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The Best INSTADEBIT Casinos in Canada

INSTADEBIT is a Canadian online payment system that functions as an e-cheque, allowing users to make payments directly to merchants using the funds in their bank account. INSTADEBIT casinos are only available for Canadian residents who bank in Canada.

The 15 Best INSTADEBIT Casino Sites

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INSTADEBIT is a bank-to-bank payment option, vaguely similar to an e-wallet casino payment with the exception that you can’t keep funds on their own servers. Rather, you should look at INSTADEBIT as a third-party facilitator standing between your bank account (from where it is funded) and the merchant, making it more similar to an online e-cheque. When you’re playing at an online casino, the funds will come from your INSTADEBIT account, thus hiding your banking and personal details from the casino.

INSTADEBIT at Canadian Online Casinos

The company is servicing Canadian customers exclusively. In fact, you’ll be needing your Canadian social security number, along with a Canadian bank account in order to join. For the most up-to-date INSTADEBIT casinos list, please check out our Top 15 INSTADEBIT casinos above.


The payment processor started in Toronto in Canada in 2003, with the aim of catering to the needs of Canadian social media users, video game players and gamblers at Canadian online casinos. Today, the company consists of two parts: one based in Toronto and the other one in Malta.

Using INSTADEBIT in Online Casinos

Probably the best way to look at INSTADEBIT is as a proxy between the payer and the online recipient. Every time you send a payment, it’s processed twice – once by INSTADEBIT, and then again by your bank. When you’re using this payment service for playing online casino games, the casino can only see the part of the transaction that went through INSTADEBIT, meaning that all your banking details are never divulged. This makes it a perfect solution for privacy-conscious players.

How to Set up an INSTADEBIT Account

If you’re about to sign up to an INSTADEBIT online casino, then you need to look out for the INSTADEBIT link. This will be among the payment options needed to fund your account, and can usually be found on the sign-up page of the casino site in question. Otherwise, head over to the official INSTADEBIT site and you’ll find the sign-up button to create an account at the top of the page. You will need to enter your personal details, including your date of birth, bank account details, and the last four digits of your SIN social security number. For added security, INSTADEBIT will make a tiny deposit into your bank account. Once you’ve received this, you'll need to enter a verification code to prove your identity. We should point out that not all Canadian banks will support INSTADEBIT. Those that do are The Royal Bank of Canada, The Canadian Imperial Bank of Commerce, The Bank of Montreal, and Scotiabank.

How to Make a Deposit at INSTADEBIT Casinos

Once you have registered, you can deposit funds into your INSTADEBIT account via credit card, bank transfer, or with any of the many e-wallets. Just follow these simple steps below:

How to Make a Deposit at INSTADEBIT Casinos
  1. Make sure you have enough funds in your INSTADEBIT account to cover the casino transaction.
  2. Make sure the currency is the same.
  3. After confirming the above, head over and create an account at a casino that accepts INSTADEBIT.
  4. Navigate to the deposit section and choose the INSTADEBIT option.
  5. Enter the deposit amount and the transfer will be instantaneous.
  6. Done! You'll be able to start playing straight away.

How to Make a Withdrawal at INSTADEBIT Casinos

To cash out, please go to the cashier’s section of the casino website and select “INSTADEBIT” as your preferred option. The money will go instantly to your INSTADEBIT account, and the transfer is completely free of charge. From here, you can decide to reuse it for playing more casino games or transfer it into your bank account. The transfer fee for this is fixed at $2.00 CAD for any amount. Please note that it can take between 2 – 5 days to reach your bank account.

Both depositing and withdrawing funds follow the same process. In the cashier’s section of the INSTADEBIT casino, confirm the service as your preferred payment option, and then simply put in the required amounts. The transfers are instant and without fees.


As mentioned above, INSTADEBIT itself doesn’t charge any fees for deposits and withdrawals. However, take note of the following service fees involving your bank account:

  • Merchant payment using INSTADEBIT, but via your bank account – $1.95 CAD
  • Merchant payment directly from INSTADEBIT account – FREE
  • Withdrawing funds from your INSTADEBIT account to your bank account – $2.00 CAD
  • Withdrawing casino funds to your INSTADEBIT account – FREE

Pros & Cons of INSTADEBIT

As one of the most efficient means of performing virtual money transfers, INSTADEBIT allows you to focus on playing casino games, all the while knowing that your funds are safe and secure. Nevertheless, as we can see below, there are a few drawbacks that you should be aware of.


