Online Scratch Cards at UK Casinos
Of the 45 UK-licensed casinos with a review here, 22 carry scratch cards. Here a scratch card is a casino game, uncovered with a mouse or a fingertip, and it sits beside the slots and live tables: all 22 of these casinos also run a live casino.
The list compares them on deposits, withdrawals and apps as their own terms describe them. The rest of the page explains how an online scratch card is decided, why it is a different product from the cards sold in shops, and what the UK rule written with scratch games in mind allows.
22 casinos
Every figure comes from the casino's own terms. Some Visit links earn us a commission; partners are listed first and marked, and that never changes what a row says. 18+.
Licence
Malta (MGA)
MGA/B2C/370/2017
Withdrawals
No cap stated
KYC above before the first withdrawal (identity, age and place of residence verified)
1 currencies
From the termsInactive-account fee £5 a month after 12 monthsLicence
UK (UKGC)
39028
Withdrawals
No cap stated
KYC above before any gambling (name, address, date of birth)
3 currencies · 1 game studios · Pay by bank, MasterCard cards, Neteller +8
From the termsInactive-account fee £3 a month after 13 monthsLicence
UK (UKGC)
38758
Withdrawals
No cap stated
KYC above £700 single transaction or £1,400 cumulative (documents); electronic check at registration
1 currencies · 10 game studios · Apple Pay, PayPal, Mastercard +7 · 54 restricted countries
From the termsInactive-account fee £10 a month after 12 monthsLicence
UK (UKGC)
39175
Withdrawals
No cap stated
KYC above before the first withdrawal (photo ID and proof of address); source-of-funds checks when deposit thresholds are met
1 currencies · 5 game studios · MasterCard Debit, Paysafecard, PayPal +6 · 72 restricted countries
From the termsInactive-account fee £5 every 30 days a month after 12 monthsLicence
UK (UKGC)
39326
Withdrawals
set per account at registration, shown on the withdrawal page; no daily/weekly/monthly cap on the number of withdrawals per fiat withdrawal
KYC above before the first deposit or bet (automated check; ID and a utility bill if it fails)
1 currencies · 3 game studios · Online Wallets, Wire Transfer, Cards
From the termsInactive-account fee GBP 5 a month after 12 monthsTerms allow game RTP changesLicence
UK (UKGC)
39576
Withdrawals
KYC above at account opening (age, identity and address), then ongoing
1 currencies · Debit Cards
From the termsInactive-account fee £5 a month after 13 monthsLicence
UK (UKGC)
52894
Withdrawals
No cap stated
KYC above before the first withdrawal (identity, age and place of residence verified)
1 currencies · 120 game studios
From the termsInactive-account fee £5 a month after 12 monthsLicence
UK (UKGC)
38758
Withdrawals
No cap stated
KYC above £700 single transaction or £1,400 total transactions (documents); electronic ID check at registration
1 currencies · 3 game studios · Visa, Bank Transfer, Mastercard +3 · 54 restricted countries
From the termsInactive-account fee £10 a month after 12 monthsLicence
UK (UKGC)
52894
Withdrawals
No cap stated
KYC above before the first withdrawal (identity, age and place of residence)
1 currencies · 36 game studios · Neteller, Apple Pay, Skrill +8
From the termsInactive-account fee £5 a month after 12 monthsLicence
UK (UKGC)
52894
Withdrawals
No cap stated
KYC above before the first withdrawal (identity, age and place of residence verified)
1 currencies
From the termsInactive-account fee £5 a month after 12 monthsLicence
UK (UKGC)
39175
Withdrawals
No cap stated
KYC above before the first withdrawal (photo ID, proof of address, proof of payment method)
1 currencies · 7 game studios · MasterCard Debit, Maestro, Paysafecard +5 · 72 restricted countries
From the termsInactive-account fee £5 every 30 days a month after 12 monthsLicence
UK (UKGC)
38905
Withdrawals
£25,000 per card or wallet transaction; £250,000 per bank transaction per fiat withdrawal
KYC above at registration (electronic age and identity check; documents if it fails); source of funds checks on request
2 currencies · 13 game studios · Bank Account, Google Pay, Visa Debit +3
From the termsInactive accounts blocked after 30 monthsLicence
UK (UKGC)
38905
Withdrawals
£25,000 per fiat withdrawal
KYC above at registration — the account is not opened until age and identity are verified
2 currencies · 27 game studios · Visa Debit, Apple Pay, Mastercard Debit +2
Licence
UK (UKGC)
39326
Withdrawals
set per account at registration, shown on the withdrawal page per fiat withdrawal
KYC above before any deposit or gambling (automated check; ID and utility bill if it fails)
1 currencies · 8 game studios · Apple Pay, Google Pay, Wire Transfer
From the termsInactive-account fee £5 a month after 12 monthsTerms allow game RTP changesLicence
UK (UKGC)
39108
Withdrawals
No cap stated
KYC above before the first deposit (name, home address and date of birth)
Deposit wagering
1×
3 currencies · 17 game studios · Neteller, Skrill, Mastercard Debit +11 · 8 restricted countries
From the termsInactive accounts blocked after 84 monthsLicence
UK (UKGC)
38758
Withdrawals
No cap stated
KYC above before the first deposit (electronic identity and age check); documents at £700 single or £1,400 cumulative transactions
1 currencies · 11 game studios · Bank Transfer, Apple Pay, Visa +5 · 54 restricted countries
From the termsInactive-account fee GBP 10 a month after 12 monthsLicence
UK (UKGC)
38905
Withdrawals
£25,000 per card or wallet transaction; £250,000 per bank transaction per fiat withdrawal
KYC above at registration (electronic age and identity check; documents if it fails); source of funds checks on request
2 currencies · 20 game studios · Visa Debit, Apple Pay, Bank Account +3
From the termsInactive accounts blocked after 30 monthsLicence
UK (UKGC)
65519
Withdrawals
No cap stated
KYC above before any deposit, withdrawal or bet (name, address and date of birth)
2 currencies · 1 game studios · Visa Electron, Visa Debit, Pay by Bank +4 · 1 restricted countries
