Not only are they accepted almost everywhere in day-to-day life, pretty much every online casino or online bingo site on the internet will accept debit or credit cards. They are the most common way to deposit at bingo and casino sites, as virtually everyone over the age of 18 will own at least one card, and almost every other way of depositing (PayPal, Paysafecard, Skrill etc) will need you to initially deposit funds into your e-wallet using a debit or credit card.
A credit card is a payment card which allows the cardholder to pay for goods or services based on the cardholder's promise to the card issuer that they will repay the balance in full, plus other charges or fees.
Debit cards are similar, but the money is not borrowed from the card issuer but comes straight from the cardholder's bank account. There are generally no fees issued with the use of debit cards, but if the user pays for an item or service that costs more than the amount in their bank account - and runs over the agreed overdraft with their bank - they will be liable for charges.
The first credit card was introduced in 1958 by the Bank of America, and dubbed with the imaginative title "the BankAmericard". Oddly, the first debit card didn't come about until quite a while later - it took until the late 1970s for debit cards to appear, and these were more limited than they are today, as they were primarily used for checking or withdrawing cash at an ATM, instead of paying for items in shops. But by the 80s, they had become more widespread, and today it's uncommon to find anyone in the UK without one.
The Mastercard was introduced by several Californian banks as a direct competitor to the BankAmericard, which later changed its name to Visa. Now, these two brands dominate credit and debit card use, with their instantly recognisable logos and their widespread popularity everywhere from brick-and-mortar shops to online casinos and bingo sites.
Credit and Debit Cards and Bingo Sites
Virtually every online casino and online bingo site accepts credit or debit cards - if they don't, they're likely to be a bit of a dodgy site! They're generally the preferred method of payment for many players and the sites themselves, as they're so ubiquitous and easy to use. However, there are some small differences you may find between using a credit card and a debit card at some sites.
Debit cards don't usually incur charges - it's very rare that they do, and so this makes them especially great for making small deposits. However, credit cards will sometimes incur charges when you try to make a deposit, so you could end up spending more than you bargained for. You may also find that some bingo and casino sites will not let you withdraw money to a credit card, so you'll need to withdraw using a different payment method.
Visa uses a system called Verified by Visa for online transactions to help keep your money and details safe. Once you've signed up, you'll be protected whenever you make an online payment with your Visa card at any one of more than 300,000 web sites across Europe. First you'll see a personal message – a message that you provided when you signed up for Verified by Visa and that only you and your bank know about. This shows that the security screen you're seeing is genuine. Then you'll be asked to enter your Verified by Visa password. These steps help to ensure that it's really you who is making a deposit and using your card.
Mastercard also offers certain protections for customers. The bank or credit union that issued your Mastercard won't hold you responsible for unauthorised transactions. Zero Liability applies to transactions made in-store, over the telephone or online. They also offer 24/7 customer service that you can contact with any queries or concerns.
How To Sign Up for Debit and Credit Cards
If you're over the age of 18 (and you should be if you're looking to play at an online bingo or online casino site!) it's most likely that you already own one of these cards, so you can start depositing and playing straight away. If you don't, you'll need to apply for a card from your bank, usually by going to a physical location of the bank and meeting with a staff member, or by contacting the bank via phone or online. If you've already set up a current account with your bank, you should automatically have a debit card - you can't withdraw money from ATMs without them! - but you can always call up your bank and request a replacement or new card if you've misplaced your old one, or it's expired. Different banks have different processes and requirements for applying for debit and credit cards, so the best thing to do is to visit the website of your bank or pop in one day to chat with an advisor about getting one.
Advantages and Disadvantages of Credit and Debit Cards
Advantages of Debit Cards:
- Really easy to attain - you probably already have one! If not, it's a simple matter of setting up a current account with your bank and you'll receive one automatically.
- Virtually every legal and registered online bingo and online casino site in the UK accepts debit cards for both deposits and withdrawals.
- Cards such as Visa Debit Cards offer an additional layer of security with Verified by Visa.
- You can't spend money you don't have - you don't need to worry about getting into heaps of debt with a debit card, as you're spending your own money and not borrowing it (unless you spend more money than you've actually got and go into your overdraft!)
- No fees.
