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Author: Oskar Malone

  • Best Live Casino Sites in Canada in January 2025

    Best Live Casino Sites in Canada in January 2025

    It was a marvel when technology allowed us to move gambling into the digital space. But now, it’s come far enough that we’ve put the live dealer back into the online game! With live casinos, you can play casino games with human croupiers through live streams for a more authentic casino experience. Read on to see our experts’ picks for the top live dealer casinos. 

    Best Live Casinos for Canadian Players

    1. Jackpot City
    2. BetMGM
    3. Palmslots
    4. Playojo
    5. Jettbet
    6. Northstar Bets
    7. 888 Casino
    8. Spin Casino
    9. Tonybet
    10. Pinnacle
    11. Mr Vegas

    Best 5 Live Casinos Reviewed

    With so many incredible live casino sites to choose from, it can be difficult for players to find the right site for them. Fortunately, our experts have applied their expertise to selecting the top 5 live casino sites for our valued readers to enjoy. Live casinos allow for an exciting and interactive gaming experience with live dealers and incredible game types. Read below to find out about the top live casinos across Canada.

    1. Jackpot City Casino

    Expert Rating: 4.9/5

    Review from Henry

    “I loved Jackpot City’s live dealer game – Real Roulette with Rishi – Rishi was so friendly and a very entertaining host!”

    Jackpot City Casino, launched in 1998, has over 3.5 million active players in Canada, New Zealand, and worldwide. It holds a gambling license from the Malta Gaming Authority and is fair play certified by eCogra. The casino offers a welcoming, fun atmosphere with a 96% average payout percentage and weekly bonuses. The lobby features over 400 games, including more than 430 slot titles, making it a top choice for slot enthusiasts. 

    FeaturesJackpot City Information
    License 🪪Malta Gaming Authority (MGA)
    Established Date 📅1998
    Number of Games 🎰500+
    Number of Live Dealer Games 🙋‍♀️70
    Mobile App 📱Yes (iOS & Android)
    Minimum Deposit 💵$10
    Payout Speed 💰24-48 hours
    Deposit Methods 💳Visa, Mastercard, Skrill, Neteller, Paysafecard, Bank Transfer
    Withdrawal Methods 💸Credit/Debit cards, e-Wallets, Bank Transfer
    Payout Percentage 🗒️96%
    Customer Service 🖥️24/7 Live Chat, Email
    VIP Program 👑Yes, includes tiered loyalty rewards and exclusive bonuses.

    Its popularity is easy to understand, given its extensive game selection and player-friendly environment. A slight downside to the Jackpot City Casino site is that the welcome bonus is more catered toward slot players. Despite this, Jackpot City is a superb destination for live casino gaming.

    Pros Cons ❌
    Superb VIP programWagering requirements can be high
    Multiple channels of customer support
    eCOGRA certified

    2. BetMGM Casino

    Expert Rating: 4.8/5

    Review from Stewart

    “BetMGM live dealer games are the best in the business!”

    BetMGM Casino Canada offers a diverse and extensive range of games, including slots, table games, and live dealer options, appealing to various player preferences. BetMGM is a strong choice for players with a sizeable game library that translates well to mobile, with native apps for both iOS and Android. Featuring two live casino providers, this sets it apart from many competitors. A wide range of payment options adds to its appeal.

    FeaturesBetMGM Casino Information
    License 🪪Ontario iGaming (AGCO)
    Established Date 📅2018
    Number of Games 🎰700+
    Number of Live Dealer Games 🙋‍♀️120
    Mobile App 📱Yes (iOS & Android)
    Minimum Deposit 💵$10
    Payout Speed 💰24 to 72 hours
    Deposit Methods 💳Visa, Mastercard, Skrill, Neteller, Paysafecard, Bank Transfer, Interac
    Withdrawal Methods 💸Credit/Debit cards, e-Wallets, Bank Transfer, Interac
    Payout Percentage 🗒️97%
    Customer Service 🖥️24/7 Live Chat, Email, Phone
    VIP Program 👑Yes, includes exclusive promotions, events, and personal account managers.

    While usability and search options could be improved and customer service streamlined, the availability of 24/7 live chat support is a significant benefit. Overall, BetMGM Casino provides a robust online gaming experience.

    Pros Cons ❌
    Superb games libraryWithdrawal process can be complex
    Customer support response times are quick
    Great range of payment methods
    Fully optimized mobile app

    3. Palmslots

    Expert Rating: 4.8/5

    Review from Lara

    “Palmslots has the best range of live games and the friendliest live dealers”

    Palmslots Casino has been a staple in online gaming for many years, continuously evolving to offer a modern and user-friendly live casino platform. The security measures are robust, providing a reassuring experience for users. Powered largely by Microgaming, the gaming library is extensive, and most titles are mobile-friendly. Ontario players can easily register and bet securely, as Palmslots Casino is licensed and regulated by the Alcohol and Gaming Commission of Ontario (AGCO). 

    FeaturesPalmslots Information
    License 🪪Curacao eGaming
    Established Date 📅2022
    Number of Games 🎰1500+
    Number of Live Dealer Games 🙋‍♀️50
    Mobile App 📱No dedicated app, but a mobile version of website
    Minimum Deposit 💵$20
    Payout Speed 💰24 to 72 hours
    Deposit Methods 💳Visa, Mastercard, Skrill, Neteller, Bitcoin, Ethereum, Bank Transfer,
    Withdrawal Methods 💸Credit/Debit cards, e-Wallets, Cryptocurrencies, Bank Transfer
    Payout Percentage 🗒️95%
    Customer Service 🖥️Live Chat, Email
    VIP Program 👑Yes, offer tiered rewards, cashback, and exclusive bonuses.

    Palmslots Casino offers numerous banking methods and supports transactions in Canadian dollars. However, withdrawals can be slower compared to competitors. Overall, Palmslots Casino provides a reliable and enjoyable gaming experience. Create an account today to relish these incredible features.

    Pros Cons ❌
    App for iOS and Android devicesCould be larger range of software providers
    Speedy payoutsMinimum withdrawal is high
    Extensive games selection
    24/7 customer support

    4. Playojo

    Expert Rating: 4.7/5

    Review from Nikki

    “PlayOJO live game shows are so much fun!”

    PlayOJO, established in 2017, has quickly gained a reputation as one of Canada’s most exciting online live casinos. It offers a massive selection of games and superb bonuses, making it appealing to a wide range of players. PlayOJO is fully licensed by the UK Gambling Commission, ensuring a safe and secure environment. Its games are independently tested for fairness by iTech Labs. 

    FeaturesPlayOJO Information
    License 🪪Malta Gaming Authority (MGA), UK Gambling Commission
    Established Date 📅2017
    Number of Games 🎰3000+
    Number of Live Dealer Games 🙋‍♀️100
    Mobile App 📱Yes (iOS & Android)
    Minimum Deposit 💵$10
    Payout Speed 💰24 to 48 hours
    Deposit Methods 💳Visa, Mastercard, Skrill, Neteller, Paysafecard, Bank Transfer
    Withdrawal Methods 💸Credit/Debit cards, e-Wallets, Bank Transfer
    Payout Percentage 🗒️96%
    Customer Service 🖥️24/7 Live Chat, Email
    VIP Program 👑Yes, known as the “A-Listers Club,” includes exclusive promotions and personal account managers.

    Additionally, PlayOJO won the Rising Star of the Year at the 2017 EGR Awards, highlighting its rapid ascent in the online casino world. There is currently no telephone customer support offered, however, there are several other efficient customer support contact methods to rely on. Overall, PlayOJO provides a thrilling and trustworthy gaming experience. 

    Pros Cons ❌
    Superb range of casino gamesNo telephone customer support
    Excellent live dealer titles
    No wagering requirements


    5. Northstar Bets

    Expert Rating: 4.7/5

    Review from Greg

    “Northstar Bets is one of a kind when it comes to live games! Definitely recommend!”

    Northstar Bets Casino Canada offers a unique experience as one of the few local Canadian online casinos aiming to cater specifically to Canadian players. Northstar Bets offers an exceptional live betting experience, making it no surprise it is one of the top 5 sites. While it’s still in its early stages, the game library is currently limited, though it includes a good mix of providers, suggesting potential growth. 

    FeaturesNorthstar Bets Information
    License 🪪Ontario iGaming (AGCO)
    Established Date 📅2022
    Number of Games 🎰500+
    Number of Live Dealer Games 🙋‍♀️50
    Mobile App 📱Yes (iOS & Android)
    Minimum Deposit 💵$10
    Payout Speed 💰24 to 72 hours
    Deposit Methods 💳Visa, Mastercard, Skrill, Neteller, Paysafecard, Bank Transfer, Interac
    Withdrawal Methods 💸Credit/Debit cards, e-Wallets, Bank Transfer, Interac
    Payout Percentage 🗒️95%
    Customer Service 🖥️Live Chat, Email
    VIP Program 👑Yes, includes personalized rewards and exclusive bonuses.

    Customer support is available through three contact options, but 24/7 support is not yet offered. Overall, Northstar Bets provides a homely and reliable gaming experience. Create an account with this superb site today to relish these customer features.

    Pros Cons ❌
    Lucrative VIP programCustomer support is not 24/7
    Fully optimized mobile app for iOS and AndroidThe games library could be larger
    Superb software providers
    Deposits and withdrawals come with no fees

    What is a Live Casino?

    A live casino is an online casino that hosts live dealer titles in its library. Sometimes, a live casino might host these titles exclusively, but most commonly, it is a section of a larger casino platform. 

    Live casino titles differ from regular online casino games because they are hosted by human dealers rather than a computer program. You can see the dealer through a live stream and they will deal with the cards or manage the table in real time. The cameras and game software keep track of the game as you play, functioning identically to any other automated table game. 

    What Casino Games Can I Play Live?

    You can find live dealer variations of all your favourite table games, as well as a few extra titles that are unique to the live dealer format.

    Blackjack

    Blackjack is the most popular card game in the world, and its simple ruleset and low barrier to entry allow it to transition seamlessly into the live dealer format. Blackjack is played directly against the dealer, so it’s not handicapped by the limited interaction with other players. You aim to make a hand value higher than the dealers without going over 21, but different variations will add new rules and play options.

    Roulette

    Roulette is the game best suited to the live dealer format outside of games made especially for it. In roulette, you make bets based on where a ball will land on the roulette wheel, with each bet having a payout relative to the risk. The live stream allows you to watch the real roulette as the croupier handles it, and betting is streamlined thanks to the game software, which speeds up the game. 

    Baccarat

    Baccarat is a game where, typical of French card games, you bet on the outcome of a game you are not a part of. The dealer is both the player and the house, and participants simply bet on which will win (or tie), with house wins returning less than the player wins. This format transitions well into the live casino format, simplifying the betting process, although still limiting the social aspect that’s key to games like this. 

