Top Paying Online Casino NZ: Casinos with the Highest Payouts

There are a number of online casinos currently in development and with the current amount already in circulation on the internet, it is good to have some background knowledge regarding what makes the best payout casinos. The best payout casino can refer to many things but we will concentrated on the highest payout casinos and reliable payouts. If you are looking for the fastest payout online casino, head over to our article dedicated to those. Here you will come to identify what RTP’s are, which companies have regulated and vetted the sites and why they are so important. To begin with, players need to identify what RTP’s are and why they are so important when choosing casinos, games, and slots.

Best Online Casinos that Payout

RankCasino Bonus Preview Info Visit
Spin Casino Logo of Spin Casino casino $1000
Grab an Instant $1,000 Sign up Bonus to play top Microgaming pokies in NZDSpin Casino
Play Now
Casino Gods Logo of Casino Gods casino $1500
Casino Gods is a strong new entry into the NZ market and offers a huge Welcome bonus.Casino Gods
Play Now
Gate777 Logo of Gate777 casino $1500
Renowned casino with Welcome Offer of up to a NZ$1500 bonus and 150 free spins.Gate777
Play Now
Jackpot City NZ Logo of Jackpot City NZ casino $1600
Jackpot City Casinos awesome $1600 Welcome Bonus for new sign ups from New ZealandJackpot City NZ
Play Now
5 Logo of casino $400
$400 Sign Up Bonus with 200 Free Spins, and 20 no deposit free spins! Play top Playtech pokies in
Play Now
House of Jack Logo of House of Jack casino $1000
Enjoy one of the best welcome offers! Get your 200 NO WAGER free spins now!House of Jack
Play Now

See the Best Online Casino in NZ

Defining Return to Player - RTP’s

The RTP is defined as the return to player. This is, simply put, the percentage the casino game returns to the player throughout wagering. The RTP is weighed up after careful consideration and usually determined after roughly one million players have played the game. It is a general deduction made by technical algorithms and gives players an idea as to how the game will perform and payout.

How Does It Work?

It depends on the casino, but if you are looking for the best payout opportunity from a casino you would seek out the highest RTP percentage you can find. Why is this? You will need to understand how it works for it to make sense.

For example, if a casino offers you an overall RTP percentage of 96%, for every $1.00 spent wagering, the game will eventually return $0.96 over a long period of game time. The trick is to remember that not each game played will return this amount, it is a general percentage granted over a period of time and over a number of players. This is where fair play casinos feature into the best payout casinos.

Fair play casinos are the ones that use RNGs (random number generators) to pay out players according to the algorithms used by the technology adopted by the casino. Another reason why online casino varies in RTP percentages. Should you find a fair play casino, one that states as much, and it is licensed visually displaying the return to player percentage, you should, in fact, be paid out in accordance. This especially applies to players who become members and return on a regular basis although the RTP is never guaranteed.

One thing players need to understand is that just because a series of games have yet to payout doesn’t mean the next game will do so. The RTP is spread amongst all games on the casino and is averaged at how the casino pays out.

Highest/Best Payout Casinos

The best payout casinos will and do deliver a payout but this depends on whether or not the casino has been approved through channels that test the casino games. Online casinos hire specialists in the industry to put their stamp of approval in their safety and security section, ensuring fair play. These companies have the sole intention of approving the games are indeed fair play and pay out the return to player percentage as stipulated. Again, this percentage varies, however, nevertheless, regardless of which casino is better than the other, these companies test these casinos and approve them once they have determined the casino is true and delivers its specified RTP.

One way for players to familiarize themselves with safe and regulated online casinos, the ones to truly offer the best payouts, is by identifying the companies who are fully licensed and test and try these casinos. These are the companies that dominate the industry and give their stamp of approval.

eCOGRA certificate exampleOne of the leading and most recognized companies in the industry is eCOGRA. The acronym stands for eCommerce Online Gaming Regulation and Assurance and this is exactly what the company delivers to the members of the casino. The London based company is internationally recognized and tests within the gambling industry to ensure that players are protected and standards have been met within the laws of players regulations. With over a decade of experience in the industry, having operated since 2003, eCOGRA is one of the most trusted regulators within its field.

Another company to be trusted is iTech Labs. This is an Australian based company with the same purpose as eCOGRA and over a decade of experience. The regulatory company, like eCOGRA, has an impressive reputation within its industry. The company has its stamp of approval on some of the largest online casinos and operators in the industry.

These are two of the most prominent companies to regulate and approve online casinos and games. For this reason, if you are looking for the best payout casinos, look for this stamp of approval. It can usually be found at the footer of the site, giving player’s peace of mind and assuring them the RTP percentage advertised is accurate.