Disadvantages of debit cards:
- It's a bit slow and awkward to deposit with debit cards at online casino or online bingo sites as you need to type out the long card number and security code in order to make a transaction. If you don't have the card to hand, this can be irritating.
- The bingo or casino site gets your bank details when you use these cards, so if in the unlikely event the site is hacked, your money could be at risk.
Advantages of credit cards:
- Most people already have one - if not you can simply contact your bank and make arrangements with them to get one.
- Most credit card providers offer extra customer protection - more so than with debit cards. You can also make fraud claims to the bank before you ever have to pay any money - so if your details are stolen, it's easier to get charges reversed.
Disadvantages of credit cards:
- Often, bingo sites and casino sites will issue fees for users who use credit cards for transactions.
- It's a bit slow and awkward to deposit with credit cards at online casino or online bingo sites as you need to type out the long card number and security code in order to make a transaction. If you don't have the card to hand, this can be irritating.
- If you spend too much, you could easily end up in debt - which can have a negative effect on your credit rating!
- Some online bingo and online casino sites do not allow customers to withdraw money to a credit card.
Credit and Debit Cards Vs Other Brands
Credit and debit cards have one simple advantage over every other payment method available on online casino and online bingo sites - they are accepted basically everywhere. However, they lack the protection offered by systems such as PayPal, Paysafecard and Neteller, as they require you to enter your details into the casino or bingo site, as opposed to e-wallets, which let you keep your bank information separate from the casino and bingo sites. They're also a bit slower to use as you have to enter your card details when you deposit for the first time (although the site may store your details so subsequent deposits are much quicker) rather than just entering your Skrill or Neteller username and password and logging in instantly.
Credit and Debit Cards Usability and Registration
You don't need to login to any external accounts when depositing at your favourite online bingo site with a credit or debit card - all you need is your card details, which you input directly into the site. If you've ever bought anything online before, this should be an instantly familiar process - just enter your card details and away you go. You don't need to login to another account or enter more passwords or usernames - just have your debit or credit card to hand and that's all you need. You don't need to register for any other accounts or sites besides the casino or bingo site that you want to play at - however, you'll need to register at your bank for a card if you don't already have one!
Credit and Debit Card Withdrawals
Withdrawal times vary from site to site, but generally debit cards are one of the fastest ways to get your money from a bingo site - around 3 days is normal, though there are sites that are as fast as 1 day, or take as long as a week to process your money. You will generally not be allowed to withdraw money to a credit card, even if you deposited using one, so make sure you have another payment method handy if you win any money.
There are usually no additional fees for withdrawing using a debit card - the bingo site or casino site itself may charge a fee (although it technically shouldn't, as credit and debit card charges were supposed to be banned in the UK in 2017), but your bank shouldn't. This differs to payment methods such as PayPal or Skrill, as you will usually be charged a fee to withdraw from the bingo site, and then you will be charged ANOTHER fee in order to withdraw from the Skrill or PayPal account. Therefore, debit cards are generally the best way to get your hands on your winnings - they're fast and usually the cheapest way.
Credit and debit cards on Mobile and Tablet
There's not much to say about using credit and debit cards on mobile and tablet devices - it's pretty much the same as on desktop! You'll still need to enter your card number and security code into the bingo site registration form, and you don't need to log in to any external sites. However, some devices allow you to take a picture of your card, and will then strip the numbers from the image to input into the form, which will save you typing them out - a definite time saver! You can also download apps that will let you save various card details straight to your phone which you can copy and paste easily into the form, so this might help you out if you have multiple credit or debit cards that you can use.
Credit Card and Debit Card Final Thoughts
Credit and debit cards are definitely one of the best ways to deposit funds at bingo and casino sites, as they're so ubiquitous and pretty much every legitimate and registered UK bingo site and UK casino site will accept them! However, we'd say debit cards are a bit better than credit cards for general use on these sites, as debit cards don't attract fees, and you can easily withdraw to them - credit card transactions tend to be slapped with additional fees and many sites won't let you withdraw to them. With the lack of fees and ease of use, we'd say that debit cards are the way to go - although if you're nervous about entering your bank details into a casino or bingo site, you would probably be better off using an e-wallet system such as PayPal, Skrill or Neteller.
We'd rate debit cards as 9/10.
We'd rate credit cards as 7/10.