What are the best payout online casinos in Canada for December 2025
The “best payout” casino title changes hands often. I have worked with the wider team of Covers experts to review 35+ Canadian online casinos and find out which sites are paying players the most right now.
Best payout Canada online casino
We’ve picked out several high RTP casinos worthy of your time, but currently we rank Mafia Casino as our best payout casino in Canada.
You’ll find the key details for our top-ranked sites below, with everything you need to know about each casino’s bonuses, best payout rates, highest RTP games, and payments so you can get up and running in no time.
Here are the highest-payout online casinos in Canada for 2025:
Best payout online casinos compared
| ⚖️ Compare | |||||
| 🏆 Win Rate | 98.9% | 98.8% | 98.6% | 98.5% | 98.48% |
| 1️⃣ Best RTP Game | Jacks or Better | European Blackjack | Multi-hand Blackjack Surrender | Jacks or Better | Joker Poker |
| 🎰 Best RTP Slot | Book of 99 | Book of 99 | Book of 99 | Book of 99 | Book of 99 |
| 💰 Payout Time | 1-3 days | 1-3 days | Up to 48 hours | 1-5 days | 1-3 days |
| 🏦 No. of Payment Methods | 9 | 13 | 19 | 7 | 16 |
| 💵 Minimum Deposit | $30 | $20 | $20 | $10 | $30 ($15 for Bonus Crab only) |
🚨 A quick discussion about RTP 🚨
When talking about the best payout online casinos in Canada, the metric we default to is RTP, or Return to Player. This is the percentage of your money you can expect to get back from casino games in the long run. For example, a site with 98% RTP will return $98 for every $100 wagered on average.
However, RTP is a long-term measurement so your short-term results could vary quite a bit. At the end of the day, it is only the average, and there is nothing you can do to tilt the odds in your favour. Still, if you want the most bang for your buck, stick to the highest RTP casinos and games you can find.
Top 5 highest RTP Canadian online casino sites reviewed
1. Mafia Casino - 98.9% RTP
Mafia Casino has established itself as the highest-payout casino in Canada, thanks to its incredibly high overall RTP of 98.9% and games with generous payouts, such as Canadian online slots Book of 99 and White Rabbit Megaways. The table game offerings are top-notch as well, including high-RTP and player-friendly variants like 3D baccarat and speed blackjack. Throw in a big jackpot section, and you have all the ingredients for a site that actually gives something back.
✅ Great welcome bonus and ongoing offers
✅ Five-tier VIP program
✅ Accepts crypto and flat currency
❌ No casino app in the App Store

Mafia Casino quick facts
| 👋 Welcome offer | 100% Match up to $750 + 200 Free Spins + 1 Bonus Crab |
| 😎 RTP | 98.9% |
| 💵 Minimum deposit | $10 |
| 🏦 Banking methods | Mastercard, Visa, Neosurf, Paysafecard, Skrill, Neteller, Cash2Code, Jeton, MiFinity, Binance Pay, Bitcoin, Litecoin, Doge |
| 🕹️ Trending games | Hot Hot Fruit, Buffalo King Megaways, Wolf Gold, Valley of the Gods, Gates of Olympus, Sweet Bonanza, and Wealth Inn |
| 🕒 Payout speed | 1-3 days |
| 🔗 Key links | Mafia Casino review |
2. RoboCat Casino - 98.8% RTP
RoboCat Casino may look silly and cartoonish on the surface, but the site doesn’t play around when it comes to paying out players, as its overall RTP is just a hair below Mafia’s at 98.8%. Much of the value here comes from its exclusive slot games, many of which boast RTPs in the 96-98% range. Alongside other high-RTP slots like Blood Suckers and Book of 99, table games like baccarat and poker boost the payout rates even higher. Plus, ongoing tournaments allow you to pad your bottom line no matter what game you’re playing.
