Best Payout Online Casinos in Canada with 97%+ RTP

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.

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

	Mafia Casino	RoboCat Casino	TonyBet Casino	Lucky Spins Casino	Frumzi Casino
⚖️ Compare	Pin	Pin	Pin	Pin	Pin
🏆 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)

Top 5 highest RTP Canadian online casino sites reviewed

1. Mafia Casino - 98.9% RTP

⚖️ Mafia Casino's pros and cons

✅ 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

2. RoboCat Casino - 98.8% RTP

⚖️ RoboCat Casino's pros and cons

✅ 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

3. TonyBet Casino - 98.6% RTP

⚖️ TonyBet Casino's pros and cons

✅ 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

4. Lucky Spins - 98.5% RTP

⚖️ Lucky Spins Casino's pros and cons

✅ 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

5. Frumzi Casino - 98.5% RTP

⚖️ Frumzi Casino's pros and cons

✅ 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

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?

Christian Holmes Content Editor

📃 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:

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:

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.

Christian Holmes Content Editor

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%).

😎 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:

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:

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

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.