Best Payout Online Casino UK July 2024 – Highest Paying Online Casinos

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The best payout casinos in the UK are determined by the return to player (RTP) percentage and house edge of the games they stock. In this guide, we’ll explain how payout rates work, help you identify the highest payout casinos based on their games, and offer tips to maximise your winnings whether you’re a seasoned player or a beginner.

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Best Payout Casinos Explained

When assessing the best payout online casinos in the UK, two crucial factors are RTP percentages and house edge, which directly influence game payouts and your overall winning potential.

Understanding these elements is essential for selecting the best games and optimising your chances of success at the best payout casinos.

What Does RTP (Return to Player) Mean?

RTP is a term used to represent the statistical estimate of the percentage of wagered money paid out to players over time for a casino game. It’s most commonly linked to slot machines but can also be applied to other best payout casino games.

best payout online casinos in the uk and what does RTP (Return to Player) mean

RTP is expressed as a percentage, which is key to determining the game’s payout. Let’s illustrate how this works with an example.

If an online slot machine has an RTP of 95%, then that means for every £100 wagered, the game will in theory pay back £95 to players on average over many thousands of bets. However, this is still far from a guarantee and your luck can go either way.

The calculation for the RTP is created by an algorithm that simulates millions of spins. It combines all possible outcomes in the game, such as bonus rounds, symbol combinations, and free spins.

It’s important to note that this is a long-term measurement and won’t be reflected on every spin. The algorithm’s goal is to ensure that the RTP hits its number over a huge volume of spins.

How RTP Affects Best Online Casino Payouts UK

So we know that the RTP of a specific game will give you a gauge of how much you can expect the game will pay out over that extended period. But how does this influence the payout rate of an online casino as a whole, and how can you find the highest payout casinos?

Simply put, when people state that a best payout casino UK has an RTP of X%, it is really only an indication of the highest RTP game in its library. If the highest RTP game of one casino site is 98%, then it is said that the top payout online casino’s rate is 98%.

Of course, this is slightly misleading, since it doesn’t mean that on average the casino pays out £98 back to players for every £100 wagered.

Therefore, to find the best payout casino in the UK, you should look for games with the highest RTPs. And to give yourself the best chance of winning games, you should play high RTP games.

Is House Edge the Same as RTP at a Best Payout Online Casino UK?

It’s important to know that house edge and RTP are not the same, although they are closely related.

Let’s look at the two terms to highlight the differences:

  • RTP: The RTP is the percentage of total wagers made on the game that is expected to be paid back to players over time. It uses an algorithm to ensure these numbers are met and creates a probability structure based on the total number of bets made.
  • House Edge: The house edge represents the casino’s gross profit from the game. This number is expressed as a percentage of bets taken. Essentially, this is the opposite of what the RTP is showing.

The relationship between the RTP and the house edge is inverted. If an online slot machine has an RTP of 96%, the house edge would represent the remaining percentage under 100%. In this case, that would be 4%. A game with a low house edge will have a high RTP, and vice versa.

The following table shows the relationship between RTP and house edge for popular best payout casino games.

Game RTP (%) House Edge (%)
Blackjack 99.5 0.5
Craps 99 1.0
Baccarat (Banker Bet) 98.94 1.06
Baccarat (Player Bet) 98.76 1.24
European Roulette 97.3 2.7
Online Slots 92-99 3-4
American Roulette 94.74 5.26
Vegas Land-based Slots 88-96 4-12

A common question we are asked is why do casinos host high RTP/low house edge games at all? Surely that limits their profits?

The answer is volume. As a player, you’ll be attracted to high RTP games because you feel you’re getting a better deal. And for the most part, you are.

This generates interest and can be used as a marketing tool in some instances. In the long term, it’s highly possible that the casino makes more money on higher RTP games.

Best Payout Online Casino UK Games

Each casino game has its own payout rate, which vary based on the game type. It’s also worth noting that the same game can also have different payout rates depending on the variant played.

For example, what seems to be the same blackjack game can have slightly different payout rate and house edge based on the rules and the game provider. This section will break down how they work for each game type.

Slots

The best paying online casinos in the UK will have a wide range of slots. It’s not uncommon to see hundreds, if not thousands, of options to choose from, with each working slightly differently in terms of payout.

