Finding the best online casinos NZ can be a time-consuming task for the average gambler. We’re here to do the legwork for you, as our team has carefully reviewed numerous platforms and identified the top 10 casinos in New Zealand.
Well, in addition to the list of the best New Zealand online casinos, we’ll also shed some light on the online casino games you can play, promotions you can claim, and the legality of using these online casinos in NZ right now. Keep reading, and you’ll know everything you need to get started with your NZ online casino journey.
NZ Online Casino Rules
Most online casinos in New Zealand operate in a unique space, as offshore sites can legally accept Kiwi players, despite not being licensed or regulated by the New Zealand government. This means that while you cannot gamble at a casino headquartered in New Zealand, you can enjoy fully regulated platforms that hold licenses in respected jurisdictions overseas, such as the Malta Gaming Authority. Here are a few key features that define the experience:
⚖️ Licensed offshore sites that follow strict international regulations
💰 Welcome bonuses, free spins, and exciting rewards for loyal players
🎰 Access to a variety of pokies, including massive progressive jackpots
♠️ Live dealer tables offering blackjack, roulette, and poker against real players
📱 Mobile-optimised platforms for smooth play anytime, anywhere
Are online casinos legal in New Zealand?
Ranking New Zealand’s Best Online Casinos
Below is our expert-curated list of the best online casino NZ sites, each of them licensed and regulated by respectable authorities, making them safe for real-money casino gambling.
| Rating | Brand | Check it out for |
| 🥇 | Big Clash | The Best Online Casino in NZ |
| 🥈 | Gransino | Comprehensive Selection Of Plinko & Crash Titles |
| 🥉 | Spinit | Good Variety of Exclusive Casino Games |
| 4️⃣ | Robocat | Win Big with 350+ High RTP Blackjack Games |
| 5️⃣ | Funbet | Excellent Variety Of Pokies with 11,000+ Titles |
| 6️⃣ | Spinbara | Huge Range of Game Shows with $40,000 Bet Limits |
| 7️⃣ | TikiTaka | Amazing Rewards Through Their VIP Program |
| 8️⃣ | Pistolo | Free Withdrawals Using Top NZ Payment Methods |
| 9️⃣ | Magius | Excellent Selection of 2,300+ New Game Titles |
| 🔟 | Fatpirate | The Best Roulette Casino in NZ with 190+ Titles |
Reviewing Best Online Casinos in NZ
Let’s now run through the top five best online casinos NZ sites, taking you through what makes them such appealing gambling platforms.
1. Big Clash – The Best Online Casino in NZ

The Rundown
📝 License: Autonomous Island of Anjouan, Union of Comoros
💰 Welcome bonus: 100% up to $750 + 200 FS
🔁 Wagering requirements: 35x
📱 VPN Accessibility: Accessible with a VPN
✅Generous 100% welcome offer
✅750+ live dealer games
✅Intuitive casino interface
❌Could offer more game shows
The Details
Big Clash is a top NZ online gambling site, suitable for both beginners and high rollers alike. The casino features a straightforward interface that is extremely easy to navigate. Moreover, they offer a stellar 100% welcome bonus with free spins and a bonus crab that gives a great boost to your bankroll.
A significant portion of the online casino games in their library have been developed by prominent names, including Pragmatic Play, Live88, and Microgaming Live. Among these are 1,300 jackpot games, all offering high-value payouts.
What we really liked about Big Clash casino was the live dealer games. They have a solid mix of more than 750 live games, including 420 blackjack options, such as VIP tables with very high limits, speed blackjack, and blackjack in multiple languages. The limits are also flexible; you can get involved for as little as $5 per bet.
2. Gransino – Comprehensive Selection Of Plinko & Crash Titles

The Rundown
📝 License: Philippine Amusement and Gaming Corporation
💰 Welcome bonus: 100% up to $750, 200 FS, + 1 Bonus Crab
🔁 Wagering requirements: 35x
📱 VPN Accessibility: Accessible with a VPN
✅ Popular crash games available
✅ Excellent VIP program
✅ Plinko games aplenty
❌ More free spins promos needed
The Details
There are several reasons we could consider Grancasino the best online casino in New Zealand. For one, they have a sign-up process that takes less than a few minutes to complete and ample crypto deposit options.
They also have a massive $750 welcome bonus you can get your hands on and a variety of slots tournaments you can take part in.
