Identifying the best payout online casino in the UK makes perfect sense.
Why play elsewhere when you can find regulated and reputable sites that offer games with high potential returns alongside fair terms and conditions?
Top 10 best payout online casinos in the UK
Here, Smashing Life explains what to look for in the best online casinos that payout. We explain payout rates and help you identify casinos that pay out fairly and quickly.
We also reveal the best slots and table games to play if you prioritise long-term returns when considering which site to sign up for.
What are payout rates and why do they matter?
Every online casino game that you play offers a random chance of winning. Whether you play a slot, table game, or live dealer title, you can win or lose each time you place a bet.
But every game offers unique payout potential, influenced by its house edge. In the industry, a game’s potential return is known as its return to player percentage (RTP).
RTP indicates how much, over the course of millions of spins, a casino game is likely to pay out, based on its in-built mathematical model.
The higher the RTP, the better it is for you, the player. This is because games with higher RTPs have lower house edges.
Editor’s View: A slot game with a theoretical RTP of 95% has a house edge of 5%. Theoretically, for every £100 wagered on this game, £5 will be retained by the casino, and £95 will be paid out as winnings. The RTP figure is an average over millions of spins. So, don’t assume that, if you bet £100 on this slot game, you would be guaranteed £95 back.
Understanding RTP Variance Between Games
So, while you have a random and fair chance of winning each time you play a game at a legitimate online casino, some games offer better long-term returns than others.
Generally, random-number generator (RNG) table games like blackjack and baccarat have the highest RTPs. Often, these games have RTPs in the 98% to 99% range.
Video poker is another game with a typically high RTP, with many titles offering 98% or higher.
Online slots, as the most popular games at online casinos, have an average RTP of 96%, but there’s huge variance from one studio to another. You can see slots with RTPs ranging from 88% to 98%, giving you the best online casino payout.
The lowest RTP games at online casinos are often scratch cards, which often fall below 85%. Some progressive jackpot slots also have RTPs lower than 90%, given their high max payouts.
If you want to play exclusively high RTP casino games, use the table below to guide you:
| Casino game type | Typical RTP range |
| RNG Blackjack | 98-99% |
| RNG Baccarat | 98-99% |
| RNG Poker | 96-98% |
| Video Poker | 98-99% |
| RNG Roulette | 95-97% |
| Live Table Games | 96-98% |
| Live Game Shows | 94-97% |
| Classic and Video Slots | 94-98% |
| Jackpot Slots | 85-95% |
| Video Bingo | 90-95% |
| Instant Win Games (Crash, Mines, etc.) | 90-98% |
| Scratch Cards | 75-90% |
How we choose the best payout online casinos in the UK
When deciding which casino to play at, the theoretical RTP is one of the most crucial things to consider.
But it’s nearly impossible for customers to verify a casino’s site-wide RTP before signing up. After all, casinos are under no obligation to publish information relating to actual wagers, returns, and winnings.
So, at Smashing Life, rather than guessing what a casino’s RTP rate might be, we dive into its game lobby and check the RTP of its games.
You might be aware that casino software providers offer their games with RTP ranges. That is, operators can choose to stock the game with a low, medium, or high RTP, typically falling somewhere between 92% and 97%.
Our method is to cross-check the actual RTPs in the casino’s games against those published by the studio to determine whether the operator can genuinely be regarded as a good or high-payout online casino.
We use the industry standard 96% as the benchmark, and the casinos that we recommend in this article tend to offer games with above-average RTPs.
Our non-negotiables when recommending good payout casinos
While we use RTP as a starting point, it’s not the only thing we check before recommending the best payout casinos in the UK. Here are our other non-negotiables:
✅UKGC license: All the casinos recommended by Smashing Life are regulated by the UK Gambling Commission and fully compliant with its terms, policies, and procedures.
✅Positive player reviews: We check platforms like Trustpilot and Reddit to learn what verified players think about good payout casinos before making our recommendations.
✅Decent game variety: We give top marks to casinos that offer thousands of games from dozens of providers, with a strong offering of titles with 96% RTPs or higher.
✅Fast withdrawals: The best casinos offer payouts within 1-2 days via methods like e-wallets and instant bank transfers. Longer processing times tarnish an online casino’s reputation.
✅Solid customer support: We reserve our best ratings for casinos that offer 24/7 support via live chat and email to all customers. We test the support for ourselves to confirm it’s up to scratch.
✅Good-value bonuses: We also assess the quality of the casino’s bonuses and check that its wagering terms are fair and achievable before making any recommendations.
How to verify casino payout rates
As outlined above, it’s nigh on impossible to verify the overall site-wide payout rate at an online casino. After all, nobody is privy to the number of bets placed, payouts delivered, and winning returns on every game at a specific operator’s site.
That said, you can do the following to learn more about payout rates at online casinos:
Check the game listing
Before playing any game at an online casino, you can check its published RTP. Then, cross-reference this with the RTP published by the game studio.
