Paying In and Withdrawing: Debit Cards, Revolut and ID Checks

Methods in euro

Every bookmaker in this atlas holds a GRAI remote betting licence, and debit cards appear on every payment list we could read. Beyond that, the lists differ. This guide sets out what the 8 bookmakers in the atlas say about paying in and withdrawing, what Irish law already requires of them, and the checks that sit between a withdrawal request and the money reaching your account. Register checked 4 October 2026.

Rivoatlas is not a bookmaker and does not hold a gambling licence. It takes no deposits, holds no balances and processes no withdrawals. Everything below about a named bookmaker is as stated by that bookmaker on its own pages; where we could not find a statement, we say “we could not confirm”.

The methods you will see in a cashier

• Debit cards. Visa Debit, Mastercard Debit and Maestro. The most common method in the atlas. Some bookmakers route card withdrawals through Visa Direct or Mastercard Send, which are card-network services for returning a withdrawal to a debit card.
• Apple Pay and Google Pay. A wallet on your phone that uses a debit card stored in it. The card underneath still has to be a debit card.
• Pay by Bank, also called Open Banking. You approve the payment in your own bank’s app and the money moves as a euro bank transfer. Kwiff describes its version as Pay by Bank (SEPA).
• PayPal. An e-wallet linked to a bank account or debit card.
• Bank transfer. A standard transfer to or from your Irish IBAN; allow for bank working days.
• Skrill and Neteller. E-wallets that hold a balance of their own; they appear on fewer lists in the atlas (BOYLE Sports and Betmaster).
• paysafecard. A prepaid voucher. Where a bookmaker accepts it, it is normally for deposits only, so the withdrawal has to go somewhere else.

What the bookmakers in the atlas list

7 of the 8 bookmakers publish a list of methods on open pages. The table shows what each lists; a dash means the method is not on the operator’s list, not that it is refused.

For Unibet, the payment methods are shown only inside the cashier after you log in, and we could not confirm the list from the public pages. We leave those rows out of the table rather than guess.

PayPal appears on the lists of BOYLE Sports, Ladbrokes and Coral. Apple Pay appears for BOYLE Sports, Paddy Power, Ladbrokes, Coral, Betmaster and QuinnBet, Google Pay for BOYLE Sports, Ladbrokes, Coral, Betmaster and Kwiff, and Pay by Bank or Open Banking for Paddy Power, Ladbrokes, Coral, Kwiff and QuinnBet. Lists change; the cashier after login is the final word.

Revolut

Revolut is one of the most common payment questions from Irish bettors, but it is not a separate named method on the payment lists we read. A Revolut card is used as the card type it is, and a Revolut account can be used with Pay by Bank where the bookmaker supports it. The rule that matters is the card type, covered in the next section: a debit card is accepted, a credit card is not, whichever bank issued it.

One bookmaker in the atlas names Revolut directly. Paddy Power’s help page on instant bank transfers treats a Revolut account as the one bank where a Pay by Bank withdrawal arrives as an instant transfer; for other banks it states that money is “typically received within 2 - 6 hours”. That is the operator’s own statement, read on 3 October 2026, not a measurement of ours.

Currency

Two brands in the atlas, Ladbrokes and Coral, serve Irish customers from a shared UK and Ireland site. When we opened their sports pages from an Irish IP address on 3 and 4 October 2026, amounts on those pages were shown in sterling. We could not confirm the currency an Irish account is held in. Check the account currency at sign-up and in the cashier before your first deposit: if a payment is converted, your bank may charge a currency fee that the bookmaker does not show.

Why credit cards are not accepted

A GRAI licensee may not accept a credit card or offer you credit. Section 165 of the Gambling Regulation Act 2024 was commenced on 5 February 2026 by S.I. 31/2026, and when remote betting licences began on 1 July 2026, GRAI listed “a ban on facilitating credit or accepting credit cards” among the obligations of every licensee (GRAI announcement, 30 June 2026).

What the ban covers

• Deposits by credit card, whether typed in directly or stored in Apple Pay or Google Pay.
• Withdrawals to a credit card.
• Any arrangement where the bookmaker itself lends you money or lets you place bets on credit and settle up later.

The rule turns on the type of card, not the bank. A debit card from AIB, Bank of Ireland, PTSB or Revolut is treated the same way, and a credit card from any of them is refused.

What the bookmakers in the atlas say

• Paddy Power’s terms (8.15) say that, for customers in the Republic of Ireland, “Credit cards are not accepted as a form of deposit or withdrawal payment”.
• BOYLE Sports’ terms (10.1.5–10.1.6) and its help centre state that credit cards are not accepted.
• Ladbrokes’ Irish terms (9.5) prohibit credit cards.
• Coral’s payment help pages state that credit cards are not accepted for UK and Irish customers.
• Kwiff’s Irish help centre states that credit cards are not accepted.

Some cashiers still carry a combined label such as “Debit/Credit Card”, a leftover from sites that also serve other countries. The label does not change the law: for an Irish account, only the debit part applies. If a credit card goes through by mistake, contact the bookmaker’s customer services in writing and keep a copy.

