High-Limit Interac Casinos in Ontario & New Interac-Style Options for 2025

Interac casinos have become one of the highways of the Ontario iGaming economy — not only because they are familiar and easy to use, but because they offer high rollers a chance at high deposit and cashout limits. In that sense, Interac now functions as one of the main payment rails sustaining the province’s iGaming economy.

Now, if you’re looking to withdraw large sums, you should know that not all Interac options are created equal. In iGaming, players typically don’t use the vanilla form of Interac, but hybrid solutions designed specifically for real money gambling. The most common Interac brand catering to iGaming deposits is Gigadat, followed by Payper Inc. and PayDirect.

Each has notable pros and cons. For example, Gigadat is slow — but it can carry a heavy load, so to speak. Think of it as a slow-moving bus that takes 1 to 3 days to reach its destination. Payper is much faster, like a quick-moving car, but it can’t carry as much. Withdrawal limits tend to be more restrictive, often requiring multiple rides.

Top Interac Casinos in Ontario With the Highest Withdrawal Limits (2025)

These AGCO-licensed casinos support Interac withdrawals for Ontario players via trusted processors like Paybilt and Wyzia/eCashout (a Gigadat partner). We’ve ranked them by payout flexibility, speed, and real withdrawal limits.

Note: Progressive jackpot wins (e.g. Mega Moolah) are typically paid in full and not subject to standard withdrawal limits. VIP players at these casinos may receive expedited payouts or higher thresholds upon request.

Sources: Time2Play, Casino.org, official *.ca casino sites. Interac limits may vary depending on your Canadian bank — typically C$3,000 per transfer, with up to C$10,000/day supported through multiple payouts.

If you’re a high roller, chances are none of these two classics will suit you (Gigadat or Payper) — and for good reason. The good news is that there are some Ontario-specific, highly efficient Interac-style options. The newest is Paybilt, which joins Wyzia in catering to the nascent Ontario market, along with Loonio — a 2022 newcomer serving both Ontario and the rest of Canada. These emerging methods, which tend to be more balanced in their pros and cons, will be the focus of this article.

However, if you’re using Interac, the biggest bottlenecks aren’t the rails themselves (though speed and congestion are factors), but your bank’s policies and daily limits. In other words, even if you use an Interac product that promises unlimited cashouts, you can’t withdraw more than your bank allows. That’s why, if you truly want to “go unlimited” with your cashout size, eCheck is the better route — and we cover many great options on our homepage.

Interac e-Transfer Limits by Canadian Bank (2025)

Below is a comparison of current Interac e-Transfer sending limits for personal accounts. These figures are based on publicly available information from banks and trusted financial sources.

*RBC and Scotiabank determine e-Transfer limits based on your individual debit card or account profile. You may be able to increase limits by contacting the bank.
Sources: Wise.com, WOWA.ca, and official bank websites.

How to Increase Your Bank’s e-Transfer Limits

If you need to send more than your current limit allows, many banks offer options to temporarily or permanently increase your Interac e-Transfer limits:

• TD Canada Trust: Contact customer service through the TD app or EasyWeb Messaging feature.
• CIBC: Call 1-800-465-2422 for assistance with increasing your e-Transfer limits.
• RBC: Adjust limits online via the Daily Transaction Limits section or call 1-800-769-2555 for permanent changes.
• Scotiabank: Visit a local branch or call 1-800-472-6842 to request a limit increase
• BMO: Speak with your account manager to discuss increasing your e-Transfer limits.

Keep in mind that bank policies differ regarding iGaming, and some may require a review of your account history or additional verification before approving a limit increase.

If you’re planning to send a large amount and are concerned about these limits, consider contacting your bank in advance to ensure a smooth transaction. If you want much higher limits, again, we recommend choosing an eCheck casino.

New Interac Processors for 2025: Paybilt, Wyzia, Loonio, eCashout

What’s nice if you live in Ontario is that you have access to the latest fintech options when it comes to iGaming cashouts and deposits. Why? Because most of these fintech companies hesitate to do business with offshore sites. Not all of them, of course — for example, Gigadat still powers deposits at many offshore (but licensed) casinos, and Payper is currently used at Stake (which appears to have recently switched from Gigadat). However, no processor will work with rogue, unlicensed sites.

Because Ontario is the heart of the gaming economy in Canada, players there have access to the most modern processors and Interac rails. For instance, MGM-branded casinos now offer Paybilt, which is built for enterprise-grade payouts. Another example is Wyzia, which caters to locals using a product known as eCashout — an Ontario-only solution developed in partnership with Gigadat. Based on our research, players outside Ontario generally do not have access to these latest Interac cashout models.