✅ Hundreds of exclusive high-RTP slots
✅ Thousands of dollars at stake in weekly tournaments
✅ Lots of ongoing promos and bonuses
❌ Some offers are restricted to VIP members

Robocat quick facts
| 👋 Welcome offer | 120% Match up to $10,000 + 300 Free Spins |
| 😎 RTP | 98.8% |
| 💵 Minimum deposit | $20 |
| 🏦 Banking methods | Visa, Mastercard, Interac, PlayID, Neosurf, Paysafecard, Skrill, Neteller, Cash2Code, Jeton, MiFinity |
| 🕹️ Trending games | Gates of Olympus, Book of Dead, Legacy of Dead, Big Bass Bonanza, Sweet Bonanza, Starburst, Cleopatra, 9 Masks of Fire, Mega Moolah, Royal Riches Roulette, Bet Behind Pro Blackjack, Baccarat High-Roller, Super 8 Baccarat, Casino Hold ’Em Live, Caribbean Poker Live, Snakes and Ladders, Mega Wheel, Travel Fever |
| 🕒 Payout speed | 1-3 days |
| 🔗 Key links | RobotCat Casino review |
3. TonyBet Casino - 98.6% RTP
While it may be more famous as one of Canada’s top sports betting sites, TonyBet is making a serious name for itself on the casino side as well, with one of the best real money casino apps. Thanks to its 98.6% overall RTP, it’s also one of the best payout online casinos Canada has to offer. Most of the slots here boast higher-than-average RTPs, including Book of 99 and Big Sugar Bonanza. Features like bonus buys, drops, and wins can also boost your chances of winning. The site is generous with promotions as well, giving away thousands in free cash every month.
✅ Offers some of the most popular slots in the world
✅ Welcome bonus up to $2,500 + 225 free spins
✅ Tons of regular promotions
❌ Many deals reserved for sports bettors only

TonyBet Casino quick facts
| 👋 Welcome offer | $2,500 Deposit Match + 225 Free Spins |
| 😎 RTP | 98.96 |
| 💵 Minimum deposit | $20 |
| 🏦 Banking methods | Mastercard, Visa, Neosurf, Paysafecard, Interac |
| 🕹️ Trending games | Wild West Trueways, Sugar Rush, Zeus vs Hades, Wolf Gold, 243 Coins of Fortune, Wolves! Cash Collect & Link, Ruby Joker, Book of Atem WowPot, Extra Chilli Megaways |
| 🕒 Payout speed | Within 48 hours |
| 🔗 Key links | TonyBet Casino review | TonyBet Casino bonus code |
4. Lucky Spins - 98.5% RTP
If you’re after massive paydays, Lucky Spins Casino is the place to chase them. Alongside its 98.5% RTP, there’s an entire section dedicated to slots with max payouts of 10,000x or more, giving you the chance to change your life in a single spin of the reels. You can do more than hit it big here, though, as the high-payout casino offers plenty of games across its online slots, table games, and live dealer verticals. If you want tons of fun, strategy, and top payouts, we recommend live dealer Jacks or Better Draw Poker.
✅ Great selection of huge payout slots
✅ Live dealer poker games with 99%+ RTPs
✅ Massive progressive jackpot titles like Mega Moolah
❌ Limited number of bonuses

Lucky Spins Casino quick facts
| 👋 Welcome offer | $500 Deposit Match + 500 Free Spins |
| 😎 RTP | 98.5% |
| 💵 Minimum deposit | $10 |
| 🏦 Banking methods | Mastercard, Visa, and more |
| 🕹️ Trending games | 3 Christmas Pyramids: Hold & Win, Penguin King, Crack & Smash the Piggy Bank, Book Of Abyss, Just Slots, The North Star Express - Hold & Win |
| 🕒 Payout speed | 1-5 days |
| 🔗 Key links | Lucky Spins Casino review |
5. Frumzi Casino - 98.5% RTP
While many of the games at Frumzi Casino have high payouts, as shown by its above-average 98.48% overall RTP, the casino finds other ways to ensure loyal players walk away with a little jingle in their pockets. Most notable is the ability to exchange coins that you’ve earned for cash rewards (up to $1,000 at a time). You can also find weekly reload offers, 10% cashback, regular free spins, fast withdrawals, and even cashback on live dealer games like No Commission Baccarat.
