Best ATM Deposit Online Casinos 2024

ATMs are electronic banking outlets that allow you to complete basic transactions without involving bank tellers or agents. If you walk into the bank and find a long queue, simply walk to an ATM and serve yourself hassle-free.

ATMs are convenient as they allow you to perform a wide range of self-service transactions. You can make deposits, withdraw cash, transfer funds between multiple accounts, or pay bills online (including making online casino deposits). Some ATMs exclusively support the Nigerian Naira as the only currency, while others allow you to deposit using foreign currencies.

Banks and other financial institutions place ATMs outside or inside of their branches. You can also find ATMs in high-traffic areas such as shopping malls, airports, hospitals, restaurants, casinos, petrol stations, and more. There are also privately owned ATMs, which allow you to make deposits. Many people might be sceptical about the privately owned machines, but as long as you use the service(s) of a renowned and regulated brand, you have nothing to worry about. They are usually as secure as those offered by banks.

Research shows that ATM deposits to online casinos are mainly popular in Africa, Asia, and Latin America. However, the distribution of players who use ATMs to deposit to online casinos is not uniform and depends on the availability of other, more convenient options in a country. If players have access to e-wallets, crypto or other options that they can easily use on their mobile or laptop, they will certainly prefer them over ATM deposits. 

The process of topping up your account in online casinos with ATM deposits may vary slightly from one financial institution and ATM to another. However, these are the steps you must follow to successfully recharge your online casino account:

1. Find a machine that supports ATM deposits. As mentioned, not all ATMs offer the money transfer option. Therefore, you must first find one that does. This can be done by checking the bank’s website or using your mobile app to find a suitable ATM.
2. Enter your credit/debit card and key in your card’s PIN. Proceed and select the “transfer cash” or “send” option. Mind that the commands can differ across ATMs. 
3. Enter the account number or details associated with the online casino you’ve signed up with. Proceed to the next step. 
4. Enter the amount you’d like to send to the online casino. If satisfied, select “deposit” (“send”) to complete the transaction.
5. As soon as the deposit is complete and successful, you’ll receive a message from the online casino verifying the transaction. As mentioned, the money is readily available for use. 

Withdrawing winnings from online casinos that take ATM deposits is a straightforward and easy-to-complete process, but you will have to pick another option for evident reasons. Here is a step-by-step procedure that will help you cash out your winnings:

1. Select the withdraw option and pick one of the available payment methods. In most online casinos, you can only withdraw your winnings using the same method you used to deposit. Since ATM deposits are not an option, winnings will automatically be paid back to your bank account using wire or bank transfer. 
2. Enter the amount you’d like to cash out. You must ensure the amount is within the limits stipulated in the T&Cs section. Take note of daily, weekly, and monthly limits, if there are any.
3. Select the withdraw button. This will confirm your withdrawal request and initial the transaction process. The request will be reviewed (it can take up to 48 hours to be completed), and the winnings will be paid back to your bank account within 3–7 business days. You can only withdraw your winnings after completing the KYC verification process. Any licensed and regulated online casino is required to verify the identity of its members before they can cash out their winnings. 

As mentioned, transaction times vary from one financial institution and ATM to another. However, you should be able to complete the deposit within five minutes at most. For every transaction you make, you’ll have to part with a fee of between ₦30 and ₦300. 

Whatever reason you’ve decided to play casino games online, there are a few aspects you must consider before engaging or committing yourself to any brand. At the bare minimum, you must consider the banking methods supported, safety and security measures in place, terms and conditions, and the site’s reputation in the online gambling spaces.

Banking methods supported

The best online casinos with ATM deposits should support other payment methods, too. It should include credit/debit cards, eWallets, crypto, and eVouchers that are widely used by Nigerians to transact online. The transaction limits should also be accommodative, ensuring high rollers and casual players can comfortably deposit and withdraw funds.

Safety and security measures

When considering the safety and security measures, look at the licensing bodies behind the brand. An online casino worth its salt should have a license issued by at least one of the top licensing bodies, including the likes of the Malta Gaming Authority, the UK Gambling Commission, or the Government of Curacao. It’s an added advantage if the online casino has a seal of approval from one of the independent third-party auditing companies such as eCOGRA, iTech Labs, GLI, and more. This shows that the casino’s games have been audited and found to be fair. 

