Online Scratchcards: What a Bonus Really Costs You Here

Niamh Hegarty
| Fact checked by: , Casino Games & Software Analyst
Last updated 23 October 2026, 12:18

This page is for you if you play scratchcards online and want to know what a bonus costs before you take it. The terms behind the casinos listed here were last re-read on 23 October 2026, with one question in mind: does a scratchcard bet count towards wagering, and at what rate? It matters more than the headline. A €50 bonus at 35x means €1,750 of bets, but at 20% weighting the same bonus asks for €8,750 on scratchcards.

Casinos where scratchcards count towards wagering

4-10 days
  • Gibraltar Remote Gaming Licence No. 112
  • Minimum withdrawal €10 on all methods
  • Gold VIP withdrawals processed within one business day
18+ | T&Cs apply. Gamble responsibly.
1-4h
  • Flutter group, licence numbers published openly
  • Pay by Bank withdrawals typically 1-4 hours
  • Pay by Bank minimum deposit only €5
18+ | T&Cs apply. Gamble responsibly.
4h-3 days
  • Gibraltar Remote Gaming Licence number 112
  • Visa Direct withdrawals up to 4 hours
  • 24/7 support through the Messaging service
18+ | T&Cs apply. Gamble responsibly.
2-72h
  • Withdrawals processed within around 4 hours
  • Free withdrawals from €5 to €50,000
  • Up to 200 free spins over 10 days
18+ | T&Cs apply. Gamble responsibly.
0-5 days
  • MGA licence MGA/CRP/171/2009/01 since 2018
  • 50 free spins with no wagering
  • No minimum withdrawal on cards
18+ | T&Cs apply. Gamble responsibly.
3-5 days
  • Malta Gaming Authority licence MGA/CRP/121/2006
  • Wagering 40x bonus, 30x spin winnings
  • Minimum withdrawal €4 on all methods
18+ | T&Cs apply. Gamble responsibly.
24-48h
  • MGA licence MGA/B2C/130/2006 for casino
  • Withdrawals processed within 24 hours
  • Minimum €5 debit card deposit
18+ | T&Cs apply. Gamble responsibly.
0-72h
  • MGA licence MGA/CRP/217/2012-05 since 2012
  • 5,600+ games including 5,100+ slots
  • Withdrawal approval within three days
18+ | T&Cs apply. Gamble responsibly.
0-5 business days
  • Malta Gaming Authority licence MGA/CRP/237/2013
  • Over 3,000 slots and table games
  • Over 600 live casino tables listed
18+ | T&Cs apply. Gamble responsibly.
2-48h
  • MGA licence MGA/B2C/126/2006 for casino
  • 10x wagering on the welcome bonus
  • Withdrawals processed within 2-48 hours
18+ | T&Cs apply. Gamble responsibly.
Show 12 more
0-5 days
  • Malta Gaming Authority sub-licence MGA/CRP/1117/2025/02
  • Withdrawals processed within a stated 3 hours
  • Around 2,500 games from roughly 40 studios
18+ | T&Cs apply. Gamble responsibly.
24h-5 days
  • Kahnawake Gaming Commission permit, Baytree Interactive
  • Four 100% matches up to €400 each
  • E-wallet payouts within around 24 hours
18+ | T&Cs apply. Gamble responsibly.
24-72h
  • Welcome offer up to €1,000 across three deposits
  • Minimum deposit of €10 per bonus stage
  • Seven named studios including Pragmatic Play, Hacksaw
18+ | T&Cs apply. Gamble responsibly.
48h-5 days
  • Kahnawake licence 00972, eCOGRA certified
  • €1 first deposit for 80 chances
  • Over 1,000 games on one platform
18+ | T&Cs apply. Gamble responsibly.
24-72h
  • Malta Gaming Authority licence, Rizk Nordic Limited
  • Minimum deposit of €10 across methods
  • Over 2,400 slots from major studios
18+ | T&Cs apply. Gamble responsibly.
0-24h
  • MGA licence MGA/CRP/108/2004 held by BML Group
  • E-wallet withdrawals processed within 24 hours
  • Over 3,000 games from Evolution and NetEnt
18+ | T&Cs apply. Gamble responsibly.
0-24h
  • Malta Gaming Authority licence MGA/B2C/599/2018
  • E-wallet withdrawals processed within 0-24 hours
  • Minimum deposit of €10 on most methods
18+ | T&Cs apply. Gamble responsibly.
0-24h
  • Up to 20% daily cashback, 10x wagering
  • E-wallet payouts quoted at 0-1 hours
  • Withdrawal caps of €5,000 per day
18+ | T&Cs apply. Gamble responsibly.
12h-5 days
  • Curaçao licensing via TechSolutions Group
  • Over 11,500 games from 100+ studios
  • E-wallet withdrawals within about 24 hours
18+ | T&Cs apply. Gamble responsibly.
0-24h
  • Over 4,000 games from 60+ studios
  • E-wallet withdrawals targeted within 12 hours
  • Minimum deposit of €10 on most methods
18+ | T&Cs apply. Gamble responsibly.
0-24h
  • Withdrawals processed within 0-24 hours stated
  • Wagering of 15x deposit per bonus tranche
  • Over 35 named software studios in lobby
18+ | T&Cs apply. Gamble responsibly.
10 min-24h
  • Curaçao Gaming Authority licence OGL/2024/165/0185
  • Crypto payouts targeted within one hour
  • Over 4,500 slots, tables and live games
18+ | T&Cs apply. Gamble responsibly.
Expert Comment

