Casino payment methods continue to evolve as casinos look to bring in new customers, and accepting a wide range of debit cards is one of the best ways to attract users.
Some UK casinos accept Monzo as a payment method. Monzo is a well-known UK bank (licensed and regulated by the FCA), and while its debit card should work at any UKGC-licensed casino that takes debit cards, it isn’t a dedicated casino payment brand.
In this article, we’ve produced a guide to casinos that accept Monzo, for Monzo customers who want a quick, mobile-first way to deposit (and for readers who want to know which licensed casinos accept its cards for deposits and withdrawals).
We have recommended the best online casinos that accept Monzo in the UK – with all recommendations licensed by the UKGC – as well as providing additional detail on Monzo, including how to use it for deposits and withdrawals and how it compares to other payment methods when using casinos.
The best casinos that accept Monzo: Our top 3
|
Online casino |
Best for |
Welcome offer |
|---|---|---|
|
Paddy Power Games |
Biggest game library + a well-known UK brand |
60 free spins on registration + 200 more on first deposit |
|
888 Casino |
Long-standing operator with the deepest live casino range |
100% matched bonus up to £100 |
|
Midnite Casino |
Newer, mobile-first app experience |
Deposit £20, get 100 free spins |
Paddy Power Games – Best overall casino that takes Monzo
Paddy Power (UKGC licence no. 39411) is one of the best payout casinos having evolved into arguably the most established gambling brand in the UK.
PP Games offers users over 1,200 games and more than 65 live tables, as well as 100+ jackpot slots in what is a great game library, though be mindful that the game selection is smaller on mobile.
Their mobile casino app carries ratings of 4.4 (4,000+ reviews) on the App Store and 3.3 (1,750+ reviews) on Google Play, so while Apple users will be happy with the app, Android users might prefer using the desktop site.
In terms of using Monzo at Paddy Power, Mastercard debit cards are mentioned on the site, though Monzo is not mentioned by name specifically, but Monzo runs through Mastercard so your card details should be accepted via the debit card option.
Paddy Power is also a PayPal casino, which may be useful to know if you struggle to get your Monzo card accepted.
Verdict: Paddy Power Games is the best all-rounder pick among casinos that accept Monzo, especially if you want the biggest brand and library.
888 Casino – Best for live casino players
888 Casino (UKGC licence no. 39028) is the longest-running operator on this list, and also provides the top live dealer casino offering. There are over 2,000 games on offer overall, including over 100 jackpot slots and more than 300 live tables.
The casino app score well on both iOS and Android, with the App Store app carrying a rating of 4.5 (from 48,700+ reviews) and the Google Play app operating at 4.1 (30,800+ reviews) at the time of writing.
888 is also considered a fast withdrawal casino, with various alternative payment options to Monzo. It’s a casino that accepts Visa, Luxon Pay and ecoPAYZ for example.
Once again, the 888 Casino sites list ‘debit cards’ generically among accepted methods, again without naming Monzo specifically, but your Monzo debit card details should be accepted regardless.
Verdict: Overall, 888 Casino is the best casino accepting Monzo for players who want the widest live dealer range.
Midnite Casino – Top new casino that accepts Monzo
Midnite Casino (UKGC licence no. 42647) is the best option for a newer, app-first pick and a slicker mobile experience, with this new online casino offering over 1,900 games including 80+ live tables and 25+ jackpot slots.
Both apps carry the highest ratings of our three recommendations for casinos that accept Monzo, with the iOS app rated 4.7 (3,600+ reviews) and the Android app rated 4.6 (1,500+ reviews) at the time of writing.
As for alternative payment methods, if you have any difficulty using Monzo, Midnite is also casino that accepts Trustly, Apple Pay and Google Pay.
Midnite is slightly limited in terms of e-wallet options, though it remains the smartest choice for Monzo customers looking for a highly-rated casino app.
Verdict: Midnite Casino is the best option for a modern app experience with plenty of games across various types of casino gaming
What is Monzo, and how does it work at a casino?
Monzo is a UK-licensed digital bank (as opposed to a payment processor like PayPal) that was founded in 2015.
It is licensed and regulated by the Financial Conduct Authority in the UK, and currently operates with over 10 million customers.
As it is a bank, Monzo issues a Mastercard debit card that is usable anywhere debit cards are accepted, including with UKGC-licensed Mastercard casinos.
To that end, deposits and withdrawals work in the same way as they do with any debit card.