    Sic Bo

    Sic Bo is a dice game originating from China. It is similar to craps, except there are three dice instead of two. Sic Bo, like roulette, is an excellent fit for live dealer games as the experience is mostly spectating, and the game software helps simplify the complicated betting process. Just bear in mind that Sic Bo will be available at fewer live casinos than other games. 

    Texas Hold’em

    Poker is one of the most famous games in the world, and the most popular variation of it in the modern gambling scene is Texas Hold’em. The game’s ubiquity means you will always be able to find a game of it and plenty of people to play with. However, the learning curve is notoriously steep.

    Caribbean Stud Poker

    Caribbean stud is derived from regular five-card stud poker but has been altered to work better in a casino setting. It is played against the house rather than other players, making its transition to online and live dealer formats much smoother. There’s no opportunity to bluff in Caribbean Stud, and the gameplay runs much faster. If you prefer the solo-player experience, Caribbean stud is the poker variant for you. 

    Game Shows

    Finally, we reach the category of games that were created specifically for the live casino set-up. A casino game show has a live host walk online players through traditional game shows like Deal or No Deal, Wheel of Fortune, and even a range of original IPs. These feel more interactive than live table games and take full advantage of the game software to create an exciting, atmospheric experience unlike anything else on the internet. 

    How to Sign Up to a Live Casino Site

    If you want to try out some of these games for yourself, you will need to register for one of our fantastic live casinos. Thankfully, signing up could not be easier! Just follow these simple steps to sign up and claim your welcome bonus:

    1. Choose Your Live Casino

    live casino icon

    Choose one of the best live dealer casinos from our list and click the affiliate link to reach the sign-up page. 

    2. Click Join Now

    join now icon

    Click the ‘join now’ or similarly labelled button to start registration. 

    3. Enter Your Details

    enter your details icon

    Sign up for a new account — this will require you to share sensitive information like your name, date of birth, address and contacts. 

    4. Enter Promo Code

    promo code icon

    If you need a promo code, do not forget to enter it while registering. 

    5. Make a Deposit

    make a deposit icon

    Make your first deposit — ensure you have deposited enough to meet the bonus’s minimum and do it using a valid payment method. 

    6. Claim Your Welcome Bonus

    claim your welcome bonus icon

    You may have to claim it from the promotions tab, otherwise it will be automatically credited to your account. 

    7. Have Fun!

    have fun icon

    Do not forget to wager your bonus and get your account verified ASAP.

    If you want to try out some of these games for yourself, you will need to register for one of our fantastic live casinos. Thankfully, signing up could not be easier! Just follow these simple steps to sign up and claim your welcome bonus:

    1. Choose one of the best live dealer casinos from our list and click the affiliate link to reach the sign-up page. 
    2. Click the ‘join now’ or similarly labelled button to start registration. 
    3. Sign up for a new account — this will require you to share sensitive information like your name, date of birth, address and contacts. 
    4. If you need a promo code, do not forget to enter it while registering. 
    5. Make your first deposit — ensure you have
    6. deposited enough to meet the bonus’s minimum and do it using a valid payment method. 
    7. Claim your welcome bonus — you may have to claim it from the promotions tab, otherwise it will be automatically credited to your account. 
    8. Have fun playing! Do not forget to wager your bonus and get your account verified ASAP.

    Tips for Playing Live Dealer Casino Games

    Playing live dealer titles can be a different experience than regular online casino games, so our experts have compiled a list of their top tips for new players:

    • Go in with a strategy —This is solid advice when you play any online casino game. You should understand the rules of the game and have an idea of your strategy instead of making moves at random. Doing this will also help you control your bankroll, giving more structure to your gameplay rather than making reckless wagers. 
    • Respect the dealer — Unlike when you are playing a regular online table game, a live casino game is played with an actual human dealing with the cards or managing the table. Like in real life, treating your dealer with respect and patience will lead to a better overall experience.
    • Use the chat function — Online gambling can be a very solitary experience, but live dealer titles thrive when you engage with the multi-player aspect. Communication with the dealer is key to having a good time and talking with the other players will enhance the game. 
    • Try games out on mobile — Many players might not realize it, but most live dealer games are fully compatible with mobile devices. The interface will adapt to the size of the screen so you can enjoy them just as you would on a desktop. The mobile casino experience has other benefits too, like a streamlined interface, portability and sometimes even unique bonuses. 
    • Play Responsibly — This tip is important regardless of what casino game you are playing. Always remember that gambling is addictive, and losing too much money could seriously harm you. Take regular breaks, set a hard budget, and stop if you feel yourself getting too emotional. If you can not trust yourself to do these things, find someone to help you regulate your play or take advantage of the responsible gambling links available. 

    Live Casino Games vs Standard Casino Games

    Compared to regular casino games, live casino games have numerous advantages. The live dealer’s presence is the most evident. It adds a human dimension to online gaming, which has always been a solitary activity. Engaging with your dealer more can also motivate you to talk to other players. Additionally, live casino games have many more varieties and wager options than standard table games these days. In addition, live gaming show are accessible.

    However, there are certain benefits to playing traditional table games; live casino games are not always superior. Because they may gamble online without having to deal with a real dealer, some players prefer the solitary experience. Additionally, a software dealer is more efficient than a human dealer because they deal cards more quickly and do not have to bother about equipment or shuffling. Standards games are also thought to be more dependable because a machine acting as the croupier eliminates the possibility of human error. Last but not least, conventional games frequently enjoy a wider variety of promos because they are more effectively incorporated into casino websites.

    Benefits of different casino games
    Live Dealer GamesStandard Online Casino Games
    Reinserts the personal touch Encourages social gaming More table game varieties Live game showsOption for a solitary experience More efficient, fast-paced gameplay No room for human error More promos

    For more information on the best casino games in Canada, head over to our page for a full explanation by clicking here.

    What Bonuses Can I Get at Live Casinos?

    Bonuses are one of the best advantages of playing at online casinos, and live casinos unite the best of both worlds. You can find a wide variety of bonuses at live casinos, from the welcome bonus to log-in rewards to VIP programs. Here is a look at some of the most common promotions you will find at live casinos:

    • No deposit bonuses
    • Deposit match bonuses
    • Free spins for game show wheels
    • Daily reward wheels
    • Cashback
    • Reload bonuses

    What Payment Methods Are Accepted at Live Casinos?

    Canadian live casino sites accept many different payment options so customers can handle their transactions using the most convenient method. Not all live casinos will feature all of these payment methods, but here is a look at the typical options you will find:

    • VISA
    • MasterCard
    • PayPal
    • Interac
    • Skrill/Neteller
    • Trustly
    • Bank Transfer
    • Paysafecard
    • Cryptocurrencies

    Are Live Casino Games the Future? – Get our Expert’s Opinion

    Below is a list of only a handful on the several online casinos that currently provide live casino games.

    Love dealer games are attempting to maintain their competitiveness as mobile gaming gains traction by enhancing user experience, advertising dealer contracts, and offering a range of camera angles. Players can immerse themselves completely thanks to the creation advancement.

    They most definitely are not. Fair dealing laws must be followed by all casinos. You can use the chat box to interact with the dealer and monitor their online activity from your screen. Click here to learn more about the offer.

    We have also put together a comprehensive guide to the best Canadian online casinos, so if you are interested in finding out more about that then head over to our page here.

    Frequently Asked Questions (FAQs)

    Are live casino games better than normal games?

    Your preference is the only factor that can determine this. Opening a casino account usually entitles you to bonus, which lets you test out various games and figure out which ones you like. To find out more, click this link.

    Can I play live casino games on mobile?

    Yes. Any of the casinos on the list include mobile apps that allow you to play games directly from your screen. You can also speak with the dealer via the chat feature on your screen.

    Are live dealer games rigged?

    No. According to the law, all casinos must provide fair dealing. You can use the chatbox to interact with the dealer and other players while watching the action from your screen when you play live dealer games at home. Click the link to learn more.

    Are live dealer games live?

    Indeed, they are. You can play live games from your computer or phone, see the live dealer directly from the studio, and use the live chat box to interact with the dealer and other players. Click the above link to learn more.

    What is the RTP for live dealer games?

    The RTP remains same whether a table game is played in a physical casino or an online live casino. For example, live blackjack has an average return on investment (RTP) of 99.5%, whilst live American roulette has an RTP of 94.74%. Your percentage will appear next to the game whenever it is accessible online.

    DISCLAIMER: Gambling has its fair share of risks. As such, you shouldn’t see it as a quick fix to your financial problems. It is more likely to cause you more harm, especially if you have a gambling addiction. Don’t forget what they say: the house always wins. That said, if you’re struggling with a gambling addiction or know someone who is, you should reach out for help from a professional at the National Gambling Helpline through this phone line: 1-626-960-3500.

    You should also note that all gambling websites and guides on our website are rated 19+. Furthermore, you may not have access to all the online casinos we review in your country. Likewise, confirm with state and federal laws to determine whether gambling is legal in your state or nation.

    Check out these websites for resources to help with gambling addictions.

  • How to get financial aid for Canadian students studying in the USA

    How to get financial aid for Canadian students studying in the USA

    Studying in the United States is a dream for many, with 28,000 Canadians heading south of the border in 2023 alone for their studies. Accessing student aid is a make or break moment for many Canadians considering the high cost of schooling in the US.

    But the rewards are worth it. After all, some of the best schools in the world are located in the United States, with five in the top for 2024 being located in the US.

    This article will dive into tuition costs, student aid for Canadians studying in the United States, and some of the best scholarship opportunities available.

    Tuition costs in the United States

    Paying for your education in the United States is arguably the hardest part for prospective Canadian students, even with student aid.

    This is due to a combination of the exchange rate between two currencies, the view that university is a luxury rather than a necessity, and a culture of accepting debt. Many Americans, almost 52%, had not completed a college level degree. What’s more, only 28% held a Bachelor’s Degree, according to the United States Census Bureau.

    This places a premium on upper level education. Student aid aims to uplift students who might otherwise not be able to access a university or college level education.

    Your fees will also depend on whether you’re looking at publicly or privately funded schools. Public universities tend to be cheaper. Private options command higher tuition, but ideally give back through a combination of reputation, networking and quality. Finally, you have private for-profit institutions.

    Tuition costs across the three school types during 2022 and 2023 for a four-year degree were:

    1. Public institutions: $39,000 total, or $9,800 during that year
    2. Private nonprofit institutions: $122,100 total, or $40,700 during that year
    3. Private for-profit institutions: $72,800 total, or $18,200 during that year

    Meanwhile two-year degrees during the same survey period were:

    1. Public institutions: $8,000 total, or $4,000 during that year
    2. Private nonprofit institutions: $39,000 total, or 19,500 during that year
    3. Private for-profit institutions: $32,600 total, or $16,300 during that year

    These data were gathered by the National Center for Education Statistics. Costs were assessed by looking at tuition, required fees, school supplies, room and board and other expenses.

