Why Payout Rates Matter for Canadian Players
Payout rates are a big deal because they really affect how long your money lasts and how much you can potentially win -- something I always keep in mind when I'm playing. When I'm looking for the best payout online casinos in Canada, I focus on a few key things. One is RTP, or Return to Player, which basically tells you how much a game pays back over time. For example, a slot with a 97% RTP is projected to pay out $97 for every $100 bet, on average. I also look at volatility, which is just another way of saying how often and how big the wins are. Low volatility games pay out smaller wins more often, while high volatility ones can hit big, but less frequently. And compared to land-based casinos, online sites usually offer better RTPs, which makes it easier to grow your bankroll. The downside, though, is that only a few online casinos offer instant withdrawals, while land-based casinos pay Canadian players in cash on the spot.
How I Tested Payouts: Methodology
To find the top RTP casinos in Canada, I wanted to go beyond the marketing and actually see how these sites perform in real play. I started by checking the published RTPs for popular games straight from the game providers, which gave me a good idea of which casinos were offering high-return titles. Then I deposited the same amount at each site and played a mix of slots and table games to see how my balance held up.
I also tested how fast and reliable the withdrawals were. I tried different methods like Interac e-Transfer and e-wallets, and I timed how long it took to actually receive the money. I even double-checked the amounts to make sure there weren't any hidden fees. Some casinos were quick, while others took a while to approve withdrawals. All of this helped me figure out which ones deserved to top the list for high return online casinos in Canada.
Just a quick note: My results at a particular casino won’t necessarily match what every Canadian player experiences. My gameplay is just a small sample, while the published RTPs are based on millions of spins or hands over time -- so they’re a much more reliable indicator in the long run.
Top Canada‑Wide High Payout Casinos
Now that I've gone over how I tested everything, it's time to dive into 4 of the highest payout online casinos in Canada. These sites stood out for more than just solid RTPs; they also delivered smooth gameplay and fast payouts. I'll walk you through what I found at each one so you can decide which might be the best fit for you.
PlayOJO Online Casino
My Payout Experience:
- My experience with the RTPs at PlayOJO has been positive, even though the casino doesn't actually list the RTPs on its site. The operator does offer high-RTP games like 3:2 blackjack (~99.5% RTP), and since I can search slots by provider, it's easy to stick with developers like NetEnt and Relax Gaming that are known for better returns. What I really like is that PlayOJO has no wagering requirements on bonuses, so Canadian players don't have to keep betting their winnings over and over just to cash out, which definitely helps it top the list of the best payout online casinos in Canada.
Why It’s a High‑Payout Casino:
- ✔︎ Average RTP of Top Slots: 97.6%
- ✔︎ Highest RTP Slot: Joker Super Reels (98.8%)
SlotsMagic Online Casino
My Payout Experience:
- When I tested SlotsMagic, I noticed it doesn't actually list RTPs, which isn't ideal for Canadian players, but it does let you filter games by provider. That made it easy to stick with high-RTP options from studios like Blueprint Gaming and Quickspin. The operator also has over 250 blackjack games, so when you combine that with its selection of high-RTP slots, it’s clear why I rank SlotsMagic among the top RTP casinos in Canada.
Why It’s a High‑Payout Casino:
- ✔︎ Average RTP of Top Slots: 97.6%
- ✔︎ Highest RTP Slot: Joker Super Reels (98.8%)
LuckyDays Online Casino
My Payout Experience:
- I've found that it's easier to win at LuckyDays than many other Canadian online casinos. Even though the operator doesn't list the RTPs for each game, Canadian players can still choose from high-return slot options like Marching Legions (98.1% RTP) and Dragon Dance (97.5%). With no wagering requirements on bonuses -- as well as regular promos -- it's easy to see why I've selected LuckyDays as one of the best high return online casinos in Canada.
Why It’s a High‑Payout Casino:
- ✔︎ Average RTP of Top Slots: 97.3%
- ✔︎ Highest RTP Slot: Marching Legions (98.1%)
Luxury Online Casino
My Payout Experience:
- In my experience, Luxury has one of the highest payout rates around, averaging about 97%. What I really like is that the casino uses the best version of every slot it offers -- the one with the highest RTP -- so you're always getting the top odds when you play. Even though its selection of high RTP slots is smaller than the top 3 casinos on my list, Luxury still holds its own as a maximum payout casino in Canada.
Why It’s a High‑Payout Casino:
- ✔︎ Average RTP of Top Slots: 97.5%, but with fewer options than the top 3 casinos
- ✔︎ Highest RTP Slot: Dragon Dance and Wild Orient (97.5%)
Which Casino Games Pay You Back the Most in Canada?
When I'm choosing what to play, I always try to find the RTP -- since every game has a different one, it can really affect your odds. 3:2 blackjack usually offers the highest return at any casino, and you'll find it in both live-dealer and virtual formats at every site in this guide. Table games like blackjack and roulette generally have low to medium volatility, but that can spike if you start adding side bets or going for high-risk plays like single numbers. Below, I've put together a quick table to show how different game types stack up in terms of RTP and volatility.
| Game Type | Average RTP | Volatility |
| Classic Slots | 95-98% | Low–Med |
| Video Slots | 94-97% | Med-High |
| Table Games | 95-99.5% | Low-Med |
| Live Dealer | 95-99.5% | Low-Med (High with Side Bets) |
Best Payout Online Casinos in Canada FAQ
Casinos get the RTP directly from the game's software provider, who programs and tests it. Since many games come in multiple versions with different RTP setting, it's important to know exactly which version you're playing.
Yes, you can trust published RTPs as long as they come from reliable sources. The most trustworthy places to find accurate RTP figures are either directly from the game provider or the casino you're playing at.
Table games like blackjack and craps usually offer the highest RTP, with blackjack offering around 99.5% if you're playing the 3:2 version instead of 6:5. Slots tend to have lower RTPs, especially branded or jackpot slots, which often come with higher house edges.
Withdrawal speeds don't impact your net payout unless there are fees tied to your chosen method, such as wire transfers. Most methods, like Interac e-Transfer, are both quick and free of charge.
There's no downside to choosing licensed, trustworthy casinos with high RTPs -- they give you the best long-term value. While some lower RTP casinos may offer flashier promotions, those offers usually come with the trade-off of worse odds in the games themselves.
Author
Corey Scott is a Toronto-based gaming journalist and casino critic. After earning his diploma from the College of Sports Media, he’s spent the bulk of his career in sports journalism. His bylines appear on BetCanada, OntarioBets and throughout the USA Today Network, among other outlets. Corey’s first taste of casino life was a roulette table session at Niagara Falls’ Fallsview Casino Resort when he was 19. Off the clock, you’ll find him cheering at local games or tinkering with a Jacks or Better video poker machine.