✅ Can exchange player points for cash
✅ Multiple cashback offers
✅ High RTP games in the live dealer section
❌ Smaller bonus amounts than other top sites

Frumzi Casino quick facts
| 👋 Welcome offer | 100% up to $750, 200 Free Spins + 1 Bonus Crab |
| 😎 RTP | 98.9% |
| 💵 Minimum deposit | $30 ($15 for Bonus Crab only) |
| 🏦 Banking methods | Interac, FunID, Visa, Mastercard, Neosurf, Paysafecard, Skrill, Neteller, Cash2Code, Jeton, Mifinity, BinancePay, Bitcoin, Litecoin, Dogecoin |
| 🕹️ Trending games | Gold Saloon Roulette VIP, Immersive Roulette, Lightning Storm, Snakes & Ladders, Hyper Speed Baccarat, Boom City, Casino Hold’em, Sweet Bonanza Candyland, Red Door Roulette |
| 🕒 Payout speed | 1-3 days |
| 🔗 Key links | Frumzi Casino review |
This week's play test - Mafia Casino
🔍 Mafia Casino under the spotlight
Mafia Casino promises the highest RTP of any gambling site in Canada at 98.9%, but I wasn’t about to take the casino’s word for it. Over the course of a couple of weeks, I played a variety of games and meticulously tracked my results to see how the actual payout percentage stacked up against the advertised one. I was pleasantly surprised by the results, with my personal RTP coming in at 99.1%. Maybe there is such a thing as an honest wise guy, amirite?
📃 Testing the slots
I started in the slots section, focusing on the site’s highest-RTP games. The standout was Book of 99 with a massive 99% RTP, where over roughly 100 spins I hit the free spins once for a 215x win on my $1 bets, and my longest losing run was 10 spins.
Next up was White Rabbit Megaways at 97.24% RTP. Across about 200 spins, I had a longest dry spell of 13 plays and a top win of 122x my $1 stake, which gave my balance a big boost and felt typical for a high-RTP slot.
After trying a few other notable slots like Book of Dead, I ended my slots session with an overall RTP of around 97.5% — a strong result for slots, even if the sample size wasn’t big enough to be truly conclusive.

🃏 Roughin' up the live dealer
It was time to take my money and my luck over to the live dealer games section. I played a few blackjack tables, all of which promised 99%+ RTPs. My efforts here were rewarded more than at the slot machines, and I was up a modest amount, enough to boost my overall RTP to around 101%.
Roulette was next; I skipped the American wheels and stuck to French and European options that feature higher RTPs. I only placed 50/50 bets like red/black and even/odd, and as you might expect, I basically broke even.
😂 A wise guy's always right. Even when he's wrong, he's right.
In the end, my RTP settled in around 99.1%, which is a bit higher than what’s advertised and supports the claim that Mafia Casino is one of the highest payout casinos in Canada. However, this was a small sample size of several hundred plays, so variance (and game selection) was undoubtedly a factor.
I was also impressed by the overall look and feel of the site. It leans heavily into the Grand Theft Auto theme, and everything is well-categorized, making it easy to find the games you want. Banking was painless as well, with the various cash-out and deposit options laid out neatly so it was easy to see exactly when I’d get paid or how much I’d need to deposit.
High payout vs. fast payout
Phrases like “highest paying” and “fastest paying” are thrown around a lot when it comes to online casinos, but what do those terms really mean?
📕 The 'textbook definition' of best payout casinos
If you’re being strict about definitions, then the “best payout” casinos are those that have the highest overall RTP percentages. These are the ones where you theoretically stand the best chance of walking away a winner at the end of your session.
⏰ The nuance of 'fastest payout casinos'
On the other hand, “fastest cashouts” refers to how long it takes the casino to process your payment and physically put the money back into your account. This length of time can vary wildly from site to site. Some fast payout casino sites do it almost instantly, while others can take days and ask you to jump through multiple hoops just to get your money back.
🧐 How best and fastest payout casinos work hand-in-hand
While these two concepts are very different, the fact of the matter is that many of the best payout casinos often have the highest payout games and the fastest cashouts. It all comes down to respect for their customers and a commitment to treating them fairly.
