Yes, MiFinity works at a large share of the casinos we list: 65 of our 116 partner casinos accept MiFinity deposits and 63 pay out to it, and 34 of the 224 review-only casinos we track take it for deposits, 25 of them also for withdrawals. Paying a casino and receiving a payout cost nothing at MiFinity's end; the costs sit at the edges: 1.8% to load the wallet with an EEA card, up to 4% with an interregional Mastercard, and a currency conversion fee of $1.90 on small amounts. MiFinity does not serve the United States, Russia, Ukraine, Belarus or 19 other countries. Here is what those numbers mean for a real deposit and payout.
From 0% to 10.5%: what loading the wallet costs
MiFinity's fee page lists free top-ups by SEPA bank transfer, by Interac e-Transfer and Interac Request Money in Canada, and 0% by Wero. Cards cost 1.8% for Visa and Mastercard issued in the EEA, 2.5% for non-EEA Visa, 3.5% for interregional Visa and 4% for interregional Mastercard, and the same rates apply through Apple Pay and Google Wallet.
Local methods vary a lot. iDEAL and Bancontact cost a flat €0.50, Blik 3%, Pix 4.5%, Western Union 4.5%, CashtoCode 7.5% and Paysafecard 10.5%. Latvian and Lithuanian banks cost 7% plus €0.35. Crypto top-ups through Cryptopay cost 1.8%, and the MiFinity eVoucher 4.5% or 5.5% depending on currency.
On a €100 top-up that is €0 by SEPA, €0.50 by iDEAL, €1.80 by EEA card, €4 by interregional Mastercard and €10.50 by Paysafecard. Loading €50 a week by EEA card costs €46.80 over 52 weeks; by SEPA it costs nothing.
Paying a casino: free inside the wallet, with a 23-country gap
In our data, 86 of the 99 casinos that accept MiFinity also pay withdrawals to it. The fastest crypto and e-wallet payouts come from BitStarz (0-1 hours).
Moving money between your own MiFinity eWallets is free, and so is receiving money. Sending to friends and family costs 1% with a maximum of €10, so a €500 transfer costs €5 and anything from €1,000 upwards costs the capped €10.
MiFinity has no general gambling ban. Its terms (clause 13.2) forbid payments to and from illegal gambling services and name the USA, Turkey, China, Malaysia and Israel as countries where online gambling is illegal, a list the terms call not exhaustive. Separately, its non-serviced list names 23 countries, among them the United States, Russia, Ukraine and Belarus, whose residents cannot open an account.
One more card rule applies in Belgium: the EEA terms (clause 9.9.1) say the Belgian Gaming Commission banned credit cards for funding gaming wallets, while debit and prepaid cards still work. Wildz asks for a minimum of €10 on MiFinity, as on its cards; other casinos' MiFinity minimums are not stated by the casinos or the review sites.
- Open a MiFinity account; you can pay right after sign-up.
- Top up by the cheapest route in your country, SEPA or Interac at 0% where available.
- Pick MiFinity in the casino cashier, log in to the wallet and approve the payment.
Payout times at our casinos: 0-1 hours to 5 days
MiFinity publishes no payout time for casinos, so the speed depends on the casino's approval. Most of the 65 partners with MiFinity state 0-24 hours for e-wallets. GGBET, BitStarz, PlayAmo, Woo, National, NeoSpin, Spinch and Loki are among the 13 that state 0-1 hours, CampeonBet states 0-2 hours and FreakyBillion 0-48 hours. At the slow end, Nomini and Librabet state 24-72 hours, IceCasino 0-96 hours, Boomerang.bet 0-5 days, and Boomerang and MrPacho 3-5 days. The figures cover e-wallets in general, not MiFinity alone.
Among the review-only casinos with MiFinity, 13 state 0-24 hours, 5 state 0-1 hours, 4 state 0-72 hours, 3 state 0-2 hours and 2 state 0-5 days.
- Deposit with MiFinity but no MiFinity payout among partners: BC.Game, Bizzo, CasinoChan and Spinando (4 of 65).