    It’s also important to remember that the Canadian dollar doesn’t go as far in the United States. If you’re relying on funding delivered purely in CDN, you should keep a close eye on the exchange rate.

    How to pay for school in the United States

    The smart way to pay for university in the United States is by combining as many student aid funding streams as possible.

    Here are a few ideas to get you started:

    Through combining these student aid packages you can start to cobble together payment for studying in the US. It’s also a good idea to get a part-time job if possible. Keep in mind that you’ll be limited to working 20-hrs per week with an F-1 visa.

    Lastly, those lucky enough to have dual citizenship can apply for federal assistance through the Free Application for Federal Student Aid (FAFSA) program.

    Financial Aid for Canadian students studying in US

    Now that you have an idea of what it takes to study in the US, let’s take a look at some of the best scholarship packages available to Canadians.

    Note that many financial student aid packages are targeted at Master’s or Ph.D. level candidates, not undergraduate students.

    The Fulbright Program

    The Fulbright program is a long-running Canada-US residential exchange program targeting graduate students, prospective graduate students and junior professionals.

    This is a prestigious and competitive option. The benefits can be worth it, however. Options include:

    Applications for the next academic year typically open in May with grant funding beginning that same September.

    Those who already have a Ph.D should instead apply for the Fulbright Scholar Program, which at the time of writing includes nine additional scholarship opportunities.

    The Organization of American States (OAS) Academic Scholarships Program

    Another option is to work with the Organization of American States, which provides both undergraduate and post-graduate scholarships.

    Many of the OAS’ scholarships are targeted at English-speaking parts of the Caribbean and Suriname. However, the Partnerships Program for Education and Training program works with any academic institution partnered with the OAS.

    You can snag up to USD$10,000 for one academic year, provided your university of choice is on this list of members. Typically OAS encourages submitting applications to a minimum of two partners.

    Other scholarship opportunities

    We also suggest taking a deep dive into EduCanada’s scholarship search function.

    There’re plenty of scholarships available. It just takes some effort to find the right one for you.  For Ph.D. students we suggest taking a look at the Vanier Canada Graduate Scholarship or the Banting Postdoctoral Fellowship.

    Apart from these general pools you’ll need to look up your university of choice and dig into their scholarship information.

    Lines of Credit

    Your final option for student aid would be to take out a student line of credit. One of the most popular options is the Royal Bank of Canada’s Royal Credit Line for Students Studying Abroad.

    One of the big benefits is RBC’s cross border banking program. However, most banks offer student aid in the form of a line of credit. For more on the best loans for students check out Money.ca’s coverage, including lines of credit.

    Just keep in mind that managing student aid in this way requires much more discipline and financial literacy compared to more traditional routes.

    Conclusion

    Canadians trying to study in the US face an uphill battle, but the higher your level of education the more opportunities present themselves.

    It’s also important to remember why working in the US as a University educated professional is so desirable.

    The top 20% of the US workforce makes much more than their counterparts. Likewise, the US is a massive market and a nexus for innovations across tech, business and policy. Many of the biggest companies in the world have roots in the US.

    It also helps that the US dollar is the golden standard around the world.

    Getting paid in that currency has a corresponding increase on your global buying power.

    FAQs

    Can Canadians get financial aid in the US?

    Canadians can apply for financial aid in the US, but can’t apply for the Free Application for Federal Student Aid (FAFSA).

    However, some student loan packages in Canada can be applied to international study. What’s more, there tend to be scholarship opportunities on both sides of the border to encourage students to make the leap.

    As a last resort a personal loan can be used to help pay for schooling. There are also student lines of credit available, which require higher financial literacy to manage.

    Can a Canadian get a scholarship to an American university?

    Getting a scholarship to an American university is one of the best ways for Canadian students to access the American educational system.

    With this in mind we suggest putting together a combination of scholarship opportunities both in Canada and the United States. You should also make sure to have the following documents on hand for both applications and scholarships:

    • SAT or ACT test scores
    • A TOEFL or IELTS English proficiency test
    • Letters of recommendation
    • A personal essay
    • All your visa essentials (including Canadian passport)

    It also helps to look for targeted scholarships. Marginalized groups or male-dominated fields often have scholarship opportunities geared towards increasing professional diversity.

    Can a Canadian get a US student loan?

    In short, no. Canadian citizens can’t access loans from Federal or State governments. Those funds are earmarked for US citizens.

    With that being said, you could instead look into whether taking out a student loan in Canada can be applied to US schooling. This is the case for schools on the Ontario Student Assistance Program (OSAP)’s approved schools list.

    Sources

    1. Top Universities: The world’s top 100 universities

    2. United States Census Bureau: Census Bureau Releases New Educational Attainment Data

    3. National Center for Education Statistics: Tuition costs of colleges and universities

    4. Ontario: Study abroad

    5. Ontario: School search

    6. Manitoba: Advanced Education and Training

    7. Manitoba: Advanced Education and Training

    8. University of Cental Florida: Florida-Canada Linkage Institute

    9. International Student: Working in the USA

    10. Federal Student Aid: Home page

    11. Fulbright Canada: Fulbright Canada Student Awards

    11. Fulbright Canada: Fulbright Canada Student Entrepreneurship Awards

    12. Fulbright Canada: Fulbright Canada – Honouring Nations Awards

    13. Fulbright Canada: Fulbright Scholar Program

    14. OAS: Partnerships Program for Education and Training

    15. OAS: OAS Consortium of Universities

    16. EduCanada: Search for scholarships

    17. Government of Canada: Vanier Canada Graduate Scholarships

    18. Government of Canada: Banting Postdoctoral Fellowships

    19. Royal Bank: Royal Credit Line for Students Studying Abroad

    20. Government of Ontario: OSAP School Search

    This article How to get financial aid for Canadian students studying in the USA originally appeared on Money.ca

    This article provides information only and should not be construed as advice. It is provided without warranty of any kind.

  • Best Real Money Casinos in Canada – Updated January 2025

    Best Real Money Casinos in Canada – Updated January 2025

     Lauren Lister, writer, NewsDirect.com | Fact Checked By: Sarah Lunness, NewsDirect.com

    If you’re in the market for the top real money casinos for Canadian players but have no idea where to start, then you’re not alone! Luckily for you and the many others looking for a great real money online casino to get started with, our team of experts have spent days researching and has found the perfect list of real-money casinos in Canada right now!

    Our team of experts found that Jackpot City Casino deserves the top spot on our list of the best real money casinos in Canada. But, if you want to find out which other casinos feature on our list, then be sure to read on. 

    Let’s get started!

    Best Real Money Casinos in Canada Ranked

    1. Jackpot City – Best Online Real Money Casino Overall
    2. Spin Casino – Best Real Money Casino on Mobile
    3. Dolly Casino – Best Bonuses at a Real Money Casino
    4. Betway Casino – Best for Real Money Slots
    5. Jettbet – Best for Real Money Casino Games
    6. LeoVegas Casino – Best New Real Money Casino 
    7. 888 Casino – Best for User Experience
    8. Pinnacle – Best for Enhanced Odds 

    The Best Real Money Casinos in Canada Reviewed

    Expert Rating: 4.9/5

    Jackpot City Casino

    Players searching for the best online casinos in Canada should check out Jackpot City. Check out the amazing signup offer from Jackpot City, where new customers can get their hands on $400 on each deposit. This offer is capped at $1600, meaning you can only get $400 on 4 deposits total. 

    Since its establishment in 1998, Jackpot City prides itself on being one of the longest-running Canadian casinos and has been enjoyed by thousands of players over its lifetime! 

    At Jackpot City, there are an impressive 400+ game titles available for all players. These games are all provided by the industry’s top software providers, including, Novomatic, Rival, Microgaming and many more! Some of the most popular and notable games include Forgotten Island, Lightning Fortunes, and Thunder Struck. 

    For those who want to test their luck, there are some amazing progressive jackpot slot games available at Jackpot City. Some of the best Jackpot City progressive slots include Book of Atem, Wheel of Wishes, Poseidon Ancient Fortunes and even Sisters of Oz. Be sure to check out the Jackpot City site to get the best idea of the full game offering. 

    Jackpot City, impressively, offers a huge variation of poker games, as well as blackjack, baccarat, and roulette. Here, we will go into more detail about those specific variations.

    In terms of poker, this fantastic online casino offers a huge 12 variations of the online poker game, and when it comes to table games, Jackpot City offers 17 blackjack variations, 15 baccarat games and 9 versions of the classic roulette.

    You can also enjoy over 50 exciting live dealer games, including live blackjack online, roulette, baccarat and many more. You are sure to find a game that you will enjoy with a live dealer at Jackpot City Casino.

    Jackpot City is currently offering new customers a huge 100% bonus up to C$1600 across your first four deposits. Once you have claimed this lucrative welcome bonus, you can use the money to play your favourite slots, table games and live casino games. 

    Not only that, Jackpot City’s ongoing promotions for existing customers are also of the same high quality as the welcome bonus. Existing players do not have to worry about missing out on the rewards, as Jackpot City have got you covered. Head over to the Jackpot City promo page to find the most up to date promotions.

    The banking options at Jackpot City are quite substantial compared to some of its competitors. There are 15 available banking methods at Jackpot City, including, Visa, Mastercard, Interac, Instant Transfer, EcoVoucher, Flexepin, Neosurf and more.

    The most favoured payment method for Canadian players is Interac, and since Jackpot City offers this payment type, it shows that the brand wants to cater for all its customers.

    Pros ✅Cons ❌
    Amazing slots tournamentsOngoing promos could be better
    Comprehensive live dealer game selection
    Partners with a wide range of top software providers

    Expert Rating: 4.8/5

    Spin Casino

    Spin Casino is a trailblazer for mobile compatibility in the world of online casinos. The site is completely optimized for mobile web browsers and even offers a specially dedicated app. This means that no matter where you are, providing you have a stable mobile network connection, you can access the games and promos at Spin Casino. 

    With its collection of slots constantly evolving and changing, Spin Casino is highly rated by our experts and by the general public for its range of games. There are over 400 fantastic slot games for all customers to play, and we would highly recommend you try out some of them today! Some of the notable titles include Divine Riches Helios, Dragon’s Cache and Aquatic Treasure Coast 2 Coast.

    This wide range of games has all been provided by the industry’s powerhouses in software development. Spin Casino partners with big names such as Microgaming, Red Tiger, Netent and many others.

    Spin Casino also offers a huge range of 31 progressive jackpot slots! Why not check them out today?

    Our team of experts were especially impressed with the variety of live dealer titles available at Spin Casino. The site offers nine poker variants, 15 blackjack games, 16 baccarat titles and 21 roulette versions.

    For its impressive graphics and engaging gameplay, the top baccarat game was Switch Baccarat. The live dealer games were particularly impressive at Spin Casino, however, the most notable titles that we recommend are Scarab Auto Roulette and Fortune Finder. 