How we rate the best payout online casinos in Canada
When picking the best payout online casino Canada has to offer, the Covers team goes far beyond gut feelings and puts every site through a rigorous testing process to see which casinos actually pay out.
Here’s how we rate the best payout Canada casinos:
✅ We look for the best overall RTP
✅ High RTP games
✅ Proper licensing and game fairness
✅ Trustworthy payment methods
✅ Customer-friendly bonuses and promotions
✅ A solid overall experience
The best payout slots in Canada
Want to know the exact slots to play for the best possible returns? Our experts have tracked down the highest RTP games currently widely available at Canadian online casinos, so you can find ones that won’t waste your time (or your cash).
Here are 15 of the best:
| 🎰 Slot | 🕹️ Provider | 💰 RTP | 🏦 Best Casino |
|---|---|---|---|
| Ugga Bugga | Playtech | 99.07% | Mafia |
| Book of 99 | Relax Gaming | 99.0% | Frumzi |
| Mega Joker | NetEnt | 99.0% | Mafia |
| Jackpot 6000 | NetEnt | 98.9% | TonyBet |
| 1429 Uncharted Seas | Thunderkick | 98.6% | Lucky Spins |
| Matching Legions | Relax Gaming | 98.12% | Frumzi |
| Blood Suckers | NetEnt | 98.0% | RoboCat |
| Jokerizer | Yggdrasil | 98.0% | Mafia |
| Money Cart 2 | Relax Gaming | 98.0% | RoboCat |
| Money Cart Bonus Reels | Relax Gaming | 98.0% | RoboCat |
| Starmania | NextGen | 97.87% | Mafia |
| White Rabbit Megaways | Big Time Gaming | 97.72% | Mafia |
| Blood Suckers Megaways | Red Tiger Gaming | 97.66% | Lucky Spins |
| Medusa Megaways | NextGen | 97.63% | Frumzi |
| Sugar Rush 1000 | Pragmatic Play | 97.5% | Lucky Spins |
How jackpots and max win amounts impact slot payouts
While regular payouts are fun, jackpots are what keep players coming back to their favourite slots again and again. That’s especially true when progressive jackpots are involved — these games have prize pools that increase with every bet placed, often reaching staggering amounts (think 7-figures+).
™️ The tradeoff of massive jackpots
However, the tradeoff for these massive paydays is that feeding the jackpot takes a small chunk out of your winnings. Take the most famous progressive slot of all, Mega Moolah. Its RTP is below 90% because you have to feed four different jackpots with every spin.
The jackpot amount also gets calculated into the RTP. A slot that pays millions after thousands of spins shows a spike in its payout percentage, but most players won’t ever see that benefit — meaning the effective RTP is lower in reality.
🤬 Volatility and emotional play
Progressive jackpot slots tend to be more volatile than other slots — meaning you won’t win as often, but when you do, the amounts are larger. This means that math isn’t the only factor; your emotions play a big part, too.
Can you handle extended dry spells if the payoff at the end is worthwhile? Or do you need a steady drip of smaller wins to stay engaged?
🤔 Choosing your strategy
If you have the bankroll and want a shot at the payday of a lifetime, betting max on progressive slots is the way to go. But if you prefer longer sessions with steady wins (even if it means sacrificing a lottery-ticket chance), better payouts can be found elsewhere.
My favourite high-paying slot
🔍 1429 Uncharted Seas in focus
After spending time playing some of the highest RTP slots in Canada, my top pick would have to be 1429 Uncharted Seas by Thunderkick. With an RTP of 98.6% and a maximum win of 670x your stake, this game strikes a balance between steady payouts and above-average RTPs. Throw in some free spins, expanding wilds, compass scatters, and mermaid-led bonus rounds, and you have the recipe for a rollickin’ good time.
The theme is beautiful and striking, as you’re transported back in time to a ship on the high seas in the 15th century. You’ll encounter sea creatures, maritime accessories, and even other vessels on your adventures, and the soundtrack does a beautiful job of setting the tone for every spin.

| 🏴☠️ Game | 🕹️ Developer | 💰 RTP | 🎰 Paylines | 💥 Min bet | 🔥 Max bet |
|---|---|---|---|---|---|
| 1429 Uncharted Seas | Thunderkick | 98.5%–98.6% | 25 | $0.10 | $100 |
Which online casino game pays the most?