Games have an RTP attached, and this is something that must be provided by law. They vary from around 92% to 99%, with everything in between. Below is a table showcasing some popular games with the highest RTP percentages commonly found at the best payout online casinos in the UK.

Slot Game Provider RTP
Ugga Bugga Play Tech 99.07%
Mega Joker NetEnt 99%
Book of 99 Relax Gaming 99%
Jackpot 6000 NetEnt 98.90%
1429 Uncharted Seas Thunderkick 98.60%
Marching Legions Relax Gaming 98.12%
Catfather Pragmatic Play 98.10%
Rainbow Riches Pick’n’Mix Megaways 98%
Bloodsuckers NetEnt 98%
Starburst NetEnt 96.09%

Video Slots

The largest range of slots falls under the video slots category. These games include bonus rounds, free spins, and wilds. While it is not a hard and fast rule, generally, the more features the game has, the lower the RTP.

Book of 99 slot featured - best payout online casino real money in the UK

Any video slots with a 98%+ RTP are considered as best payout online slots in the UK. Some of the best-paying casino games for slots include Stone Homminid, with a 99.54% RTP, and Book of 99, with a 99% RTP.

Classic Slots

Classic slots are more basic than your video slots. You won’t get bonus rounds or cool features with these games, which are more of a throwback to how original slot machines used to work.

Classic slot machines - best payout online casino in the UK

The trade-off is a slightly higher RTP overall. The games aren’t as exciting, but you’ll get a better return for your money. As a player, you need to work out if you want the trade-off of higher returns for slightly poorer gameplay, but you can find either type at new slot sites.

Jackpots and Progressive Jackpots

Jackpot games allow you to win huge sums of money for a relatively small investment. These games are split between regular jackpot games that are fixed per slot and progressives, which run across multiple casinos and build as more bets are placed.

Generally, games run between 94% and 98% RTP. Of course, there are exceptions to this, with Pachinko 2 and Mega Joker rating at over 99%. But overall, higher RTP games are harder to come by.

Again, the reason is a trade-off. These games allow you to win much larger sums than standard slots, and you pay for that long-term.

Blackjack

Blackjack is one of the most popular table games and can be found in all the best online casinos that offer payouts in the UK. It also has some of the highest RTPs of any casino game, with the highest being Blackjack Neo, which has a staggering 99.60% RTP.

Blackjack RTP

There are a couple of things that you must note with blackjack casinos:

  • Games will vary based on table/house rules, affecting the payout. For example, what the dealer must stand on, and side bets have huge implications regarding how the RTP will vary.
  • You must play a perfect strategy every time to get the higher RTP. If you don’t make the correct decision every time, the RTP swings more favourably back into the casino’s favour.

To combat the second part, you can download blackjack strategy hand sheets for the game that you’re playing. All you need to do is see what the dealer is showing, compare that to your cards, and it will tell you what to do next.

Roulette

Roulette is another massively popular table game. It’s probably the easiest casino game to play and, once again, is available at the best payout online casinos in the UK. Casinos will vary in terms of displaying RTP or house edge differently.

roulette RTP

These games have some of the lowest RTP percentages. Most will average around 96%, and many variations can increase or decrease these numbers substantially.

The three main variations are European, American, and French. These games are subtly different based on table rules, as we’ve outlined below:

  1. French Roulette:
    • Wheel Layout: Contains 37 pockets (numbers 1 to 36 and a single zero).
    • Special Rules: Features “La Partage” or “En Prison” rules, where players lose only half of even-money bets if the ball lands on zero.
    • House Edge: Approximately 1.35% due to the special rules.
  2. European Roulette:
    • Wheel Layout: Has 37 pockets (numbers 1 to 36 and a single zero).
    • Special Rules: Lacks the special rules found in French roulette.
    • House Edge: About 2.7%, attributed to the single zero.
  3. American Roulette:
    • Wheel Layout: Contains 38 pockets (numbers 1 to 36, a single zero, and a double zero).
    • Special Rules: No special rules apply.
    • House Edge: Higher, at around 5.26%, due to the additional double-zero pocket.