The ban is a legal obligation on every GRAI licensee, not a feature of one brand, so the atlas does not present it as an advantage of any bookmaker.

Identity checks (KYC)

“KYC” stands for know your customer: the checks a bookmaker runs to confirm who you are, how old you are and where you live. For a GRAI licensee they are not optional. Under section 169 of the Act and the identity and age verification regulations (S.I. 315/2026), a remote account can be opened only for a person aged 18 or over, after identity and age are verified. GRAI puts it plainly: “A person must be aged 18 or over to be able to apply to open an account”.

Two stages of checking

1. At sign-up. Checks at this stage are often electronic, run against your name, date of birth and address. Paddy Power, for example, states that age is checked electronically when you register.
2. Later, often before a withdrawal. If the electronic check is not enough, or when you withdraw for the first time or a larger amount, the bookmaker can ask for documents. Paddy Power states that documents can be requested at any time.

What you may be asked for

• Photo ID: a passport or a driving licence.
• Proof of address: a recent utility bill or bank statement; QuinnBet asks for one from the last three months.
• Proof of the payment method: a photo of the card or a bank statement showing the account the money came from.
• A selfie to match your face to the photo ID; BOYLE Sports lists this among the documents it may ask for.

What each bookmaker says

Handling your documents safely

• Upload documents only through the bookmaker’s logged-in account page or its official app, not by replying to an email you did not expect.
• Follow the operator’s own instructions on which card digits to show and which to cover.
• Check that you are on the real site: look up the operator’s company on the GRAI register and compare it with the footer. Our guide How to check a bookmaker’s GRAI licence explains the steps.
• Verify early. Sending documents before your first withdrawal, rather than at the moment you want your money, removes the most common reason for a wait.

How a withdrawal works

Every withdrawal at a bookmaker in the atlas follows the same four steps. The names differ from site to site; the order does not.

1. Verify. Your identity checks must be complete. Without them, most operators will not release money at all.
2. Request. You choose Withdraw in the account, pick the method and enter the amount. Most bookmakers return the withdrawal to the method you deposited with.
3. Review. The bookmaker processes the request. This is where checks, holds and the operator’s own processing time apply.
4. Payment. The money leaves the bookmaker and travels through the card network, bank or wallet. Bank processing time is added on top of the operator’s.

The same-method rule

Bookmakers usually return money to the method you paid in with, sometimes called the closed-loop or net deposit rule. Paddy Power refers to a net deposit rule, Ladbrokes states that a withdrawal may be split across the methods you deposited with, and Kwiff and BOYLE Sports send withdrawals to the deposit method. In practice: if you deposited by card, expect at least the deposited amount to go back to that card before anything goes elsewhere. If you have since closed or replaced the card, tell customer services before you request the withdrawal.

Times stated by each bookmaker

The table repeats what each bookmaker says about the request, review and payment steps. These are operator statements with their own conditions, not times we measured. They depend on the method, the time of day, bank working days and whether extra checks are triggered.

Where a cell says we could not confirm, the bookmaker did not publish a time for Ireland on the pages we read. Atlas data checked 4 October 2026.

Limits and fees

Three kinds of limit affect your money: the operator’s minimum and maximum per transaction, the operator’s fees, and the limits you set yourself. The first two are set by the bookmaker and can change; the third is yours.

Minimums, maximums and fees

None of the bookmakers in the atlas states a fee on a standard debit card withdrawal on the pages we read. That does not cover your own bank: a currency conversion or an international transfer can still cost you money at your end.

Deposit limits you set yourself

Section 164 of the Act, commenced on 5 February 2026, deals with spending limits on remote accounts, and every bookmaker in the atlas offers a deposit limit. The detail that matters is how soon a change takes effect: Coral, for example, applies a decrease at once and an increase only after 24 hours. Set a deposit limit before you start, at a level you would be comfortable losing, because betting costs money and most bets lose. Our page Responsible gambling covers time-outs and self-exclusion as well.

Method by method at the bookmakers in the atlas

This section reads the table from the other direction: for each method, what to expect when you pay in and take money out.

Debit card

Listed by BOYLE Sports, Paddy Power, Ladbrokes, Coral, Betmaster, Kwiff and QuinnBet. Deposits are usually credited at once. Withdrawals go back to the same card; the time depends on whether the card supports a push payment (Visa Direct or Mastercard Send) or a standard refund, which can take several working days. Paddy Power, for example, states 1–4 hours or 2–5 working days depending on the card.

Apple Pay and Google Pay

Apple Pay is listed by BOYLE Sports, Paddy Power, Ladbrokes, Coral, Betmaster and QuinnBet; Google Pay by BOYLE Sports, Ladbrokes, Coral, Betmaster and Kwiff. The wallet is a way of presenting a card, so a withdrawal may be routed to the debit card held in it. Check the cashier for where a withdrawal from a wallet deposit will go.

