When people are choosing an online casino, payout options are among the most important factors. Consider the games with the best payout percentages and the online casinos with the fastest payouts when it comes time to withdraw.
- Discover the best payout casinos
- Understand what RTP (return to player) percentage is and how to calculate it
- Learn what slots and table games have the highest payouts
Top picks for online casinos
Finding the best payout online casinos or the fastest paying casinos primarily applies to real money online casinos that are not yet legal in New York. However, New Yorkers can play casino-style games online at social and sweepstakes casinos, which are free to play and may offer the ability to win real money prizes. Here are the best options based on our team’s extensive experience and hours of testing.
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What is a casino game payout percentage?
Everyone likes to win, but we all understand that when it comes to casino games, the “house” generally has at least some edge in every game. That said, some real money games feature more of a house edge than others. Games with less of a house edge offer a higher payout percentage to players. This percentage is often described as a game’s RTP or return to player percentage.
How to find a game’s payout percentage
Some games have a particular RTP built into them thanks to the difference between your odds of winning and the payouts or pay tables the games use.
Roulette, for example, is a game that features different payouts for different kinds of bets. But in almost all cases, the payouts end up giving the house the same edge of 5.26% (for American or double-zero roulette). That’s also true of games like craps and baccarat. The odds are fixed, as are the payouts, and the difference between the two is what creates a house edge and the game’s RTP percentage.
For example, in American roulette, when you bet on red, you have a 47.37% chance of winning (18 out of 38), while the house wins 52.63% of the time (20 out of 38). If the payout for winning corresponded exactly to the odds, the house would have no edge. But the payout is 1-to-1 (even money), which means the house enjoys exactly a 5.26% edge, making the player’s RTP total 94.74%.
Meanwhile, games like blackjack, video poker and other card-based table games have fixed odds and payouts. Still, the player’s skill level can affect the house edge. More skilled players generally enjoy a better payout percentage than less skilled ones.
Slots are a little different. Their RTP is generally set in the programming. But for those, the online casino will usually display the RTP for each game along with other information about the game’s features.
Future best payout casinos
As mentioned above, New York hasn’t yet introduced legal real money online casinos. However, the state has legal online sportsbooks and appears poised to add online casinos relatively soon. Once that happens, people will have the opportunity to enjoy online roulette and online blackjack in NY for real money, in addition to other popular casino games, including online slots. When considering which sites will launch in New York, we can look to those operators of NY online sportsbooks that already have online casinos up and running in nearby New Jersey.
Here’s a quick look at five online casinos that fit those criteria. Listed below are the online casinos, the fastest payout options at each (and expected time to withdraw), plus the online casino’s most popular game and its RTP percentage.
| Online Casino | Most popular casino game ( and RTP%) | Fastest payout method | Payout Time |
|---|---|---|---|
| BetMGM Casino | MGM Grand Millions (slot) — 91.81% (or 94.81% if counting 3% progressive jackpot contribution for each losing spin) | BetMGM Play+ Prepaid Card | From immediately to 24 hours |
| BetRivers Casino | Bonanza Megaways (slot) — 96% | BetRivers Play+ Prepaid Card | Immediately |
| Caesars Casino | 88 Fortunes (slot) — 96% | Caesars Play+ Prepaid Card | From immediately to 24 hours |
| DraftKings Casino | DraftKings Baseball Blackjack (table game) — 99.5% (if played using basic blackjack strategy) | Debit Card | 24 hours |
| FanDuel Casino | Cash Eruption (slot) — 96% | FanDuel Play+ Prepaid Card | From 1 to 24 hours |
As you can see, the most popular online casino games aren’t always the ones with the highest RTP percentages. For example, MGM Grand Millions at BetMGM Casino has a relatively low RTP. But the game does have high volatility (discussed below) and affords a chance to win a huge progressive jackpot, which makes the game a favorite among players.
Understanding RTP (return to player) percentage
As described above, a casino game’s RTP or return to player percentage is essentially the opposite of the house edge. A game with a 5% house edge would have an RTP of 95%.
Online slots have a predetermined RTP percentage built into the software. That said, over a particular period of play, the actual RTP might be higher or lower than the designed RTP. Slots also each have a certain level of volatility that can affect how closely the actual RTP comes to the designed RTP. As mentioned above, sometimes a game with a low RTP might have relatively high volatility. This, in turn, can make the game more popular than it would be otherwise.