However, what really stood out was the selection of instant games you could play. More specifically, the Crash and Plinko titles. They offer a wonderful mix of online casino games from software providers such as BGaming, Evoplay, Spribe, Hacksaw, Game Art, and many others.
Most of these instant games offer big wins and progressive jackpots. With well over 100 of these casino games to play, including titles such as the ever-popular Aviator, JetX, Plinko Rush and Pilot, you have no shortage of thrilling options.
3. Spinit – Good Variety of Exclusive Casino Games

The Rundown
📝 License: Government of the Autonomous Island of Anjouan
💰 Welcome bonus: 100% up to $1,000 + 200 free spins + 1 bonus crab
🔁 Wagering requirements: 35x
📱 VPN Accessibility: Accessible with a VPN
✅Over 11,000 pokies
✅Exciting exclusive games
✅Play table games in demo mode
❌ Needs more titles in the live casino
The Details
Spinit is one of the best online casinos in NZ if you’re looking for exclusive games you can’t find anywhere else. The online casino itself offers a wide range of games, including video and jackpot slots, RNG table games, free games, live dealer blackjack & roulette, and numerous provably fair options. That said, the Spinit Exclusive games stood out to us, especially their own versions of bonus buys and hold-and-wins.
Additionally, we found all these games ran incredibly smoothly on both our desktop browsers and mobile, even without a dedicated casino app. Each game also had unique features that further enhanced the experience.
Besides offering a well-rounded platform with all the bells and whistles for a wholesome casino experience, the casino also has exciting promos. The welcome bonus is easy to claim and provides a substantial boost to your casino wallet. Additionally, their cashback program returns 10% of your net losses every week, which can be a real lifesaver.
4. Robocat – Win Big with 350+ High RTP Blackjack Games

The Rundown
📝 License: Government of the Autonomous Island of Anjouan
💰 Welcome bonus: 100% up to $1,000 + 200 free spins + 1 bonus crab
🔁 Wagering requirements: 35x
📱 VPN Accessibility: Accessible with a VPN
✅Top pokies and megaways titles
✅Fun platform aesthetic
✅350+ high-RTP blackjack games
❌Needs to extend bonus validity period
The Details
Robocat has a funky theme, and a friendly-looking robotic cat greets you on the homepage. The aesthetic isn’t all that works for them, though, as the layout makes it easy to find games you want to play, claim the promos they have or make deposits into your account.
Furthermore, compared to some of the other best new online casinos in NZ, Robocat stands tall when it comes to their welcome offer. Well, you get up to $1,000 in casino bonuses along with 200 free spins, and a bonus crab, too.
All said, Robocat is arguably the best New Zealand online casino when it comes to RNG table games. There are heaps of players out there who enjoy playing table games online, on their own, without the whole live casino feel.
Well, you can play the classic Blackjack from OneTouch, First Person Craps from Evolution, Go Craps from Play’n GO and plenty of other live games. They also have the biggest selection of high-RTP blackjack games. There are over 350 titles to choose from, including hot live dealer blackjack with betting limits up to $100,000.
5. Funbet – Excellent Variety Of Pokies with 11,000+ Titles

The Rundown
📝 License: Curacao eGaming Control Board
💰 Welcome bonus: 100% up to $1,000 + 200 free spins + 1 bonus crab
🔁 Wagering requirements: 35x
📱 VPN Accessibility: Accessible with a VPN
✅Diverse RNG table games
✅Good variety of niche games like Cards of Ra
✅Offers over 11,000 pokies form top providers
❌Not enough existing user promotions
The Details
Funbet is not exactly known for its range or promotions, but they do still run a nifty welcome offer, which you can cash in on over your first deposit. This most trusted online casino also makes it easy to keep track of through the wagering requirements, which can be completed in stages. That said, we’d love to see them add a few more promos for existing users.
There are also thousands of gaming options to choose from at Robocat, most of which are 11,000+ exciting online pokies. Among these, you can play online casino games such as the 200 top-notch Megaways or 400+ Bonus Buys.
They have also opted to work with the best game providers, such as One Touch, Blueprint Gaming, and Relax Gaming, which are renowned for offering the best Megaways games. Funbet also offers over 750 immersive live casino games, including a top collection of game shows, like Crazy Time and Pachinko.