As you can see, if you want to play roulette, playing French style, with a low house edge, will be better in the long term. American is the worst performing in terms of house edge, at 5.26%. You can learn how to play roulette and maximise your chances of winning by reading our expert guide.

Casino Poker

Casino poker has one of the highest RTP percentages of any game. The majority are rated at 98%+, with the highest being 99.73% in the form of Triple Play Draw Poker.

You may be wondering why the casino is willing to give up such big margins, and the reason is similar to blackjack. For you to lock in an RTP of 99.73% or whatever it might be for that game, you must play a perfect strategy for every hand.

This is one of the few casino games where your decisions affect the RTP. The best poker apps know that most players won’t play optimally.

So, even though the RTP is displayed as an exceptionally high number, the reality is that it only takes a few players not to use an optimal strategy for the RTP to drop drastically, therefore making it more profitable for the casino.

If you fancy getting better at the popular casino game, you can learn how to play poker with our expert guide.

Baccarat

Baccarat is one of the most popular card games and has varying RTP percentages depending on the game and the bet you make. Here’s how it differs depending on the bet you make:

  • Bankers Bet – 98.94% RTP
  • Players Bet – 98.76% RTP
  • Tie – 85.64% RTP

As you can see, the two main bets in the Banker and Player are relatively high, both at 98%+, but the tie bet is a shockingly low 85.64%. Even though the bets pay 8:1, you’re giving up too much of a house edge to make this profitable long-term.

The game twists again when you bring in the side bets. You get larger payouts with the side bets, but you trade huge house edge percentages in doing so. Here’s how they look:

Bet type Payout Odds Odds/ Baccarat Winning Percentage RTP
Banker Pair 11:1 7.47% 89.64%
Player Pair 11:1 7.47% 89.64%
Perfect Pair 25:1 3.34% 91.95%
Either Pair 5:1 14.2% 86.29%
Big 2:1 31.8% 97.35%
Small 3:2 37.8% 90.63%

Baccarat is one of the most simple casino games to get to grips with. So, if you fancy getting into it, learn how to play baccarat with our expert guide.

Craps

Craps is one of the more popular dice games at a best payout online casino real money and has varying payouts based on the bet you make. You can make upwards of 20 bets, with the house edge ranging from 1.52% for a Don’t Pass bet on six or eight up to an eye-watering 16.90% on Any Seven bets.

What’s exciting about craps is the payouts you can get from each bet. They start from 1:2 up to 35:1, which is not too dissimilar to roulette in this regard.

How to Win at a Best Payout Online Casino in the UK

It’s tough to consistently win at the casino, but there are ways to massively increase your chances, making your time much more enjoyable and profitable.

Here are a series of strategies and guides to maximise your time at a best paying online casino in the UK.

Choose High RTP Games

The best place to start with high RTP games. These games will give you the best bang for your buck, limiting the amount of money the highest paying online casino makes from you and increasing your opportunities to win.

You want to look at games with a high RTP and jackpot/max win. You’re trying to limit the losses over an extended period of time while giving yourself every chance of hitting those big wins.

This can come in several variations, such as jackpot games and high max-win multipliers. Combining the two is imperative.

Moneycart 2 slot

A good example would be an online slot by Relax Gaming called Money Cart. There are two versions: Money Cart and Money Cart 2. The games are, for the most part, quite similar. In fact, they both have exactly the same RTP at 98%.

However, Money Cart 2 has a much higher max win multiplier of 5,000x, compared with the original’s limit of 2,000x. Given that all you’re doing is limiting your max win, there’s no reason why you’d play the original over the sequel.

Use a Strategy

Strategies can be applied to most table games. There’s much less user input with slots, so with most games, it’s impossible to do anything much more than click the spin button.

Table games are where you start to take advantage of the highest paying online casinos in the UK. Blackjack, roulette, and video poker have easy strategies that allow you to get the maximum RTP advertised.

Blackjack is the most common and easiest place to start. We’ve created a blackjack strategy chart that shows you exactly what move to make based on your hand and the dealer’s up card.

Blackjack Basic Strategy Chart

It considers all possible combinations and scenarios, and as you improve, you can memorise this to play at live online casinos as well.

