Spinit payments: deposits, withdrawals and how long your money takes

Deposits and withdrawals at Spinit

Spinit handles payments through methods the operator lists on its banking pages, though the precise list of brands and coins is not published in the terms. What is stated: accounts can be charged by credit or debit card, and payouts go out by card or bank transfer. The operator reserves the right to define minimum and maximum deposit sums at its discretion, and withdrawal limits scale with your VIP level.

Processing sits within three business days after a request is made, and the financial department works Monday to Friday, 6 AM to 5 PM GMT. Weekends and time zones push the clock further. A first payout waits for identity verification, and pending withdrawals are capped at three at a time.

Good to know: depositing is straightforward; getting paid is where the timings and the ceilings matter. The sections below walk through both directions — what you can use, how long it takes, what it costs, and the paperwork that holds up a first withdrawal if you have not cleared it in advance.

What it costs and where the ceilings are

Spinit charges 10% of your last deposit (minimum €0.50) if you request a withdrawal before wagering that deposit at least once. The fee rises to 15% if the account was funded by bank card or bank transfer. Roll the deposit through once and the fee does not apply.

The operator enforces a minimum monthly wagering threshold of €20 within the calendar month of the withdrawal request. Fall short of that and the payout may be declined.

Accounts inactive for 180 days are charged €5 per month until you log in again or the balance reaches zero.

Withdrawal limits per day and per month depend on your VIP level:

Your VIP level is determined by activity over the 90 days before you submit a withdrawal request. Players who have not been actively betting for a month are automatically lowered to the lowest level.

The operator supports multiple currencies — EUR, NOK, HUF, PLN, NZD, CAD, USD, CZK, AUD, CLP, PEN, CHF — each with its own limits. The table above shows euro figures; other currencies scale proportionally.

Requesting a payout from your account

Here is the sequence most players follow:

1. Log in and open the cashier section.
2. Select the withdrawal option and choose your method — card or bank transfer.
3. Enter the amount, staying within your daily and monthly limits.
4. Submit the request.
5. If this is your first withdrawal, provide the documents verification asks for — ID, proof of address, proof of ownership of the payment method used.
6. Wait for the operator to process the request, which sits in pending status until cleared.

You can have up to three withdrawal requests pending at once. A fourth requires the first to clear before it can be submitted.

Worth remembering: the operator may request information to verify the source of the funds you deposited, even after your account is verified. Refunds are considered only in exceptional circumstances, and only if requested within 24 hours of the transaction.

How long the money takes and what the wait depends on

The operator states that withdrawals are processed within three business days after the request is made, or three business days after the last withdrawal was paid out. That window starts when your request reaches the financial department, which operates Monday to Friday, 6 AM to 5 PM GMT.

In practice: a request submitted Friday evening waits until Monday morning before it enters the queue. Processing then takes up to three business days from there, and the payout still needs to clear through your bank or card issuer once it leaves the operator. The full journey — request to arrival — can stretch a week or more depending on your method and when you submit.

First-time withdrawals wait longer. Verification must be completed before the payout is released, and the operator allows up to ten days to review documents after you have provided everything requested. If you upload your ID and proof of address before requesting a withdrawal, you shorten the total wait.

The operator will not process a withdrawal if you have not provided the requested documents within 30 days. After that window, the account is closed and the refund is not effected.

Proving who you are

Spinit asks for identity verification before and after deposits, and before making a withdrawal. The documents requested include:

• Properly certified ID (passport, driving licence, national ID card)
• Proof of residence (utility bill, bank statement, official document showing your address)
• Proof of ownership and transaction histories of the payment methods used — bank statements or card statements covering the deposits and withdrawals on your account

The operator may also ask for information verifying the source of the funds deposited to the account.

Documents must be provided within 30 days after the request is made. Verification is usually completed within ten days after the request is answered in full, though first-time checks can take the full window if additional documentation is needed.

If verification is incomplete when you request a withdrawal, the payout sits in pending status until the check is cleared. Uploading the documents before you need them speeds up your first payout considerably.

Funding an account here

The terms mention credit and debit cards as deposit methods, alongside other payment options the operator makes available. The precise list of brands, e-wallets and coins is not published in the terms, and the operator reserves the right to set minimum and maximum deposit sums at its discretion.

Deposits post to your account quickly — usually within minutes for card payments. The first deposit you make must be wagered at least once before you can withdraw, or the withdrawal fee described above applies.

Accounts support multiple currencies, so you can hold a balance in EUR, GBP, USD, PLN, NOK and several others. The operator does not publish currency conversion rates or fees, so funding in a currency different from your account currency may incur a conversion charge set by your bank or payment provider.

Here's the thing: depositing is the easy part. Every operator clears a deposit quickly because that is how the account is funded. The withdrawal route — getting money back out — is where the timings stretch and the ceilings appear, and it is the half worth checking before you put anything in.

When a payout is late or refused

The most common reasons a withdrawal request is delayed or declined:

• Verification is incomplete or the documents provided did not meet the operator's requirements.
• You have not met the minimum monthly wagering threshold of €20 within the calendar month of the request.
• The withdrawal amount exceeds your daily or monthly VIP limit.
• You already have three pending withdrawal requests, and a fourth cannot be submitted until one of them clears.
• The initial deposit has not been wagered once, triggering the withdrawal fee, and you have not accepted it.

If a payout is late or refused and the reason is not clear, contact the operator's support team directly. Have your transaction date, amount, method and account details ready. The operator is the only party that can act on a withdrawal request — the portal cannot process payouts, reverse holds, or access your account on your behalf.

Support is available by email at the operator's own address and via live chat 24/7. Response times are not published, but the financial department operates Monday to Friday, 6 AM to 5 PM GMT, so requests submitted outside those hours wait until the next business day.

Responsible play

Gambling should be entertainment, not an obligation. Set a budget before you play, and treat any winnings as a bonus rather than income you are counting on. If gambling starts to feel like a problem, or if you are chasing losses, step back.

Spinit offers self-exclusion on request via email. In the UK, free confidential support is available through GamCare at gamcare.org.uk or the National Gambling Helpline on 0808 8020 133 (24/7). BeGambleAware provides resources at begambleaware.org, and GamStop at gamstop.co.uk offers free national self-exclusion across all UK-licensed sites.

This content is provided for information and marketing purposes. We are not a gambling operator, bookmaker or organiser of betting or gaming activity. This site is restricted to visitors aged 18 and over (18+). Free, confidential support with gambling is available at BeGambleAware.org.

Last updated: 23 October 2026