If you want to set up shop at the highest-payout game in the casino, head for the video poker section.
These games have high baseline RTPs (usually north of 99%).
| 🎮 Game | 💰 RTP | 🎲 Notable Variations |
|---|---|---|
| Video Poker | 99.50% | Jacks or Better, Deuces Wild |
| Blackjack | 99.41% | Single Deck Blackjack, Early Surrender Blackjack |
| Baccarat | 98.94% | Punto Banco, No Commission Baccarat |
| Craps | 98.59% | Pass/Don’t Pass |
| Roulette | 97.30% | French Roulette, European Roulette |
😎 Calling the house's bluff
The mechanics of video poker games are simple. You’re dealt five cards, and you decide which ones to keep and which ones to discard. You then get paid based on the strength of your hand according to a predetermined paytable. If you’re someone who likes having the maximum amount of control over the outcome of each session (and you hate paying off casinos), then video poker machines have your name all over them.
🤔 Stand on 17?
Beyond that, almost all of the other highest-paying games are in the table games section. Blackjack games can have sky-high RTPs of above 99%, and baccarat is another reliable option if you bet intelligently. The latter boasts an RTP of around 98.9%.
♥️ Put it all on red
Roulette can also have a low house edge, but only if you pick your table wisely. Avoid American roulette tables (the ones with two zeroes on the wheel), as these have an RTP of 94.74% (compared to the 97.3% RTP of European and French variants).
Games to avoid
Knowing which casino games to avoid can be as important as knowing which ones to play. Niche games like keno and scratch cards often come with some of the lowest RTPs of anything a casino offers. It’s not unusual to find these games with RTPs as low as 65%, but even the better ones usually top out in the low 90% range.
👼 The little details
Also, you may see some variations of games that have higher RTP percentages, while others are more likely to include rules that tilt the odds back towards the house and lower the RTP. Roulette is a good example. If you play French or European roulette, you’ll have pretty good odds (about 97.3% RTP on average). If you play the double-zero American version, though, the house edge immediately doubles.
How payout percentages are calculated
For slots and other casino games, software developers will program the RTP into the game when they make it. It’s all part of the algorithm, taking into account things like paytables, features like bonuses, and more.
After that, the games are tested by independent auditing companies to ensure that the actual RTP matches what’s posted. This is done to protect players from being tricked into playing games with lower RTPs than what’s been promised.
For other games, like live dealer games with real cards or roulette wheels, the RTP is calculated using a mathematical assessment of the game.
It’s important to understand that the RTP for each game is fixed; that is, casinos can’t manipulate it at will. So, if you’re having a bad stretch of luck on a high-RTP game, it’s almost certainly variance, not the casino pulling a fast one on you.
How to spot a good payout percentage
A “good” payout percentage will vary depending on which game you’re playing. These are the RTPs that are commonly considered good for various games:
| Slots | The average RTP for online slots is 96%, so anything higher than 96% is considered good, but some games have RTPs north of 98%. |
| Table Games | Some games, like blackjack and baccarat, offer RTPs in the 99% range, while some roulette variants boast RTPs of around 97.3%. |
| Video Poker | Look for games with at least 99% RTP, but some actually have returns above 100%. |
It’s also important to understand that these numbers assume you’re using a proper strategy. If you’re hitting on 20 at the blackjack table or betting on a tie in baccarat, your RTP is going to be much lower than what’s listed here.
How casinos make games random
First off, it’s important to understand that casinos don’t make games random — software developers do. Casinos just have to prove to licensing agencies that the games are random, but they don’t have any control over the actual randomness of the games themselves.
Software developers include things called random number generators (RNGs) in their games. These produce sequences of numbers with no discernible patterns, ensuring every spin of the reel or roll of the dice is unique and not influenced by previous events. Again, the RNGs are independently audited, so neither the software developers nor the casinos can manipulate them to take advantage of you.