  • Excellent security with SSL encryption
  • Very low fixed fees
  • 24/7 Live Chat customer support
  • Instant transfers
  • Few technicalities
  • Payments to merchants are free using your INSTADEBIT account
  • Account limits are set at $3,000 CAD; can be increased with additional documentation
  • Online payment processing since 2003
  • Customers remain anonymous to all online casinos


  • Canadian residents only
  • Transfers to your bank account can take up to 5 business days
  • Not all Canadian banks offer support
  • Time consuming, mandatory sign-up
  • Only currencies allowed are CAD or USD
  • $2.00 CAD to withdraw funds to bank account
  • Social Security number required to sign up
  • No mobile app
  • Fixed 1.95 CAD for any transfer for merchant payment using your bank account

Safety and Security

INSTADEBIT is without a doubt one of the most secure methods of moving funds for online payments. For one thing, you won't be sharing your banking details with INSTADEBIT casinos when using this payment method. Furthermore, any information about gambling transactions is transmitted using 128-bit encryption, preventing it from being intercepted by third parties.

Similar Banking Options Compared

There is certainly no shortage of virtual money payment systems available to casino players. However, although popular service providers such as PayPal, Skrill, and NETELLER are all robust payment platforms, neither PayPal nor NETELLER are available for online Canadian gamblers. That being said, they’re the top choice in many other English-speaking communities, so they have earned a place on our list. We'd have to say, though, that when it comes to fees, few can compete with Trustly, as its use is completely free of all charges.


A comparison of different banking options

Mobile Banking With INSTADEBIT

Unfortunately, there’s no mobile app available for INSTADEBIT. You’ll need to use a third-party mobile browser and deal with INSTADEBIT’s desktop interface on your phone. Though their website claims that the mobile site super-fast, mobile-friendly, and can be accessed from anywhere at any time, it is a long way from perfect – but still usable and functional.

INSTADEBIT Casinos Summary

Thanks to years of reputable service, INSTADEBIT has become a major player in the payment solutions space in Canada. As a result, all INSTADEBIT online casinos available in the country will allow you to create an account, providing you’re a Canadian citizen.


INSTADEBIT is a Canadian payment option for online use. It works as a “middleman” between your Canadian bank account and your casino account, allowing you to pay into your casino account instantly but without giving out your bank details to any third parties.

INSTADEBIT is only available in Canada for Canadian citizens over 18 years of age.

Yes you do, but only part of it. The last four digits will be used to verify your identity.

Absolutely – in fact, this is an area in which INSTADEBIT really shines. Not only does the company offer top-tier encryption, but by using your INSTADEBIT account to pre-fund your casino account, there’s no need to share your banking details with the casino.

You should allow between 3 – 5 working days for funds to appear in your bank account from an INSTADEBIT casino Canada account. If you want to then withdraw those funds from your bank account as cash, then you’ll need to wait your normal bank processing time. If you’re after your winnings in a hurry, be warned that you’ll need to wait a minimum of 6 business days until you can get your hands on them.

The first reason for selecting INSTADEBIT is speed. Transfers are instant without the added necessity of approval or verification, along with very low fees. Secondly, it’s an incredibly secure platform, and there are also no limits on your spending. Finally, the customer support is excellent.

Yes, they do! Many casinos that accept INSTADEBIT will offer welcome bonuses, free spins and cashbacks. We suggest that you check the terms and conditions of each online casino before you sign up and play.

After verification of your account, which involves sending some extra documentation, your spending limit will rise from its initial $3,000 CAD.


If you’re only using INSTADEBIT to both fund and withdraw directly to your INSTADEBIT account, then there are no fees. But if you move funds from your INSTADEBIT account to your bank, then that’s going to cost you a flat fee of $2.00 CAD. Likewise, loading your INSTADEBIT account from your bank will result in a flat fee of $1.95 CAD.

Interac, iDebit, Trustly, Citadel, and Payz all operate in a similar manner to INSTADEBIT. If you like, you can use your Visa credit card, but bear in mind that you can only cash out to a VISA deposit card if you do so (it’s the same story with Mastercard). Meanwhile, pay-by-phone options exist in the form of Boku and PayForIt. If none of these appeal to your, then you might prefer eCheck or Bitcoin. Please note, if you’re a Canadian resident, then you cannot use PayPal, Skrill or NETELLER.

You can sign up during your first transaction at INSTADEBIT casinos, or pre-register by going to the brand’s website.

Log in to your INSTADEBIT account and you’ll see your balance on your profile page, along with a withdrawal button. Fill in the required amount, and you’re good to go. You should allow between 3 – 5 business days for the funds to arrive.

INSTADEBIT only supports US and Canadian dollars.

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Iggy Fenech

Iggy Fenech

Author Expert

Iggy is a seasoned writer, editor, and strategist with over a decade's experience in content creation. Having contributed posts to the Malta iGaming Seminar 2014 blog and written content for the Malta Gaming Authority’s website, no topic is alien to him. Iggy especially likes to scrutinise casino operators and games to give his readers the best possible gambling experience.


ticksEditor since: 2020
ticksTotal posts: 582
ticksLanguages: English


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