    The welcome bonus that Spin Casino is currently running is a casino bonus of up to $1000. It is broken down into individual deposits, so on your first deposit, you can get a 100% deposit match bonus up to $400 and any subsequent deposits are capped at a $300 bonus. 

    Perhaps one of the main reasons we rank Spin Casino so highly in the best real money casino list is its range of payment methods. Here, players can use one of a large selection of payment methods to make easy deposits and withdrawals, including Visa, Mastercard, eCheck and iDebit. 

    Other means of deposit include Muchbetter, ecoPayz, Interac, Paysafecard and instant bank transfers. As mentioned previously, Canadian players tend to favour online casinos that offer Interac as a payment method, therefore Spin Casino is a popular choice.

    Most payments are processed at Spin Casino within two days.

    Pros ✅Cons ❌
    Huge range of games availableNot available in many countries
    Progressive jackpots availableBonus wagering requirements are high
    A wide range of software developers
    Mobile-friendly

    Expert Rating: 4.7/5

    Dolly Casino, another popular real money casino for Canadian players, ranks so highly on our list for a number of reasons, which we will expand on here. The site is run by Rabidi N.V. and licensed under the laws and jurisdiction of Curacao. This online casino was particularly enjoyed by our team of experts – especially for its lucrative 3-part welcome bonus!

    Navigating the site’s game library was easy, as it is located on the homepage, and we were impressed with the sheer volume of available games. From the first look, we found a huge range of slots, table games, progressive jackpots, bonus buys, and Megaways! There is genuinely something for everyone as soon as you enter the site!

    The most notable jackpot slots from Dolly Casino include Treasures of Kilauea Mega Moolah, Temple Tumble 2 Dream Drop, and Gonzo’s Quest Megaways. These games are brought to you by some of the biggest names in casino software providers. 

    Our experts were keen to investigate the quality of the Bonus Buys and Megaways games at Dolly Casino. The favourites included Book of Rebirth, Origins of Lilith, Egyptian Rebirth 2, and Lucky Mrs Patrick. We highly recommend going to Dolly Casino and trying out some of these fantastic games today.

    Fans of live dealer games and table games will be extremely happy with the variety available at Dolly Casino. Here you can find hundreds of games with live croupiers including notable titles like Crazy Time, Sweet Bonanza Candy Land and Speed Roulette. These games are brought to you by Evolution Gaming, Microgaming and many other fantastic software providers. 

    There is not much else to say about the table game variety at Dolly Casino, other than, it is impressive! Our experts particularly enjoyed XXXtreme Lightning Roulette, Terminator 2 Roulette and Oasis Poker. 

    Dolly Casino is currently offering up to $1500 across 3 bonuses for its new CA players. It is important to note that there are some restrictions, exclusions and terms and conditions when claiming this bonus, so be sure to check those out before participating. 

    The available payment methods for customers at Dolly Casino include Visa, Mastercard, Interac, Bank Transfer, Skrill, Neteller, and Payz, among many others. There are variations in processing times, where they range from Instant to 1-3 days. Another great advantage to this online real money casino is that it accepts deposits and withdrawals via Bitcoin and other cryptocurrencies. 

    Pros ✅Cons ❌
    Evolution Gaming powers the live dealer sectionCould offer more ongoing promotions
    Low-to-no payout fees
    Great range of payment methods
    Typically instant withdrawals

    Expert Rating: 4.6/5

    If one of the main priorities for a good online casino is its bonuses and promotions, then LeoVegas may be the option for you. There is a range of welcome bonuses for new customers to enjoy based on what suits them. Not only that the casino has a huge list of notable features. 

    Bettors at LeoVegas can get involved in a variety of slots and jackpots from leading software developers. However, the site does offer some original games, which is quite a unique feature. The most notable games from the top software developers include Immortal Romance, Mega Moolah, Fishin’ Frenzy, Book of Dead and Sweet Bonanza, which are quite well-known games.

    When it comes to progressive jackpots, however, the site has loads to offer! Our experts favourite jackpot games included, Book of Atem WowPot!, Ancient Fortunes: Poseidon WowPot! MEGAWAYS and Irish Riches. These games all have a progressive jackpot that can reach several million, so make sure you do not miss out on the action! 

    Since table games have been around for quite some years now, online real money casinos need to bring something new and exciting to the table, to keep players engaged. The selection of table games at LeoVegas Casino is constantly evolving and with help from the latest technology, continues to evolve with impressive graphics giving players immersive gameplay at all times. 

    Since LeoVegas uses Random Number Generators (RNGs) in all of its games, these games are also guaranteed to be fair. Our knowledgeable staff especially liked this feature.

    As previously mentioned, LeoVegas Casino offers multiple welcome packages for new customers who might want to try something a bit different. There is a dedicated casino welcome bonus of up to $1000 cash + 200 free spins, however, live casino fans will appreciate the up to $1000 cash + $30 in Golden Chips welcome offer instead. 

    This fantastic real money online casino is also offering its new customers a specific bingo welcome offer and a sports welcome offer of up to $1000 cash + $30 in free bets! So, there is something for everyone! 

    LeoVegas, compared to some of its competitors, offers a good range of payment methods. Some of the available methods include Visa, Mastercard, MuchBetter, Instant Bank Transfer, iDebit, Interac and Neosurf. This is quite an impressive and varied selection, meaning it is accessible for every type of player. 

    The casino brand currently does not accept deposits and withdrawals through cryptocurrency, however, they may implement this in the future. 

    Pros ✅Cons ❌
    Various welcome bonuses to chooseA limited number of table games
    Attractive site design
    Great live dealer casino section

    Expert Rating: 4.5/5

    If you are looking for the best online casino experience in Canada, then 888 Casino may be the place for you! Here, you can access one of the industry’s leading game portfolios, both for the amount of games available and for the quality of those games. For those who want to try a different betting experience, then you may want to check out the comprehensive sportsbook platform, where you can bet on a wide range of betting markets too! 888 Casino is one of the best Canadian gambling sites, so why not give it a try?

    If you are looking for slots and jackpots, 888 Casino is a must-try! The variety of thrilling slot games and jackpot slots that are accessible for all clients to test delighted our specialists. Some of the biggest names in software, like Evolution Gaming, Microgaming, Netent, and Red Tiger, are bringing you these slots.

    If you thought the range of slots and jackpots was good, then you will also be impressed by the range of live dealer and table games that 888 Casino has to offer. You can try out some of the casino “classics” and some fantastic variations of the classic games, including blackjack, roulette and poker. 

    888 Casino understands and appreciates its Canadian customer base, and this shows through its payment methods offered. At 888Casino, you can make instant deposits and sometimes instant withdrawals using a wide range of payment methods. 

    Pros ✅Cons ❌
    Globally renowned gambling brandCould offer more banking options
    Great option for beginner and experienced players
    Access to sports, casino, live casino, bingo, poker and a games platform

    How Do We Select the Best Real Money Casinos?

    • Progressive Jackpots and Slot Games: One of the first things our experienced cree considers when assessing online casinos is the variety of slot and progressive jackpot games available. We won’t include an online casino in our top list if it does not offer a wide enough variety of games to satisfy the needs of every player. Including games with large progressive jackpots can increase the user’s enjoyment and engagement.
    • Live Dealer Games and Table Games: Despite the fun you can have playing progressive jackpots and slot games, it is equally as important for real money casinos to offer live dealer games and table games. The minimum requirement in the eyes of our experts is a basic offering of the classic casino games, including blackjack, roulette, and poker, but these games should also all have versions with live croupiers. We have compiled a list of the best live casinos in Canada here.
    • Bonuses and Welcome Packages: Online casinos should provide a variety of bonuses and promotions to draw in new players and keep existing ones coming back. These offers ought to range from free spins, free coins, deposit bonuses, to no deposit incentives. All of these incentives have fair terms and conditions, wagering limitations, and should be prominently disclosed.
    • Deposit and Withdrawal Options: A variety of payment options is another necessity for professionals. It makes sense for online casinos to use Interact as a payment method for their Canadian patrons, as many Canadian gamers do. The top Canadian real money casinos also need to accept a variety of payment methods, including credit cards, e-wallets, and bitcoin.

    How to Sign Up for a Real Money Casino

    Creating a new customer account at an online casino is generally the same process, and is now easier than ever! Follow these simple steps:

    1. Create Your Account: Head over to your chosen site, (we highly recommend the sites above) and click the “Sign Up” or “Join Now” button. Go ahead and fill in the digital form with all the required information, bearing in mind that you may have to provide some personal identification, such as a driver’s license or passport.

    2. Verify Your Email: Once you have created your account, go to the inbox of the email address you used upon signup. You should have received an email asking you to verify your account. Click the “Verify Account” button on the email, and it should direct you back to the site. If not, you can do this yourself.

    3. Make Your First Deposit: Once your account has been validated and you have provided all the necessary information, you are ready to make your first deposit. From this point on, you can benefit from the brand’s sign-up offer.

    Frequently Asked Questions

    Are Real Money Casinos Legal in Canada?

    Real money casinos are permitted in Canada, but you must choose a secure one. Make sure a licenses is shown to safeguard your funds and information. To learn more, click the link above.

    What are the Best Real Money games?

    Our top picks for online games Reactzoonz, Eternal Romance, and Starburst.

    Are Real Money Casinos Safe?

    There are several safe casinos available. You may verify whether the venue where you are playing is secure by visiting the licensing page to ensure that your funds and data are safeguard. To help you choose a casino to play at, look over the list above.

    Summary

    We hope that our website has given you all the information you need to know about Canada’s best real money casinos. Our experts say Jackpot City is the best real casino in Canada. This is because of the website’s wide range of games, enticing bonus deals, and first-rate payment options.

    If you still have important questions, the answers should be in the commonly asked questions section above.

    DISCLAIMER: We would like to emphasize that gambling is risky and shouldn’t be used to resolve financial difficulties. The saying “the house always wins” is worth keeping in mind. If you or someone you know has a gambling problem, we firmly advise you to call Gamblers Anonymous at 1-626-960-3500 to speak with an expert about getting assistance and making gambling safer for you or your friends and loved ones.

    Remember that all gaming websites and instructions are intended for people aged 19 and above. Some of the casino sites featured on our site may not be available in your location. Check your local regulations to see if Internet gambling is permitted in your area.

    Check out the following organizations for free gambling addiction resources: http://www.gamblersanonymous.org/ga
    http://www.responsiblegambling.org/
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  • Best Online Gambling Sites in Canada – Our Top picks for January 2025

    Best Online Gambling Sites in Canada – Our Top picks for January 2025

    Canada is home to some of the best gambling sites in the industry, and our team of gambling experts has been reviewing and selecting the top 5 to bring to you. Throughout this article, you can expect to find out more about Jackpot City Casino, the number one pick and how this and other sites were chosen, how to sign up, the bonuses available, the best slot titles and providers, the latest gambling news, and more. Continue reading below for everything you need to know.