Compare the scratchcard weighting on each card before the bonus amount. A €100 offer at 10% costs more in tickets than a €50 offer at 100%.

888 Casino review

888 Casino rating
Overall Rating4.3/5
Bonuses & Promotions 4.3
Banking & Payout Speed 3.9
Software & Games 4.5
Security & Trust 4.6
Customer Support 4.1
User Experience 4.4
888 Casino at a Glance
Key FeatureIn-house 888 slots and table games
Welcome Bonus100% up to €500, 40x wagering
Min. Deposit€10
Number of GamesApproximately 2,000+
Game Providers888 in-house studio, Evolution, NetEnt, Pragmatic Play (approx.)
Payment MethodsVisa, Mastercard, PayPal, Skrill, NETELLER, Paysafecard, bank transfer
Payment ServicesSkrill, NETELLER, PayPal, MuchBetter
Mobile AppiOS and Android apps, plus browser
VIP ProgrammeYes, invitation-based VIP Casino Club
RTPAround 95-97% on most slots, varies by title
LicenceGibraltar Remote Gaming Licence No. 112
Operator888 Eire Limited (Gibraltar)
Launch Date1997
Legal Age18+
888 Casino on Mobile
888 Casino mobile app home page as seen by players in Ireland
888 Casino cashier on mobile with Irish payment methods and limits
888 Casino licensing details for 888 Eire Limited under Gibraltar Licence 112
888 Casino Strengths and Weaknesses
  • Irish casino service licensed in Gibraltar under Remote Gaming Licence No. 112, named on every page
  • Choice of welcome offers: 100% up to €500 or 100 free spins for a €10 deposit
  • Operator history going back to 1997, with its own in-house slot and table studio
  • Withdrawal timeframes published per method, including a one-day pending window for Gold VIP members
  • Standard pending period of three business days before any withdrawal is processed
  • 40x wagering on the match bonus, with Skrill and NETELLER deposits excluded from the offer
  • Live chat only available while logged in and during operational hours, which are not published
888 Casino quick review

An in-house studio, approximately 2,000 titles and single-zero roulette at a 2.7% house edge: the 888 Casino games overview explains where the RTP is shown and why studios release several versions.

