Sports Betting Banking Options For 18+ Players

Sportsbook Banking MethodsPicking the best 18 and up online sportsbook can be a daunting task for new players, but we’ve made it easy by recommending the top legal brands in the business. Similarly, choosing the best sports betting banking option for 18+ players can be a challenge, particularly since US financial laws like the UIGEA can be an occasional hindrance with some methods.

If you want to avoid every hassle and make sure that your deposits for 18+ online sportsbooks work each and every time, our short guide details the best ways to get your account funded ASAP, so you’ll never miss out on that can’t-miss betting line. At the best online betting sites for 18 and up players, the following banking options are ready when you are, 24/7.

Best 18+ Online Sportsbooks For Instant Betting Deposits And Same-Day Payouts

Each of the following top-rated online sportsbooks operating internationally is legal to use for US bettors aged 18 and up, and they all offer a selection of banking options through their cashier pages. Nevertheless, if you have any questions about specific sports betting laws in any particular area, our guide to US sports betting states should provide all the answers.

While not every site will support every type of bet funding avenue, they each provide their members with quick, secure, safe, and legal means to get their accounts topped off immediately so they can bet on all of the day’s biggest games, anytime, anywhere. Our 18+ sportsbook reviews go into detail about current funding methods and the best features of each site below.

SportsbookBonusUSARatingVisit
Bovada Sportsbook Logo50% Bonus
Up To $1,000
5/5Visit SiteReview
Mybookie Sportsbook Logo50% Bonus
Up To $1,000
4.6/5Visit SiteReview
Betonline Sportsbook Logo50% Bonus
Up To $1,000
4.6/5Visit SiteReview
Xbet Logo50% Bonus
Up To $500
4.4/5Visit SiteReview
Sportsbetting.ag Logo50% Bonus
Up To $1,000
4.2/5Visit SiteReview
Bookmaker.eu Logo50% Bonus
Up To $500
4.1/5Visit Site

How To Deposit Into Your 18+ Sports Betting Account

Making a betting deposit at a legal online 18 and up sportsbook used to be a nuisance, to say the least. However, with the advent of cryptocurrencies and favorable international money-transfer services, you now have more options than ever to fund your online betting account.

Getting started is easy, and you can be up and running in just a few minutes, especially if you opt for Bitcoin or crypto deposits. And though the more traditional banking methods do take longer to process (2-5 days), these are also safe and reliable.

Regardless of the type of deposit you make, the bet funding procedure is the same. We’ve outlined the steps for new members at the best 18+ mobile sports betting sites, though if you’re already a member, you can easily visit your site’s deposit menu once logged in and browse the options on their cashier page.

  1. Follow any link here to your chosen online sportsbook for 18+ bettors, and tap or click the “Join” or “Sign Up” button on the page.
  2. Enter your personal information using your real name, address, email, phone number, etc. The best online sports betting sites all use leading KYC (Know Your Customer) standards to ensure your account is valid and that payouts are delivered properly. This information is encrypted, secure, and never shared with or sold to any third parties.
  3. The next page will ask you to choose a deposit method that suits your specific needs. The pros and cons of each are discussed below. We recommend Bitcoin, Litecoin, and Cardano, but there are plenty of excellent options available.
  4. Select an optional sports betting deposit bonus. Due to fair, attainable rollover requirements, we recommend accepting these bonuses whenever offered.
  5. Submit your deposit. Depending on the method chosen, your account will be funded either instantly or within 2-5 days. Please plan accordingly.

What Is The Best Banking Option For You?

US Banking optionsChoosing the best deposit method when betting online with 18 and up sportsbooks is based largely on your personal needs. However, we are of the opinion that sports bettors – more than any other online gamblers – have a specific need to get their accounts funded as quickly as possible.

While casino games and poker tournaments are available all the time, sports odds and eSports odds are extremely time-sensitive, and their betting lines change practically by the hour in the leadup to any given contest. As such, to take advantage of the most attractive lines and fastest payouts, you need to be able to get your account funded instantly.