    List of the Top Gambling Sites in Canada Reviewed

    Our team of gambling site experts has been hard at work trying and testing the range of different Canadian gambling sites available and has selected the following as the top five best places to play.

    No.CasinoWelcome Bonus
    🥇Jackpot City CasinoUp to C$1600
    🥈BetMGM100 Free Spins When You Play $10
    🥉Palmslots100% up to C$750
    4Spin CasinoUp to C$1000 Deposit Bonus
    5Jettbet450% Bonus + 325 Free Spins
    6TonyBetUp to $2500 Welcome Package
    7888 Casino100% up to $1000 Bonus
    8PinnacleEnhanced Odds and Payouts
    9Mr Vegas Casino100% up to C$200

    Expert Rating: 4.9/5

    jackpot city canada

    Jackpot City has been one of the top casinos in the world since its inception. Canadian Punters have been exceptionally happy with the site’s vast game library and comprehensive range of payment methods. No matter your preferred game, whether you enjoy poker, roulette, or even slots, you will undoubtedly find something to sink your teeth into on the Jackpot City site. Players can also take full advantage of an extremely generous welcome offer and a fantastic range of existing customer promotions, offered to those already registered with the site.

    Pros ✅Cons ❌
    Huge selection of gamesHigh wagering requirements
    Generous welcome bonus
    $1 minimum deposit available
    Extensive list of payment methods

    Expert Rating: 4.8/5

    betmgm casino canada

    One of the world’s most popular brands, for both casino and sports betting, BetMGM makes it to our list of the best gambling sites in Canada. The brand is renowned for its casino games and betting options, an impressive range of payment methods, and some industry-leading bonuses and promotions for both casino players and sports bettors. BetMGM is also the top destination for live streaming your favorite sports and offers all its customers the most competitive odds in the industry. Our team of experts highly recommends BetMGM for both its casino and sports betting platforms. 

    Pros ✅Cons ❌
    Great reputation in the US and CanadaMore centred around sports bettors
    Bonuses and promotions are great
    Sportsbook, poker and arcades are also available
    Exciting slot games on offer

    Expert Rating: 4.7/5

    Palmslots Casino

    If you are looking for an online casino site that offers all of the popular games you have heard about, then look no further. At Palmslots Casino, users can enjoy all of the most well-loved casino games across Canada; such as Fluffy Favourites, Gold Blitz, Big Bass Splash, 9 Pots of Gold, Rainbow Riches, and Eye of Horus. Another great thing about Palmslots Casino is that they offer a range of promotions for these specific games, as well as various other bonuses.

    Pros ✅Cons ❌
    Sports betting and Casino optionsCould offer more payment methods
    Huge range of casino games
    Wide sports coverage
    Easy to use site

    Expert Rating: 4.7/5

    PlayOJO Casino

    PlayOJO was founded as recently as 2017 but has since become one of Canada’s go-to casinos for a high-quality betting experience. Customers signing up for the site for the first time can claim an exceptionally generous exclusive sign-up bonus, along with plenty of bonuses and promotions once they have signed up. PlayOJO has certainly earned its place on this list!

    Pros ✅Cons ❌
    8 years experienceNo dedicated mobile app
    Generous welcome bonus
    Cares for existing customers
    Bright and attractive website

    Expert Rating: 4.6/5

    Northstar Bets Canada

    Northstar Bets Casino has cemented itself as one of Canada’s top choices when it comes to online casinos. This is perhaps due to the site’s exceptionally generous welcome offer, the incredible VIP/Loyalty program, or maybe even the wide range of online casino games available to both new and existing customers. Either way, we know that Northstar Bets Casino has earned its place on this list of the best gambling sites in Canada. Players who wish to bet whilst on the go can also do so on the Northstar Bets Casino site. A free-to-download mobile app is available to both iOS and Android users, across the country.

    With valuable experience in the gambling industry, Northstar Bets Casino stands out from the crowd by offering an amazing design, an easy-to-use mobile app, and a selection of some of the best-known slot titles out there. Northstar Bets features on our list of the best online casinos in Canada, check out the full review here.

    Pros ✅Cons ❌
    Fantastic jackpots availableThe site layout could be improved
    New casino games frequently
    Wide range of sports betting markets

    How Do Our Experts Rank and Review Online Gambling Sites?

    When reviewing and ranking the best online gambling sites, our experts have a list of key criteria that are used to determine whether or not the site makes it into the top five. We have discussed the criteria in more detail below.

    • Variety of Games and Betting Options – To be one of the top gambling sites in Canada, it must offer a wide variety of games and different betting options. These can include slot games, table games, live casino games, and betting options such as over/under, prop bets, and totals.
    • Bonuses and Offers – The best gambling sites will all feature a wide range of bonuses and offers for new and existing customers. Welcome, offers are among the most important promotions run by sites, as they attract new users to sign up and can contain free spins and no-deposit bonuses. Existing customer offers can include login bonuses, loyalty bonuses, and more.
    • Mobile Compatibility – To be one of the best Canadian gambling sites, the platform must be fully accessible and compatible across desktop and mobile devices, whether you access the site through a mobile browser or via a dedicated mobile app available for download.
    • Payment Methods – The best gambling sites will accept a range of payment methods, ensuring there is a method everyone is familiar with and trusts. These can include, but are not limited to, Visa, Mastercard, PayPal, Skrill, Paysafecard, Interac, Bitcoin, and Bank Transfer.
    • Security and Licensing – All of the best gambling sites Canada has available will have the relevant and required licences, which means the sites operate legally with the relevant safety regulations. It must have up-to-date encryption software to ensure customers’ details and transactions are safe and secure. We would not recommend any gambling sites that are not safe and legal to use.

    Best Online Casinos in Canada

    • Jackpot City Casino
    • BetMGM Casino
    • Palmslots

    Best Online Sportsbooks in Canada

    • BetMGM
    • Northstar Bets
    • Tonybet

    Best Canadian Online Slots

    • Jackpot City Casino
    • Spin Casino
    • PlayOJO Casino

    How to Sign Up to an Online Gambling Site?

    Signing up with any of the best online Canadian gambling sites is quick and easy. Below is a step-by-step guide to help you get started.

    Click the Link Above

    join now icon

    Click the link provided to head to the sign-up page of the best online gambling sites you wish to sign up for.

    Enter Personal Details

    enter your details icon

    Enter your details, such as your name, address, date of birth, email address, and phone number.

    Create Unique Password

    create a password icon

    Create a unique, memorable username and password combination

    Sign In and Make A Deposit

    make a deposit icon

    Sign in and make your first deposit into your account to start playing.

    Enter Bonus Code

    promo code icon

    If there is a bonus code to enter for a new user promotion you wish to claim, enter the bonus code now.

    Enjoy!

    have fun icon

    Finally, enjoy your time! 

    Online Gambling on Mobile

    In this digital age, online gambling sites must focus on mobile offerings. Sites must be accessible via a mobile browser or a dedicated mobile app if a site has one. The advantages of online gambling sites being accessible on mobile devices are that users can take their gaming on the go wherever they are, with increased accessibility for those who may not have a desktop computer. It is convenient to be able to play from anywhere, picking up right where you left off. However, a disadvantage to mobile gambling sites is that the screen size will be much smaller, and if you access it via a browser, you will need to log into your account each time you visit the site.

    Software Providers for Gambling Sites 

    The best gambling sites Canada has will all feature some of the best software providers in the business, providing the best gameplay experience possible. There are some of the top names in the industry providing their knowledge and experience, ensuring only the best is on offer to customers. Customers at the sites included above can find games from global giants such as Microgaming, NetEnt, Pragmatic Play, Playtech, IGT, Evolution, and more. The best gambling sites will have it all, whether you’re after stunning graphics, smooth gameplay, seamless transitions or immersive gameplay.

    Online Casino Payment Methods 

    The recommended top five online gambling sites ranked by our experts above offer some of the following payment methods for Canadian customers.

    Interac is a household name when it comes to the best gambling sites in Canada. It allows users to transfer money between online banking and online casinos without sharing any banking or financial data. It has a lot in common with debit cards, including withdrawal times of 1-3 days.

    One of the most secure payment methods, PayPal, is accepted by some of the biggest online casinos worldwide. It is a hugely popular method, opted for frequently by customers due to their familiarity with it and the brand’s reputation. Payouts can be as quick as 48 hours at PayPal.

    Accepted at many online casino sites, Mastercard is a simple, quick, and secure way for customers in Canada to add and withdraw funds from their accounts. It is one of the largest recognised debit/credit card brands. Withdrawal requests can take 2-4 business days.

    Visa is the most popular payment method at online gambling sites. It is widely accepted across the majority of platforms and is universally available for both deposits and withdrawals. Withdrawals can take 1-3 business days.

    A popular prepaid card, Paysafecard, is widely available and accepted at lots of online casino sites. It can be used to make deposits and can be quickly updated with funds online. It can take just 24 hours for withdrawal requests to be completed and funds in your account.

    Another top e-wallet, Trustly, provides secure and instant transactions with direct linking to customers’ bank accounts. Its unique ‘Pay N Play’ feature helps make transactions quick. Withdrawals will be completed in a similar time to other e-wallets, such as 48 hours for PayPal.

    Deposits and withdrawals can be made via bank transfer at the top gambling sites in Canada. These often take up to 7 days to complete and are great for larger amounts. Sometimes there can be a small fee applied.

    Bitcoin, one of the most recognised names in the cryptocurrency arena, is becoming a frequent feature at the best Canadian gambling sites, and its popularity is continually increasing. Bitcoin deposits and withdrawals should be available instantly.

    Types of Bonuses Available at Online Casinos

    There are plenty of different online casino bonuses available for customers to enjoy across the best Canadian gambling sites. We have looked into these some more, as shown below.

    No-deposit bonuses, which are among the most often claimed offers by consumers, give access to money provided by the online casino so they may browse and test out the site without paying anything. Since there is no deposit needed to participate, more people are encouraged to do so and play risk-free and worry-free. You can play any game you choose for free and even cash out your winnings.

    Deposit bonuses can allow customers to receive money back up to a certain amount depending on the amount they deposit or even their deposit matched at many Canadian gambling sites. Deposit bonuses can also include customers receiving their deposit back as a bonus bet if their wager loses; there are lots of great deposit bonuses available to new and existing customers at these top sites.

    Low deposit bonuses allow customers to start playing at an online gambling site for a very small amount of money being deposited into their account. It is a chance to get stuck into some real money gameplay without spending too much of your money. Just ensure you meet the lowest minimum deposit requirements and once complete, you can start exploring some top casino titles.

    This type of bonus is where customers can deposit just $1 at a site to be able to claim an offer and start playing. It is great for new customers to a site as it is an opportunity to try out lots of different features and titles for depositing just $1. A budget-friendly option for those who are just starting their journey at a site.