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Betfair Casino review

Betfair Casino rating
Overall Rating4.3/5
Bonuses & Promotions 4.0
Banking & Payout Speed 4.6
Software & Games 4.3
Security & Trust 4.5
Customer Support 4.2
User Experience 4.4
Betfair Casino Quick Facts for Ireland
Key FeatureCasino, sportsbook and Exchange on one account
Welcome Bonus€2 free bonus, 1x wagering, 7 days
Min. Deposit€5 via Pay by Bank; €20 standard transfer
Number of GamesApproximately 1,000+ titles
Game ProvidersBlueprint (Jackpot King), Evolution, others
Payment MethodsDebit card, Pay by Bank, bank transfer, Apple Pay
Payment ServicesVisa, Mastercard, Apple Pay, PayPal (typically)
Mobile AppiOS and Android apps, plus browser
VIP ProgrammeNo public VIP scheme confirmed
RTPTypically 94-97% on slots
LicenceGRAI (betting); MGA/CRP/131/2006 (gaming)
OperatorFlutter Entertainment plc group
Launch DateBetfair brand founded 1999
Legal Age18+
Betfair Casino Mobile Screenshots
Betfair Casino mobile app on iOS and Android for Irish players
Betfair Casino payment options including Pay by Bank and Apple Pay
Betfair Casino licence details including Malta Gaming Authority MGA/CRP/131/2006
Betfair Casino Hits and Misses
  • Licence entities and numbers listed on a public regulatory information page, not buried in terms
  • Pay by Bank withdrawals are stated at 1-4 hours, with a €5 minimum
  • The €2 free bonus carries only 1x wagering, which is unusually light
  • The Irish casino welcome offer is small next to the sportsbook and UK casino deals
  • Standard bank transfers take 1-5 days and need a €20 minimum deposit
Betfair Casino quick review

Blueprint’s Jackpot King network and Playtech’s live studio anchor a library of approximately 1,000 titles, with slot RTPs typically between 94% and 97%, all weighed in our Betfair Casino games overview.

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William Hill Casino review

William Hill Casino rating
Overall Rating4.4/5
Bonuses & Promotions 4.0
Banking & Payout Speed 4.5
Software & Games 4.4
Security & Trust 4.6
Customer Support 4.2
User Experience 4.4
William Hill Casino Quick Facts
Key FeatureOne account for sportsbook, Vegas, poker and bingo
Welcome Bonus200 free spins on Big William Hill Fortune for a €10 stake
Min. DepositTypically around €5-€10 depending on method
Number of GamesApproximately 1,700-2,000
Game ProvidersPlaytech, Games Global, Red Tiger, ELK Studios, Pragmatic Play
Payment MethodsVisa, Mastercard, bank transfer, Apple Pay, PayPal
Payment ServicesVisa Direct, PayPal, Skrill, Neteller, Paysafecard
Mobile AppiOS and Android (Vegas app)
VIP ProgrammeNo public tiered VIP scheme confirmed
RTPTypically around 94-97% per slot
LicenceGibraltar Remote Gaming Licence 112 (casino); GRAI-1096-RB-26-0001 (sportsbook)
OperatorWH Ireland Limited (Evoke plc group)
Launch Date1934 (brand); online casino since the late 1990s
Legal Age18+
William Hill Casino on Mobile
William Hill Vegas app on iOS and Android for Irish players
William Hill payment options including Visa Direct withdrawals within four hours
William Hill Gibraltar Remote Gaming Licence 112 and safer gambling tools
William Hill Casino: Strengths and Weaknesses
  • Casino operated under Gibraltar Remote Gaming Licence 112, with the operator named in every footer
  • Visa Direct card withdrawals stated at up to four hours, weekends included
  • Support runs 24/7 through Messaging, and one login covers sportsbook, Vegas, poker and bingo
  • Free spin winnings are capped at €30 and unused spins disappear after 24 hours
  • Casino side is not yet licensed by the Irish regulator; no phone line confirmed for Irish players
William Hill Casino quick review

Playtech jackpots, Pragmatic Play, Red Tiger and ELK Studios slots fill a lobby of roughly 1,700 to 2,000 games, alongside single-zero roulette at a 2.7% house edge, all covered in the William Hill Casino games overview from our desk.

