Skip the Headaches and Play at a Legitimate Site

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You’re looking for a legitimate U.S. gambling site, but can’t decide which site to trust with your hard-earned money?

Good news! We’ve been in the online gambling industry for over a decade (several decades, really, if you add all of our experience together), and we’ve spent countless hours to bring you a list of the most legitimate sites.

Here’s what all of these sites have in common:

• For example, we can provide the best online gambling sites available to US customers, legit places to bet on baseball, or the top online casinos at which to play slot machines. While all of our trusted sites are both safe and reliable, some are better for specific activities than others.
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• 10+ years in the business with strong reputations.
• Attractive promotions for first-time customers.
• Quick money withdrawals (relative to the U.S. market).

Our Top Recommended US Gambling Sites

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Why Bovada Is #1 in the U.S.

#1: Fastest Check Cashouts

Bovada gets 10 times as much traffic as its second best US competitor and still delivers check payouts faster than any of them. Bovada processes check withdrawals in 7 days; many of its competitors take weeks, some more than a month to do the same. (There are other fast options, like the #3-ranked BetOnline, which delivers checks in 14 days.)

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#2: Service

An equally important aspect of Bovada’s operations is its customer service. If there ever was an indication of how much a company respects its customers, it’s the level of customer service the company provides. I haven’t found any US-friendly site doing this aspect of the business better (although 5Dimes is a worthy runner-up).

#3: All-In-One

Finally, all parts of Bovada’s business (sportsbook, casino, poker, racebook) are popular. Bovada is best-known for sports betting and casino games, however, even its online poker room has around four times as many players online as the second biggest US poker site. You can access all of their games with one player account.

… But You Should Know This

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Bovada is recreational-friendly, perhaps more-so than any other US site. You’ll find few golden opportunities in their sportsbook (read more about their use of dual lines), they have a relatively high overall house edge (especially after recently increasing house edge in video poker games) and their online poker room only has “anonymous” tables.

Although not everyone agrees with me, the recreational-friendly part is an advantage for skilled poker players. Since Bovada appeals to recreational gamblers, you’ll be like a shark among regular fish.

Bovada charges a 4.9% fee for credit card deposits (a lot considering how most sites charge nothing). The impact of the deposit fee is slightly compensated by their welcome bonuses, which are better than average.

All online gamblers look for entertaining games, attractive promotions and aesthetically pleasing software. To have a safe experience, however, you want a site to:

1. Serve its customers with safety and respect,
2. Operate with a reasonable house edge, and
3. Handle money transactions promptly.

Yes, the third point is included in the first point but it’s also such an essential part of the customer experience that it must be mentioned separately. Many online gambling websites operate without an adequate level of service so these points are worth considering. It’s rare to find a combination of all three points.

Bovada fulfills all of the above criteria better than other sites but 5Dimes does well, too. In fact, I’m confident in ranking those two as the best USA gambling websites specifically because they deliver so well in the areas related to safety and trustworthiness. A site without proper customer service and safety measures is not one you should deposit money to, regardless of its promotions and whatnot.

What Are Some Alternative Options?

For Sports Bettors

5Dimes.eu is the best betting site in the US for the following reasons: they’re professional-friendly and offer reduced juice betting lines (in other words, less house edge). Before betting on any game, I recommend taking a look at the odds 5Dimes is offering. They’ve been a reliable sportsbook for over 10+ years — you’ll find few complaints about 5Dimes online, and the ones you find have been resolved quickly.

For poker and casino games, I would go with Bovada. But for sports bettors, it makes the most sense to have an account at 5Dimes.

Another Solid Option

BetOnline.ag is my third suggestion. It’s not significantly better than the others in any area but they’re simply a solid option. Prompt cashout processing, decent poker traffic, good sports betting options and entertaining casino games. Additionally, I’ve had good experiences with their customer service.

For sports bettors, BetOnline is worth signing-up at simply to be able to compare betting lines among a few sites. For poker players, BetOnline may offer some good games every now and then (keep in mind: you can bet on sports and play casino and poker games with the same account, so plenty of gamblers will stumble on the poker games eventually). For casino gamblers, BetOnline has a basic but reliable offering.

