Moving Money In and Out of Your Spinjo Account
You deposit at Spinjo from €20 with Visa, Mastercard, MiFinity, Skrill, Neteller, a bank transfer or crypto, and you withdraw from €20 with e-wallets and crypto after an identity check. We add no fee of our own in either direction, and crypto is our fastest payout route. The key facts sheet below covers what you need before your first payment.
| Topic | What applies | Note |
|---|---|---|
| Account currency | Chosen by you at sign-up | Choosing EUR shows amounts in euros |
| Minimum deposit | €20 for cards, e-wallets and bank transfer | Also the minimum for each welcome stage |
| Minimum withdrawal | €20 for e-wallets and crypto | Same floor for both routes |
| Fees from us | None on deposits or withdrawals | Intermediary banks typically charge on bank payouts |
| Identity check | Before or at the first withdrawal | Needed for your first payout |
| Fastest payout | Crypto | Bitcoin, Tether, Ethereum and more |
The sections below follow the order in which these points meet you: first the conditions before a payout, then the fees, the timeline, the mechanics behind each payment and finally the methods compared side by side.
What Has to Be in Place Before Your First Payout
The first withdrawal is the moment our identity verification comes in: we check who you are before or at that first request. That is why the details in your profile matter from day one. As a rule, incorrect personal data causes problems later, both during the check and when the money is sent, so enter your name, address and date of birth correctly when you complete your profile. A bonus brings conditions of its own before a payout: it carries 40x wagering, stays valid for 3 days and limits each bet to €5 while it is active. Plan the withdrawal after those conditions are behind you rather than in the middle of them. If you would rather keep a deposit free of bonus conditions, note that the bonus option is, as a rule, switched on by default, so turn it off before you pay in.
The Documents for Your Identity Check
Verification comes up as your first payout approaches, and preparing the documents early turns it into a short task that you can finish calmly, without a win waiting in your balance:
- Proof of identity, proof of address and proof of your payment method are usually the three items we request.
- Your proof of address should, as a rule, be no older than three months.
- Documents are typically uploaded directly in your account.
- Prepare the documents before your first withdrawal request rather than at that moment.
Route Rules for Every Withdrawal
Beyond the identity check, a few rules decide where and how your money can leave. They are easiest to follow when you plan for them before the first deposit, not after the first win:
- The minimum withdrawal is €20 for e-wallets and for crypto.
- As a rule, a payout goes to the method or account you deposited with.
- Third-party payments are usually not allowed, so pay in and cash out with a method of your own.
- Bank-transfer payouts are slower than crypto, so allow more time when you choose that route.
Who Charges What
We charge no fees on deposits or withdrawals, whichever method you use. That covers the card, e-wallet, bank and crypto routes alike, so the amount you request is the amount we send. Charges outside our control are a different matter. On bank payouts, intermediary banks typically add charges of their own, which is worth bearing in mind if you weigh a bank transfer against an e-wallet or a coin. In practice, the cleanest way to keep costs predictable is to pick one method you trust and use it for both deposits and withdrawals.
What Happens When, From Deposit to Payout
Think of the journey as a short timeline. On the day you register, you set your country and currency. Your first deposit of €20 or more can open stage one of our welcome package, and from that moment the bonus runs on a 3-day clock with 40x wagering and a €5 maximum bet. When you are ready to cash out, identity verification comes before or at your first withdrawal; your proof of address should usually be no older than three months at that point. Once the request is on its way, the route decides the wait: crypto is our fastest payout route, while e-wallets typically pay out faster than cards and bank transfer. One clock to watch along the way is the bonus window, so keep the 3 days in view whenever a bonus is active.
How Money Moves Through Your Account
Currency at the start
You choose your account currency when you sign up, together with your country. Choosing EUR shows your balance, deposits and bonuses in euros, written with the euro sign before the amount, such as €20 or €1,500. Pick the currency you think in, so every limit, deposit and bonus figure reads at a glance.
Deposits and the welcome package
Every fiat deposit starts at €20, and that figure is also the minimum for each of the four welcome stages. Our package adds up to €5,000 plus 300 free spins in total, starting with 100% up to €1,000 plus 100 free spins on the first deposit. Stages two, three and four follow with 50% up to €1,000 plus 50 free spins, 50% up to €1,500 plus 50 free spins and 75% up to €1,500 plus 100 free spins. Weekly reloads follow the same logic with their own amounts, such as 30% up to €100 on Friday.
Withdrawals and the route back
A withdrawal starts at €20 for e-wallets and crypto. For players who keep a crypto wallet, coins are the most direct route, because the same coins work for deposits and withdrawals. If a card or bank payout is slower than you want, an e-wallet or crypto is the natural alternative for your next deposit, because the payout usually follows the method you paid in with.
Choosing a backup method
It pays to have a second method in mind before you need it. If your card is not the right fit for a deposit on a given day, Skrill, Neteller, MiFinity or a bank transfer cover the same €20 minimum, and the coins we accept cover the crypto side. As a rule, switching method changes your later payout route as well, so choose the backup with the withdrawal in mind.
Payment Methods Side by Side
On the fiat side, every method below takes deposits from €20; the columns to the right show where the routes differ once you cash out.
| Method | Deposits | Withdrawals | Pace and charges |
|---|---|---|---|
| Visa and Mastercard | From €20 | Slower than e-wallets, as a rule | No fees from us |
| Skrill, Neteller, MiFinity | From €20 | From €20 | Usually faster than cards and bank |
| Bank transfer | From €20 | Usually available | Intermediary banks typically add charges |
| Crypto (Bitcoin, Tether, Ethereum) | Yes | From €20 | Fastest payout route |
Read the table from right to left if speed matters most to you, and from left to right if you care most about where the money comes from. Either way, the method you deposit with usually sets the route your payout takes later.
Spinjo Payment Questions
Is a prepaid voucher such as Paysafecard accepted?
Typically, yes: Paysafecard can be used to pay in.
What about paying in by Rapid Transfer?
As a rule, Rapid Transfer is one of our deposit routes as well.
Which other coins can I use besides Bitcoin?
Litecoin, Dogecoin and Bitcoin Cash work next to Bitcoin, Tether and Ethereum. Binance Coin is usually accepted as well.
Do crypto deposits start at €20 too?
Some coins usually come with lower deposit minimums.
Do deposits earn loyalty points?
No. Points come from real-money slot bets, one for every €20 you bet on slots.
Do VIP members get faster payouts?
Yes. VIP Club membership, which comes by invitation only, brings higher and faster withdrawals.