The studio might advertise a game with a range of RTPs. Let’s take Hacksaw Gaming’s 2025 release, Le Zeus, as an example.
When you visit Hacksaw Gaming’s website, you’ll see that the game is available in the following configurations: 86.27%, 92.37%, 94.18%, and 96.26%.
Now, if your chosen operator offers Le Zeus with an RTP of 92.37%, it’s not as attractive as a casino that offers Le Zeus with an RTP of 96.26%.
The more games you check, the more it will become apparent whether the casino offers below or above average rates of return on its games.
You can do this for every game that you play, and if you find that the RTP is higher at another casino, it’s a good idea to play there instead.
Look for independent auditing
We also encourage you to go one step further and check whether the game studio in question is audited by a third party.
Two of the leading auditors in the online casino industry are eCogra and iTechLabs. These organisations are responsible for independently testing games and ensuring that they are fair, random, and compliant with regulatory standards.
They test that the random number generator software used in slots and other games produces genuinely random outcomes and that they haven’t been influenced in any way.
We also know that eCogra checks that the actual payout behaviour of games matches the theoretical RTP stated by the developer.
So, if you’re looking for a stamp of approval that a game’s RTP is genuine, only play games from developers that have partnered with eCogra, iTechLabs, or any other reputable third-party auditor.
Read verified user reviews
While independent casino reviews don’t necessarily confirm or refute the published RTP of a game, they can give you an idea about what to expect.
For instance, if dozens of reviewers on a platform like Trustpilot or Reddit suggest that a game seemingly never pays out, it’s a potential red flag.
The same is true when looking into independent reviews of online casinos. If many people have been stung and not received their payouts, you should look elsewhere.
Editor’s View: While I encourage you to read verified user reviews, beware of jilted players venting their frustrations after losing. It’s quite easy to identify comments written by people who have dropped a one-star review because they’ve just lost.
Look beyond the star rating. Spend a few minutes reading the comments to see what players have actually said about their recent experiences. This can help you to avoid being swayed by misleading feedback.
Trusted online casinos: what makes a casino safe?
The best online casinos that payout are trusted, safe, and secure platforms with a proven track record. But how do you identify safe casinos that pay out when they need to? Here’s a checklist to run through before signing up:
- Valid licence: Only ever play at UKGC-regulated sites. You can find the site’s regulatory details in the footer at the bottom of the homepage. Avoid offshore casinos licensed in other jurisdictions, as you have no recourse should something go wrong and your payout is delayed or withheld.
- SSL encryption: SSL encryption protects data transferred between your device and an online casino. Your details are scrambled into unreadable code, making it much more difficult for your account to be hacked. Always check that the casino employs SSL encryption by looking for the padlock in the search bar.
- Independent auditing: Verify that the game providers at the online casino are audited by eCogra or another reputable third-party auditor. This gives you the peace of mind that the games pay out as advertised.
- Reputable payment options: Consider which payment options you can use to fund your account and receive your winnings. Look for reputable options like Visa, Mastercard, PayPal, Neteller, and others, and skim their terms and conditions to ensure they’re favourable and reasonable.
- Customer support: Evaluate the level of support offered by the casino. We expect to see at least 24/7 support via live chat and email, though phone support is preferable.
Highest payout casino games in the UK
One of the main things you can control when considering your potential payouts at online casinos is which games to play.
After all, your chances of returns are higher while playing a blackjack game with a 99% RTP than when playing an online scratch card with an RTP of 80%.
So, if you’re unsure where to begin, here’s an overview of the highest payout games you’ll find at online casinos in the UK:
RNG table games
Blackjack and baccarat are among the best high-RTP table games. If you want to play high-RTP roulette, opt for European or French variants over American, as they have lower house edges. Here are some examples you can find at the best payout online casinos in the UK, including PlayUK casino:
Blackjack
- Blackjack (Gamevy) = 99.42%
- Rainbow Blackjack (Realistic) = 99.59%
- Hi Lo Blackjack (Realistic) = 99.59%
Baccarat
- Baccarat Dare2Win (Hacksaw Gaming) = 98.49%
- Mini Baccarat (Play’n GO) = 98.94%
- 3D Baccarat (1×2) = 98.94%
Roulette
- 10p Roulette (G Games) = 97.30%
- European Roulette (Gamevy) = 97.30%
- Penny Roulette (Playtech) = 97.30%
Online slots
Any RTP above 96% is considered high in the world of online slots, but some games offer exceptionally high RTPs that provide excellent long-term value. Among the highest RTP slots are the following games:
- Ugga Bugga (Playtech) = 99.07%
- Book of 99 (Relax Gaming) = 99%
- 1429 Uncharted Seas (Thunderkick) = 98.60%
Video poker
Video poker games are often among the highest RTP titles at online casinos, particularly those by GameKing. Here are the games to look for if you’re looking for low house edge options:
- GameKing Jacks or Better (99.54%)
- GameKing Bonus Poker (99.16%)
- GameKing Deuces Wild Poker (99.72%)
Games to avoid
While there are outliers in every game bracket, some online casino titles tend to have consistently low RTPs, limiting the amount you can expect to win in the long run. So, from a perspective based solely on returns, here are the games you might want to avoid:
❌Online scratch cards: Online scratch cards tend to offer the lowest RTPs at casinos, often below 80%. As fun as they are, their low RTPs make them games to avoid if you’re looking at long-term returns.