BetOnline charges a 6% fee for credit card deposits.

Is It Legal to Play?

The definition of ”gambling” and the laws surrounding vary depending on which state you live in.

In Delaware, Nevada and New Jersey, some forms of online gambling have been legalized and regulated (only state-licensed sites are allowed to operate legally). In other states, it’s likely (although not widely agreed upon) that playing – and certainly operating – online gambling games for real money is illegal.

On a federal level, sports betting is the only form of prohibited gambling via the Wire Act of 1961. For several years, the Department of Justice (DOJ) maintained that the Wire Act applies to all forms of online gambling, but in December 2011, they corrected that stance by stating that the Wire Act only applies to sports betting – a result of a 13-page memorandum from the Office of Legal Counsel to the Criminal Division of the DOJ (source).

State laws, however, often indirectly prohibit gambling. Or to put it another way: it would be difficult to claim any forms of online gambling legal with absolute certainty in most states (lotteries and such aside). Most state laws indirectly prohibit gambling simply by making all forms of gambling unlawful that have not been made lawful.

Purely based on history, it’s unlikely you’ll get into legal trouble; then again, if something is illegal, you can get into trouble, and someone probably will. Gambling online may be illegal where you live. Contact a local gaming lawyer to get a better idea of your local laws.

Legal Troubles

Industry-changing events have taken place in the online gambling world – mainly concerning online poker – such as the UIGEA and Party Poker’s exit from the US market, or PokerStars’ exit from the US market in 2011.

Those crimes were committed by online poker operators, though, not players. Still, the mere fact that online poker companies were targeted was enough to cast a shadow over the legality of US online poker, and furthermore, players grew more and more worried about one of these sites getting shut down along with the money on their player accounts.

In fact, there is a legitimate reason to worry about dishonest US gambling sites taking your money. Some sites have indeed taken off with the money – a recent example is Lock Poker, which currently may owe its customers over $15 million. I created LegitGamblingSites.com mainly to give more exposure to the sites with strong track records of honest business practices.

The lawmakers, in that regard, have a point about not allowing unlicensed sites to provide online gambling games to US citizens. While that may not be the reason, it’s likely one of them. (If I had to guess, I’d say they’re more concerned about losing out on tax dollars and protecting the interests of brick & mortar casino owners such as Sheldon Adelson, although through the RAWA – Restore America’s Wire Act legislation – he tries to do that by himself.)

How to Move Money Around

Ever since the Unlawful Internet Gambling Enforcement Act of 2006 (UIGEA) became a law, US citizens have had a more difficult time finding a suitable deposit method.

There are only a few left, actually.

The most common deposit method for US citizens is still credit card deposits, out of which VISA is the most widely accepted brand, followed by Mastercard, with American Express being a distant third. Cards must be eligible for both international and online transfers.

The alternative method is to use a money transfer service such as Western Union. Western Union is mostly a deposit-only method. (Bovada is an exception since they only allow you to withdraw money via a check.)

Why to use a money transfer service instead of a credit card?

• A card deposit fails to go through. This happens every now and then, and the only way to know if your card will be accepted is to try. According to various forum reports, Vanilla VISA is declined at most sites while Netspend VISA has been successful.

  Surprisingly, players have had problems with card deposits even at state-licensed sites due to banks like Bank of America outright declining all gambling transactions. Things will likely get better with the new MCC codes for VISA, Mastercard, American Express and Distant which will help casinos to identify gambling transactions more accurately. It’s unclear how much of a help this will be since banks still have the right to decline transfers marked with the new MCC codes, and due to not wanting to violate the UIGEA (according to which they’re prohibited from knowingly processing unlawful gambling transactions), banks may decide it isn’t worth it and keep cancelling transactions even if they were for state-licensed sites.

  This is expected to change once bigger states – perhaps even the biggest of them all, California – join internet gambling, since declining the transactions will then affect such a large percentage of any bank’s customer base.