Pay by Bank and Open Banking

Listed by Paddy Power, Ladbrokes, Coral, Kwiff and QuinnBet. You approve the deposit in your banking app; withdrawals go back to the same bank account. Kwiff states that SEPA transfers made without the instant payment option take 1–2 working days. Pay by Bank keeps card details out of the bookmaker’s cashier, which some people prefer.

PayPal

Listed by BOYLE Sports, Ladbrokes and Coral. Use a PayPal account in your own name: identity checks can cover the payment method as well as you. If you deposit by PayPal, expect the withdrawal to go back to PayPal under the same-method rule.

Bank transfer

Listed by BOYLE Sports, Ladbrokes, Coral and Betmaster. Useful for larger sums. Ladbrokes and Coral state no fee on withdrawals to a bank account (terms 9.9). Allow for bank working days.

paysafecard

Listed by BOYLE Sports, Ladbrokes, Coral, Betmaster and Kwiff. Kwiff states it accepts paysafecard for deposits only. Because a voucher cannot receive money, you will need a second, withdrawable method on the account, verified in your name, before you can take anything out.

When a withdrawal is held

A withdrawal that stays in “pending” or “processing” is almost always waiting on one of a short list of things. The bookmakers’ terms describe them in similar ways.

The common reasons

• Verification is not complete. The single most common reason. The operator asks for a document and the request waits until it is checked.
• The deposit has not cleared. Money that has not yet settled with the bank cannot be withdrawn.
• The method does not match. A request to a method you never deposited with can be returned or split under the same-method rule.
• An extra review. A larger amount, a change of details or an unusual pattern can trigger a manual check.
• An open investigation or dispute on the account.

What each bookmaker states

• BOYLE Sports. A withdrawal may be split across the methods you deposited with; withdrawals above €50,000 in a day go through customer services, as stated by BOYLE Sports.
• Paddy Power. After a first Pay by Bank deposit, withdrawals are unavailable for up to 24 hours, as stated by Paddy Power.
• Ladbrokes. The real-money balance can be withdrawn once deposits have cleared, verification checks are complete and no investigation is open (terms 9.7); a withdrawal may be split across your deposit methods (terms 9.12).
• Coral. The same structure as Ladbrokes (Coral’s Irish terms 9.7–9.12): cleared funds, completed verification and no open investigation; Irish verification can take up to 24 hours, as stated by Coral.
• Unibet. Unibet may ask for documents and hold a withdrawal until its checks are complete (terms 5.2); payouts over €2,000 follow identity, age and address checks.
• Kwiff. Only a verified balance can be withdrawn (terms 12.1–12.4); where extra checks are needed, Kwiff states a target of up to 24 hours. A request can be cancelled while it shows as Pending.
• QuinnBet. A withdrawal cannot be cancelled once it has been requested, as stated by QuinnBet.

What to do if a withdrawal is held

1. Read the message in your account or email: it usually names the missing document or step.
2. Send what is asked through the logged-in upload page, and note the date and time.
3. Ask customer services, in writing, what is outstanding and when they expect to finish. Keep a copy of every reply.
4. If the answer does not resolve it, use the bookmaker’s complaints procedure, then the dispute service named in its terms. Our guide Complaints about a bookmaker sets out the routes, including what GRAI does and does not handle.

A held withdrawal is not a reason to deposit more or to keep betting the balance. If you notice you are doing either, the help lines at the end of this guide are free and confidential.

Before your first deposit: a checklist

1. Confirm the licence: find the company in the footer and check the GRAI register for its remote betting licence number.
2. Read the payment section of the Irish terms, not the UK version. Ladbrokes and Coral, for example, have separate “General – Ireland” terms.
3. Pick the method you also want to be paid back to, because withdrawals follow deposits.
4. Use a debit card, Pay by Bank or a wallet linked to a debit card; a credit card will be refused.
5. Upload your documents before you need a withdrawal.
6. Check the account currency and any minimum withdrawal.
7. Set a deposit limit before you start.

Our operator files collect these details for each bookmaker in the atlas, with the source and date of each fact, and the methodology explains how payment terms feed into the 0–10 atlas score (15% weight).

Blocking gambling payments and getting help

Banks in Ireland let you block gambling transactions on your own cards. GRAI lists the options on its protection tools page:

• AIB: 0818 227 056
• Bank of Ireland: 1818 200 423
• EBS: 0818 300 107
• PTSB: in the app, or 0818 818 721
• Revolut: in the app, under Profile > Security > Payments > Gambling Block

Blocking software such as Gamban and BetBlocker, and self-exclusion with each bookmaker, add further layers. Ireland’s National Gambling Exclusion Register is provided for in the Act but is not yet operating.

If gambling is affecting your money or your mood, free help is available in Ireland:

• GamblingCare National Helpline: 1800 936 725, 24 hours a day
• HSE Drugs & Alcohol Helpline: 1800 459 459, Monday to Friday, 9:30 to 17:30
• Extern Problem Gambling: 089 241 5401
• Gamblers Anonymous Ireland: 01 872 1133 (Dublin)
• MABS, the Money Advice and Budgeting Service, for help with debt: 0818 07 2000

The full list is on GRAI’s Get Help page.