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Top 5 Credit Card Casinos
Tested with real Visa & Mastercard deposits — February 2026.
Detailed Casino Reviews
Each casino tested with real credit card deposits from Canadian banks.
LuckyDays
Best overall — highest bank approval rate
- Approved by all Big 5 banks
- 0-24h withdrawals
- MGA + Kahnawake licensed
- 2,000+ games
- Bonus below average
- No phone support
CasinoFriday
Best game selection — 5,000+ titles
- 5,000+ games from 70+ providers
- Daily missions
- Good welcome bonus
- Withdrawals up to 48h
- Curaçao license only
Casumo
Most trusted — MGA licensed since 2012
- MGA licensed — top regulation
- 0-24h withdrawals
- 12+ year track record
- Smaller game library
- Limited CA banking
Vulkan Vegas
Biggest game library — 7,000+ titles
- 7,000+ games
- Generous loyalty program
- Most CA cards accepted
- Withdrawals up to 72h
- Curaçao license
- Slow support
YoYo Casino
Easiest deposits — frictionless process
- High CC approval rate
- Simple deposit flow
- Decent bonus
- Less established
- Curaçao license
- Fewer payment methods
Real Deposit Tests
We put our own money on the line. Every casino was tested with real deposits.
$50 approved instantly. Coded as regular purchase.
Tested Jan 2026$50 declined. TD auto-blocked MCC 7995.
Tested Jan 2026$25 approved but coded as cash advance. $5 fee.
Tested Feb 2026Canadian Bank Policies
14 banks tested — here's which ones let casino deposits through.
Select your bank to see if deposits will work.
| Bank | Casino Deposit Status | Cash Advance Fee | Interest Rate | Best Alternative |
|---|---|---|---|---|
| Big 5 Banks | ||||
| BMO | 🟡 Hit or Miss | $5.00$7.50 if foreign | ~22.99% | Interac, MuchBetter |
| Scotiabank | 🔴 Mostly Declines | $5.00$7.50 if foreign | ~22.99% | Paysafecard, e-Wallets |
| RBC | 🔴 Mostly Declines | $5.00$7.50 if foreign | ~22.99% | Interac e-Transfer |
| TD Bank | ❌ Strictly Declines | $5.00$7.50 if foreign | ~22.99% | KOHO, Interac |
| CIBC | 🔴 Mostly Declines | $5.00$7.50 if foreign | ~22.99% | MuchBetter, Payz |
| Other Banks | ||||
| National Bank | 🔴 Mostly Declines | $5.00$7.50 if foreign | ~22.49% | Interac e-Transfer |
| Desjardins | ❌ Strictly Declines | $5.00 | ~19.90-21.90% | Interac, Prepaid |
| Tangerine | 🔴 Mostly Declines | $3.50-$5.00 | ~19.95% | Interac e-Transfer |
| Simplii | ❌ Strictly Declines | $5.00$7.50 if foreign | ~22.99% | Interac e-Transfer |
| PC Financial | ❌ Strictly Declines | 1% (min $5, max $10) | 22.97% | Don't use — Interac |
| ATB Financial | 🟡 Hit or Miss | $5.00$7.50 if foreign | ~22.99% | Interac e-Transfer |
| Laurentian | 🔴 Mostly Declines | $5.00 | ~21.99% | e-Wallets |
| Neo Financial | 🔴 Mostly Declines | Varies | Varies | Interac e-Transfer |
| 🏆 Recommended | ||||
| KOHO (Prepaid MC) | ✅ High Approval | $0 | 0% (prepaid) | This IS the best card |
Big 5 Bank Details
Most lenient Big 5 bank. BMO Mastercards have the highest approval rate. Agreement →
Inconsistent. Scotia Visa declines more than MC. Agreement →
Auto-blocks MCC 7995. Don't count on it. Agreement →
Recently tightened policies. High decline rate. Agreement →
Zero tolerance. Blocks or cash advance at 22.99%. Worst Big 5 bank. Agreement →
Best Alternative: KOHO Prepaid Mastercard
Skip the bank hassle. Not connected to a traditional bank — no MCC 7995 block. Load, deposit, done.
What is MCC 7995?
Merchant Category Code 7995 — Gambling Transactions
Every credit card transaction carries a Merchant Category Code. MCC 7995 is how Visa/Mastercard classify gambling transactions.
When a casino processes your deposit, this code tells your bank it's gambling:
- RBC, CIBC, TD — auto-decline MCC 7995
- BMO — generally lets it through
- Scotiabank — inconsistent
Why one casino works but another doesn't? Different payment processors use different MCC codes. Some route through intermediaries that avoid 7995.
Sources: FINTRAC · AGCO · Criminal Code S.207
Cash Advance Warning
Your Deposit Could Cost 22-24% Interest
Some banks process gambling deposits as cash advances:
- No grace period — interest starts immediately
- Higher rate — 22-24% APR vs 19-21% for purchases
- Cash advance fee — 3-5% or $5 minimum
- Hurts utilization — can damage credit score
TD is the worst offender. Safest option: KOHO Prepaid Mastercard — no interest, no fees.
Can't Withdraw to Credit Card
Canadian banks don't allow casino withdrawals to credit cards. Use Interac e-Transfer:
- Available at all 5 recommended casinos
- Deposits directly to your bank
- Usually 0-24 hours
How We Test
Transparent, repeatable, based on real money.
- Real deposits — $25-100 at each casino using cards from all Big 5 banks. $1,400+ total.
- Track approvals — Visa and Mastercard from multiple banks. Record every approve/decline.
- Test withdrawals — Interac e-Transfer, measure processing time to bank deposit.
- Evaluate games — Count providers, check popular titles, test mobile.
- Verify licenses — Confirm active MGA, Kahnawake, Curaçao licenses on regulator sites.
- Score & rank — CC Approval (25), Withdrawal (25), Games (20), License (15), Bonus (15) = 100.
Testing: November 2025 – February 2026.