• You want a faster cashout. While money transfer services cost more (many sites, like Bovada, allow one free check cashout a month), the money is usually delivered to be picked up at a local Western Union location in five days or less.
• You don’t want a check cashout. You need to go to a cashier to cash a check. Most people would rather avoid doing this, especially since banks aren’t allowed to knowingly process online gambling related transactions (unless in Delaware, Nevada or New Jersey, but people have had problems in those states as well).

In general, you’ll have higher transaction costs with money transfer services than with a combination of credit cards and checks. BetOnline and Bovada are the only major USA sites charging for credit card deposits and most allow one free check cashout per month – some, like True Poker, allow a free check withdrawal every seven days.

How to use a credit card/check combination?

1. Enter your credit card details online after which you have the money on your player account instantly.
2. When done playing, order a check cashout, which will take from a week to over a month depending on which site you’re dealing with.
3. Go to your local bank to cash the check.

How to use a money transfer service (like Western Union)?

1. Go to their website or a live Western Union location and send money to the gambling site. (You’ll need to contact the gambling site first to get their transfer details.)
2. When done playing, initiate the withdrawal from your player account.
3. Go to a live location to collect the money.

State-Licensed Sites

As mentioned, Delaware, Nevada and New Jersey have legalized and regulated some forms of real-money online gambling. Delaware started with online poker but has since expanded into casino games as well; Nevada offers online poker games only; New Jersey offers online poker and casino games.

As you can see, not a single one of these states offer online sports betting. In New Jersey – clearly the biggest market of the three – there’s a clause according to which sports betting may be considered to be added in the future.

Requirements

You must be physically located within a state’s boundaries to play at the licensed sites. If you’re currently located in California but live in Nevada, you’re unable to play until you return to Nevada; if you’re currently located in Nevada but live in California, you can play as long as you stay within Nevada’s state boundaries.

Licensed sites have to make sure nobody outside of the state can participate in the games. Geolocation – identifying exactly where a person is located – has been difficult, and there are still people who are unable to play even though they’re located within those states. This is one of the reasons licensed online gambling sites have done financially worse than expected.

Only existing brick & mortar casino owners within those states can apply for licenses, although they can apply together with an existing online gambling site in a software-licensing agreement, like Caesar’s Interactive and 888.com have done. If a poker site kept operating in the US after the UIGEA of 2006, it will be subjected to a ”bad actor” clause in Nevada and be prohibited from operating in the state for now.

Performance

Each state has had a rocky start, although New Jersey is doing OK. In March 2014, they did $11.87 million in revenue, which grew into $13.16 million in March 2015. A growth rate of 14.57% year-over-year is better than nothing, but still a far cry from the $1 billion within the first 7 months of operating Governor Christie expected (New Jersey gambling sites were launched in November 2013). In other words, his expectations were a little over $140 million a month on average, or about ten times the current revenue.

According to PokerScout.com, Nevada’s online poker revenue is going downhill. Year-over-year decrease in revenue of around 44% (from February 2014 to February 2015) is, no matter how you look at it, a disappointing result. Problems with card deposits and geolocation – both of which exist in other states as well – and player liquidity have undoubtedly contributed to the significant decrease. Players have to deal with fewer problems when playing at offshore sites, and as long as that continues, it will be difficult for state-licensed sites to gain major traction.

In Delaware, the state keeps all yearly revenue up to $3.75 million. Since total revenue for 2014 was around $2.1 million, gambling operators have made nothing. The main reason for such a low amount of revenue is Delaware’s population of 0.94 million (in comparison, New Jersey has a population of 8.9 million). Liquidity is important for online poker since you need lots of players to run games at various stakes, in several forms and throughout the day. Delaware is trying to improve its poker liquidity by combining player pools with Nevada but so far there hasn’t been a significant improvement to its online gaming revenue.

If all of the three states were to combine their player pools, it would create a poker economy of around 12 million people, which could add significant liquidity to the games and thus bring in more revenue to each of the states.

Offshore Sites

Gambling sites accepting US customers from outside of the three states are all ”offshore” sites, meaning they operate from outside of the US and have no license to operate within the US. They have obtained a license in some other jurisdictions – such as Antiqua & Barbuda or Panama – but many of those jurisdictions have less-than-stellar reputations.

