Key facts
- MiFinity UK Limited is authorised by the UK Financial Conduct Authority as an e-money issuer (register ref. 900090); Mifinity Malta Limited by the Malta Financial Services Authority.
- Australia is not on MiFinity's list of non-serviced countries, and the Australian dollar is one of its 18 wallet currencies.
- A personal account is free, but top-ups cost money: 2.5% to 4% by card, 4.5% by A$ eVoucher, 1.8% by crypto, plus up to 2.99% to convert currencies.
- MiFinity says to allow 1 to 2 working days for a withdrawal to arrive, and a withdrawal held for ID checks can take up to 24 hours to review.
- After 12 months without logging in, an account becomes inactive and is charged EUR 1 a month.
What MiFinity is
MiFinity is an eWallet: you load money into it, pay a website from the wallet, and receive withdrawals back into it. The casino sees your MiFinity account, not your bank details. MiFinity says you can hold up to nine wallets in different currencies, fund them through more than 80 payment methods, and withdraw to a card, a bank account or crypto. Its app is free on Android and iOS. Skrill and Neteller are eWallets of the same kind, each with its own Australian fee table.
It is regulated overseas. MiFinity UK Limited is authorised by the UK Financial Conduct Authority under the Electronic Money Regulations 2011 (register ref. 900090), and Mifinity Malta Limited is authorised by the Malta Financial Services Authority. Neither is an Australian licence.
Can Australians use MiFinity?
Australia is not on MiFinity's list of non-serviced countries, which names places such as the United States, Russia and Iran. The Australian dollar is one of the 18 currencies its developer documentation lists for wallets, alongside the euro, the pound and the New Zealand dollar. Keeping an AUD wallet matters, because it is how you avoid paying to convert money twice.
MiFinity fees for an Australian user
The account itself is free for personal use. The costs are in getting money in, converting it and leaving it idle. From MiFinity's fee page:
| What you do | Fee |
|---|---|
| Top up by Visa card | 2.5% (non-EEA rate) or 3.5% (interregional) |
| Top up by Mastercard | 2.5% (non-EEA) or 4% (interregional) |
| Top up by A$ MiFinity eVoucher | 4.5% |
| Top up by crypto | 1.8% |
| Convert between currencies | Up to 2.99% above wholesale, up to 3.99% for less common pairs |
| Send to friends and family | 1%, capped at EUR 10 |
| Move between your own MiFinity wallets | Free |
| Receive money | Free |
| No login for 12 months | EUR 1 a month from the balance |
The fee page groups card rates by region rather than by country, so check which rate MiFinity applies to your card on the top-up screen.
Worked example: what a deposit costs
Say you top up $200 and the casino holds your balance in Australian dollars:
- By Visa at 2.5%: $5.00 in fees.
- By Visa at the 3.5% interregional rate: $7.00.
- By A$ eVoucher at 4.5%: $9.00.
- By crypto at 1.8%: $3.60, plus whatever your exchange and the network charge.
Now say the casino only offers a euro balance. Converting the $195 left after a 2.5% card top-up costs up to another 2.99%, about $5.83. If your winnings are later converted back to dollars, you pay the conversion again on the way out. A card top-up, a conversion in and a conversion back out can cost just over 8% of the money that makes the round trip: 1 - (0.975 x 0.9701 x 0.9701) = 8.2%.
MiFinity casino deposits and withdrawals
- Open a MiFinity account with a mobile number, email and password, and create an AUD wallet.
- Top up the wallet using the cheapest method available to you.
- In the casino cashier, choose MiFinity and approve the payment in your MiFinity account.
- To withdraw, request a MiFinity payout from the casino, then move the money from MiFinity to your bank or card.
Most casinos pay withdrawals to the method you deposited with. Wild Tokyo's terms say so directly, and set a AUD 30 minimum for withdrawals by "other payment methods", the group for anything that is neither a bank transfer nor crypto.
Verification and payout times
MiFinity lets you transact as soon as you sign up, but higher limits need documents. For customers outside Europe that means proof of identity with a selfie. Documents can be rejected for poor image quality or the wrong document type, so send clear colour photos.
