!

Are there bank loans for 18-year-old poker players?

Bank loans for under 21 customers are quite common, but you are never going to get one to fund your online 18+ poker account, so don’t even try. If you’re at the point where you’re considering taking out bank loans to play online poker, you’re probably suffering from gambling addiction and should consider getting in touch with the National Council on Problem Gambling ASAP.

What is free deposit online poker?

In a nutshell, free deposit online poker is what you get when you use Bitcoin to fund your account. Since Bitcoin comes with no added fees of any kind, it’s the only free way to move money into your under 21 poker site of choice.

What does “poker signup bonus no deposit” mean?

Many sites advertise bonuses like the above. In theory, these bonuses can be redeemed by those signing up to play poker even though they don’t make an initial deposit.

None of the major offshore poker rooms do this, as it’s an advertising tactic that misleads players into thinking they can play with and win free money. We recommend avoiding any site that offers promotions like these, because that’s the bait, and you definitely won’t like the switch.

How do poker tournaments payout?

The payout structure for poker tournaments at offshore gambling sites is outlined in their poker payout chart documents. Poker tourney payouts vary based on the size of the tournaments, the buy-ins required, and how many players earn prizes at the end.

At offshore poker rooms, there are several new tournaments that start each day, all with different structures and prize pools.

Which poker sites have the fastest payouts?

For the fastest payout poker site players need to look no further than the sites on out list above. As all of these take Bitcoin – and since the Bitcoin payout time is usually just a couple of hours – you can get your poker winnings delivered to you stateside the same-day.

Remember, Bitcoin is the only same-day payout method for online 18+ poker rooms.

What are the withdrawal limits at offshore poker sites? 

Each online poker site for 18+ players will have different minimum and maximum withdrawal limits. These vary by payout method, as well, and you'll have to consult your particular poker room for details or check out our reviews, where we cover each operator in detail.

As a general rule, Bitcoin has the best balance of minimum and maximum payouts, allowing you to request as little as $20 or as much as $10,000 at many sites. Courier checks are next, with minimums sitting at around $100 and maximums hovering in the several hundreds or more. Money orders have limits on par with checks, and bank wires usually have the highest minimums but have very high maximums, as well (often higher than BTC).

No matter how much you wish to withdraw, the best poker sites will have you covered. Just remember to factor in any associated transfer fees, as these come out of your winnings.

Do 18+ poker sites offer free Bitcoin daily payout options?

Most sites will not let you withdraw Bitcoin for free every day. While free Bitcoin payouts are standard in the industry, the best sites typically limit your ability to withdraw in BTC to once every three days or so. While Bitcoin offers the ultimate poker payouts, you need to make sure you only request these a few times per week.

Why are there so few Bovada poker withdrawal options?

Bovada, for all its glory (it’s our favorite 18+ poker site, after all), does have one big drawback, and that’s its limited withdrawal options. Basically, if you want a Bovada poker payout, you need to pick Bitcoin, Bitcoin Cash, or a courier check. The same is true for Ignition poker payouts, as they are sister sites.

That said, though the options are limited, those are the three best options in existence.  Bitcoin and other cryptocurrencies are your only option at any online poker site to get same-day payouts. So if they are only going to have a few withdrawal methods, we're glad they picked the best of the bunch.