Below, we’ll review each of these newcomers with a quick blurb highlighting key details and differentiators.

🟢 Loonio – Interac-Powered Payments for Canadian Casinos

Loonio is an Interac e-Transfer service used by select Canadian casinos in 2025 – mostly Baytree brands like Grizzly’s Quest. It enables fast, accountless deposits and withdrawals. And is quite popular on our site as of late. It works by connecting directly to most major banks in Canada, without the need for users to create a Loonio account. Compared to legacy processors, it supports near-instant payouts and simplifies the end to end payment process.

→ Full Loonio breakdown

🟠 Wyzia – A Canadian Interac Processor Behind Gigadat and FastPlay

Wyzia Financial operates as a back-end service for several Interac-based casino processors, including Gigadat Express Connect. It also introduced FastPlay in Ontario, a system designed to streamline deposits and registration for iGaming users. Wyzia handles both deposits and withdrawals, with built-in KYC and compliance aligned with AGCO guidelines.

→ Detailed Wyzia profile

🔵 eCashout – Gigadat’s Withdrawal-Only ACH System

eCashout is the withdrawal system offered by Gigadat Express Connect. It uses Canada’s ACH network to deliver Interac payouts to players’ bank accounts, without requiring additional setup or accounts. While deposits must be made using Gigadat Interac, eCashout remains one of the fastest bank-based withdrawal options currently supported by Ontario casinos.

→ How eCashout works

🟣 Paybilt – Real-Time Interac and Visa Direct for ON Operators

Paybilt is a newer Interac facilitator based in Ontario. It is dual function in that it that supports real-time e-Transfer payouts as well as Visa Direct disbursements. It’s used by operators like BetMGM and Spin Casino and focuses on automated Interac flows and fraud detection. Paybilt is also active in non-gambling sectors such as payroll and disaster relief, using the same underlying infrastructure.

→ Full Paybilt service overview

How to Maximize Your Withdrawal Potential

The best way to unlock higher Interac withdrawals is to pair the right casino with the right payment processor. In Ontario, that usually means choosing a brand that supports Paybilt or Wyzia/eCashout. These processors allow multiple daily Interac payouts, typically capped at around $3,000 per transfer, but scalable up to $10,000 per day with proper verification.

If you need more than that, consider switching to an eCheck casino. While slower, eChecks offer fewer daily restrictions and are better suited for high-stakes players.

Verification Requirements for High-Limit Withdrawals

Large withdrawals will usually trigger additional checks. This applies across all payment methods, including Interac.

Expect to submit:

• Government-issued photo ID
• Proof of address
• Bank account ownership
• Source of funds (in some cases)

Casinos that use Paybilt or Wyzia may ask for this once up front. Gigadat and Payper casinos tend to request it during each large cashout, especially if the account is new.

VIP Programs and Increased Withdrawal Limits

Most licensed casinos in Ontario adjust withdrawal limits based on account activity. Higher depositors are often upgraded to faster Interac rails or given larger daily caps. Some VIP accounts also get a dedicated payments manager who can authorize same-day payouts. For example Stake users at Platinum level 3 and above can withdraw at least ~C$500K/month using Gigadat.

At brands like Spin Casino and Jackpot City, these upgrades often involve switching from Gigadat to Paybilt or Wyzia. That alone can cut wait times from 1–3 days to a few hours.

Tips to Ensure Smooth High-Value Transactions

• Make sure your deposit and withdrawal methods match
• Use the same name and bank account throughout
• Withdraw early in the week to avoid weekend delays
• Know your bank’s rolling Interac limits (daily, weekly, monthly – see our table above)
• For anything over $10K, eCheck is usually the better option

Also consider letting your bank know if you expect a large payout. Some institutions block or delay incoming e-Transfers if flagged as unusual activity.

Traditional vs New Interac Payment Methods (2025)

Though Interac has remained an iGaming staple throughout the years — the processors behind the brand have shifted. For years, names like Gigadat, PayDirect Now and Payper dominated, especially at offshore casinos like Stake. Gigadat, in particular, became the default for high-limit withdrawals, while Payper earned a reputation for speed. Both are still in use today, but newer 2025 processors — Paybilt, Wyzia, Loonio, and eCashout — are starting to take over, especially on licensed Ontario sites.

Reddit posts on subs like r/stake and r/onlinegambling consistently describe the same pattern: Gigadat is slower, often taking 2–3 business days for withdrawals, with some delays stretching past 72 hours. “If you withdraw Friday, don’t expect to see it until Monday,” one user wrote. Others have flagged issues where Gigadat transfers got stuck, bounced back, or triggered calls from their bank’s fraud department. That said, it remains a go-to for large withdrawals thanks to higher transfer caps — which is why some high-rollers still request it.