What does RTP percentage mean?
The return to player percentage is best understood as an average expected result. Also, understand that a game’s RTP percentage indicates what a player can expect to win over the long term. Don’t make the mistake of thinking RTP refers to your chance of winning the game each time you play. It refers to how much money you can expect to win while playing the game over a large sample size.
A game with a 95% RTP would let you win an average of $95 for every $100 you spend on the game. That’s a loss over the long term, but that doesn’t mean you won’t sometimes come away a winner.
Obviously, games with higher RTP percentages are more advantageous to the player than those with low RTP percentages. You can win or lose at both, but over the long term, you’re more likely to do better at games with higher RTP percentages.
What games offer the best online casino payouts?
The best casino payouts can vary depending on the specific game you are playing. It’s worth noting that online casinos are required to display the payout rates for their games, and you can typically find this information in the game rules or on the casino’s website.
Best payout slot machines
Across the different online casinos, there are certain slots known to feature especially high RTP percentages. The average slots RTP is usually around 96%, but here are some slot titles for which the RTP percentage exceeds that average:
| Game Name | RTP% | Best Casino to Play |
|---|---|---|
| Blood Suckers (NetEnt) | 98% | FanDuel Casino |
| Starmania (NextGen Gaming) | 97.87% | BetMGM Casino |
| White Rabbit Megaways | 97.72% | DraftKings Casino |
| Medusa Megaways | 97.63% | BetMGM Casino |
| Dead or Alive II | 96.82% | BetRivers Casino |
Some of these slots are available to play in New York at sweepstakes and social casinos.
Best payout table games
When it comes to table games, some feature a high RTP percentage, and some have a low one with a relatively high house edge. Here’s a table showing some of the most popular table games at online casinos and their RTP percentages:
| Table Games | RTP % | Best Casino to Play |
|---|---|---|
| Video Poker (Jacks or Better) | 99.5% (or higher) | BetMGM Casino |
| Blackjack | 98.0 to 99.5% | Caesars Casino |
| Baccarat | 98.4 to 98.8% | BetMGM Casino |
| Ultimate Texas Hold’em | 97.8% | Unibet Casino |
| European Roulette (Single-Zero) | 97.3% | Bally Casino |
| Three Card Poker | 96.6% | BetMGM Casino |
| Let It Ride | 96.5% | WynnBET Casino |
| American Roulette (Double-Zero) | 94.74% | FanDuel Casino |
| Craps | 84.0 to 99.0% | BetRivers Casino |
Note that with some of these table games, player decisions (and skill level) can greatly affect the RTP percentage. You can only really enjoy that high RTP in blackjack, for example, if you play correctly. The same goes for other games like Let It Ride. If you always bet the 3 Card Bonus (for which the house edge is double), your RTP % is necessarily going down.
In roulette, there is no skill. That said, in American Roulette, you can avoid the basket bet, which has a much lower RTP of 92.1% than all the other roulette bets. Similarly, when playing craps, if you are always betting on Yo-Leven (with an RTP of 88.9%) or Any 7 (with a dismal RTP of 83.33%), you’re much more likely to lose than if you stick with the standard pass and come line bets.
Fastest paying casinos
Online casino players are not only interested in games with high RTP percentages. When bettors win, they also want to be able to withdraw their winnings as fast as possible.
Most online casinos offer multiple ways to withdraw funds, with certain methods often being faster than others. Usually, there are more ways to deposit than to withdraw. One rule of thumb to follow is to find a favorite banking method and try to use that same method both for depositing and withdrawing. In fact, at some online casinos, you’ll find you can only withdraw using your deposit method.
Prepaid debit cards are often the fastest way to withdraw, although services like PayPal and even bank transfers can be quick as well. In states where the online casino is affiliated with a land-based partner, you can usually withdraw funds in person at the casino cage, too.
For an overview of the different online casino banking methods and tips about how to find the fastest paying casinos, check our guide to the fastest payout casinos.
Best payout online casinos overview
Different factors affect whether you will win at an online casino and how quickly you can claim those winnings. Always research online casinos before signing up. Learn about withdrawal methods and how quickly you can access your funds. Also be aware of which games tend to feature higher RTP percentages when seeking out the best payout online casinos.