As a result, we recommend making crypto betting deposits (Bitcoin, Bitcoin Cash, Litecoin, Ethereum, Ripple, Cardano, Chainlink, Dogecoin, USD Coin, Tether, Stellar, etc.), credit/debit deposits, using third-party services where available (i.e. Bovada MatchPay), or buying player-to-player account vouchers.

Of these choices, crypto is the best and fastest option, but crypto isn’t for everyone. All these online betting banking options are discussed in greater depth in the following sections.


Types Of Bet Funding At 18+ Online Sportsbooks

While each site offers its own unique selection of funding options, the following ways to get your account loaded up are provided by nearly all of the top-rated legal online sportsbooks for 18 and up players.

Cryptocurrency Sportsbook Deposits

Crypto CoinsAs stated, cryptocurrencies like Bitcoin are the best, fastest, and most profitable options for sports betting funding online. All the most reputable sportsbooks support Bitcoin as a matter of course, and most also support a selection of altcoins. The following crypto options are accepted at popular online sports betting sites:

The benefits of using cryptocurrency to make sports betting deposits are through the roof. You’ll get instant transfers, zero added fees, access to the most valuable enhanced sports betting bonuses, increased member rewards, and same-day payout eligibility.

In fact, crypto is the only way to claim same-day payouts at the top-rated Internet sportsbooks, and you no longer have to first deposit using crypto if you wish to withdraw in Bitcoin or altcoins!

Credit Card Sportsbook Deposits

Credit Card DepositsCredit cards (and debit cards) are the original instant deposit methods, and they’re tried and true. However, in about five percent of cases, your card will be declined due to automatic UIGEA-mandated banking bottlenecks.

A declined card does not mean you’ve done anything wrong, nor does it mean your card is suspended or otherwise unusable. It’s literally just an inconvenience that happens from time to time. Should such an event occur, you can wait a few minutes and try again, use a different card from a different issuer, or consider an alternative payment option. The cards most commonly accepted include:

  • Visa
  • Mastercard
  • American Express
  • Discover
  • Visa Gift Cards

Please note: When you use a Visa gift card, you must ensure that it is rated for international transactions, as these 18 and up sportsbooks are all located outside of the USA.

Card deposits usually have added fees of 3-9 percent, which are levied by your issuer, not your betting site. Minimal international processing fees may also be levied by your bank.

Zelle Sportsbook Deposits

18+ Zelle sports betting deposits are a US-only person-to-person (P2P) instant-pay service operated by a consortium of the biggest US banks, credit unions, and credit card companies. Chances are, if you live in the US, you’re already a Zelle member.

However, you cannot deposit directly into your 18+ betting account using Zelle, as Zelle recipients must be located in the US. What you can do with Zelle, though, is use it to immediately buy Bitcoin from private sellers on the LocalBitcoins.com exchange.

Some books will walk you through this process right on their cashier pages, but the short version is that Zelle lets you bypass the 10-day wait times associated with first-time Bitcoin purchases at online exchanges like Coinbase, so you can make BTC deposits instantly and reap all the betting bonuses and benefits thereof.

Cash App Sportsbook Deposits

If you’re a Cash App user, you can also buy Bitcoin with Cash App and avoid the waiting periods associated with major exchanges. Only CashApp allows Bitcoin to be sent off-platform. You cannot buy Bitcoin with PayPal or Venmo and then send that BTC to online sports betting sites.

In this regard, the making Bitcoin deposits with Cash App is even faster than using the Zelle-to-BTC process.

Cash App sports betting deposits and withdrawals aren’t just limited to BTC, either. At sites that support sports betting vouchers or player transfers, Cash App transactions can be used between members to top off their accounts or cash out. The third-party MatchPay service, available exclusively at Bovada Sportsbook, also works with Cash App.

Other Sportsbook Deposit Options

While the above represent are our favorite bet funding methods, there are other options available. These include the following:

Of these, bank wires have the highest added fees, while cashier’s checks take the longest to be credited to your betting account (up to five days). Money orders have small fees and take 2-3 days to clear, and player-to-player vouchers have no added fees and transactions that can be concluded in 30-60 minutes.

