PayID and POLi for Australian Casinos

POLi, on the other hand, is a direct‑debit system that works with internet banking. A player selects POLi at checkout, chooses their bank, and logs in using the bank’s existing credentials. The transaction is authorised in real‑time, and the money is transferred straight from the player’s account to the casino. POLi is operated by Payvision and is licensed by the Australian Securities and Investments Commission (ASIC).

What Are PayID and POLi?

Both methods bypass traditional card networks, meaning the deposit is processed without the need for a credit‑card number or a third‑party e‑wallet. This reduces friction for Australian players who prefer to keep their gambling activity within the familiar banking environment.

In practice, PayID and POLi deliver the same end result—a rapid, low‑cost deposit—yet they differ in user experience. PayID works like a “phone number for money,” while POLi requires a brief login to the player’s online banking portal. Understanding the distinction helps players decide which tool fits their routine best.

For players looking at alternate instant transfers alongside e‑wallet alternatives, you can find more details on our e‑wallet payment page.

Eligibility & Supported Banks

Eligibility for using PayID or POLi is tied to the player’s residency and banking relationship. Australian residents who hold a personal account with a participating bank can register a PayID at no extra charge. The same applies to POLi, where the only prerequisite is a valid internet banking login.

Below is a non‑exhaustive list of banks that currently support both services:

1. Commonwealth Bank of Australia (CBA)
2. Westpac Banking Corp.
3. Australia and New Zealand Banking Group (ANZ)
4. National Australia Bank (NAB)
5. Bendigo Bank
6. Bank of Queensland (BOQ)
7. HSBC Australia
8. St. George Bank
9. Suncorp Bank
10. Macquarie Bank

All listed institutions are regulated by APRA and participate in the NPP, guaranteeing that PayID works across the board. POLi, however, does not support every bank; the platform currently lists 17 Australian banks, most of which appear in the table above. Players whose banks are absent may still use PayID, which enjoys broader coverage.

Eligibility also depends on the player’s age (18+ in all Australian states and territories) and on the casino’s licensing requirements. Most reputable Australian‑focused operators demand proof of identity before allowing the first PayID or POLi transaction, aligning with KYC standards enforced by the Australian Competition and Consumer Commission (ACCC).

Deposit Speed & Minimum Limits

Speed is the primary selling point of both PayID and POLi. PayID leverages the NPP’s “near‑real‑time” settlement, meaning funds appear in the casino’s account within seconds, often under 30 seconds for domestic transfers. POLi’s direct‑debit method also confirms the transaction instantly, though the final credit to the casino’s balance can take an additional 5‑10 minutes while the bank’s processing queue clears.

Minimum deposit limits are set by each casino rather than the payment method. Nevertheless, most Australian sites adopt a low entry point to attract casual players. Typical minimums are:

• PayID: AU$10 – AU$20 (some casinos accept as low as AU$5)
• POLi: AU$20 – AU$30 (fewer operators allow under AU$20)

Higher‑roller tables often raise the floor to AU$100 or more, especially when the casino pairs the deposit with a large match‑bonus. The following table summarises the speed and limits of the two methods across a selection of popular operators.

Speed and minimum thresholds are subject to change based on bank processing times and regulatory updates. Players should always confirm the latest figures on the casino’s deposit page before initiating a transfer.

Fees and Transaction Costs

One of the biggest advantages of PayID is that the NPP does not charge the sender any fee for standard domestic transfers. Some banks may apply a modest “outgoing transfer” charge, typically AU$0.00‑AU$1.00, but most major institutions waive it for PayID transactions. The receiving casino also incurs no direct fee, making the method effectively free for the player.

POLi introduces a small service charge that varies by casino and by the player’s bank. The most common fee structure is a flat 1 % of the deposit amount, capped at AU$30. For example, a AU$500 deposit via POLi would cost AU$5, while a AU$4000 deposit would be limited to AU$30. Some operators absorb the cost as part of a promotional offer, advertising “no POLi fee this month.”

Below is a concise comparison of typical costs:

• PayID – generally $0 for the player; occasional $0‑$1 bank fee.
• POLi – 1 % of the deposit, max AU$30; occasional promotional “fee‑free” periods.

Both payment methods avoid the interchange fees associated with credit‑card deposits, which can range from 2 % to 3 % in Australia. In addition, players save on foreign‑exchange spreads because the transaction stays in Australian dollars.

