Top Paying Online Casino NZ: Casinos with the Highest Payouts

With so many online casinos around and more to follow, it helps to have a good idea of what makes a casino the best when it comes down to payouts. When looking at the best online casino, there are a variety of factors that need to be considered. This ranges from bonuses to the banking methods that have been made available. Here we’ll be taking a look at the highest payout online casinos along with reliable payouts. If you are looking for information about the fastest payout online casinos you should read our dedicated article that we’ve wrote about the subject.

In this segment, you’ll find out more about what RTP’s are, along with a variety of agencies that are responsible for the regulation and vetting of the sites as well as their importance. To start, as a player, you’ll need to have a good understanding of RTP’s and what makes them so important when selecting games, casinos, and pokies.

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Defining Return to Player - RTP’s

RTP, also known as return to player, is a rate or percentage that’s used by a casino game which is an indication as to how much cash is returned to the player over time while playing the same game. The RTP of a game isn’t something that’s thrown together, as it’s something that has gone through careful thought and it’s usually only available after a large number of players have played the game.

This will then produce a more accurate rate. It’s essentially an overall conclusion made by methodical algorithms and it provides players with an idea of the performance and payout rate of a specific game.

How Does It Work?

The way an RTP works largely depends on the casino; however, if you’re looking to take advantage of the best payouts that are offered by an online casino, your best bet would be to find the highest RTP rate available. The reason for this isn’t very complicated; however, you’ll need to have a basic understanding of RTP for the explanation to add up.

If an online casino offers you an RTP of 96%, this means that for each NZ$1 that’s wagered, the game that you’re playing would eventually return $0.96 over a prolonged period. However, the key is to keep in mind that not every game that you play will return this amount as it’s a general rate that’s granted over an unknown timeframe. This is where you’ll find that fair play casinos become the best payout online casinos.

Fair play casinos can be defined as casinos that make use of RNG’s (Random Number Generators) to provide players with results that are based on algorithms that are used by tech that’s been adopted by the casino. RNG’s also ensure that the results of a game of chance can’t be predicted or follow a distinct pattern.

One other reason that the RTP rates would vary from one casino to the next is due to the RNG’s and if you find a fair play casino and it has a license that can be viewed along with displaying the RTP rate, then there’s no reason why you shouldn’t be paid accordingly. This also applies to players that have become members of the casino and have made a habit of returning, although there’s no guarantee on the RTP.

An important factor that needs to be considered is that dry spells do exist and there will be times when it seems like the game has been rigged. Unfortunately, it’s just not your lucky day. The RTP is distributed across all games that the casino has to offer and is averaged on the payout of the games.

Highest/Best Payout Casinos

When it comes to the best payout casinos, these will deliver payouts; however, this comes down to whether the casino has been given approval by the channels that are responsible for testing these games. Specialists are generally hired by online casinos within the industry to provide their seal of approval within the safety and security section, and this can be a great way to

eCOGRA certificate example

determine if a casino is safe.

These are companies with the only goal which is to approve games and ensure that they’re fair and that the payouts are what’s stipulated in the RTP rate. Again, this rate will vary, but regardless of which casino is superior, these agencies test casinos and approve them if they’ve determined that the casino has been honest and has delivered on the RTP that is specified.

A great way for you to become familiar with casinos that are safe and regulated, along with those that offer the best payouts is to identify the brands that have been fully licensed and then try these casinos for yourself. These companies are the ones that control the industry and provide their seal of approval based on a variety of factors.


One of the most recognizable testing agencies is eCOGRA (eCommerce Online Gaming Regulation and Assurance). What the agency delivers is all in the name, the London-based agency is recognized on a global scale and constantly runs tests throughout the industry to ensure that you’re exposed to casinos that are following industry standards with regulations being met within the confines of the law. This agency has over 10 years of experience within the gambling industry and is easily one of the most reputable regulators in its field.

iTech Labs

Another reputable testing agency that also has a prominent presence in the gambling market is iTech Labs. This Australian agency essentially operates with the same goals as eCOGRA and has years of experience under its belt. The agency has provided its seal of approval to some of the largest online casinos within the gambling industry.

These agencies are two of the most recognizable ones that regulate and provide approval to online casinos along with their games. This is the reason why you should always be looking for an online casino that has the seal of approval of any of these agencies if you’re hoping to find a casino that features the best payouts. This seal is generally found at the bottom of the homepage of the casino which will provide players with peace of mind as you can almost guarantee that the RTP is what’s advertised.

Highest Paying Online Casino for 2021

Below you’ll find a table that houses information regarding the highest paying online casinos over the six-month period. The casino found at the top of the table is the one with games with the highest average payouts for all of the games that it has to offer.

Jackpot City97.896.696.496.696.496.996.8
Spin Casino101.595.896.095.295.796.096.7
Ruby Fortune95.696.695.896.496.696.496.2
Royal Vegas97.095.095.997.096.296.396.2

Jackpot City RTP results

Below you’ll find the RTP results for a six-month period according to the types of games that the site has to offer. The table also reveals that the highest payout rate can exceed 100%, which means that the payout was higher than what was wagered within that gaming category.