Best of the Rest: More Recommended NZ Casinos
We have only reviewed our top five online casino New Zealand selections, but that doesn’t mean there aren’t any other good platforms out there. In fact, the other trusted online casino sites that have made our list are all superb options in their own right. So, let’s take a look at what each of them does well:
- Spinbara: 100% up to $1,000 + 200 FS + 1 bonus crab: At Spinbara, you can find exciting live gameshow games, with maximum bets of up to $40,000.
- TikiTaka: 100% up to $1,000 + 200 FS + 1 bonus crab: Earn plenty of useful perks through their stellar VIP program.
- Pistolo: 100% up to $1,000 + 200 FS + 15% Cashback: Get speedy withdrawals with no applied fees using several popular NZ payment methods.
- Magius: 100% up to $1,000 + 200 FS + 1 bonus crab: Play some of the best new online casino games, with over 2,300 exciting titles to choose from.
- Fatpirate: 100% up to $1,000 + 200 FS + 1 bonus crab: Explore over 190 roulette titles for electronic and live roulette gaming.
Are Online Casinos in New Zealand Legal?
When it comes to online casinos in New Zealand, the rules initially seem confusing. Kiwi players are not allowed to gamble at online casinos based within the country, but offshore casinos with proper licenses are fine to use.
This setup provides you with numerous safe options while still adhering to local gambling laws. The best online casinos NZ has available operate offshore and are regulated by gambling authorities in those regions, which means you can play with confidence knowing that the platforms are audited and fair.
Timeline of Online Casino Legislation
The laws surrounding gambling in New Zealand have evolved, with each change shaping the way you can enjoy live casino games today. Here’s a quick look at the key points:
- 2019: The New Zealand government opened consultations on how to update the Gambling Act to better cover online gambling.
- 2003: The Gambling Act was introduced, clearly stating that only offshore casinos could provide online gambling services to New Zealand players.
- Before 2003: Gambling was already tightly regulated, but the rules mainly focused on physical casinos, lotteries, and racing. Online casinos were not yet part of the picture.
Are Gambling Winnings Taxable in NZ?
Gambling winnings are not subject to tax in New Zealand. The general understanding is that money won from online pokies, table games, or sports betting is considered a form of luck-based winnings, rather than a regular source of income.
However, the rules can be different if gambling is treated as a professional activity, which is why it’s always best to double-check the latest guidance with a local tax professional or financial advisor.
Do I need to pay tax on casino winnings in New Zealand?
Finding the Right Casino/Sportsbook in NZ
The idea of using offshore casinos, even if they are the best online casinos NZ, might seem risky to some of you. Having that kind of mindset to start with is the right way to be. It’s that instinct that will ensure you never play with any shady sites. With that in mind, let’s touch on a couple of things you can keep in mind when assessing the most popular online casinos or even sportsbooks.
Is it safe?
Safety is the first thing most players worry about, and it’s an important question. Since New Zealand doesn’t license its own online casinos, offshore sites are the only choice. That means you’ll want to check that a casino is licensed by respected regulators such as the Malta Gaming Authority or Curaçao Gaming Control Board. These licenses ensure the casino operates fair games, keeps your funds separate, and handles complaints properly.
Beyond licensing, security tools like SSL encryption protect your personal details during deposits and withdrawals. Plenty of casinos also link to responsible gambling programs like GambleAware or New Zealand’s own Gambling Helpline. These are all elements you should be taking into account if you are reviewing an online casino yourself.
Are offshore online casinos safe for New Zealand players?
What bonuses and promotions does it have?
Bonuses are one of the biggest draws of the best online casinos NZ, and they’re worth comparing before you sign up. A typical welcome promotion in NZ might include a matched deposit or free spins on popular pokies. Ongoing rewards, such as cashback deals or VIP programs, keep you engaged beyond that initial deposit. Take some time to look at the promo pages of these sites to see what kind of perks they might have in store for you.
One of the most important things to check is the wagering requirement, which is the number of times you need to bet the bonus money before you can withdraw it. Low requirements typically range from 20-30x (sometimes even as low as 10x), while higher ones can reach 50-60x.
You don’t have to claim these offers and wait to find out later. Check the terms and conditions (T&Cs) on the promo page of each bonus you might want to claim to ensure that they are not overly restrictive in terms of wagering requirements or time limits.