However, not all sites accept betting vouchers (aka player transfers), and these require the extra step of concluding a private sale before your deposit can be processed.

Still, all the above alternative payment options are reliable, safe, and guaranteed by the best online sportsbooks.


18 And Up Sports Betting Payouts

When it comes to bet funding, payouts – particularly payout fees and processing times – are the biggest deciding factors for the most users. In general, the following list shows you what each common sports betting withdrawal method brings to the table:

  • Cryptocurrency – High limits, guaranteed same-day payouts, no fees
  • Courier Checks – Low limits, 2-5 days to process, moderate fees
  • Bank Wires – High limits, 3-5 days to process, high fees
  • Money Orders – Low limits, 2-3 days to process, moderate fees
  • Vouchers – Moderate limits, occasional same-day payouts, no fees
  • MatchPay – Low limits, occasional same-day payouts, no fees

Same-Day Payouts For 18 And Over Sports Betting

We’ve already mentioned this several times, but it bears repeating: When you bet on sports online, same-day payouts are the gold standard.

Some players are fine with leaving their winnings in their accounts so they can bet on next week’s games or next month’s matchups, but many bettors wish to receive their winnings in-hand immediately.

For them, the only deposit options that make sense are those that support same-day withdrawals. These are the options for claiming same-day payouts on all your best sports bets:

  • Cryptocurrency
  • Vouchers*
  • MatchPay**

It’s crucial to remember that to receive same-day sports betting payouts from the top 18 and up online sportsbooks, cryptocurrency is the only 100% reliable method. To receive crypto payouts, you must simply request your withdrawals in crypto (regardless of the method used to deposit). In general, we recommend Bitcoin above all, but any supported altcoin will suffice.

*Because vouchers require other members to buy portions of your account balance, you won’t always get a buyer the same day you post your voucher code for sale. However, once you get a buyer, the process is immediate and allows you to receive your payouts with PayPal, Venmo, Cash App, and other P2P platforms that are not directly supported by your online sportsbook.

**MatchPay is exclusive to Bovada Sportsbook, and it works just like vouchers – with the same P2P app and eWallet support – but without the headaches of coordinating voucher code sales. MatchPay effectively automates the voucher process but comes with lower limits for deposits and withdrawals.


18+ Sports Betting Bonuses

After same-day payouts, bonuses are the biggest perks of betting on sports online. All the best operators offer a host of sports betting bonuses to choose from, each with different deposit-match percentages and free-play limits.

The best sports betting bonuses are, obviously, the biggest ones, which you’ll unlock by depositing with crypto like Bitcoin or various altcoins.

That said, all sportsbook bonus options are valuable, adding between 50% and 200% to your bankroll right out of the gate. These are the most common betting bonuses available online:

  • Welcome Bonuses – Deposit match offered to new members
  • Reload Bonuses – Deposit match offered to returning members
  • Bitcoin/Crypto Bonuses – Doubles or triples your bonus limit
  • Refer-A-Friend Bonuses – Gives you free plays for every referred player
  • Mobile Sports Betting Bonuses – Your first mobile wager is risk-free
  • Live Sports Betting Bonuses – Your first in-game bet is risk-free

Bonuses come with rollovers to be aware of. These are terms and conditions that require bettors to wager or “turn a handle” of a given amount before being eligible to claim any associated withdrawals.

Usually, the top 18 and up sportsbooks set this limit at between 5X and 10X, which means that rollover is easily and quickly attainable. We recommend always accepting these optional bonus offers.


18+ Sports Betting Membership Rewards

Finally, the manner in which you deposit can determine the number of perk points, reward points, etc. that you can earn when gambling at the best online sportsbooks.

As with bonuses, when you bet with cryptocurrency, you’ll usually accrue rewards at a higher rate. Every reputable, legal online sportsbook has membership rewards programs, and they tend to give out more and better rewards when you deposit with Bitcoin, Bitcoin Cash, Litecoin, and other supported crypto coins.

Sports betting rewards can earn you higher betting limits, increased bonus free-plays, free entry into promotional tournaments and bracket contests, waived withdrawal fees, and more.