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bet365 Casino review

bet365 Casino rating
Overall Rating4.5/5
Bonuses & Promotions 4.2
Banking & Payout Speed 4.7
Software & Games 4.4
Security & Trust 4.5
Customer Support 4.4
User Experience 4.6
bet365 Casino at a Glance
Key FeatureOne wallet shared with the bet365 sportsbook
Welcome BonusUp to 200 free spins over 10 days
Min. Deposit€5–€10 depending on method
Number of GamesApproximately 1,500+ (unconfirmed)
Game ProvidersPlaytech, in-house titles and other studios (unconfirmed list)
Payment MethodsVisa Debit, Mastercard Debit, bank transfer, Trustly
Payment ServicesPayPal, Apple Pay, Paysafecard
Mobile AppiOS and Android, casino inside main app
VIP ProgrammeNo public VIP tiers published
RTPTypically 94–97% on slots
LicenceGRAI remote betting; casino under MGA (check footer)
Operatorbet365 Group / Hillside entities
Launch Date2000 (bet365 brand)
Legal Age18+
bet365 Casino on Mobile
bet365 Casino inside the main bet365 app on iOS and Android
bet365 Casino payment methods including PayPal, Apple Pay and debit cards
bet365 Casino licensing, KYC checks and responsible gambling tools for Ireland
bet365 Casino: Hits and Misses
  • Stated withdrawal processing target of around four hours, with Visa Direct possibly inside two
  • No fees on any listed withdrawal method, with bank transfers up to €50,000
  • Free spins welcome offer needs only €10 in lifetime deposits to qualify
  • Holds a GRAI remote betting licence, listed on the public Irish register
  • Casino, sportsbook and live dealer games share one balance and one login
  • GRAI has not yet opened casino licences, so casino cover still relies on Malta
  • Free spins prizes of 5, 10 or 20 are randomised, not a fixed amount
  • Withdrawals must normally return to the deposit method, which is awkward to change
  • No published VIP ladder or tiered loyalty scheme for casino players
bet365 Casino quick review

Playtech progressive jackpots, bet365 exclusive slots and a live dealer section with blackjack, roulette and baccarat fill an estimated 1,500-title library, set out in the bet365 Casino games overview.

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PlayOJO Casino review

PlayOJO Casino rating
Overall Rating4.5/5
Bonuses & Promotions 4.7
Banking & Payout Speed 4.5
Software & Games 4.6
Security & Trust 4.4
Customer Support 4.0
User Experience 4.5
PlayOJO Casino Ireland at a Glance
Key FeatureNo-wagering bonuses and OJOplus money back on every bet
Welcome Bonus50 wager-free spins on Book of Dead, €10 minimum deposit
Min. Deposit€10
Number of Games4,000+ (operator also cites over 7,000)
Game ProvidersEvolution, Pragmatic Play, Play'n GO, NetEnt, Nolimit City, Relax Gaming
Payment MethodsVisa Debit, Mastercard Debit, Apple Pay, Instant Bank, Trustly
Payment ServicesPayPal, Skrill, Neteller, MuchBetter
Mobile AppMobile browser site; native apps not confirmed for Ireland
VIP ProgrammeOJO Levels with Kickers, OJO Wheel and Prize Twister
RTPVaries by game; approximately 94-97% on mainstream slots
LicenceMalta Gaming Authority, MGA/CRP/171/2009/01
OperatorSkill On Net Limited, Ta' Xbiex, Malta
Launch Date2017
Legal Age18+
PlayOJO Casino on Mobile
PlayOJO mobile browser site with full slot lobby on a phone
PlayOJO mobile cashier showing Apple Pay, Visa Debit and PayPal options
PlayOJO licence details from the Malta Gaming Authority shown on mobile
PlayOJO Casino: Strengths and Weaknesses
  • Welcome free spins carry no wagering, so winnings are paid as withdrawable cash.
  • OJOplus returns a small cash percentage on every real-money bet, win or lose.
  • No minimum withdrawal on Visa, Mastercard, Apple Pay and Instant Bank payments.
  • No telephone support, and the welcome offer is small next to match-bonus rivals.
  • Irish GRAI licence still pending; the Irish site currently relies on its Maltese licence.
PlayOJO Casino quick review

More than 4,000 games from over thirty studios approved on the MGA register, including Evolution, Play’n GO and Nolimit City, plus live tables reserved for Ireland: our PlayOJO Casino games overview explains the RTP versions behind them.

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How we rank casinos for online scratchcards

The ranking is built from each casino’s published terms, its game lobby and its licence record, read with scratchcards in mind. Affiliate commission does not move a placing, and neither does the size of a headline bonus once its weighting and caps are worked through.

Exclusive Bonuses and Welcome Offers 0%
Fast Deposits and Secure Withdrawals 0%
Quality Games and Software Providers 0%
App Design, Navigation and Interface 0%
24/7 Assistance and Response Quality 0%
Licensing and Data Protection Standards 0%

Scratchcard offers and their wagering terms

A bonus that counts scratchcard bets at 100% towards wagering of 35x or less raises a placing. Weighting of 10-20%, a clause excluding “instant win games” altogether, or a cap on bonus winnings below five times the bonus lowers one, because each turns a modest offer into thousands of euro of extra bets.

