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Card vs POLi vs Crypto — What Cleared Fastest For You?

Trying to chase real NZ times. Card vs POLi vs crypto — what is genuinely fastest and cheapest for you? Please post bank, type of payment, time taken in & out, as well as any fees that dinged ya!

ANZ debit card deposit via the casino Jackpot City is instantaneous. First withdrawal took over two working days, thereafter about 36 hours. No additional charge from the casino. However, I did get charged FX fees since the casino has USD as the gaming currency. Accepting the "new merchant alert" notification in the app solved the problem of one of the declines.

USDT on TRC20 at Kryptosino took around 12 minutes once approved. This is the slow part: NZ bank to exchange. My bank transfer reached the exchange a few hours later. There is no charge that matters on TRC20. I do not use ERC20 if gas is high.

POLi appeared as paid immediately in ASB; however, the casino balance only updated 30–60 minutes later depending on the site. Withdrawals are still credited back to the card/e-wallet. No speed win there either. No fee was charged on the POLi deposit; a small fee was added on withdrawal by one of the sites.

Card cashout sometimes involved a "processing" line of 2–3% even if the deposit fee looked free. A small % is charged by the e-wallet to fund, as well as a cashout fee to bank, but casino to e-wallet is fast and free of charge. Crypto is the cheapest if I only transact in TRC20/SOL.

KYC process flowed smoothly as I had to do exchange and casino verification prior to gaming. Passport and photo were verified in minutes. Proof of address did not work when I submitted a flat’s electricity bill; a bank statement showing address worked. Names need to match between bank, exchange, casino, or no payments will come through.

It kept looping on home Wi-Fi with the Westpac Mastercard on the 3DS. Changed to mobile data; first try went through. Now I follow the first win with a test withdrawal of $10 to $20; if that goes in, I’m scaling.