Highest Paying Online Casino for 2021

Here are the highest paying casinos over the last 6 months. The highest paying online casino on average for all games is placed on top. Jackpot City has paid out the most to players through the six months audited. Note that this is the most current data as of March 2021.

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

Here is the data for Jackpot City over the past six months so you can see the RTP of the casino split out by game type. You can see that the highest payout percentage can actually be above 100% which means the casino paid out more than it took in during that month on that specific game type.

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

There is a trick to the system, one that impacts the RTP percentage of each game. The reason why each casino game varies in these percentages, or why online casinos vary here, is because of the casino software companies. Each software company creates games that offer various features, functionalities, bonus rounds, and gamble games. All of these creations impact how the game pays out. For this reason, players should be looking to the developers of the games and casinos. The trick is to determine which kind of game you prefer, high volatility or low volatility games. Which brings us to our next section of the best payout casinos, it’s all about the games.

Best Payout Casino Games

An ongoing debate among gamblers is which casino games payout the most and although many cannot find common ground one thing remains a certainty. The best paid out games depend on the casino and game of choice. For this reason, it is wisest to breakdown how this could affect players in the long run.

Choosing the Best Payout Game

When it comes to choosing the best casino game, the one to pay out the most after the shortest period of time depends on the house edge and skill advantage. So what is the house edge?

Determining the House Edge

The casino is referred to as the house, the percentage the casino maintains from each wager is referred to as the edge. These two factors combined are what the casino retains upon each wager placed, most often noticeable at casino tables. Table games such as progressive jackpot games, blackjack and mostly roulette variants have a house edge. The casino will choose to keep a percentage of these deposits made as a form of ‘payment’. Now when players have a selection of casino table games, they should want to look at the house edge of each of these games. In some instances the casino will deliberately offer the player an open ledger of the statistics, however, should the casino and its game be eCOGRA certified, and players can expect a more or less similar house edge from one casino to the next.

Players cannot determine which casino games will payout the most but what they can do is look to the general consensus which shows a similar statistical occurrence within the framework of the best paying online casino games. Here are some of the games that you may encounter at notorious online casinos, games that have payout percentages based on the house edge. Read our online casino reviews for more info about each brand in particular.


Roulette comes in three main variations; French, European and American. The most popular of which is European. The reason why? European roulette has a house edge of approximately 2.7%. This is because the European wheel is only loaded with red and black numbers from 0 to 36 and as a result players stand a better chance of beating the house edge than American roulette which has an additional zero, ranging from 00 to 36 and instantly pushing the house edge to a hefty 5.26% in approximate estimates of the casino house edge from one to the next.

For this reason, as much as a gamble as it is, roulette is considered one of the ultimate games of chance.


Blackjack on the other hand, is a game considered to be a winning game, as the return to player is vastly more than that of French roulette. Played directly against the house, the player has more wagering options which could be bettered by his level of skill. Again, only the best payout casinos offer a better house edge which is all more or less in a similar percentage bracket.


Poker is a game where players stand the best chance of winning a pay day. The reason for this? It is not only a game of chance but also a game of skill. This immediately puts the advantage in the player's favour rather than the casino, but there are also the other players to consider. Poker isn’t just against the house, it is also against like-minded opponents which could immediately impact the RTP, one of the reasons players will most likely never find an RTP % attached to a poker game. No, players will see the RTP of a casino but not on games such as Texas Hold’em. It’s a volatile game and one that warrants a best paying casino in order to payout the big cash.  It is a game that has been known to pay out astronomical amounts

An important factor to remember is that online casinos will never maintain their current return to player percentage and this is because of the games added. With each game added to the database, the RTP fluctuates due to the gaming provider creator of the game which is mentioned here below.

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

So you are a slots fan and you are wondering which games you can play to maximize your returns or extend your playing time. Well, there are two factors that go into this and they are the RTPs and the variances. We have a whole page that details the highest RTP slots machines and goes over slot variance. A quick rundown is that in order to get the highest return you need to look for the highest paying slots that you actually enjoy to play. Here is a quick preview of the best slots odds on slot games as there is surely a few in there that will tickle your fancy.

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

As far as the best payout casinos go, players should take into consideration how the return to player has been structured based on games chosen, regulatory measures taken by the casino using companies such as iTech Labs and eCOGRA to audit the games as well as the RTP’s advertised on the site. This is far less complicated than it sounds as the best payout casinos boastfully advertise all their approvals, license agreements, and certifications on their site which is usually on the home page. The vetting process is one that takes time, money and is well worth the wait, as these best payout casinos attract the biggest gaming developers in the industry to deliver the best payouts to their members.

Last Updated: November 14, 2021