What's the fastest way to deposit at Spinago?
PayID for Australian players, or any cryptocurrency for everyone else. PayID deposits land instantly via Australia's NPP (New Payments Platform) — most banks process within 5 seconds. Crypto deposits clear in 5–30 minutes depending on the network (Litecoin is fastest after PayID, then ETH and USDT, then BTC).
What's the fastest withdrawal method?
PayID for Australian bank accounts (1–5 minutes from the moment we approve internally). Cryptocurrency is second-fastest (30–60 minutes after approval). BPAY takes 1–3 business days. Use the same method for deposit and withdrawal where possible — that speeds up internal processing because we don't have to verify a new method.
Do I have to do KYC verification?
Yes, before your first withdrawal. KYC is required by our licence and by anti-money-laundering regulations. We'll ask for: a government-issued photo ID (Australian driver's licence, passport, or proof-of-age card), a recent proof of address (utility bill or bank statement dated within 3 months), and sometimes a screenshot of the payment method you used. Most submissions clear within 24 hours. We do this once per account; subsequent withdrawals don't need re-verification.
Do you accept credit cards, e-wallets, or vouchers?
We've concentrated our payment infrastructure on what works fastest and cleanest for our players: PayID for AU bank accounts, cryptocurrency for everyone else, and POLi/BPAY as bank-direct alternatives. We don't currently accept Visa, Mastercard, Skrill, Neteller, or prepaid vouchers. If you need help finding the right method for your situation, our support team is on live chat 24/7.
Are there fees on deposits or withdrawals?
Spinago charges no fees on either deposits or withdrawals. The only costs you might see are external: cryptocurrency network fees (paid to miners or validators, not us) and possibly your bank's outgoing transfer fee on BPAY transactions. PayID and POLi are entirely fee-free, including from your bank's side at major Australian institutions.
What are the deposit and withdrawal limits?
Minimum deposit is A$10 for PayID and crypto, A$20 for POLi, A$30 for BPAY. Maximum daily deposit is A$10,000 standard, higher for verified VIP accounts. Withdrawal limits are A$10,000 per week for Bronze, A$15,000 for Silver, A$25,000 for Gold, and unlimited for Platinum and Diamond tiers. Crypto methods support the highest individual transaction sizes — useful for VIP players moving large amounts.
Can I withdraw to a different method than I deposited with?
Sometimes, but not usually. AML rules require us to return funds to their origin where possible — so if you deposited via POLi from a particular bank, we'll prefer to return funds to a PayID linked to that same bank. Once you've deposited and played enough to clear the original deposit (typical: 1× wagering), additional winnings can usually be withdrawn to a different verified method. POLi is deposit-only by design — you'll always need PayID, BPAY, or crypto for withdrawals when you originally deposited via POLi.
Is crypto safer or more anonymous than other methods?
More private, not anonymous. Cryptocurrency transactions are pseudonymous — they're tied to wallet addresses, not your name directly, but the addresses are publicly visible on the blockchain forever. Plus, you'll still need to complete KYC at Spinago regardless of whether you deposit in crypto or AUD. The privacy benefit is in the bank statement: crypto deposits don't appear as gambling transactions on your bank or card history. The speed benefit is real — crypto withdrawals are second only to PayID.
How long does Spinago take to approve a withdrawal?
Internal approval is the variable part. We approve PayID and crypto withdrawals within 10 minutes during AU business hours, and within 30 minutes outside business hours. Larger amounts (A$5,000+) take 1–4 hours of internal review. Once approved, the actual transfer time is whatever's listed in the comparison table above. KYC-verified accounts always process faster than unverified ones, which is why we recommend completing KYC before your first withdrawal request.
Why was my crypto deposit not credited?
Three common causes. (1) The transaction hasn't reached the required number of confirmations yet — BTC needs 1, ETH needs 12, give it 30 minutes. (2) You sent on the wrong network — USDT on ERC-20 won't credit if the cashier address was for TRC-20, and recovering it requires our support team. (3) The amount was below the minimum (A$10 equivalent). Open live chat with the transaction hash from your wallet, and we can usually trace and resolve within an hour.