Payments · New Zealand

Getting money in and out, from New Zealand

What deposits work, what actually pays back out, and the limits and rules around both.

Updated 2026 • smokosnz.com

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Depositing and withdrawing use different rails - sort it out before you fund the account, not after you've tried to cash out.

Depositing

VisaMastercardApple PayCrypto
WhatThe facts
Minimum deposit$20
Account currencyLocked in as NZD at signup.
ProcessingCard, Apple Pay and crypto deposits are usually credited straight away.

Withdrawing

Bank transferCrypto
Cards aren't a withdrawal option for New Zealand players, even though they're fine for depositing. Visa and Mastercard payout rails both have country restrictions that leave New Zealand out - bank transfer and crypto are what's confirmed to actually work.
WhatThe facts
Bank transfer payout time~3 banking days
Monthly withdrawal cap$50,000 per month (VIP exceptions possible); wins above $50,000 may be paid in monthly $50,000 installments
Before you can withdrawDeposit has to be wagered at least once first.
Closed-loop ruleWithdrawals return to the method you deposited with.

Questions Kiwi players ask

Can I withdraw to my card in New Zealand?
No - card payout rails don't cover New Zealand. Bank transfer and crypto are confirmed to work.
What's the minimum deposit?
$20.
How long do bank transfer withdrawals take?
~3 banking days.
Is there a withdrawal cap?
$50,000 per month (VIP exceptions possible); wins above $50,000 may be paid in monthly $50,000 installments