Payout speed and payment methods

A casino stating withdrawals processed within 24 hours to card or e-wallet, with no fee and a minimum withdrawal of €20 or less, places higher. A stated pending period of 72 hours or more, a fee on small cash-outs, or KYC checks only demanded at the first withdrawal pull a casino down this list.

Scratchcard selection and providers

What lifts a casino here is a separate scratchcard category, titles from several studios and an RTP figure in each game’s information screen. Fewer than ten scratchcards, or games mixed into a general “instant” pile with no RTP published, lower a placing. Ticket prices count too: a range starting at €0.10 suits small budgets, while a lobby where every card costs €1 or more does not.

Mobile use and how the lobby is built

Scratchcards are a phone game, so a lobby that filters instant games in one tap and loads cards in portrait mode raises a placing. Games that open only in landscape, or a search that cannot find scratchcards by name, lower it.

Licence details and game certification

A licence you can check on the regulator’s public register, and games carrying a named testing lab’s certificate, raise a placing. A missing licence number, a register entry that does not match the trading name, or no complaints route beyond the casino itself lowers one. While Irish licences for casino games are not yet issued, we look harder at the foreign licence and its dispute process.

Customer support and how reachable it is

Live chat open at least 16 hours a day, and agents who can answer a direct question about scratchcard weighting by quoting the terms, raise a placing. Email-only support, or answers that send you back to a generic FAQ, lower one.

Expert Comment

If you never accept bonuses, the first criterion barely applies to you. Weight banking and the scratchcard lobby more heavily instead.

What you are buying with an online scratchcard

An online scratchcard is a ticket with a fixed price and a result that is settled the moment you buy it. Scratching, whether by swiping the screen or pressing a reveal button, only shows you what the random number generator has already decided.

That changes how to think about it.

There is no skill, no strategy and no timing that improves a ticket. The only decisions you make are the price of each card, how many you buy and whether a bonus is attached to the money you are spending. Everything on this page is about the last of those, because it is the one where the casino’s wording does the most damage.

Each game publishes a return to player figure, usually in the information or help screen. RTP is a long-run average across millions of tickets, not a promise about your session. A card listed at 95% returns, on average, €95 for every €100 staked across all players, and a single evening of €20 can go to zero without the game being faulty.

Prize tables matter as much as the RTP. Some cards pay small amounts often, returning your stake or double it on a large share of tickets; others keep most of their return for rare large prizes. The information screen normally shows the prize ladder, and reading it before your first ticket tells you which kind you are holding.

The weighting clause that decides the real cost

Most casino bonuses come with wagering, and wagering is counted by game type. The clause usually reads something like “Slots contribute 100%, scratchcards and instant win games contribute 20%”. That one line is the price tag for a scratchcard player.

Work it through. A €50 bonus at 35x needs €1,750 of qualifying bets. At 20% weighting, only €0.20 of each euro you stake on scratchcards counts, so the real figure becomes €8,750 of tickets before the bonus money can be withdrawn.

At 10%, it is €17,500.

Some terms go further and exclude the category outright: “Bets placed on instant win games, scratchcards and table games will not contribute towards wagering requirements.” If you play scratchcards with that bonus active, you are spending your balance without moving the counter at all, and the bonus can expire with your deposit already gone.

Where to find it

Weighting rarely sits in the promotion’s own box. It is normally in the general bonus terms, under a heading such as “game contribution” or “wagering contribution”. What I check first is whether scratchcards are named separately or lumped in with “other games”, because “other games 0%” catches them just as surely.

Maximum bet rules and capped winnings

Two more clauses sit beside weighting and do almost as much harm. The first is the maximum bet while a bonus is active, typically written as “The maximum stake permitted while wagering a bonus is €5 per spin, round or ticket.”

Scratchcards are usually safe here, since ticket prices are fixed and most are well under €5. The risk is the multi-ticket button: buying ten €1 cards in one action can be treated as a single €10 bet under some wordings, and a breach typically lets the casino void the bonus and any winnings made with it.

Read the word “round” carefully.

The second clause caps what a bonus can turn into. “Maximum withdrawable winnings from bonus funds are limited to €100” means that a €500 prize won on a bonus-funded ticket is trimmed to €100 at the point you convert. Scratchcards are built around occasional large prizes, so a low win cap removes exactly the outcome that makes the game appealing, while leaving you to bear the full wagering.

