The cashier is where a casino earns or loses trust, because a slow or awkward withdrawal undoes everything the lobby does well. This guide covers every deposit and withdrawal method on offer, how long each one takes, which currencies you can hold, the limits that apply and the identity checks you will need to pass before your first payout. All figures were checked in November 2026. Payments here are not covered by UK Gambling Commission rules, as the operator holds an Anjouan licence, so it pays to know the process before you deposit.
The Cashier at CaratLuck Casino
Deposits and withdrawals are handled from one cashier, reached from the balance button at the top of the lobby. The same cashier and balance serve the casino, the live casino and the sportsbook, so there is no transferring money between products. You pick a method, enter an amount and, for deposits, choose whether to opt in to a bonus at that step.
Withdrawals go through two stages. First, the request sits as pending while the operator approves it, which takes up to 24 hours. Then the payment is sent, and the time it takes to arrive depends on the method. The casino does not charge deposit or withdrawal fees, although crypto network fees and any charges from your own bank or e-wallet still apply.
A first deposit at CaratLuck takes a couple of minutes. Open the cashier, choose a method, type the amount (at least £20), tick the bonus box if you want the welcome offer, and confirm in your bank, e-wallet or crypto wallet. Card, e-wallet and crypto deposits show in your balance straight away; bank transfers can take up to 24 hours to be credited. If a deposit does not appear, the 24/7 live chat can trace it, and the average first reply comes in under 2 minutes.
Supported Payment Methods
CaratLuck accepts a mix of cards, e-wallets, a prepaid voucher, bank transfer and five cryptocurrencies. As a general rule, withdrawals return to the method you used to deposit where that method supports payouts.
Fiat
| Method | Deposit | Withdrawal |
|---|---|---|
| Visa (debit & credit) | Instant | 1–3 days |
| Mastercard (debit & credit) | Instant | 1–3 days |
| Skrill | Instant | Up to 24h |
| Neteller | Instant | Up to 24h |
| MiFinity | Instant | Up to 24h |
| Revolut | Instant | Up to 24h |
| paysafecard | Instant | Deposit only |
| Bank transfer | Up to 24h | 3–5 days |
Withdrawal times are counted after the approval stage. Credit cards are accepted here, which is not the case at UKGC-licensed casinos; using borrowed money to gamble is a risk worth avoiding, and debit cards or e-wallets are the more sensible choice. paysafecard is deposit-only, so you will need a second method, such as an e-wallet or bank transfer, to withdraw.
Crypto
| Coin | Deposit | Withdrawal |
|---|---|---|
| Bitcoin (BTC) | Instant (1 confirmation) | Under 1h |
| Ethereum (ETH) | Instant | Under 1h |
| USDT (ERC20 & TRC20) | Instant | Under 1h |
| USDC | Instant | Under 1h |
| Litecoin (LTC) | Instant | Under 1h |
Crypto is the fastest route out of the cashier. Always double-check the network before sending: USDT can be sent on ERC20 or TRC20, and sending on the wrong network can mean lost funds. Network fees vary with blockchain traffic and are paid by the sender, not the casino.
Currency Options
The CaratLuck cashier supports ten account currencies: five fiat (GBP, EUR, USD, CAD and NZD) and five crypto (BTC, ETH, LTC, USDT and USDC). UK players should open a GBP account. Bonus caps, limits and wagering are all set in pounds, and a sterling account avoids conversion fees from your bank on every deposit and withdrawal. Check the currency selected at registration before your first deposit, since every balance, bonus and limit is then shown in that currency.
Withdrawal Speed
The total time to receive a payout is the approval window plus the method’s transfer time. Approval takes up to 24 hours. After that, crypto usually arrives in under an hour and e-wallets (Skrill, Neteller, MiFinity and Revolut) within 24 hours. Visa and Mastercard take 1–3 days, and bank transfers 3–5 days. To put it in a worked timeline: request £500 to Skrill on a Monday evening, and approval could take until Tuesday evening, with the money in your Skrill account by Wednesday evening at the latest. The same £500 by Bitcoin could be with you shortly after approval, while a Visa payout could stretch to Friday. CaratLuck does not offer instant approval, so the 24-hour pending window is part of every estimate.
In practice, an e-wallet withdrawal can land within a day of the request, while a bank transfer requested on a Friday may not arrive until the middle of the following week.
Your first withdrawal takes longer if your account has not yet been verified, so complete KYC early. VIP status also helps: Topaz members and above get priority withdrawals, and Diamond members get same-day withdrawals up to £25,000.
Fund your account and claim the 300% welcome bonus. New players only. 18+. T&Cs apply.
Withdrawal Limits
The minimum withdrawal is £20. Maximum limits are set at three levels:
| Period | Limit |
|---|---|
| Per day | £5,000 |
| Per week | £15,000 |
| Per month | £40,000 |
Ruby and Diamond VIP members have higher limits. If you win a large amount, expect it to be paid in instalments within these caps rather than as a single transfer. Bonus winnings must also clear wagering before they can be withdrawn, and the maximum conversion from welcome free spins is £100; the details are on our bonuses page.
Deposit Limits and Responsible Tools
The minimum deposit is £20, which is also the qualifying amount for the welcome offer. You can set your own daily, weekly or monthly deposit limits in the account settings, alongside loss limits, session reminders, time-outs and self-exclusion from 6 months to 5 years. Set limits before your first deposit rather than after a losing session.
Because CaratLuck Casino is not licensed by the UK Gambling Commission, it is not part of GAMSTOP and UKGC protections, including the IBAS dispute service, do not apply. If you have self-excluded with GAMSTOP, please respect that and do not play. Gamban blocks gambling sites on your devices, and most UK banking apps let you block gambling payments on your card. For free, confidential help, visit BeGambleAware or call the National Gambling Helpline on 0808 8020 133, available 24/7.
KYC Verification
Before your first withdrawal, the operator asks you to verify your identity. You will need a photo ID, such as a passport or driving licence, and a proof of address, such as a recent utility bill or bank statement showing your name and address. Upload clear, uncropped images from the account area. Verification usually takes 24–48 hours.
Payment method checks may also be requested, for example a card photo with the middle digits covered, or a screenshot of your e-wallet account. Make sure your registration details match your documents exactly; mismatched names or addresses are the most common cause of delayed payouts. CaratLuck may also repeat checks later, for example after a large win or a change of payment method, so keep your documents to hand. If verification stalls, an email ticket usually gets a reply within 12 hours, and live chat can tell you which document is still outstanding.
Account Security
The site uses TLS 1.3 encryption for all traffic between your browser and the cashier. Two-factor authentication is optional, and we recommend turning it on from the security settings, as it stops anyone with only your password from requesting a withdrawal. Use a unique password, and never share login codes with anyone claiming to be support. If you add a new withdrawal method, expect it to be checked before the first payout to it; that friction protects you as much as the operator. The licence itself can be checked on the Anjouan register; our licence check walks through how to confirm it.
What’s Next
With the cashier sorted, see how the welcome match and weekly offers work on the bonuses page, or browse the slots guide for the games that count fully toward wagering. If betting is your interest, the sports betting guide covers markets and the free bet offer. For the full verdict, return to our review.