    Numerous free spins offers on well-known slot games are available to players at online casinos. Players who sign up for the site’s welcome bonus can earn free spins by participating in slot races and contests or by playing certain games that provide them. When you use free spins bonuses, you can get more spins on your favorite games.

    Tips for Finding the Right Gambling Site for You

    To help you decide which is the right site for you, our Canadian gambling sites experts have put together some top tips which we have included below.

    • Choose one of our recommended sites – Visit the website on your desktop or mobile device after choosing one of the top 5 Canadian gambling sites from the list above, along with any applicable welcome bonuses that we have suggested. Then, to get started, go to the signup page.
    • Make sure you claim the welcome bonus – Once you have registered at your chosen site, ensure you claim the welcome bonus to receive your free bets and rewards.
    • Check the Game Variety – Always check the selection of games and that there is a suitable variety to ensure that there are titles for you to play and ones you like and enjoy.
    • Check the Payment Options – Ensure that regular payment methods are recognised and accepted by the site. This ensures the safety and security of your transactions and information. You want a site that accepts a payment method you are comfortable using.
    • Shop around for different sites – Before committing to one site, it is always worthwhile to shop around and see what other gambling sites have to offer. Compare the promotions, odds, betting markets, site, and mobile offerings and select the one that appeals to you the most.
    • Use the mobile app – Finally, on your mobile device, download the particular app for the website of your choice from the app store of your choice. To determine whether it is a platform you wish to play on again, look at its functionality usability.

    Best Online Gambling Sites for Canadian Gamblers: FAQs

    Is online gambling legal in Canada?

    Yes, it is. To further ensure you safety, check the website for the casino’s licensing status. Every casino on our listings below satisfies the legal requirements to safeguard your funds and private information. Click here to find out more.

    What is the legal gambling age in Canada?

    You must be at least 19 years old to register for an account and deposit money at a casino or betting website. In order to expedite the registration process, bring identification.

    Can I Trust Online Gambling Sites?

    Your money and information will only be secure if they offer a license on the website. Check out our list of the top licensed online casinos now taking new players.

    Is Online Gambling free?

    At any time, you can create a casino account for free. However, if you were a new player and took advantage of the registration offer, the casino would give you extra to spend on games, cashback, or free spins. Always check the terms and conditions to see what is needed. Make sure you wager intelligently and stay inside your means. Click here to find out more.

    How many welcome bonuses can I claim?

    Regardless matter how you decide to spend, be sure to set spending boundaries for yourself to prevent overspending. Find out more about it here.

    DISCLAIMER: We would like to emphasize that gambling is risky and shouldn’t be used to resolve financial difficulties. The saying “the house always wins” is worth keeping in mind. If you or someone you know has a gambling problem, we firmly advise you to call the Gamblers Anonymous at 1-626-960-3500 to speak with an expert about getting assistance and making gambling safer for you or your friends and loved ones.

    Remember that all gaming websites and instructions are intended for people aged 19 and above. Some of the casino sites featured on our site may not be available in your location. Check your local regulations to see if Internet gambling is permitted in your area.

    Check out the following organizations for free gambling addiction resources:

  • Best Bitcoin Casinos in Canada – Top BTC Casinos for Canadian Players

    Best Bitcoin Casinos in Canada – Top BTC Casinos for Canadian Players

    Bitcoin has become a vastly popular Canadian casino payment method in recent years, this is for many reasons, including ease of use, low fees and fast withdrawals. This article covers every bit of information you need to know about Bitcoin as a casino payment method, along with a list of recommendations for the best Bitcoin casinos in Canada compiled by our expert team.

    Best Bitcoin Casinos in Canada Reviewed

    Bitcoin Casino Sites for Canadian Players

    Expert Rating: 4.9/5

    Dolly Casino Bitcoin Casino

    Our team found Dolly Casino’s selection of casino promotions for both new and returning customers to be one aspect that stood out. You can wager on these promotions with Bitcoin and a variety of other payment options, including Interac and Neteller. Dolly Casino’s current welcome pack is particularly generous; bettors can receive up to 1,500 CAD over three bonuses. Players must make three separate deposits of 30 CAD. On the first deposit, players will receive a 100% bonus up to $750; for the second deposit, players can receive a 75% deposit bonus after they deposit, which will reward them up to 450 CAD. Finally, on the third deposit, 50% up to $300 can be claimed

    Pros ✅Cons ❌
    Games from top gaming software providersSportsbooks not on offer
    Large range of promotionsLimited FAQ section
    Tournaments available
    Immense live casino section

    Expert Rating: 4.8/5

    Tonybet Bitcoin Casino

    In addition to being a fantastic online Bitcoin casino, TonyBet is also excellent for sports betting. Here, players can find a variety of sports betting markets, such as those for football, basketball, and tennis. Casino users can play brand-new, well-liked, and jackpot slots, all of which come from top gaming software providers such as Pragmatic Play, NetEnt, Red Tiger and Blueprint. The current welcome promotion at TonyBet, which can be claimed using Bitcoin, is offering new players a 100% deposit bonus of up to C$1000 and 120 free spins. It is important to note that any winnings from this bonus come with wagering requirements of 50x. 

    Pros ✅Cons ❌
    Extensive SportsbookCountry restrictions
    Range of offersLimited contact options
    Variety of casino games
    Great payment methods

    Expert Rating: 4.8/5

    BC Game Bitcoin Casinos

    Of all the websites on our list, this casino features the greatest live casino component. Roulette, Blackjack, Poker, Baccarat, and game shows are available to players. The leading software developers behind these games include Evolution Gaming, Pragmatic Play, Playtech, and TVBET. BC.Game is offering bettors up to CA$26,000. Bitcoin Dollars can then be used around the site. There is a wide range of promotional offers available at the BCGame site, so be sure to check them out!

    Pros ✅Cons ❌
    Range of sports betting marketsOnly cryptocurrency is offered
    Live casino, slot and table games on offer
    Top quality live support option

    Expert Rating: 4.7/5

    Powerplay Bitcoin Casino

    A top-notch customer support team is available to gamblers at Powerplay Casino. A thorough FAQ section and a variety of contact methods, including Live Chat, Facebook, Email, and a mobile number, are available to users. The current new player promotion available at Powerplay Casino is offering bettors up to C$1,000 over their first three deposits. The first deposit will offer a 100% deposit bonus up to C$200, and the second and third deposits will also provide a 100% deposit bonus. Users can receive up to C$500 on deposit two and C$300 on deposit three.

    Pros ✅Cons ❌
    Top customer support sectionA vast range of sports betting markets are available
    Wide variety of promotionsLimited language options available to players
    A vast range of sports betting markets are available
    Huge variety of payment methods

    Expert Ranking: 4.7/5

    iWild Bitcoin Casinos

    This casino is known for its next-level VIP program, which has five levels; Bronze, Silver, Gold, Diamond and Joker; as players climb these levels, through placing bets, they receive a range of bonuses, including weekly cashback, decreased wagering requirements, additional bonuses and later on even a personal account manager. When new customers claim iWild Casino’s welcome promotion, they can receive a 100% deposit bonus up to C$800 plus 100 free spins. Users must bet a minimum of C$30, and they must meet the bonus winnings wagering requirements of 35x. In the next three deposits, bettors can receive an additional 160 and a deposit bonus of up to C$4500 and 170 free spins.

    Pros ✅Cons ❌
    Social media platforms availableNo sports betting markets available to players
    Top-tier loyalty program
    Variety of payment options

    Expert Ranking: 4.7/5

    Snatch Bitcoin Casino

    Snatch Casino is a casino website with a distinctive look and a wide selection of features. For instance, players at Snatch Casino can participate in and enjoy more than 4,000 slots, and live, and table games. With its variety of payment methods, including Mastercard, Instant Banking, Paysafecard, American Express, Bitcoin and other cryptocurrencies, players may also enjoy instant deposits and quick payouts. As a result, this casino has ended up on our list of top Bitcoin Casinos in Canada. 

    Pros ✅Cons ❌
    Great customer supportOffers are limited
    Top-notch live casino sectionOnly available in two languages
    Games from top software providers
    Fun and unique theme

    What Makes the Best Bitcoin Casinos?

    There are certain features that our team looked for when deciding what the top Bitcoin casinos are; we’ve listed these below, along with why they are so vital in this decision.

    • Accepting Bitcoin: Unsurprisingly, the site has to offer Bitcoin as a payment method to be considered for our list of the best Bitcoin casino sites. When players use this method at an online casino it should be quick and should not come with any additional fees imposed by the casino. The best Bitcoin casinos should also find a range of Bitcoin casino games and bonuses.
    • Game Collection: The best Bitcoin casino should offer a range of Bitcoin casino games, which are games that can be bet on using this payment option. Some of these games can also be crypto-themed or only accept Bitcoin as a deposit method. Players should be able to find slot, live and table games at least, and they all should be fun, easy to play and high quality with decent payout levels. A great way to tell if the games at a casino are up to par is by checking what gaming software developers provided the games, in particular, Microgaming, Pragmatic Play and Novomatic.
    • Range of Bonuses: Another feature that should have a range of options is bonuses and promotions. Players should be able to find a variety of regular promotions and Bitcoin online casino bonuses. Bitcoin bonuses are offers that can only be claimed using Bitcoin and can only be withdrawn with Bitcoin. The promos on offer should include both new and existing customer offers, such as welcome, VIP and referral bonuses. A Bitcoin casino bonus is so great because it rewards players for simply using their preferred payment method. Players should be assured that all of the casinos on our list offer a range of bonuses to choose from.
    • User Interface and Functionality: A great Bitcoin casino shouldn’t only look good but also run smoothly. The site should have top visual quality, including bright colours and clear images. On top of this, it is also great when the site has unique features and themes, such as profile characters and themed game sections. The site should also be quick and easy to use because there is nothing worse than waiting for a page to load and a delay in accessing your favourite games. 
    • Payment Methods: As great as Bitcoin is as a payment option, a top online Bitcoin casino should offer a range of other payment methods. Bettors should be able to find e-wallets, bank transfers, pre-paid cards, mobile payment options and other cryptocurrencies like Litecoin and Ethereum. It’s even better when these payment methods are all speedy, simple to use and have low to no fees attached for deposits and withdrawals. The vastness of payment options means that players can choose whatever option suits their needs best.
    • Safety and Security: Although Bitcoin and other cryptocurrencies are generally unregulated, which we will cover later on in this article, the best Bitcoin casino sites still take all appropriate precautions to ensure customer security and safety. The Bitcoin casino online should be fully licenced by the appropriate governing bodies. It should also use encryption software to make sure that all players’ information is protected and secure, such as their name, address and payment details. It is also great when the site offers gambling addiction prevention options such as time outs, betting limits and links to gambling addiction help sites.
    • VIP Program: A top Bitcoin online casino should offer its customers a VIP program on top of its range of promotions. The purpose of a VIP / Loyalty program is to reward returning customers for betting a certain amount of funds over time. These programs can be game genre-specific, such as poker, payment method specific, such as Bitcoin, or just generally for all games and payment options. VIP programs can reward players with a range of bonuses such as free spins, deposit bonuses, multipliers, and reload bonuses. Many of the sites on our list offer loyalty programs which can be played on using Bitcoin, so why not sign up for one of them today?