Easy-to-understand terms and conditions

The devil is usually in the details. Therefore, you should read the terms and conditions in detail. The online casino should ensure its T&Cs are well-defined and easy for many players to read. Specifically, look at whether you qualify to sign up with the casino or not. Read the privacy policy to know the information collected and how the casino intends to use and store it. Importantly, go through the bonus terms and conditions, too, checking the wagering requirements, qualifying games, and expiry dates.

Online casino’s reputation

Before signing up with the online casino, run a background check and see what other players and casino reviews have to say about it. Needless to say, a brand with a stellar reputation is highly recommended.  

Pros

• A highly secure and safe payment method to use when transacting
• Transactions are completed fast. You can have your funds available for use within a matter of minutes
• Supports a wide range of cards. Whether you are using Mastercard, Visa, Verve, or American Express, you can complete an ATM deposit

Cons

• There are a few ATMs that accept or support online casino deposits
• While they are quite safe to use, they can be targets for card skimming
• When making transactions to online casinos that take ATM deposit, you are mostly limited to local brands 

ATM deposits are quite simple and direct to complete – simply insert your card, punch in your PIN and required details, and confirm the transaction. However, what appears to be a simple and direct procedure can expose your finances to certain dangers. Even though ATM robberies are quite rare nowadays, criminals have come up with inventive ways to steal your money and, in some cases, financial information.

Skimming is an art that cybercriminals are using to defraud Nigerians from ATMs. Skimmers will attach a card reader to your ATM. This card skimmer will capture the card information (including PIN, CVV code, and card number), which can then be used to make illegal transactions remotely.

While using an ATM, you can notice that the card reader isn’t properly secured, the card slot has different colours from what you are accustomed to, and you cannot press the buttons easily, or the keyboard is too thick, there’s a high chance you are getting skimmed. 

Safety and security measures at ATMs

Fortunately for you, banks have several safety and security measures in ATM booths to ensure you transact safely. Before you make a deposit or withdraw funds from your account, you must ensure the booth and ATM have these features in place:

• Surveillance cameras: It is standard for an ATM to have a built-in security camera. Some, like ABSA, will have cameras fitted inside the ATM booth to add the “extra layer” of security
• PIN pad covers: They are meant to ensure that the person standing next to you does not peek at your PIN
• Card capture: This is an automatic action which will capture your card if you input the wrong PIN thrice. The card can only be recovered by visiting the branch physically

While the banking institutions have several measures in place to warrant your safety and security, you also have a big role in ensuring the transactions are a success. As such, always ensure you only transact on machines that are well-lit. Avoid visiting secluded machines, lest you end up being robbed. Additionally, don’t accept assistance from any stranger, including the security guards in the ATM booths.

Convenience of ATM deposits

When it comes to the convenience aspect, it eliminates the need to rely on third parties (bank tellers and agents) to complete the transaction. You simply need to find an ATM that accepts casino deposits within your locality and perform the transaction yourself. This also eliminates the need to confine yourself to the strict working hours of the agents and banks, as you can complete this transaction anytime you feel like. 

Players can benefit from a few cheeky bonuses courtesy of ATM deposit casinos. Over the past 15 years or so, bonus offers have become somewhat of an industry standard, with all top-rated online casinos having something in the menu. Yet, despite the varied nature of these bonuses, they fall under three main categories.

Welcome bonuses in ATM deposit casinos

This is the first of many promotions you will receive from any online casino. It’s virtually impossible to find an online casino that doesn’t have any form of welcome bonus. This offer is awarded in the form of bonus cash, free spins, or both. In some cases, you must deposit to receive the offer. In other instances, you receive a no-deposit welcome bonus offer but only after creating an account with the casino.

Reload and VIP bonuses in ATM deposit casinos

Reload promotions ensure you are awarded bonus cash and free spins for subsequent deposits you make while at the casino. The offer can be part of a daily, weekly, or monthly promotion. Not all online casinos with ATM deposits have VIP programs. However, those that support the program ensure you receive goodies such as bonus cash, free spins, and birthday gifts, and let you earn comp points you can redeem for money and other merchandise on the platform. 

Regardless of the type of online casino game you are after, rest assured the best ATM deposit casinos have something for you. If you are after table and card games, the ATM deposit online casinos recommended on this page offer roulette, blackjack, baccarat, craps, and sic bo. These games come in both RNG and live dealer formats. This way, you can have your pick and play something that fits your style and preference.