Sticky bonuses add a third twist. With a sticky, or non-cashable, bonus the bonus amount itself is removed when you withdraw, so a €50 sticky bonus that ends at a €120 balance pays out €70. A non-sticky bonus plays your own deposit first, and if you win before touching bonus funds you can usually withdraw without wagering at all. For a scratchcard player facing low weighting, non-sticky is the less costly shape by a distance.

Deadlines finish the picture. Seven days to clear €8,750 is roughly €1,250 of tickets a day, which is not a realistic target for most budgets.

Five bonus shapes worked out on scratchcards

The rows below are worked examples rather than named offers: the same €50 bonus, or a €50 loss for cashback, run through the clause shapes we see most often in published terms, with the arithmetic done for you.

Offer shapeWageringScratchcard weightingScratchcard bets neededWhat it means
€50 bonus, non-sticky35x bonus100%€1,750Workable on a small budget
€50 bonus, non-sticky35x bonus20%€8,750Five times the headline cost
€50 bonus on €50 deposit35x deposit + bonus100%€3,500Double, because deposit counts
€50 bonus on €50 deposit35x deposit + bonus10%€35,000Not realistic for scratchcards
€50 bonus, sticky10x bonus50%€1,000Bonus removed at withdrawal
10% cashback on €50 lossNoneNot applicable€0€5 paid as cash

Scratchcards and the law in Ireland

The Gambling Regulation Act 2024 set up the Gambling Regulatory Authority of Ireland, which was formally established in March 2025. Remote betting licences issued by the authority commenced on 1 July 2026.

Online casino games, scratchcards included, sit under a separate remote gaming licence that is being phased in after betting. Until those licences are issued, the casinos available to Irish players operate on licences granted in other jurisdictions, and the licence in the footer is the one that governs your complaint if something goes wrong.

The inducement provisions are the part that touches bonuses directly. The Act prohibits licensees from offering inducements aimed at encouraging people to gamble or keep gambling, and it treats free bets used that way as the standard example. Those obligations apply to an operator once it holds a licence from the authority, so the offers you see on a foreign-licensed casino today are not yet shaped by them.

The Act also provides for a National Gambling Exclusion Register, where one request would cover every licensed operator. Until it is operating, self-exclusion is done casino by casino.

Credit cards are another change worth knowing about, since the authority’s stated role includes banning gambling with them.

Scratchcards or slots for clearing a bonus

If you have already taken a bonus and want to clear it, the game you choose decides how much you stake. The comparison below sets scratchcards against video slots on the points that terms usually address.

Slots win the wagering argument most of the time, simply because they are normally weighted at 100%. Scratchcards win on bet-size discipline, which matters under a €5 cap.

Scratchcards

Video slots

Often weighted at 10-50% or excluded from wageringUsually counted at 100% towards wagering
Fixed ticket price keeps you inside a maximum bet clauseBet size can drift above a €5 cap with one tap
RTP and prize ladder shown in the game's information screenRTP and paytable shown in the game's information screen
Large prizes are cut down by a low cap on bonus winningsLarge wins are cut down by the same cap
Round ends the moment the ticket is revealedAutoplay and bonus-buy features are often barred while wagering

Limits to set before your first ticket

Scratchcards are quick. A ticket can be bought, revealed and settled in a few seconds, which makes it easy to spend more than you meant to without noticing the total.

The tools below exist at licensed casinos for exactly that reason, and setting them before you deposit takes less time than reading a bonus’s terms.

Five steps to set up your account safely

Do these in order, at registration or straight after, before any bonus is claimed.

  • Step 1

    Set a deposit limit first

    Choose a daily, weekly or monthly deposit limit in the responsible gambling section. Lowering a limit normally takes effect at once, while raising it is usually subject to a cooling-off delay.
  • Step 2

    Add a loss limit beside it

    A loss limit caps what you can lose over a period, regardless of how many deposits you make. On fast games like scratchcards it is the more useful of the two.
  • Step 3

    Turn on reality check reminders

    A reality check shows a pop-up after a set time, with your session length and net result. Thirty minutes is a sensible interval for instant games.
  • Step 4

    Read the bonus weighting clause

    Open the general bonus terms and find the game contribution table. If scratchcards count below 100% or are excluded, decline the bonus at the deposit screen.
  • Step 5

    Note the cooling-off and exclusion options

    Find where the casino offers a time-out and self-exclusion, so you know where they are if you need them. Self-exclusion is applied per operator for now.