    How to Deposit Using Bitcoin

    Depositing at a casino with Bitcoin is a quick and easy process, with just a few simple steps. We have listed these below to help you make your very first Bitcoin deposit.

    • Step 1: First, make sure you have created a Bitcoin account and picked a Bitcoin wallet that matches your needs.
    • Step 2: You will then need to purchase Bitcoin using your bank details, the amount is up to you, and you can buy more in the future.
    • Step 3: Make your way to the cashier page of your chosen site, click on Bitcoin, and ensure that you are selecting the correct one.
    • Step 4: The gambling site will have a wallet address; this will be in QR code and or written format. If you have a wallet that has a camera, then scan the code; the wallet will then connect the two; if not, you must enter the written code.
    • Step 5: Finally, enter the amount you would like to transfer into your betting account.

    How to Withdraw Using Bitcoin

    Just like depositing at a Bitcoin Casino Canada, withdrawing funds is fast and simple; you just need to follow the following steps, and you should receive your funds in good time.

    • Step 1: Log into your chosen casino account.
    • Step 2: Go to the bank/payment/cashier section of the site.
    • Step 3: Click withdrawal and select Bitcoin and your chosen method.
    • Step 4: Enter the exact amount you wish to withdraw.
    • Step 5: Type in your public wallet number; the funds should then enter your Bitcoin account after a given amount of time (this will depend on your wallet and the casino).

    Advantages of Using Bitcoin Casinos

    There are a few key advantages to using the best online Bitcoin casino in comparison to a traditional casino site; we have listed these here.

    Financial Anonymity

    A great thing about playing at the best Bitcoin casino in Canada is that crypto payments offer full privacy to customers. Financial anonymity allows users to do what they wish with their money without having to announce their activities to their banks and credit rating agencies. This feature is one of the many reasons why Bitcoin is so popular among avid bettors both in Canada and other parts of the world.

    Low Deposit and Withdrawal Fees

    When you play Bitcoin casino games, a great feature is that Bitcoin has low deposit and withdrawal fees. In comparison to other online casino payment methods, Bitcoin is much cheaper; players are not charged excessive fees on top of their deposits and withdrawals. Although there are other cryptocurrencies with even lower fees, such as Litecoin, these are less common, and Bitcoin is a great option in replacement as it’s available at many online casinos and betting sites.

    Convenient and Accessible 

    An overarching advantage of using a Bitcoin Casino is that you can play with it anywhere. This is because traditional casinos will block your payment as other payment options will show where you’re from, but Bitcoin is anonymous and can come from literally anywhere in the world. This means you can bet on a site that would not usually be available to you through VPNs, using Bitcoin.

    Better Bonuses

    Since cryptocurrency payments enable them to save money on deposits, withdrawals, chargeback fees, and other expenses, many of the top Bitcoin casino sites provide larger and better bonuses. This implies that casinos can provide more frequent and substantial promotions. Bitcoin bonuses, which are exclusive to customers who use this payment method for betting and provide claims, are another fantastic item that Bitcoin users may anticipate.

    Provably Fair Games

    The Provably Fair algorithm keeps games at online Bitcoin casinos fair, and it does this in several ways. First, it generates hands that can later be verified by players. On top of this, it does not use third-party companies and does not need to be acknowledged by authorities due to the fair algorithm and blockchain, which is a public ledger.

    Fast Withdrawals

    One reason why Bitcoin is so popular as a payment method is its speedy withdrawal times, some sites even process withdrawals in as little as 10 minutes. It is important to note, however, that some withdrawal amounts are capped over a certain time. Fast withdrawals mean that once you win, you could be using your money in a matter of minutes, hours or days. If there are any issues with withdrawals, be sure to check with the casino.

    Limitations of Using Bitcoin Casinos

    Just like most online payment methods, Bitcoin also has its own drawbacks and problems, we are going to cover these here. 

    Unregulated

    Conventional casinos must adhere to stringent rules and obtain licenses from the relevant regulatory organizations, ensuring that all funds pass through governments, banks, and financial institutions. These casinos can function without a license by accepting cryptocurrency-only payments, so they are exempt from reporting to outside regulatory agencies. Players may run the danger if unfair treatment and scams from the casinos as a result. It is wiser to only play at casinos that have licenses and let players use cryptocurrency, such as all of the casinos on our list of the top Bitcoins casinos.

    Cryptocurrency is Volatile

    Bitcoin is known for being extremely volatile; this means that the value is constantly fluctuating, so one day, your overall Bitcoin value could be 10,000 CAD, and the next time you check could only be worth 5,000 CAD. Unfortunately, this is unavoidable at the moment. However, it could sometimes be an advantage if the value increases. But you have to decide for yourself whether or not the risk is worth it.

    No Refunds or Chargebacks

    The majority of online casinos accept traditional currency payments, which are susceptible to chargebacks. If you think you have been defrauded, you can request a chargebacks. If you think you have been defrauded, you van request a chargeback from your payment provider, which is made possible by Bitcoin and other cryptocurrencies. While it can occasionally be beneficial, it can also backfire if you are not cautious and responsible with financial decisions.

    Country Restrictions

    Unless they choose to travel to or relocate to one of the prohibited nations, residents of Canada do not have to be concerned about this disadvantage. It is crucial to remember, though, that not all countries allow the use of cryptocurrency. The usage of cryptocurrencies is illegal in more than 20 countries, including China, Thailand, Qatar, Indonesia, Russia, the Dominican Republic, North Macedonia, Saudi Arabia, and Eygpt.

    How to Sign Up for a Bitcoin Casino

    The process of signing up for a Bitcoin Casino is easy, follow the steps we have listed below, and you will be betting with Bitcoin in minutes.

    Step 1 – Signing Up

    • Pick one of the sites on our list and click the link, which will take you to the site’s home page.
    • Click the ‘sign up’ or ‘create account’ button in the top right-hand corner.
    • Enter all of the required information; username, password, address, phone number, email, address and payment information.
    • Wait to receive the validation link or code.

    Step 2 – Validation

    • Once received, click the link or enter the code.
    • Be sure to check your junk/spam folder if you can not find it.

    Step 3 – Deposit and Play

    • Make a deposit using Bitcoin; this can be done in the cashier or banking section of your new account. For more detail, follow the guide further up this review.
    • Claim the welcome bonus if available.

    Bitcoin Casinos – Pros and Cons

    Pros ✅Cons ❌
    Users have full financial anonymityCrypto payments are unregulated
    The deposits and withdrawals are fastThe value of Crypto is volatile, meaning it’s constantly changing
    Bitcoin is widely accessible and convenientThere are no refunds or chargebacks with cryptocurrencies
    Low fees are attached to deposits and withdrawals
    Players can receive better bonuses
    Use a provably fair algorithm

    Alternative Payment Methods

    At the best real money online casinos and sports betting sites that accept Bitcoin, gamers can also use debit cards, prepaid cards, credit cards, mobile payments, e-wallets, and other cryptocurrencies in addition to Bitcoin. Interac, Litecoin, Paysafecard, Mastercard, Zimpler, Skrill, Neosurf, and American Express are a few of the available payment options. The top Canadian Bitcoin casinos provide at least one of these payment options.

    Frequently Asked Questions (FAQs)

    Is there a legit crypto casino?

    To ensure that your information is safe online, you should look for a license on the casino’s website. This will ensure that your money and personal data are secure. Click the aforementioned link to find out more.

    What is the biggest crypto casino?

    Dolly Casino is one of the cryptocurrency casinos that are now accessible online. To help you choose the best one, we have compiled a list of the best ones that are currently offered online. For other casinos that accept cryptocurrencies.

    Are Bitcoin casinos safe?

    Actually, there are several secure bitcoin casinos that are currently licensed and registered online, and each one has extra security measures in place to ensure the protection of your money and private data.

    Can I win real money playing at Bitcoin casinos?

    To win real money, you have to make a deposit. Try out new games that provide welcome bonuses or free spins to get the best value for your money. Click here to find out more.

    Are Bitcoin casinos better than traditional casinos?

    The only deciding element will be your taste. To assist you in selecting what you like, we have provided a list here. Now let’s get more information. Click on the URL indicated earlier.

    Summary

    To sum up, playing at Bitcoin casinos is strongly advised.

    DISCLAIMER: We would like to emphasize that gambling is risky and shouldn’t be used to resolve financial difficulties. The saying “the house always wins” is worth keeping in mind. If you or someone you know has a gambling problem, we firmly advise you to call Gamblers Anonymous at 1-626-960-3500 to speak with an expert about getting assistance and making gambling safer for you or your friends and loved ones. Remember that all gaming websites and instructions are intended for people aged 19 and above.

    Some of the casino sites featured on our site may not be available in your location. Check your local regulations to see if Internet gambling is permitted in your area.

    Check out the following organizations for free gambling addiction resources:

  • Best Online Casinos in Canada – January 2025

    Best Online Casinos in Canada – January 2025

     Lauren Lister, writer, NewsDirect.com | Fact Checked By: Sarah Lunness, NewsDirect.com

    There are so many online casinos available to Canadian gamblers, and it can be hard to know not only which are worth your time, but also which are safe and reliable. Our experts have reviewed all the options to find the five best online casinos in Canada. Stay tuned to learn more. 

    After careful review, our experts believe that Jackpot City is the best online casino in Canada right now.

    The Best Online Casinos in Canada Ranked

    No.CasinoWelcome Bonus
    🥇Jackpot City CasinoUp to C$1600
    🥈BetMGM100 Free Spins When You Play $10
    🥉Palmslots100% up to C$750
    4Spin CasinoUp to C$1000 Deposit Bonus
    5Jettbet450% Bonus + 325 Free Spins
    6TonyBetUp to $2500 Welcome Package
    7888 Casino100% up to $1000 Bonus
    8PinnacleEnhanced Odds and Payouts
    9Mr Vegas Casino100% up to C$200

    Best Online Casinos Canada Reviewed 

    Our experts have used their excellent knowledge of Canada’s leading online casino sites to recommend the top 5 sites for our valued readers to try. Our experts ensure that each elite casino site provides an exemplary user experience bursting with incredible features like generous bonuses and a large variety of games. To find out more about the best online casinos in Canada, keep reading

    Expert Rating: 4.9/5

    Jackpot City Canada-2

    Since 1998, Jackpot City Casino has been a popular choice for many enthusiasts searching for a well-established and reliable casino. Jackpot City has certainly impressed after its recent expansion into the Canadian casino realm. As soon as users enter this incredible casino they are greeted with an easy-to-navigate interface that displays the site’s generous new and existing customer bonuses alongside the incredible range of game types. These include slots, blackjack, roulette, live dealer games, and craps, to name a few. 