The disadvantage of gambling at offshore sites is the lack of safety. For an outsider, it’s impossible to know how strict testing measures these sites go through to prove their legitimacy, and hypothetically, if one of them were to disappear from the internet tomorrow along with your money, what could you do about it?

Lock Poker, as already mentioned, is an ongoing example. They’ve now lost their license in Curacao (weirdly, they were able to keep the license easily over a year after refusing to process customer cashouts) and there’s nothing anyone can do to make sure Lock Poker’s customers have their money returned. All we can do is spread the word to the people who are considering signing-up and depositing money to their site.

The best thing you can do is consider the reputation of the site rather than the jurisdiction since all jurisdictions have had dishonest sites. The longer a site has been fully operational, and the fewer complaints it has generated, the better. Essentially, Bovada has been in the online gambling business since 2000 when Bodog.com was founded (the US-friendly operations of Bodog were re-branded as Bovada in 2011), and as mentioned, they’ve achieved an excellent reputation with a high level of customer service.

But there are advantages to playing at an offshore site, too, and you can legitimately argue that the advantages override the disadvantages. Offshore sites place fewer restrictions on customers, need less personal information and have to compete with lots of other sites (within US states, competition is limited) which forces them to be at their best in order to succeed. There are no geolocation issues either.

Safety and legality aside – although obviously, both are big considerations – offshore sites are the better option in almost every area. Since only three states have legalized some forms of real-money online gambling in the US, they’re the only places for internet gambling for around 96.4% of US population.

What’s Next?

US online gambling is in a transitional phase: after a long wait of legalization, three states have done it, mostly with lackluster success. Suggesting geolocation and deposit issues are resolved, revenue streams may grow. With online poker, though, most likely at least one of the bigger states has to legalize it and combine player pools with the others to create a meaningful poker economy.

A federal legalization would create much-needed competition and player pools, which in turn creates a bigger incentive for operators to participate and, in many ways, a better environment for gamblers. If internet gambling was to be legalized nationwide, every operator and their grandmother would want a license. As of now, it’s more beneficial for most operators to stay outside of the US.

Players from all over the world have discovered the joys of playing their favourite casino games from the comfort of their home for well over two decades.

For some countries, legalization has been a major bone of contention but luckily New Zealand based players can enjoy a quality, safe, and enjoyable online gambling experience.

There are many New Zealand online casinos to choose from but what’s important is to pick the best. That’s where Top 10 Casino Websites comes in. We do all the ground work to make your quest for online gambling as smooth as possible.

After all, it’s not only important to get the slickest online versions of pokies, blackjack, roulette and video poker, but equally essential to play at reputed casinos. When we say ‘Top 10’ we mean it and the list generated by our expert reviewers is based on several aspects.

How We Pick The Best New Zealand Online Casinos

Here’s why some New Zealand online casinos make it to our list:

• Offer a wide range of pokies and table games
• Allow players to make the most of nifty welcome bonuses and ongoing promotions
• Great mobile games and apps for iOS and Android
• Licensed and regulated by reputed gambling commissions such as the Malta Gaming Authority, Alderney Gambling Commission, Kahnawake Gaming Commission and UK Gambling Commission to name a few.
• Responsive customer support
• Support a variety deposit and withdrawal options in NZ$ to suit every type of New Zealand player
• RNGs certified for fair play by eCOGRA and other reputed testing labs
• SSL encryption for enhanced security
• Speedy payouts

Why choose us

Our experts have decades of experience in the online casino industry and use this expertise to test hundreds of sits. Every casino is researched and vetted with New Zealanders in mind.

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They look at the all important criteria of security, regulation, auditing, game variety, and every element as mentioned above to ensure that every player has a seamless, secure online gaming experience. This holds good for every casino’s mobile version or apps for smart-phones and tablets.