Roulette offers a few more ways to get creative. There are lots of strategies to use, which are mainly based on bet sizing and choosing what to bet around the table.

The most common are the Martingale and D’Alembert, which we’ve outlined how they work below:

Martingale Strategy

The Martingale system is a popular betting strategy for roulette and other casino games that involves doubling the bet after each loss.

How it Works:

    1. You start with an initial bet amount on an even-money wager like red/black or odd/even.
    2. After a loss, you double the bet in the next round to recover previous losses and make a profit equal to the original bet.
    3. After a win, they return to the original bet amount.

The strategy requires a substantial bankroll to withstand potential losing streaks. It also risks hitting table limits, preventing continued doubling.

martingale best payout casino

D’Alembert Strategy

The D’Alembert system is a more conservative approach where players increase their bet size incrementally.

How it Works:

    1. You start with an initial bet on an even-money wager.
    2. After a loss, you increase the bet by one unit (a fixed amount).
    3. After a win, you decrease the bet by one unit.

While the increases are smaller than in Martingale, cumulative losses can still add up, and the gradual adjustments may not quickly cover them.

Both strategies aim to balance losses with profits over time but carry the risks of gambling, as they cannot overcome the house edge in the long run. If you want more tips which actually work, you can read more about blackjack strategy here.

Manage Your Bankroll

Bankroll management is all about setting a budget. This is a vital step to not overspending, chasing losses, or getting carried away.

The strategy will depend on your bankroll and how aggressive you want to be with it. For casino games, you can set a stop loss for a session or go a step further and have a limit per bet.

If you decide on the stop loss, around 3-5% per session is right. For example, if you have a £1,000 bankroll, it means you can comfortably afford to lose £30-£50 per session. If you go beyond that, it’s time to stop.

If you decide to go per bet, you must be more cautious. This will likely be less than 1% for most players, which keeps things comfortable. 0.1% for a £1,000 bankroll would be £1 per spin/bet. This may seem small, but you’d be surprised how quickly this amount can increase.

How aggressive you are depends on how comfortably you can afford to replenish your bankroll. If you’re in full-time employment and know that part of your wage can be added if needed, you could increase the amount per session.

Best Bonuses at the Highest Payout Online Casinos

One of the biggest advantages of using the best payout casinos online in the UK is the range of bonuses on offer. On most sites, you’ll get access to new and existing player offers, and you can use high RTP games to your advantage.

In this section, we’ve included an overview of the types of offers you can claim and the types of games that are best used in conjunction with them.

Welcome Offers

Welcome offers usually come in the form of a deposit match and can be claimed with new accounts. A typical example would be a 100% deposit match up to £1,000. This means that the casino will match your deposit up to £1,000 and add it as a bonus.

Once applied to your account, the bonus will have wagering requirements. For example, if the casino asks you to wager a £1,000 bonus 30 times, you would need to place £30,000 worth of bets to convert the bonus into cash.

The best attack route with these offers is to target high RTP games. The bonus terms don’t require you to win, just the amount you must wager.

No Deposit Bonuses

No-deposit bonuses are promotions that the best payout casino online offers without an initial deposit. They are usually much smaller than the welcome bonus, but they still come with wagering terms and expiry dates.

The key thing to note with these offers is the amount you can win from the bonus, which is often limited at some of the best payout online casinos in the UK.

As these offers are free to claim, we can be a little less regimented with our games and target lower RTP games with higher wins, bigger jackpots, and higher volatility.

The best games for this are progressive jackpots and high multiplier real money slots.

Free Spins at a Highest Payout Online Casino

Free spins are just that, free spins at selected online slots. The best online casinos in the UK always offer free spins as part of welcome bonuses. These will be a set amount and limited to one or a handful of slots in most cases. They will also come with wagering requirements, so make sure you read the small print.

Since free spins are tied to specific slots, it’s harder to be creative in terms of targeting high RTP. But if you can choose, look to target high win multipliers and jackpot games, just as you would with a no deposit bonus.

How Game Volatility Impacts Best Payout Online Casino UK Games

Game volatility, also known as variance, influences how and when payouts occur in casino online best payout games. High volatility games tend to have larger payouts but less frequent wins, making them suitable for players who are willing to take higher risks for the chance of substantial rewards.