How bonuses affect payouts
A good online casino bonus can dramatically increase your potential payouts from a casino, but bad ones can be money traps that keep you chasing a payoff that will never come. It all comes down to the fine print. It’s here that you’ll find things like wagering requirements, game restrictions, no-deposit bonus stipulations, and bet limits.
👀 Watch the wagering requirments
Wagering restrictions dictate how many times you must wager the bonus before you cash it out. The industry average is around 35x to 40x, but you can find examples of lower like the 30x attached to the current 888casino bonus. Anything higher than 40x indicates the casino has no real intention of letting you walk away with any bonus cash. Likewise, not all games contribute equally to wagering requirements. Lower-RTP games like slots and keno usually contribute 100%, while higher-payout options like blackjack may not contribute at all.
🕵️♂️ Read the fine print on wagering limits
Bet limits also matter. Some sites restrict how much you can bet with bonus money, as betting the max is often the best way to unlock a game’s full RTP. All of these things can turn a dream bonus into a nightmare, which is why you should always read the terms and conditions before signing up.
How to find out a casino’s win rate:
If you’re not sure exactly how to find a casino’s win rate, don’t worry. It’s an easy, three-step process:
Bookmark this page
We regularly update our rankings of the best payout online casinos in Canada, so if you’re looking for the most up-to-date information on your favourite sites, you can usually find it here.
Check the casino’s payout page
Casinos often publish the results of their payout audits directly on their website. You can find them under titles like “Fair Play” or “Payout Information.”
View the pay table for every game
Reputable casinos publish pay tables for every game; these tables spell out expected RTP, volatility, rules, and other important info.
Why trust Covers’ best payout ratings?
Many other casino review sites simply take casinos and software providers at their word, parroting the same RTP that the developers have claimed from the game’s release. This is fine — so long as the sites and games providers are trustworthy. We always prefer to verify these things ourselves, which is why we spend the time to actually play the games and track our results rather than taking things at face value.
It’s part of Covers’ 30-year history of providing true value to readers. We do the work to give you the information you need, because we believe that’s the kind of value you can’t fake — and the kind of value that turns one-time visitors into lifelong fans.





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Responsible gambling tools in Canada
Responsible gaming is a national priority in Canada’s gambling industry. Operators are required to offer transparent tools that help players manage their gambling responsibly.
Resources like PlaySmart.ca provide Canadians with guides, helplines, and support. Other organizations such as iGaming Ontario, GamTalk, and the Responsible Gambling Council connect players with help and treatment services across the country.
Gambling helplines
| Organisation | Phone number |
|---|---|
| The Centre for Addiction and Mental Health | 1-800-463-2338 |
| ConnexOntario | 1-866-531-2600 |
| Credit Canada | 1-800-267-2272 |
| Ontario Problem Gambling Helpline | 1-888-230-3505 |
| Responsible Gambling Council | 1-416-499-9800 |
Remember, the house always has the edge. Play responsibly and never wager money you can’t afford to lose. If gambling becomes a concern, resources and self-help tools are available across Canada — including self-exclusion and deposit limits — to help you take control.
Best payout online casinos in Canada FAQ
According to our testing, Mafia Casino currently has the best payouts in Canada — but it’s close. With a 98.9% overall RTP, it narrowly edged out RoboCat Casino, which sits at 98.8%. Both of these sites significantly outpace the industry average, giving you the best possible value for your money.
Currently, Book of 99 by Relax Gaming has one of the best RTPs of any slot game on the market. At 99%, the house barely has an edge, as you’ll get $99 back for every $100 you wager on average over time.
There are a few slot games that have 99% RTP or higher. The most notable, as mentioned above, is Book of 99 by Relax Gaming. Mega Joker by NetEnt also has an RTP of 99%, while Ugga Bugga by Playtech has an 99.07% RTP. Any of these games will give you the most bang for your buck (theoretically, of course).
Christian Holmes is a Casino Content Editor at Covers, specializing in Canadian online casinos, sweepstakes platforms, and promotional offers. Based in Fergus, Ontario, Christian combines editorial precision with a player-first mindset to produce trustworthy reviews, bonus breakdowns, and up-to-date coverage of the online casino industry.
