In terms of using Monzo for gambling, the bank offers a unique feature among common payment methods, with an in-app gambling block that lets a customer switch off all gambling merchant transactions instantly from their phone.
How to deposit with Monzo at a casino
In this section, we’ve provided a brief step-by-step guide on how to make a deposit when using Monzo on casinos.
Step 1: Set up and verify Monzo in the app.
Step 2: Go to the casino’s cashier/deposit page.
Step 3: Select the ‘debit card’ or ‘Mastercard’ option (there’s rarely a dedicated “Monzo” button).
Step 4: Enter the Monzo card details.
Step 5: Confirm in the Monzo app if prompted. Note deposits are effectively instant – the same as any debit card – so funds typically land instantly.
Withdrawing to Monzo
When using casinos that accept Monzo, the process for making a withdrawal is similar to that of making a deposit. Simply select the same method used to deposit and confirm the amount.
The processing time depends on the casino, and it is typically 1 to 3 business days for approval. Funds then usually reach Monzo within a few hours to one working day once released.
Is it safe to gamble with Monzo?
Yes, providing you use a regulated UK casino. Monzo itself is a well-known UK bank that is both FCA-regulated and FSCS-protected up to £85,000.
In terms of using Monzo as a deposit or withdrawal method with casinos, it is safe to use provided the casino holds a valid UKGC licence.
To that end, remember to only use Monzo on UKGC-licensed sites – you can check for the licence number in the footer of any online casino.
Monzo vs other payment methods
Overall, Monzo strikes the balance between convenience and withdrawal speeds well, and will be a better option for many than Paysafecard casinos for example, or pay by phone casinos as withdrawals are not possible by that method.
Note that withdrawal fees vary depending on the casino – for example, MogoBet operate a policy of a 1% fee on withdrawals, up to a maximum of £3.
In terms of withdrawal speed, Monzo is often quicker using PayPal or Skrill casinos, and certainly much quicker than using casino bank transfers which can take several days to land.
The table below offers a comparison between Monzo and other commonly accepted payment methods on casinos online.
|
Method |
Deposit speed |
Withdrawal speed |
Notes |
|---|---|---|---|
|
Monzo |
Instant |
1-3 business days |
Almost always valid for claiming bonuses; built-in gambling block |
|
PayPal |
Instant |
Instant – 24 hours |
Extra layer of security, card details never shared |
|
Instant |
Instant |
Regularly excluded from welcome bonuses |
|
|
Instant |
Not always supported for withdrawals |
Can be excluded from some welcome bonuses |
|
|
Instant |
Not always supported for withdrawals |
Convenient but deposit-only at most sites |
Pros and cons of gambling with Monzo
Below is a brief list of the main pros and cons to consider when using casinos with Monzo online:
Pros
- Monzo works at any casino that accepts debit cards, so there is no need for a separate e-wallet
- The debit card offers instant deposits
- The app has a built-in gambling block for responsible gambling control
- There is no dedicated Monzo deposit fees at most casinos
Cons
- Withdrawals take longer than e-wallets (not instant)
- Using Monzo as a deposit methods requires a verified Monzo account
- Monzo isn’t listed by name on most casino cashier pages, as you’re using it as a debit card
Verdict: which casino should you choose?
To summarise, the Paddy Power casino sign up offer can be used with Monzo and we consider this to be the top casino that accepts Monzo.
888 is the best Monzo casino for live dealer casino players, while Midnite is the top choice for mobile-first players looking for a quality casino app that takes Monzo.
Any casino recommended on this page is licensed by the UK Gambling Commission and we strongly advise casino players not to engage with any unregulated casinos or slot sites.
Responsible gambling
Remember to gamble responsibly at all times, including when using casinos with Monzo.
Keep in mind that online gambling is a form of entertainment, not a way to make money.
Try and set a budget from the moment you start playing, and always stick to it. Never wager more than you can afford to lose, and never chase your losses.
If you need to, incorporate the use of responsible gambling tools into your play.
The best Monzo casinos we recommend include self-assessment calculators, deposit limits, loss limits, max-bet limits, reality checks, self-exclusion (via GAMSTOP) and time-outs.
In addition, Monzo itself offers a gambling block feature that users can toggle in the app, thereby blocking all gambling merchant transactions at card level.
If you need to seek help for gambling-related issues, there are several charities and healthcare providers who can offer free, confidential support and information:
Casinos that accept Monzo: FAQs
We may earn commission from some of the links in this article, but we never allow this to influence our content. This revenue helps to fund journalism across The Independent.