With Top 10 Casino Websites you get:

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• Expert opinions from the cream of the online casino industry
• Play at legist online casinos in New Zealand certified and secure
• Enjoy top new releases every month
• Get the fastest payouts, biggest bonuses
• Transact in NZ$
• Play at casinos with thousands of pokies and table and card games
• Stay updated with the latest casino news, reviews, rating and more
• Play the best games on the go on smart-phones and tablets

Is Online Gambling Legal In New Zealand?

Gambling has been an integral part of New Zealand culture for centuries. For the most part, Kiwis are permitted to participate in some forms of gambling including mobile pokies and at online casinos based outside the country’s borders. Gambling is regulated by the Department of Internal Affairs while residents are said to wager over NZ$2 billion a year. Land based pokies or slot machines have always a favourite, which is why players now get to play the widest range of pokies at New Zealand online casinos.

The body that now oversees gambling regulation in New Zealand is The Gambling Commission, which was established in 2003 with the introduction of the Gambling Act 2003. The act was amended in 2005 and in March 2015 as well. Neither of the amendments altered the rights of Kiwis to play online. The commission not only licenses casinos but also specifies the terms and conditions for licensing and regulation.

Can New Zealanders play at international casino sites?

Whether you have a penchant for spinning the reels in pokies or love racing to 21 in blackjack or enjoy the thrills of the roulette wheel, Top 10 Casino Websites can lead you to the best online casinos in New Zealand.

As long as a player is 18 years of age, there are no laws that prohibit Kiwis from playing at online casinos based outside the country.

Important Facts About New Zealand’s Gambling Laws

• The Gambling Act 2003 states that it is not illegal for adult players in New Zealand to play at online casinos based overseas. This means that there is no risk of prosecution.
• Players can play pokies at online casinos that are regulated overseas.
• Winnings from gambling online are exempt from tax since there is no provision in the guidelines by the Inland Revenue that relate to winnings from online gambling. This is because online gambling is deemed as a hobby or pastime.
• The New Zealand Racing Board controls online sports betting. Some of the popular markets include Football, Cricket and the Rugby Union, which are available with online bookmakers based overseas.
• Online poker is neither banned nor illegal and the same laws applicable to online casinos also apply to online poker.

Enjoy The Best Mobile Entertainment At New Zealand Online Casinos

Players who are always on the move can enjoy their favorite games at their fingertips on a smart-phone or tablet. Simply fire up the casino’s mobile site or app on your device and start playing hundreds of games in an instant.

From online pokies to blackjack, roulette, baccarat, poker, keno, video poker, scratch cards and many more games, New Zealand online casinos offer the chance to play anywhere, anytime.

At Top 10 Casino Websites you will find the best casinos where you can download an app or fire up your browser.

We’ve tested many casinos with mobile platforms and only feature the best who can deliver everything from game-play to incredible graphics with audio to match, and seamless streaming.

Why Play At New Zealand Online Casinos

Our goal is to get players to have the most fun possible at New Zealand online casinos. This is why we pay attention to the quality and quantity of games available so that you can get straight to where all the action is.

All our list casinos offer a variety of games from leading software providers such as Microgaming, Net Entertainment, Betsoft Gaming, Playtech, Real Time Gaming (RTG), NextGen Gaming and many more. You can always play many of these games including online pokies for free before you gamble with real money. This is a great way to experiment with new games.

Here’s a few of the top games you will find at online casinos in New Zealand that are listed right here on our site.

Online Pokies: From 2 reel classics to multi pay-line and multi-reel slots, and life changing progressive pokies, you will find spinning the reels an amazing experience at these casinos. From Microgaming’s Tarzan, Dragonz, and Playboy, to Net Entertainment’s Blood Suckers, Starburst, Gonzo’s Quest and Jack and the Beanstalk, and The Slotfather, Giovanni’s Gems, and Frankenslot’s Monster by BetSoft, you are spoiled for choice when it comes to online pokies.

Blackjack: Players who love that race to 21 will find plenty of tables. There are many variants from Vegas Strip to Classic Blackjack, Blackjack Surrender, Double Exposure Blackjack and many more, to choose from.