❌Progressive jackpot slots: Many players are drawn to progressive jackpot slots because of their huge win potential (often hundreds of thousands or millions of pounds). But the trade-off is that these games have much lower RTPs than standard slots, often as low as 85%.
❌Live dealer games: Live table games tend to have lower RTPs than their RNG counterparts. So, if you want to play blackjack, roulette, or baccarat, avoid playing those in the company of live dealers to ensure the house edge is as low as possible.
Bonuses, promotions and their impact on payouts
Another way to maximise your win potential at the best online casinos that payout is to make the most of the bonuses available to you.
Before registering, spend a few minutes reading through the terms and conditions attached to the welcome package, so you know what you need to do to activate the bonus cash or free spins.
Often, the casino will match your initial deposit up to a set amount (perhaps £50), and provided you meet the wagering requirements in the given timeframe, you can cash out your winnings.
After using up your welcome bonus, you can then access ongoing promotions at the casino. This might include free spins for slots and cash bonuses tied to subsequent deposits.
With bonuses, the lower the wagering requirement, the better it is for you. But you should also consider how long you have to use the bonus, how much you can potentially win (max conversion), and other key details attached to the promotion before accessing it.
Ultimately, if you frequently top up your casino balance with current promotions, you increase your bankroll and thus improve your chances of landing a payout.
Fast withdrawals and reliable payment methods
Another thing to consider when looking for the best payout online casino in the UK is transaction speed. After all, if luck is on your side and you win while playing slots, you don’t want to wait for weeks for the cash to arrive in your account.
Generally, e-wallets like Neteller, Skrill, and PayPal are the best options for fast payouts at UK casinos. Most sites process these payouts within minutes, and the funds should reflect in your e-wallet within 24-48 hours.
The main payout method to avoid is a standard bank transfer, as it can take a week or more to clear. Check the table below for fast and reliable payment methods to use at the UK’s best payout casinos:
| Payout method | Examples | Average payout speed |
| Debit Card | Visa, Mastercard | 3-5 days |
| E-wallet | PayPal, Neteller, Skrill | 1-2 days |
| Instant Bank Transfer | Trustly | 1-2 days |
| Standard Bank Transfer | All UK banks supported | 5+ days |
Responsible gambling at high payout casinos
At Smashing Life, we’re serious about responsible gambling. That’s why we only ever recommend casinos that are licensed by the UKGC and provide a suite of responsible gambling tools to help you control your expenditure.
In the context of high payout casinos, responsible gambling is about managing your expectations. While your chosen casino is known for its high RTP slots and favourable terms, there’s no guarantee that you will win. So, set your limits and only ever bet what you can afford to lose.
For support and guidance relating to responsible gambling, please visit GambleAware.
Sign up for the UK’s best payout casinos today
Ready to play high RTP casino games that offer a fair chance of winning? Trust Smashing Life to find you the best payout online casinos in the UK.
You’ll find our top list published above. Select one of our vetted and approved casinos, click the link, and register within seconds to access a decent welcome bonus to kick things off.
Please gamble responsibly.
Best payout online casinos in the UK FAQs
Can I use bonuses to boost my casino payouts?
Provided you read and understand the terms and conditions, bonuses can help boost your casino payouts. You can access a welcome bonus when you sign up, followed by ongoing promotions tied to subsequent deposits.
What’s the best payment method for good casino payouts?
This depends on your preferences. That said, if you want to receive your winnings as quickly as possible, we encourage you to use an e-wallet like PayPal, Neteller, or Skrill to access your casino winnings. Most casinos process e-wallet payouts instantly, meaning the funds should reflect in your account within 24-48 hours.
Which games should I play for good long-term payouts?
Any casino game with a return to player percentage above 96% is a decent choice if you’re looking for decent payouts in the long run. Blackjack is a great starting point, as many RNG-based blackjack games have RTPs of 98% or higher.
Can a casino refuse to pay my winnings?
Legitimate and reputable online casinos that are regulated by the UK Gambling Commission should not refuse to pay your winnings. If a UKGC site refuses to pay what you’re due, you can report them to the Commission and receive support for the duration of your claim.
Simon has held senior content leadership positions at online casinos and sportsbooks for 20+ years. He leads a team of quality writers who produced trusted and authoritative iGaming content for casinos, sportsbooks, poker and bingo sites. Simon is Managing Director of Magic Word Media.
