Payments · Mobile

Money in, money out - on your phone

Apple Pay makes deposits quick on mobile, but withdrawals run through a different rail entirely. Here's the full picture.

Updated 2026 • smokosaus.com

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Depositing is built for a thumb - a tap with Apple Pay beats typing a card number on a phone keyboard. Withdrawing works differently, and that's the bit worth reading properly.

Depositing from your phone

VisaMastercardApple PayCrypto
WhatThe facts
Minimum deposit$20
Fastest on mobileApple Pay - a tap and a face or fingerprint scan, no typing
Account currencyLocked in as AUD at signup.

Getting it back out

Bank transferCrypto
Cards don't work for withdrawals in Australia, even though Apple Pay and card deposits are the quickest way in. Visa payouts exclude Australia outright, and Mastercard payouts only cover a set list of European countries. Bank transfer and crypto are what's confirmed to pay out.
WhatThe facts
Bank transfer payout time~3 banking days
Monthly withdrawal cap$50,000 per month (VIP exceptions possible); wins above $50,000 may be paid in monthly $50,000 installments
Before you can withdrawDeposit has to be wagered at least once first.
Closed-loop ruleWithdrawals return to the method you deposited with.

A mobile-specific heads-up

Big deposits or long sessions on mobile data can chew through your data allowance faster than you'd think - hop onto wi-fi for anything substantial. And only save your login on a phone that's genuinely yours.

Questions about mobile banking

What's the quickest way to deposit on mobile?
Apple Pay - a tap and a biometric scan. Cards and crypto work too.
Can I withdraw straight to my card on my phone?
No, not in Australia - card payout rails exclude it. Bank transfer and crypto are confirmed to work.
How long does a bank transfer withdrawal take?
~3 banking days.
Is there a withdrawal cap?
$50,000 per month (VIP exceptions possible); wins above $50,000 may be paid in monthly $50,000 installments