Roulette: Spinning the roulette wheel brings with it plenty of excitement especially for players who love traditional casino games. Our list of casinos features several variants that include French, American and European Roulette in addition to a number of games with a twist.

Video Poker: Fancy beating the dealer in video poker? This game with a low house edge offers greater winning possibilities. Aces and Faces, Jacks or Better, Tens or Better, and Deuces Wild are some of the popular titles you will find at New Zealand casinos list on our site.

Baccarat: This is an easy game with some of the most attractive odds and an equal chance of winning. It’s a game with a low house edge that can help stretch your bankroll.

Craps: Play this action packed game at the top online casinos in New Zealand. All you need is to bet on the outcome of two rolled dice. The game is popular with a large following at online casinos.

Live Dealer Games: Make the most of video streaming technology and enjoy the experience of a land-based casino on your desktop. Online casinos offer the opportunity to play live blackjack, live roulette, live baccarat and many other games such as Texas Hold’em with professional croupiers and dealers in attendance. These games can change your perspective about online casino gambling.

New Zealand Online Casino FAQs

1. Are New Zealand online casinos safe and regulated?

At Top 10 Casino Websites you will find only trusted casinos that are certified and regulated by reputed gambling commissions such as the Malta Gaming Authority and UK Gambling Commission. We leave no stone unturned to vet every casino on a number of parameters before we render them relatively safe to play.

All the casinos listed here have their Random Number Generators (RNGs) tested for fair play by leading independent testing labs.

2. Can I play in NZ$?

Yes, many online casinos support Kiwi currency and we have picked the best from the list. These casinos allow players to fund their casino account and withdraw winnings in NZ$. Using your local currency allows you to save on currency exchange fluctuations and additional fees.

3. Is it legal to deposit and withdraw money to online casinos?

Yes. It is perfectly legal to deposit and withdraw from any of the online casinos list here. Remember, the gambling operator must be based overseas and not in New Zealand.

4. Are winnings on online gaming taxable?

No! Winnings form online casinos based internationally are not subject to income tax. Players are allowed to keep 100% of their winnings.

5. Do I have to download software?

Some New Zealand online casinos offer a download software client while some casinos may offer both download and instant play versions or are exclusively instant play. You can simply visit the casino on your desktop or mobile and play games instantly in a Flash compatible browser without the hassles of downloading any software client. Both versions offer a fully immersive gaming experience with easy to navigate interfaces.

6. What are the banking options available?

All the sites listed at Top 10 Casino Websites offer trusted and convenient banking options designed for Kiwis. This includes Visa, MasterCard, Skrill, Neteller, EcoPayz, Sofort, and POLi, to name a few.

7. Are credit cards or eWallets more convenient?

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Credit cards are popular option since they were the first to be introduced to online casinos. It is one of the easiest methods where there are no charges on deposits made via a credit card. Funds can be sent to your casino account in a matter of minutes.

On the other hand, eWallets are also a convenient option especially for players who aren’t keen on using credit cards and revealing their data online. Skrill and Neteller are among the favorite with NZ players. Deposits usually reflect instantly in a player’s casino account while withdrawals may take from 0-48 hours.

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8. How long can I expect withdrawals to take?

It all depends on your preferred payment option. Withdrawals via credit cards can take from 2 to 5 days while eWallets can take between 0-24 hours on an average. Bank transfers are usually processed and completed in 3 to 7 days. Remember, charges may apply in some cases depending on the casino’s withdrawal policy.

However, withdrawing funds from an online casino is easy process. You need to withdraw via the same method used for making a deposit. However, if the option is not available for withdrawals then the casino will allow you to cash out via check or an alternative method such as a bank transfer or eWallet. To initiate a withdrawal, go to the ‘Banking’ or ‘Cashier’ section of the casino and follow the simple online instructions applicable to your chosen payment method.

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9. Do online casinos offer play in NZD?

Yes. The top online casinos for New Zealand players we have reviewed on this page all accept NZD. Players can typically deposit and withdraw in NZD, play in that currency, and see their transaction history in New Zealand dollars on these sites. Playing at a site that accepts kiwis means no exchanging currency, which often has fees associated with it.