Licence
UK (UKGC)
39326
Withdrawals
a per-transaction amount set on the account, shown on the withdrawal page; other amounts on request per fiat withdrawal
KYC above before the first deposit or bet (automated check; ID and a utility bill if it fails)
11 currencies · 11 game studios · Visa, PayPal, Google Pay +3
From the termsInactive-account fee £5 a month after 12 monthsTerms allow game RTP changesLicence
UK (UKGC)
52894
Withdrawals
No cap stated
KYC above before the first withdrawal (identity, age and place of residence verified)
1 currencies · 1 game studios · Visa, Trustly, PayPal +9
From the termsInactive-account fee £5 a month after 12 monthsLicence
UK (UKGC)
39326
Withdrawals
set per account and shown on the withdrawal page; no cap on the number of transactions per fiat withdrawal
KYC above before the first deposit or bet (automated check of registration details; ID and a utility bill if it fails)
1 currencies · Cards, Wire Transfer, Online Wallets
From the termsInactive-account fee £5 a month after 12 monthsTerms allow game RTP changesLicence
UK (UKGC)
39326
Withdrawals
set per account and shown on the withdrawal page; larger amounts on request per fiat withdrawal
KYC above before the first deposit or bet (automated check; ID and a recent utility bill if it fails)
11 currencies · 21 game studios · Trustly, PayPal, Visa +3
From the termsInactive-account fee £5 a month after 12 monthsTerms allow game RTP changes
Scratch Card Casinos: The Practical Terms
Each row repeats what the casino itself publishes. Not stated is used where its terms are silent, and should not be read as a refusal.
How an Online Scratch Card Is Decided
An online scratch card looks like the paper kind: a grid of covered panels, a stake chosen before you play and a prize table saying which matches pay. The difference is when the result comes into being. A shop card is printed in advance, so whether it wins was settled when the print run was made. An online card is decided by the game's random number generator when you play it, and scratching only shows you the answer.
Because it is a casino game, a UK casino has to display its average return to player, the long-term share of stakes that comes back as wins, and monitor that figure against how the game really pays. The Commission sets no minimum. Two cards with the same artwork can therefore return different amounts, and the rules or help screen is where you find out.
Reveal all: The technical standards ban features that rush a casino game to its result, such as turbo and slam stops, but they state that this does not prohibit a scratch-all or reveal-all button. That is why a card can still be uncovered with one tap.
The stake-limit guidance for online slots does not name scratch cards. The other game-design rules for casino games that are not slots, from the minimum round length to the ban on playing several games at once, are explained on the baccarat casinos page.
Shop Scratchcards and Online Scratch Cards
The right-hand column describes the casino scratch cards in the lobbies on this page. A return figure for one product says nothing about the other, so compare like with like.
Scratch Card Myths
The order you scratch in matters
Uncovering the panels in a different order, or more slowly, changes what the card pays.
Reality Check
The game has settled the result before the first panel moves. Order, speed and the reveal-all button change only how you see it.
A card that just paid will not pay again soon
After a win the game holds back prizes for a while, so it is better to switch cards.
Reality Check
Every card is a separate event, so the last one tells you nothing about the next.
Scratch cards have no wagering requirement
Scratch cards are wager-free, so any win can always be withdrawn at once.
Reality Check
Wagering belongs to a bonus, not to a game. Play with your own deposit carries no wagering at a UK casino, while bonus money played on a scratch card carries whatever its terms say. The cap every UK bonus now has to respect is on the £10 deposit casinos page.
Online cards pay like shop cards
A scratch card returns about the same whether it is bought in a shop or played at a casino.
Reality Check
They are different products. A casino scratch card displays its own return in its rules, and that figure belongs to that game alone.
Choosing Where to Play Scratch Cards
13 of the 22 casinos set a minimum deposit of £10 or less, and four go down to £5. The smallest withdrawal a casino allows can sit above its smallest deposit, a gap the £5 deposit casinos page explains.
Spins dominate the welcome offers here: 17 of 18, against one offering a deposit match. On most of these sites the offer goes on slots, and scratch cards are played with your own deposit.
Card, wallet and bank options at these casinos run as follows, with a count of casinos after each: Apple Pay (12), Neteller (9), Trustly (8), PayPal (8), Mastercard (8). Accepting a deposit by one method does not mean payouts can return by that route, and the payment methods page counts which do.
Scratch Cards Online UK FAQ
Yes. A card played with a real-money stake pays its prizes into your casino balance, and you can withdraw them under the casino's payment terms, the same way as a win from any other game.
16 of the 22 state a withdrawal time, and the comparison table on this page shows each in the casino's own words. Many split the time into a pending stage at the casino and a transfer stage at the bank or wallet, so add the two together.
Yes. Joining GAMSTOP, the national self-exclusion scheme, is a condition of every UK remote gambling licence, so a self-exclusion reaches the scratch cards at every casino on this page along with everything else they offer.
No. Winnings from gambling carry no tax for players in the UK; operators pay duty on them instead.
12 of the 22 casinos list an app in an app store, eight of them on both iPhone and Android. At the rest, the lobby is reached through the phone's browser instead.