On the other hand, low volatility games offer smaller, more frequent payouts, which can be ideal for players seeking steady, consistent returns. Understanding the volatility of a game helps in selecting the right game that matches up with you gambling style.

The impact of game volatility extends to bankroll management and overall gaming strategy. High volatility games, like many progressive slot machines, require a larger bankroll to endure long stretches without wins, while low volatility games allow for more extended play with a smaller bankroll.

Payment Methods at the Best Paying Online Casinos

The range of payment methods you can use at the highest payout casinos in the UK will vary. In this section, we’ve created an overview of what you can expect and how they work.

Traditional Payment Methods

Traditional payment methods include debit and credit cards, most notably Visa, Mastercard, and American Express. These are accessible at almost every best paying online casino UK.

PointsBet NJ Payment Methods

Deposits will start as low as £10 and reach up to £10,000 per transaction. Withdrawals can take anywhere from one to five working days. Generally, casinos won’t have fees attached. For larger payments, you can use bank transfer.

This is a good option for anyone looking to deposit more than the maximum with credit and debit. The downside is that there are often fees, and even at fast withdrawal casinos in the UK processing times can take up to two weeks with some cards.

Cryptocurrencies

Crypto is the new way to bank with the best payout online casinos in the UK. The major choices include Bitcoin, Litecoin, Ethereum, Tether and Bitcoin Cash.

crypto payment options

The benefit of using crypto is that you get your payout much quicker than traditional methods. We’re talking seconds and minutes instead of days and weeks.

It’s also worth noting that you can sometimes claim special crypto bonuses. Casinos encourage players to use crypto more than ever, so the bonuses are often very lucrative.

eWallets at the Best Payout Casinos

eWallets are common options at the best online casinos that pay out in the UK. The most popular are Neteller, Skrill and PayPal.

If you want to use one, you can expect speedy transactions. However, the biggest downside to using an eWallet is that almost all casinos prohibit you from claiming any of the bonuses if you deposit using one.

Best Paying Online Casinos vs Land-Based Casinos

Online and land-based casinos have many similarities, but their fundamentals can differ. We will examine how these differences can affect payouts and which games offer the best payouts.

Pros pros

  • Variety of Games
  • Higher RTP Games
  • Accessibility & Convenience
  • Bigger & Better Bonuses
  • More Payment Options

Cons cons

  • Less Social Atmosphere
  • Cannot Card Count
  • Less Security

The Best Payout Online Casino in the UK: Our Verdict

Online best payout casino games allow you to see the RTP and house edge before you play. You can target games with the biggest payouts right from the off without worrying about whether the casino is getting the better end of the deal.

For slots, choose games like Ugga Bugga (99.07% RTP) and Book of 99 (99.00% RTP). For table games, choose Blackjack NEO (99.60% RTP) and for video poker, choose Deuces Wild (99.73% RTP).

Finally, use crypto where possible. You might get a larger welcome bonus when doing so, and you can withdraw winnings in minutes instead of days.

Methodology

How We Test and Review Online Casinos

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There are a few important things to consider when you join an online casino, and it’s useful to have the full picture before you sign up.

Here at Techopedia, we follow a tried and tested review process that covers the key features and allows us to rank casinos accordingly.

Our experts carefully analyze:

  • Games and variety
  • Bonuses and promotions
  • Payment methods
  • Online security protocols
  • Customer support
  • Licensing

…and more.

Learn more about our process and see how we rate casinos on Techopedia.

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Affiliate Disclosure: Techopedia may receive advertising commissions for visits to a suggested operator through our affiliate links, at no added cost to you. However, all our recommendations are unbiased and follow a thorough review process. Gambling can be addictive, please play responsibly and you must be of legal gambling age.
Jonathan Askew
Sports Betting and Casino Expert
Jonathan Askew
Sports Betting and Casino Expert

Jonathan is a freelance writer working with Techopedia. He has been working within the gambling sector for over 15 years and has been fortunate enough to work with brands that include Gambling.com, CheekyPunter.com, BasketballInsiders.com and Betfair. He specializes in US and UK-based sports and casino content for Techopedia.