If you are interested in other mobile‑centric payment options, feel free to explore our mobile payments overview.

Security Measures & Fraud Protection

PayID is built on the NPP, which employs end‑to‑end encryption and mandatory two‑factor authentication (2FA) for all participating banks. When a player initiates a PayID transfer, the bank checks the sender’s identity, validates the PayID, and then signs the transaction with a cryptographic key before broadcasting it to the NPP network. The process eliminates the need to expose BSB and account numbers, reducing the risk of account‑number phishing.

POLi adds another layer of security by never storing a player’s banking credentials. The platform creates a temporary, read‑only session that allows the user to approve the debit. After the transaction, the session expires, and no data is retained on POLi’s servers. Moreover, POLi works only with banks that support two‑factor login, meaning the player must confirm the payment with a code sent to their phone or a biometric prompt.

Casinos that accept PayID or POLi also implement their own anti‑fraud systems. These include:

1. Real‑time monitoring of deposit patterns.
2. Velocity checks that flag multiple deposits within a short period.
3. Geolocation verification to ensure the IP address matches the Australian location.
4. AML (Anti‑Money Laundering) screening against global watchlists.
5. Mandatory KYC verification before the first withdrawal.

Together, the banking infrastructure and casino safeguards create a robust environment that protects both player and operator from fraud.

Step‑by‑Step Deposit Process

Below is a detailed walk‑through for each method. The steps are intentionally written in a logical order, so players can follow them without needing to cross‑reference other documents.

PayID Deposit

1. Log in to the casino and navigate to the “Cashier” or “Deposit” page.
2. Select PayID from the list of available payment methods.
3. Enter the PayID supplied by the casino, usually in the format yourname@bank.com.
4. Choose the deposit amount; the system will automatically enforce the casino’s minimum.
5. Confirm the transaction; you will be redirected to your bank’s online portal.
6. Authenticate using your bank’s 2FA (SMS code, authenticator app, or biometric).
7. Submit the payment; you will see a confirmation screen showing the transaction reference.
8. Return to the casino; the funds appear in your gaming balance within seconds.

POLi Deposit

1. Log in to the casino and go to the “Deposit” section.
2. Select POLi as the payment option.
3. Pick your bank from the drop‑down menu; the list includes all POLi‑supported institutions.
4. Enter the amount you wish to deposit, respecting the casino’s minimum limit.
5. Click “Proceed”; a secure POLi window opens, prompting you to log in to your bank.
6. Enter your bank credentials; POLi never stores this information.
7. Confirm the debit; the system may request a one‑time code from your bank.
8. Finalize the payment; POLi returns a receipt code, and the casino credits your account shortly after.

Both processes finish with a transaction reference that players can keep for personal records. If a deposit does not appear within the expected timeframe, the player should contact the casino’s support team, providing the reference ID for quick resolution.

Best Casinos Supporting PayID & POLi

Australian players have a growing selection of reputable operators that accept both PayID and POLi. The table below provides a side‑by‑side comparison of the most popular choices, focusing on key features that matter to depositors.

Why these casinos stand out

• Regulatory credibility – All listed sites hold licenses from respected bodies such as the UK Gambling Commission (UKGC) or the Malta Gaming Authority (MGA). This ensures that player funds are protected and that the operators adhere to strict fairness standards.
• Fast payouts – While the focus here is on deposits, these operators also process withdrawals quickly, often using the same banking channels that support PayID.
• Generous promotions – The “Max Bonus” column shows the highest welcome‑match amount available to Australian players. Many of these offers are tied to a minimum PayID or POLi deposit, encouraging the use of instant banking methods.
• Localised support – Customer service teams are staffed with Australian agents, making it easier to resolve any deposit issues related to PayID or POLi.

Additional Considerations

When selecting a casino, players should also evaluate:

• Mobile compatibility – Most of the platforms listed provide fully‑optimised mobile apps that integrate PayID and POLi without leaving the app environment.
• Game variety – From pokies to live dealer tables, the operators above feature extensive libraries from providers such as Aristocrat, Microgaming, and Evolution Gaming.
• Responsible gambling tools – Features like deposit limits, session timers, and self‑exclusion are mandatory under Australian law and are implemented comprehensively by these sites.

By focusing on these criteria, Australian gamblers can enjoy a seamless deposit experience while staying within a safe and regulated environment.

All information reflects the state of the market as of early 2026. Players are encouraged to verify the latest terms on each casino’s official website before committing funds.