- Same gap at review-only casinos: Rolletto, Lucky Days, Banzai Slots, Spin Casino, MyStake, Lucky31, Slottica, Caxino and Martin (9 of 34).
Casino payout caps decide how fast a big win arrives
Across the 39 casinos above where we have bonus terms, the average welcome bonus wagering is 37x.
MiFinity's terms say upload, payment and withdrawal limits exist and depend on your country and verification level, but the terms give no number. The caps you actually meet come from the casino. GGBET pays up to €9,000 per transaction. 20Bet allows €4,000 per day, €10,000 per week and €40,000 per month. PlayAmo, Woo and National allow €4,000 per day, €16,000 per week and €50,000 per month. Spinch allows €5,000 per transaction, €10,000 per day and €60,000 per month, and NeoSpin €20,000 per week and €60,000 per month.
Boomerang and MrPacho cap payouts at €500 per day and €7,000 per month, and Svenbet at €1,000 per day and €7,000 per month. A €5,000 win at Boomerang therefore takes at least 10 days to withdraw, on top of its stated 3-5 days of processing, while at Spinch it fits into one €5,000 transaction. BitStarz and HitNSpin list no limits.
Wallet to bank: 1-2 days, fee not published
MiFinity's homepage says a bank withdrawal takes 1-2 days, counted in working days, and that a withdrawal marked On Hold KYC can take up to 24 hours. The EEA terms (clause 3.5) set no minimum withdrawal amount.
The size of the bank withdrawal fee is not stated: the fee page links elsewhere without a figure, and the terms (clause 14.4) only say withdrawals carry withdrawal and currency conversion fees.
Conversion is published. Converting up to $250 costs a flat $1.90, from $250 to $2,500 it costs 0.76%, and from $2,500 it costs a flat $19. The fee page adds a markup on the wholesale rate of typically up to 2.99%, or up to 3.99% for some exotic pairs. On $1,000 the fee is $7.60, and a 2.99% markup on the same $1,000 would add up to $29.90. Holding the casino's currency in one of up to 9 eWallets (18 currencies) avoids this.
Verification, licences and the fees for mistakes
Outside the EEA, MiFinity asks for proof of identity with a selfie; inside the EEA it also asks for proof of address. MiFinity UK Limited is authorised by the UK FCA under the Electronic Money Regulations 2011 (register reference 900090), and Mifinity Malta Limited by the Malta Financial Services Authority under the Financial Institutions Act 1994 (registration C64824).
The terms list fees that only hit when something goes wrong: up to €10 for a withdrawal to a payment instrument not in your name, up to €25 to reclaim money sent to the wrong instrument, €25 per chargeback and up to €150 for prohibited or unapproved transactions. Your liability for unauthorised transactions is capped at €50 under the EEA terms and £35 under the non-EEA terms.
Dormant accounts pay €1 per month. The fee page starts this after 12 months without a login, the EEA terms after 24 months, with at least 30 days of notice. A wallet left idle for a year after the fee starts loses €12.
Myths vs facts
- Myth: MiFinity costs nothing because the casino charges no fee.
- Fact: The casino payment is free, but card top-ups cost 1.8% to 4%, conversion costs $1.90 to $19 plus a markup of up to 2.99%, and bank withdrawals carry an unpublished fee.
- Myth: Every casino that takes MiFinity deposits pays out to MiFinity.
- Fact: 4 of our 65 MiFinity partners and 9 of 34 review-only casinos list it for deposits only.
- Myth: Anyone can open a MiFinity wallet.
- Fact: Residents of 23 non-serviced countries cannot, including the United States, Russia, Ukraine and Belarus.
Before you deposit with MiFinity
- Top up by SEPA, Interac or Wero (0%) rather than by card (1.8% to 4%).
- Hold the casino's currency in one of your up to 9 eWallets to avoid conversion.
- Check that your casino pays out to MiFinity, not only accepts deposits.
- Finish verification before a big withdrawal so it is not held for KYC.
- Log in within 12 months to avoid the €1 monthly dormancy fee.