Payper, by contrast, is mentioned favorably for weekend processing and faster turnaround — often under an hour after casino approval. One Redditor summed it up: “Payper? Way better than Gigadat. Cashouts actually arrive.” The trade-off is that Payper usually caps e-Transfers at around $3,000 per send, meaning a $9,000 payout might come in three separate deposits.

On the newer side, Paybilt and Loonio are leading the charge in Ontario. BetMGM, for instance, switched to Paybilt in late 2024, reducing deposit times to under 30 seconds. Loonio, which uses secure bank login integrations, regularly delivers same-day e-Transfers — often in under 10 minutes once a casino approves the withdrawal. As one player put it, “Loonio is blazing fast — I always get paid same day, usually within the hour.”

Wyzia offers a middle-ground approach. It powers both standard Interac transfers and “eCashout” ACH direct deposits, depending on how the casino sets things up. Some users on PlayOJO and Betano noted that Wyzia’s eCashout option is surprisingly quick — 1–2 hours in some cases — but that standard e-Transfers via Wyzia can still be subject to weekend delays, especially if they’re running through Gigadat’s backend.

How Banks and Processors Play Hide and Seek

There’s also a trust element at play. Some banks have begun flagging Gigadat transactions, with users reporting temporary account freezes or rejected payments after repeated gambling-related transfers. Payper seems to avoid this scrutiny, likely due to its lower visibility. Meanwhile, it seems to us that newer processors like Paybilt and Loonio haven’t drawn the same attention from banks. There are less reddit threads and complaints on CasinoMeister.

Overall, the shift is clear: while the traditional methods still work, the 2025 lineup offers faster payouts, fewer delays, and a smoother experience. And based on hundreds of Reddit threads and player testimonials, that difference is being felt where it matters most — on payout day.

Legal Considerations for High-Value Casino Withdrawals in Ontario

Ontario’s regulated iGaming market makes high-value casino withdrawals safer—but not without some paperwork. If you’re pulling out large sums via Interac or eCheck, the transaction still needs to pass through the lens of compliance.

iGaming Ontario Regulations

Every licensed operator in Ontario reports to iGaming Ontario (iGO). That means large withdrawals—especially over C$10,000—are subject to standard anti-money laundering (AML) and KYC checks. You might be asked for photo ID, proof of address, and source of funds, especially when using traditional rails like eCheck or newer fintech processors like Paybilt or Wyzia.

Tax Implications for Large Withdrawals

Winnings from games of chance (slots, blackjack, etc.) are not taxed in Canada, even for high rollers. However, if you’re a professional gambler, or your activity looks like business income (daily grinding, sports betting syndicates, etc.), the CRA may take interest. In rare cases, large eCheck or Interac payouts could trigger a secondary review if flagged by your financial institution.

KYC Requirements for High-Value Transactions

Large cashouts—especially over C$25K—may require you to complete enhanced KYC with both the casino and payment processor. This includes income verification or asking where the funds are going. The upside? With verified eCheck casinos or regulated sites using Loonio or eCashout, you’re dealing with vetted systems under AGCO oversight. It’s not like offshore brands quietly sending $40K to your bank.

Conclusion and Recommendations

Because of the KYC regulations tied to large cashouts, some players take the easy route and ditch fiat methods altogether. Just be aware of the trade-offs if you go that way (which we don’t recommend). Crypto casinos are mostly unregulated, balances are vulnerable to hacking, and there’s no player protection like what you get with licensed Ontario sites. That’s a big price to pay for a little convenience.

Also, don’t cave to peer pressure. On Reddit—especially in the Stake sub—you’ll find users mocking fiat players for relying on “outdated methods” and dealing with banks, as if the word “bank” itself is radioactive. But if you scroll deeper into those threads, you’ll notice pushback from users who prefer Interac e-Transfers. Their argument? Sure, crypto is instant—but so is Loonio, and a 10-second deposit doesn’t exactly ruin the experience. Then they bring up fees—and that’s where crypto users tend to lose the debate. MoonPay, the built-in on-ramp for Stake, adds hefty charges that fiat users avoid entirely.

So yes, maybe five or six years ago you could complain about Gigadat being slow and clunky. But the new wave of Interac fintech in 2025—Paybilt, Loonio, Wyzia—is on another level. You don’t need to switch to crypto to get fast, smooth payouts. Stick to Interac in the regulated Ontario market, and you’ll be just fine.