Reading a scratchcard before you buy

Every scratchcard has an information screen, usually behind an “i” or a question mark. Open it before your first ticket rather than after your tenth.

Three things are worth finding there. The RTP figure, the ticket price range and the prize ladder tell you between them how the game pays and how fast it can eat a budget.

Ticket price deserves its own thought. A €0.50 card bought every five seconds is €6 a minute, and that rate is easy to reach with a reveal-all button.

Some studios publish a range of RTP versions for the same title, and the casino chooses which one it runs. Where the information screen shows a figure, that is the figure for the version in front of you, and it can differ from the number on the studio’s own website or a review written elsewhere.

If no RTP is shown at all, treat that as information too.

Expert Comment

Before your first deposit, set a loss limit lower than the amount you plan to spend. Lowering it later takes effect at once; raising it usually waits. That way the safeguard is in place before the first ticket is bought.

Playing scratchcards within your limits

Scratchcards settle in seconds, and that speed is what makes them easy to overspend on. Before your first ticket, set a deposit limit and a loss limit in your account, and turn on reality checks so the session length appears on screen.

If you notice that you are buying tickets to win back what you have lost, stop for the day and use the casino’s time-out. If it keeps happening, self-exclude with the operator and contact one of the support services listed below; they are free and confidential.

Only gamble with money you can afford to lose. If you are under 18, you cannot play.

OrganisationPhone number
National Gambling Helpline (GamblingCare)1800 936 725
Extern Problem Gambling089 241 5401
Helplink gambling counselling0818 998 880
Gamblers Anonymous Ireland01 872 1133
HSE Drugs and Alcohol Helpline1800 459 459

Before you buy a scratchcard with bonus money

If you remember one number from this page, make it the weighting percentage. Divide the wagering figure by it and you have the real euro cost of the offer: €1,750 at 100% becomes €8,750 at 20%. The terms behind this list were last checked on 23 October 2026, and a casino’s placing changes when its contribution table or bonus win cap does. What this page does not cover is lotto-style instant games and draws, which follow different rules.

Online scratchcards: questions readers ask

Do scratchcards count towards wagering?

It depends entirely on the casino’s game contribution table. Some count scratchcards at 100%, many at 10-50%, and some exclude them. At 20%, a €50 bonus with 35x wagering needs €8,750 of scratchcard bets rather than €1,750, so check the table before you accept any offer.

Can I improve my chances on an online scratchcard?

No. The result of each ticket is decided by the random number generator when you buy it, and scratching only reveals it. What you can control is the ticket price, the number of tickets and whether a bonus with poor weighting is attached to your balance.

What RTP do online scratchcards have?

Each game publishes its own figure in the information screen, and studios sometimes offer casinos several versions of the same title. Read the number shown on the card in front of you rather than one quoted elsewhere, and remember that RTP is a long-run average, not a session forecast.

Is buying several tickets at once a breach of the maximum bet rule?

It can be. Where the terms cap stakes “per spin, round or ticket” and a multi-buy is processed as one round, ten €1 tickets may count as a €10 bet. Check the wording, and if it is unclear, ask live chat to quote the clause.

Online casino games are covered by the Gambling Regulation Act 2024 and will need a remote gaming licence from the Gambling Regulatory Authority of Ireland. Until those licences are issued, casinos serving Irish players hold licences from other jurisdictions, and that licence decides where a complaint goes.

Is a no-wagering offer better for scratchcard players?

Usually, yes, because weighting stops mattering. Cashback paid as cash or free spins with winnings paid as cash carry no contribution table at all. The catch is size: 10% cashback on a €50 loss is €5, so judge it on the euro figure, not the percentage.

How do I stop playing scratchcards at one casino?

Use the casino’s time-out for a short break or its self-exclusion for a longer one, both found in the responsible gambling section of your account. Self-exclusion is applied operator by operator until the National Gambling Exclusion Register is operating.

Niamh Hegarty
Article author: Niamh Hegarty
Bonus Terms & Player Protection Writer
Niamh Hegarty reads the clause most players skip, such as the cap on bonus winnings or the maximum bet rule, and works out in euro what it costs you. She also covers deposit limits and self-exclusion.

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