How do I pay and withdraw?
Most offshore casinos accept credit and debit cards, but some New Zealand banks may block gambling-related transactions. That’s why many Kiwis use e-wallets like Skrill or Neteller, or opt for cryptocurrencies like Bitcoin, Ethereum, or Tether.
Crypto tends to be the fastest, often processing within minutes, while card and bank transfers may take a few days. It’s also worth checking whether the live casino lets you deposit and withdraw fast in NZD.
Some of the best online casinos NZ only operate in USD, EUR, or crypto, which means your bank might apply conversion fees. All these sites also have a banking page that you can review before signing up.
What games/sports can I play?
Not every live casino is equal when it comes to game variety. Most offshore sites offer a mix of pokies, table games, live games, and sports betting, catering to those who want to enjoy both. A good pokie will have a high RTP, while quality table games are often provided by top providers like Evolution or NetEnt. Bigger libraries don’t always mean better; sometimes it’s better to have a smaller but well-curated set of games.
For Kiwis, location-specific titles like Kiwi-themed pokies occasionally appear, giving a local flavour alongside global favourites like Gonzo’s Quest or Money Train. Sports fans can also find rugby, cricket, and netball markets, which are especially popular in NZ.
Playing Games at NZ Online Casinos
You can rest assured, the best online casino in New Zealand will always come with a wide array of games. You should have no trouble finding a game or 20 that you’ll want to try out. With that said, here are a couple of games that are widely popular with NZ gamblers:
Slots
Gonzo’s Quest
One of the most famous adventure online pokies, Gonzo’s Quest, is a NetEnt classic that sends you on a treasure hunt with cascading “avalanche” reels and multiplier boosts. It has a pretty high RTP of around 96% which means you’ll see plenty of returns on your spins. You can find Gonzo’s Quest at Spinbara.
Money Train
Money Train from Relax Gaming mixes steampunk and western themes on a 5×4 grid. Special features, such as re-spins and sticky wilds, give it a unique feel. Much like Gonzo’s Quest, the RTP sits at around 96%. Kiwi players can try this one at TikiTaka, one of the top online casinos in NZ.
Sugar Rush 1000
Bright, colourful, and sweet from start to finish, Sugar Rush 1000 appeals to anyone who enjoys candy-themed visuals and fast play. It has a real Candy Crush vibe to it, so it may evoke a rush of nostalgia for many of you.
It’s packed with multipliers and bonus rounds, and while the RTP varies, it usually sits near the 96% mark like most top online pokies. Big Clash loves their Pragmatic Play titles, so you’ll have no problem finding the game.
Blackjack
There are not many live dealer games that are more popular than blackjack. It’s one of the fairest table games around, especially when basic strategy is applied, with a super low house edge. The best place for RNG table games would be Funbet, but Robocat has the best live versions of the game, without a doubt.
Live Roulette
For a real live casino online atmosphere from home, live roulette is a great choice. A professional dealer spins the wheel on camera while players join in from their devices, choosing everything from straight-up number bets to red/black calls.
Some versions even add multipliers to make it even more interesting. Lightning Roulette is a favourite for many users, and French roulette is rapidly becoming immensely popular as well. Fatpirate has an ample variety of live dealer roulette titles.
Signing Up At Your NZ Online Casino
To sign up for the best live casino online NZ has to offer, you first have to go through a couple of steps.
Step 1: Sign Up

Naturally, the first step is for you to pick out one of the sites from our top 10 list. When you’ve chosen a site, head over to their page with your mobile or desktop browser. Once there, you can start filling out the registration form.
For the majority of our toplist brands, you’ll just need to enter an email address, password, and username. At the most, you’ll need to fill in your name, address, and phone number as well. You may need to do a KYC process (verify your identity and address), but many of our toplist brands are no KYC casinos.
Step 2: Deposit

When you’ve opened your account, the casino should take you straight to the deposit page. Here, you can choose from their list of fiat methods. Most of the sites in our guide will have NZD as an option for your fiat deposit, so you shouldn’t have to worry about conversion fees.
If you prefer, you can opt for one of the multiple crypto options they offer, such as BTC, LTC, ETH, DOGE, etc. Crypto deposits are instant on these crypto casino sites and usually have more flexible minimum and maximum limits.