On timing, MiFinity says to allow 1 to 2 working days for funds to arrive after a withdrawal. A withdrawal marked "On Hold KYC" is being reviewed by its payments team, which can take up to 24 hours. To withdraw to a card, you need a 4-digit code that appears on your card statement after your first successful card deposit, and MiFinity calculates the final fee when it approves the withdrawal. Add the casino's own review time, and its withdrawal limits, on top of all this.
Pundit tip: keep the MiFinity wallet and the casino balance in the same currency, ideally AUD. Each conversion can cost up to 2.99%, and you pay it in both directions.
What we found at our partners
Four of our partners list MiFinity on their public payments pages (read 9 October 2026):
| Partner | MiFinity deposits | MiFinity withdrawals |
|---|---|---|
| LuckyOnes | AUD 30 to 4,000 | AUD 30 to 4,000 |
| Lucky Dreams | AUD 30 to 4,000 | AUD 30 to 4,000 |
| Wanted Win | A$20 to A$4,000 | A$20 to A$1,000, shown as instant |
| VegasNow | AUD 30 to 4,000 | Not read: the withdrawals tab did not open |
The other partners show payment methods only in the cashier after you log in, so check that MiFinity is offered for withdrawals, not only deposits, before you load a wallet.
Online casinos cannot be licensed in Australia, and an overseas eWallet licence does not change that. Read are online pokies legal in Australia before you play. For other ways to pay, see casino payment methods in Australia, and for what really decides payout speed, our instant withdrawal casino guide.
Our partner sites
Terms checked 8 to 9 October 2026We earn a commission if you join through these links; it pays for the site and does not change the facts we show. Listed in no particular order. Every detail comes from the casino's own terms, except ACMA notes, which come from ACMA's blocked list. These are offshore casinos without an Australian licence, so BetStop and Australian dispute services do not cover them: read whether online pokies are legal in Australia and our affiliate disclosure.Commission links. Offshore sites with no Australian licence or BetStop cover: is it legal?
LuckyOnes
Partner · termsTerms checked 9 Oct 2026- Withdrawals
- AUD 6,000 a day
- Max bet (bonus)
- AUD 8
- Min deposit
- AUD 30
- Names no licence or operating company in its terms or footer
- luckyones.com, luckyones1.com and luckyones7.com are on ACMA's blocked list (8 Oct 2026)Main domain on ACMA's blocked list
Wild Tokyo
Partner · termsTerms checked 8 Oct 2026- Withdrawals (entry)
- AUD 800 a day
- Max bet (bonus)
- AUD 8
- Monthly cap (entry)
- AUD 13,000
- States a Curacao eGaming licence (no number shown)
18+ Offers and terms change often; the casino's own terms always apply. Never gamble money you need. Free help: Gambling Help 1800 858 858, 24/7.
Frequently asked questions
Is MiFinity available in Australia?
Australia is not on MiFinity's published list of non-serviced countries, and the Australian dollar is one of its 18 supported wallet currencies. Whether a particular casino offers MiFinity to Australian players is up to that casino's cashier.
Is MiFinity regulated?
Yes, overseas. MiFinity UK Limited is authorised by the UK Financial Conduct Authority under the Electronic Money Regulations 2011, register ref. 900090, and Mifinity Malta Limited is authorised by the Malta Financial Services Authority. It is not an Australian regulated service.
How much does MiFinity charge?
The account is free for personal use. Fees come from topping up and converting: for example 2.5% for a Visa card at the non-EEA rate, 4.5% for an A$ MiFinity eVoucher and up to 2.99% on currency conversion. MiFinity says withdrawal fees are calculated when the withdrawal is approved.
How long do MiFinity withdrawals take?
MiFinity says to allow 1 to 2 working days to receive funds after a withdrawal. If it is marked On Hold KYC, its payments team reviews it first, which can take up to 24 hours.
Which casinos accept MiFinity deposits?
Four do, on public payments pages read 9 October 2026: LuckyOnes and Lucky Dreams for deposits and withdrawals (AUD 30 to 4,000), Wanted Win for deposits (A$20 to A$4,000) and withdrawals (A$20 to A$1,000), and VegasNow for deposits. The others show methods only in the cashier, so check it for both deposits and withdrawals before you fund a wallet.
Do I need ID for MiFinity?
You can start with a phone number, email and password, but higher limits need verification. Outside Europe, MiFinity asks for proof of identity with a selfie.
Related reading
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