Jackpot CityAll GamesPoker GamesSlot GamesTable Games
Sep 202097.7795.8196.7299.37
Oct 202096.6394.6796.0398.25
Nov 202096.3598.1595.8297.85
Dec 202096.6295.0896.3197.45
Jan 202196.3597.4196.0797.45
Feb 202196.9095.7096.04100.21

About RTP Variations

This system can easily be understood with a simple trick, this one has an impact on the RTP rate of each game. You’ve likely wondered why each game offered by a casino has a different RTP, or the reason for the variations of online casinos is simply due to the vast number of casino software organizations that are out there. Each company develops games that provide various features, bonus rounds, functionalities, and in some cases, gamble games.

These features have a direct impact on the performance of the game including how it pays out. This is why it’s best to look to the developers of the casinos and the games. The trick is to identify the type of game that you prefer, low or high variance games.

Games with the Best Payouts

There’s been a long-standing debate regarding which casino games provide the best payouts; however, despite there being no common ground, there’s one certain thing. The best payouts depend on the casino you’ve chosen along with the game.

Choosing the Best Payout Game

Selecting the best payout casino game isn’t as difficult as you’re led to believe; however, the ones that will payout over the shortest timeframe have a variety of factors to consider, namely the skill advantage and the house edge.

Determining the House Edge

The house edge is a term that’s heard frequently across the industry. The casino is generally referred to as the house and the edge is the rate that’s maintained by the casino from each bet that’s made. Combined, they’re known as the house edge and this is the amount that the casino keeps after each bet and this is more noticeable when playing table games. Table games such as baccarat, blackjack, and different types of roulette have a house edge.

A portion of these wagers is kept as a type of payment to the casino. Before a player decides on the casino game that they want to play, taking a closer look at the house edge of each game is always a good idea. Some casinos will also go as far as to provide a ledger of stats; however, if the casino and the selected game be certified by eCOGRA, you can expect to find similar house edges from one casino to the next.

It’s not possible to determine which games will provide the highest payouts; however, the next best step is to look towards the general agreement that indicates a comparable statistical amount in the framework of the highest paying casino games. Read our online casino reviews for more info about each brand in particular.


Roulette is available in three types, American, European, and French, with the most popular of the three being European due to it having a better house edge with a rate of around 2.7%. This is due to it having a wheel only housing black and red numbers ranging from 0 to 36. This means that there’s a better chance of you beating the house edge as compared to American roulette as it has an added zero that pushes the house edge to 5.26%.


Blackjack is one of the few casino games that has you go up against the casino and you’ll have a lot of betting options at your disposal. Blackjack is also a game that allows room for growth as there’s a skill factor involved.


Like blackjack, poker is a game of skill and chance which is a game that favors the player more than the casino. Poker also has you go up against other players that are usually equally as skilled, and this has a huge impact on the RTP of the game. This is why you would hardly ever find an RTP attached to a game of poker.

RTP of Common Casino Games

Casino GameGame TypeRTP
Classic BlackjackBlackjack99.91%
Aces And Faces PokerVideo Poker99.26%
French RouletteRoulette98.65%
3 Card PokerPoker98.24%
Retro ReelsOnline Slot97.50%
European RouletteRoulette97.30%
Sic BoSic Bo97.22%
Guns N' Roses Video SlotOnline Slot97.00%

Highest Payout Slot Machine Games

Why not play the most profitable slots games? You might be surprised at how much money you can make! We have a whole page of highest RTP slot machines, along with information about slot variances. It's important to find your favorite game and stick with it - if that means avoiding any kind or prize/returns percentage then do so without hesitation because there will always come times when one type pays off better than another (although usually by very small amounts). Here is a quick look of the best odds on slot games as there is surely a few in there that will make your thrilled.

ProviderSlot GameRTP %
PlaytechGoblin's Cave99.32
PlaytechUgga Bugga99.07
NetEntMega Joker99
PlaytechTropic Reels98.95
PlaytechTriple Profits98.72
Thunderkick1429 Uncharted Seas98.6
QuickspinJoker Strike (High Roller mode)98.11
NetEntBlood Suckers98
BetsoftGood Girl Bad Girl97.79
PlaytechGolden Tour97.71
PlaytechAlien Hunter97.69
BetsoftGypsy Rose97.63
MicrogamingHot Ink97.5
MicrogamingRetro Reels97.5
MicrogamingRetro Reels Extreme Heat97.5
BetsoftSafari Sam97.5
MicrogamingBikini Party (with re-spins)97.49
MicrogamingDragon Dance (with re-spins)97.49
MicrogamingReel Gems (with re-spins)97.49
MicrogamingWild Orient (with re-spins)97.49
MicrogamingCouch Potato97.43
BetsoftAt the Copa97.42
PlaytechJungle Boogie97.4
PlaytechAlchemist's Lab97.32
ThunderkickBørk the Berzerker97.3
PlaytechSultan's Fortune97.26
BetsoftGreedy Goblins97.2
PlaytechNeptune's Kingdom97.19
MicrogamingFroot Loot97.17
PlaytechDiamond Valley97.16
PlaytechFunky Monkey97.15
Play N GoRage to Riches97.12
ThunderkickToki Time97.1
BetsoftThe Tipsy Tourist97.1
NetEntJack Hammer 297.07
NetEntJack Hammer 2: Fishy Business97.07
NetEntSecrets of Atlantis97.07

In Conclusion

Ultimately, the RTP is a figure that should be considered if you’re hoping to find a casino or a game that has high payouts. Casinos that have been regulated by third-party testing agencies such as eCOGRA and iTech Labs guarantee safety and that the advertised RTP is correct.

Last Updated: December 30, 2022