Step 3: Play

With your casino wallet loaded and ready, it’s time to start playing your favourite casino games. We always recommend trying the demo versions of the casino games first to get a feel for how they work before placing real money bets.
Comparing NZ Online Casinos and Bricks & Mortar Casinos
There is a good chance that if you are living in NZ, your only casino experience has been at a land-based establishment. Well, there are some pretty clear differences between these retail locations and casinos online NZ. Here’s how the two compare:
| Feature | NZ Online Casinos | NZ Land-based Casinos |
| 🎰 Number of slot machines | Thousands of pokies from global providers, often including Megaways and progressive jackpots | A few hundred machines at most, with limited variety compared to online |
| 🪙 Payment options | Wide range including debit/credit cards, e-wallets, and crypto like Bitcoin or Tether | Primarily cash, EFTPOS, and credit cards at cashier desks |
| 🤳 ID verification | Quick KYC checks during signup; some offshore casinos even offer no-KYC play with crypto | Strict ID required on entry and for any major transactions |
| 💰 Bonuses & rewards | Welcome offers, free spins, cashback, and VIP programs for ongoing players | Physical loyalty cards and on-site perks like discounted meals or hotel stays |
| 🏠 Accessibility | Play from anywhere in NZ on desktop or mobile, 24/7 | Limited to the handful of licensed venues, often requiring travel |
| ⚖️ Regulation | Licensed offshore in Malta, Curaçao, or similar jurisdictions | Governed by NZ’s Department of Internal Affairs under the Responsible Gambling Act |
| 🎥 Live dealer games | Streams of blackjack, roulette, and game shows from global studios | Real tables and dealers, but only if you’re physically present |
| 🍸 Extra entertainment | Focus purely on gambling features and games | On-site bars, restaurants, concerts, and hotel packages |
Can I use NZD at online casinos?
What Are The Most Common Types Of Casino Bonuses?
Bonuses make the casino experience even more enjoyable. At the best online casinos in NZ, you’ll find plenty of offers to spice up your gameplay. Here are the most common bonuses you’ll likely come across and what they’re all about.
- Welcome bonus – A welcome bonus is designed to bring new players to a platform, so they’re often big-money deposit matches that can provide a major boost to your bankroll. Beyond their face value, you need to consider the significance of the wagering requirement, the time required to earn the bonus credits, and the minimum deposit amount.
- Reload bonus – A reload bonus is essentially a welcome bonus, but it rewards current players for their loyalty. Most commonly, reload bonuses are deposit matches, though often smaller than welcome bonuses.
- Cashback – Cashback rewards give players back a percentage of their net losses over a week or a month. This refund is usually given in the form of site credit.
- VIP program – Rewards programs add an extra layer of excitement, as you are potentially winning real money by wagering at casino games, but you’re earning points that boost your VIP status. Each VIP tier unlocks new perks, including dedicated customer support, faster withdrawals, and access to exclusive games.
- Free spins – Free spins are pretty self-explanatory. They’re risk-free spins on pokies where you get to keep any winnings. Free spins are often added onto a welcome bonus or offered as an ongoing promotion for popular or new games at a site.
- No deposit bonus – No deposit bonuses are the Holy Grail of the online casino world. It’s a promotion that offers site credit without having to deposit any funds. Because they benefit the player so much, they’re extremely rare.
The Best Casino Software Providers
If you’re new to the online casino world, it’s important to get up to speed on the major software developers that power the games you’ll be playing. The biggest names in the industry come from all corners of the world, and each specialises in different game areas and mechanics. Below, we’ve given you a brief overview of the top software providers for NZ casinos.
NetEnt
NetEnt has been one of the pioneers of the iGaming industry since it launched in 1996. It is popular with Kiwis and players from all over the world, with timeless favourites like Gonzo’s Quest. Overall, NetEnt has produced over 200 top-quality casino games that are used across all our toplist brands.
Pragmatic Play
Pragmatic Play is one of the largest and most popular software providers in the world, boasting a huge range of award-winning pokies. Few game developers roll out games at the frequency of Pragmatic Play, often producing up to eight new games each month. Some of its major titles include the Big Bass series, The Dog House, Sweet Bonanza, and Sugar Rush.
Aristocrat
One of the most prominent Australian software providers, and one of the biggest global players in physical casino gaming. Aristocrat has brought its major pokies to online casinos, such as Queen of the Nile and Buffalo. Aristocrat also boasts a huge range of licensed casino games, including major brands like Game of Thrones, the NFL, and Tarzan.