Nigerians looking for simplistic gameplay will be happy to know there are over 15,000 online slots to pick from. These games come with different types of themes, bonus rounds, bet limits, and styles of play. You can also try out some of the instant win games, such as Slingo, bingo, keno, and scratch cards, which are quite popular with slot players, too.

Have you heard of crash games? Maybe the names Aviator, JetX, or Spaceman will ring a bell? If they do, top ATM deposit casinos offer these games, too. The best ATM deposit casinos have been designed to ensure you have the best gaming experience possible. Not only will you be able to play these games on your desktop computer, but you can also access them via your mobile device – no download required. 

Online slots in ATM deposit casinos

Playing slots online has many advantages. In addition to accessing more than 15,000 games, new releases are available every month. This keeps the portfolio up-to-date and fresh at all times. The games also feature all sorts of themes. Whether you are searching for a football-themed, music-themed, or any other theme you can think of, rest assured you’ll find a game in the vast portfolio. It’s not just about the themes, but also the prize they offer. You can win big playing online slots. Regular online slots pay out thousands, but those with jackpots give a chance to win hundreds of millions of Nairas.

Online blackjack in ATM deposit casinos

Slots in ATM deposit casinos online don’t require much skill. The outcomes are entirely left to chance, something many players might not like. Therefore, if you are looking to play a game where a little bit of skill and strategy is employed, you can try online blackjack. The variety of games isn’t as massive as online slots, but the available ones are enough to entertain you for hours. You can play games that follow the basic rules of blackjack (which involves forming a stronger hand value than that of the dealer’s) or settle for games with side bets. Whichever choice, the portfolio is large and diverse enough compared to what you’ll find at your local casino. 

Online roulette in ATM deposit casinos

Old and new ATM deposit casinos offer players a variety of roulette games, including American, European, and French versions. Like online slots, roulette requires little skill to play. Simply sign up with a top-rated online casino, pick your preferred roulette game, and place a bet by predicting where the roulette ball will land. If your prediction comes to pass, you are awarded a payout according to the odds indicated in the paytable. Traditionally, online roulette games were limited to fixed payouts. However, thanks to technology, you can play online roulette games with progressive jackpots. These include the Age of the Gods roulette from Playtech.

Online baccarat in ATM deposit casinos

Online baccarat is a simplified version of blackjack. However, unlike blackjack, where you must make every decision during gameplay, baccarat lets the dealer or house make all the crucial decisions. All you must do is place a bet on whether the banker’s or player’s hand will have the highest score at the end of the round. You can also bet on a tie.

In addition to the simplistic gameplay, baccarat is widely played online due to its relatively low house edge. Nigerians can enjoy a house edge of as low as 1.06% and 1.24% (for the banker’s and player’s bets, respectively). The tie bet has a high house edge of 14.36%, but the returns from this are significantly high.

Crash games in ATM deposit casinos

Crash games are taking over the Nigerian online gambling space by storm. These games are relatively easy to play as they require you to place a bet and watch as it grows while a plane, spaceman, or projectile launches into outer space. The higher the plane goes into the air, the bigger the multiplier and, consequently, the return on your bet. However, you must cash out before the plane “crashes” to win. While the payouts are random, you can use cashing out and betting strategies to make money while playing crash games. The simplicity, game control, and many more reasons are why many casino players love crash games. 

Live games in ATM deposit casinos

From classics such as blackjack, roulette and baccarat to game shows, the basic principles of your favourite RNG-based games remain the same in their live dealer versions. However, as the name suggests, in live games, your bets are taken by real human croupiers working in gaming studios and real brick-and-mortar casinos. All the action is streamed straight to your device (desktop or smartphone) in real time. You can also interact with the dealers and other players seated at the tables using the live chat feature. Unlike their RNG counterparts, live dealer games are only accessible in real money mode, although with friendlier bet limits compared to their land-based counterparts. 

The best ATM deposit casinos in Nigeria strive to ensure all types of players are catered for. Whether you are looking to play online slots, roulette, blackjack, baccarat, or crash games, these casinos should ensure there’s something for you. The operators also ensure these games are easy to access on both desktop and mobile platforms. Nigerians who have access to slow internet speeds should not worry because the games on these platforms are fully optimised to load even on slow speeds. To make their games even more accessible, the best ATM deposit casinos allow players to play the same RNG-based games for free in demo mode. This helps you familiarise yourself with the game rules before committing real money. Whenever you are ready to switch to real money play, you can always pick from a variety of other payment methods, including credit/debit cards, eWallets, crypto, eVouchers, and more.