Evolution Gaming
Evolution Gaming is synonymous with live casino gaming. Founded in 2008 in Sweden, Evolution produced over 700 games, with Lightning Roulette and Speed Blackjack among its signature live titles.
Big Time Gaming
Kiwis will be familiar with Big Time Gaming, which originates from neighbouring Australia. After its establishment in 2011, Big Time Gaming became renowned for its innovative Megaways feature. This mechanic was first introduced in Dragon Born in 2016 and became a massive success with the Bonanza slot game. Big Time Gaming has since licensed the Megaways technology and was acquired by Evolution in 2021.
Hacksaw Gaming
Hacksaw Gaming specialises in mobile-friendly pokies, scratch cards, and instant-win titles. In total, the company boasts 250+ games and 3,000+ brand partnerships in 35+ regulated markets. Hacksaw Gaming has established a strong reputation in the industry since opening its doors in 2018, receiving acclaim for its standout video slots. Its most prominent pokies include Wanted Deal or a Wild and Chaos Crew.
What Payment Methods Are Available At NZ Online Casinos?
When playing at online casinos in NZ, you’ll have a huge variety of payment methods to choose from to fund your account.
But all payment methods have their advantages and disadvantages, so which one is best for you comes down to what is most important for you when making online transactions. Here are the most popular methods.
- Debit/credit cards – A classic method of payment that you’ll find at nearly every online casino. Visa and Mastercard, the world’s two biggest card providers, are naturally the most common options players will come across. Deposits with cards are instant, which is a big pro. However, withdrawals can incur fees and take 3-5 days to process.
- Cryptocurrency – Coins like Bitcoin, Ethereum, and Tether provide instant deposits and payouts within hours. Crypto payments also provide high levels of anonymity, with no personal information required. A drawback is that there can be fees for withdrawals.
- Bank transfer – A traditional payment method that moves money directly from your bank account to your chosen online casino. People continue to use bank transfers because they can be used for both deposits and withdrawals, as well as their high levels of security and reliability. But their withdrawal times can be off-putting for some, as you’ll likely need to wait at least a week to receive your funds.
- eWallets – Providers like Apple Pay, PayPal, and Skrill have become the go-to option for payments for many online gamblers, especially younger players. Their main benefit is that they act as a middleman between you and the casino, so no card or bank information is directly entered into the casino.
Which payment methods work for New Zealand online casinos?
Pros & Cons Of Playing At Kiwi Casinos For Real Money
Playing at Kiwi casinos might be the best option for all players, as the advantages outweigh the drawbacks. Below, we’ve provided an easy-to-read table breaking down the main pros and cons.
Pros
- Generous welcome bonuses as casinos compete to draw in new players
- Ongoing promotions to utilise and maximise long-term profitability
- Chance to win real money from your own home
- Top-quality games from leading software companies
- Wide variety of casino titles, including pokies and table games
- Compete against other players in tournaments
Cons
- Risk of losing real money and creating financial issues
- Requires constant bankroll management
- Can potentially lead to a gambling addiction
Gambling Responsibly
The top online casinos in NZ can be a lot of fun, but it’s important to keep control of your play. Responsible gambling means setting limits for yourself, keeping track of your spending, and recognising when the experience stops being fun and starts becoming more stressful than it should. The best casinos in our guide support responsible gambling by offering deposit limits, loss limits, cooling-off periods, and self-exclusion tools, which help you to stay in control of your live casino experience.
That said, these tools may not always be enough for some players. This is where the time may have arrived for you to seek help from the many reliable organisations in NZ that deal with gambling addiction. Visit these responsible gambling sites if you ever need help.
- Gambling Helpline New Zealand or call 0800 654 655
- Gamblers Anonymous New Zealand
Choosing Your Next NZ Online Casino/Sportsbook
We now know that you can access offshore online casino sites in NZ with no real issues. Not only that, but many of the top online casinos in NZ are also VPN-friendly, so you can easily access them.
That said, try to keep in mind what we touched on when it comes to choosing a platform. You can also make your life easier by sticking with the sites in our list. If not, always take the necessary steps to ensure that casinos are licensed, secure, and reliable before signing up and making a deposit.