    Furthermore, users can rest assured that they will receive 24/7 support from the reliable Jackpot City customer support service. The only gripe with the incredible Casino is that the following welcome bonus is more suited to slot players. However, Jackpot City is certainly not a casino to miss out on. 

    Pros Cons ❌
    Responsive 24/7 customer serviceSome countries are restricted
    Hundreds of high-quality game titles to choose fromWagering requirements on the welcome bonus can be quite high
    Fully mobile optimized
    SSL data encryption technology

    Expert Rating: 4.8/5

    BetMGM Canada

    BetMGM Casino Canada delivers a comprehensive online gaming platform with a diverse range of games, including slots, table games, and live dealer options. Our experts particularly favored the live dealer selection for its interactive feel. Licensed and regulated by the reliable Alcohol and Gaming Commission of Ontario, it ensures a secure and fair gaming environment. The casino offers attractive bonuses and promotions, enhancing the player experience. its well-designed mobile app, providing seamless gameplay on the go. However, some users might find the wagering requirements for bonuses high. Overall, BetMGM Casino Canada is a reliable choice for online casino enthusiasts.

    Pros Cons ❌
    Secure SSL-encrypted casinoNo game filtering system
    Mobile compatible with iOS and Android devices
    Customer support response times are speedy

    Expert Rating: 4.7/5

    Palmslots Canada

    Palmslots Casino Canada is an emerging online crypto casino that delivers a diverse online gaming experience with attractive offers displayed across the homepage, alongside an extensive selection of slots, table games, and live dealer options; over 5000 to be precise. Thanks to valid licensing and certification from the Government of Curacao, users are in safe hands, which ensures a secure and fair gaming environment. 

    Palsmlots Casino also provides a user-friendly interface and responsive customer support to enhance the overall gaming experience. However, there is currently no telephone customer support contact option. Users can still use the site’s efficient live chat, email, and FAQ section. Our experts recommend our readers create a Palmslots Casino account today to relish these incredible features. 

    Pros Cons ❌
    Reliable 24/7 live chat customer supportThe bonus comes with high playthrough
    Plenty of bonuses to choose from
    Several top-notch software developers

    Expert Rating: 4.7/5

    Playojo Canada

    PlayOJO online Casino delivers a fair and transparent online gaming experience, featuring superb customer features, including a fantastic range of promotions for new and existing customers, a vast selection of live dealer titles and top-notch mobile compatibility for iOS and Android devices. Its standout feature is the no-wagering requirement on bonuses, making promotions straightforward and appealing. 

    It is no surprise that Playojo Casino is one of the best in Canada. The platform is easy to navigate, supported by 24/7 customer service, and operates under proper licensing and regulation to ensure player safety. Although the game selection may be somewhat smaller than other leading casinos, PlayOJO still offers a trustworthy and enjoyable gaming environment.

    Pros Cons ❌
    Fast withdrawal speeds Live chat response times can be slow
    24/7 live chatThe selection of banking options is limited
    Fully mobile optimized
    Reliable licensing

    Expert Rating: 4.7/5

    BetMGM Canada

    Players looking for one of Canada’s leading online casino sites have come to the right place! Northstar Casino offers an engaging online gaming platform with a diverse range of games, including progressive jackpots, video poker, and speciality games. The casino also offers an exciting sports betting platform, catering to all player preferences, be it casino games or betting markets.  Despite only being on the casino scene since 2022, Northstar Bets has built an excellent reputation. 

    The site presents a sleek interface design and efficient mobile compatibility, ensuring seamless gameplay across devices. The casino’s customer service is responsive and knowledgeable. However, the bonus terms and conditions might be less favorable compared to competitors. Overall, Northstar Bets provides a reliable and enjoyable online casino experience. Create an account with Northstar Bets Casino today to enjoy these incredible features and claim lucrative bonuses. 

    Pros Cons ❌
    Incredible selection of game typesNo loyalty program
    Reliable licensing and regulation
    Superb custom support service

    Comparison of the Best Online Casinos in Canada

    CasinoWelcome BonusBonus Wagering ReqNo. of GamesApp Available
    Jackpot CityUp to C$160035x630+
    BetMGM100 Free SpinsNo Wagering500+
    Palmslots100% up to C$75035x1500+
    PlayOJOTBCTBC3000+
    Northstar BetsTBCTBC500+
    Spin CasinoUp to C$100035x600+
    TonyBet CasinoUp to $250050x3000+
    PinnacleTBCTBC300+
    888 Casino100% up to $100040x2000+
    Mr Vegas Casino100% up to C$20035x4000+

    Best Casinos for Mobile Users in Canada

    Our experts have specially selected the following brands as the leading Canadian online casino sites for mobile play. Thanks to its convenience and accessibility, mobile gaming has become increasingly popular in recent years. The following brands are compatible with both iOS and Android devices and offer fully optimized mobile apps and sites. 

    • Northstar Bets
    • Jackpot City
    • BetMGM 

    If you are wondering which of the best online casinos in Canada have mobile apps, then we have got you covered!

    CasinoMobile-Optimized SiteApp Available
    Jackpot City
    BetMGM
    Palmslots
    PlayOJO
    Northstar Bets
    Spin Casino
    TonyBet Casino
    Pinnacle
    888 Casino
    Mr Vegas Casino

    Best Canadian Casinos for Blackjack 

    The best Canadian casinos for blackjack include Palmslots, Playojo, and Jackpot City Casino. These casinos offer a variety of blackjack tables, ranging from low to high stakes, with professional dealers and excellent service. Additionally, they provide a secure and thrilling environment for blackjack enthusiasts.

    • Palmslots
    • Playojo
    • Jackpot City

    Best Casinos in Canada for Roulette

    The best Canadian casinos for roulette include Northstar Bets, Playojo, and BetMGM. These platforms offer a variety of roulette games, both virtual and live dealer options, ensuring an authentic experience. They are licensed, and secure, and provide attractive bonuses, catering to both new and experienced players.

    • Northstar Bets
    • Playojo
    • BetMGM

    For more information on the best Canadian roulette sites, click here.

    What is the best real money casino in Canada?

    The best Canadian real money casinos offer a secure and engaging online gaming experience, featuring a diverse range of games like slots, table games, and live dealers. They provide attractive bonuses, reliable customer support, and seamless banking options, ensuring players enjoy both safety and entertainment while playing.

    • BetMGM
    • Playojo
    • Palmslots

    How Do Our Experts Rank and Review Online Casinos?

    When judging the best online casinos in Canada, our experts have several standards they hold every candidate. Here’s a look at the top criteria our experts use when reviewing online casinos:

    • Signup Bonus — The signup bonus should be generous enough to entice new players. They should also have reasonable wagering requirements so customers have a chance to withdraw them. 
    • Ongoing Customer Promotions — Casino bonuses should not stop at the welcome bonus. Ongoing promos give players a reason to keep returning to the same site instead of hopping between different ones. 
    • Mobile Compatibility — Nowadays, online casinos must offer decent mobile compatibility. We at least want a good mobile web browser page, but we prefer to see dedicated apps. 
    • Payment Methods — More payment options mean more customers can use an online casino. However, we value safety over quantity and want to know that each method is secure.
    • Variety of Games — There is no point in an online casino that does not have a good collection of games. We like this to include slots, table games and live dealer titles so players have plenty of options. 
    • Reputation and Customer Feedback — Looking for customer feedback on online casinos can be like treading a minefield, but we still look at the consensus for a casino site. A casino site with consistently good reviews is something special. 
    • Safety and Security — We expect SSL encryption security to be employed across the whole site. User data safety will always be paramount. 
    • Customer Support — There should be multiple points of contact for the customer support service, and the aid should be responsive, friendly and useful. 
    • Terms and Conditions — This dense page of text often hides hiccups that inconvenience users, like withdrawal fees, transaction limits, or even actions that could have your account suspended or deleted. So, we check through these before recommending a site to at least warn readers.

    How to Sign Up to an Online Casino Site?

    If any of our top choices have caught your eye, you will be pleased to know that signing up for a new online casino is easier than ever! You can be finished in minutes. Just follow these simple steps, and you’ll be playing in no time:

    1. Choose an Online Casino

    casino icon

    Pick the online casino you want to sign up for and use our link to reach the welcome page.

    2. Click Join Now

    join now icon

    Click the ‘Join Now’ or similarly labelled button to begin registration. 

    3. Enter Personal Details

    enter your details icon

    Enter your account details — this will include personal information like your name, date of birth, address and contacts. 

    4. Enter Promo Code

    promo code icon

    If your welcome bonus requires it, don’t forget to input the promo code before you finish registering.

    5. Make Your First Deposit

    make a deposit icon

    Make your first deposit from the payments tab in your account — ensure you deposit enough to meet the bonus minimum.

    6. Claim Your Welcome Bonus

    claim your welcome bonus icon

    Redeem your welcome bonus; you may have to wager some of your deposit first. This will either be credited directly to your balance, or you will have to claim the funds from the promotions tab. 

    7. Have Fun!

    have fun icon

    Have fun playing! Be sure to meet the wagering requirements for your bonus and get your account verified as soon as possible. 

    Popular Canadian Online Casino Games 

    You can play many different games at the best online casinos in Canada. Here’s a rundown of some of the most popular games to play at online casinos in Canada, and how each of our recommended casinos stands up for each category.

    CasinoBlackjack GamesRoulette GamesPoker GamesLive Games
    Jackpot City40+20+15+70+
    BetMGM30+15+20+50+
    Palmslots25+10+10+60+
    PlayOJO50+30+20+80+
    Northstar Bets20+15+10+40+
    Spin Casino35+20+15+55+
    Tonybet Casino40+20+15+75+
    Pinnacle10+5+5+30+
    888 Casino45+25+25+90+
    Mr Vegas Casino50+30+30+100+

    Online Slots

    Online slots are the star of the show at online casinos, with many of the top sites featuring hundreds of slot titles — sometimes even thousands! Online slots change up a lot depending on the theme and developer, so take a look at a range to find the ones that suit you. Some top developers we recommend you check out are NetEnt, Pragmatic Play and Hacksaw Gaming. 

    Blackjack 

    Blackjack is one of the the most popular card games in the world, and you will always find a game or two at any online casino worth its salt. Even better, you might come across interesting variations like surrender or lightning blackjack. One of the features players like best about blackjack is the RTP of 99.5%, sitting as one of the highest return games available at casinos. 

    Roulette

    Roulette is a classic table game where you bet on where a ball will land on a spinning wheel. The number of pockets changes between different variations, which also affects the RTP. The most popular versions of roulette are American and European, and you can usually find both at the top online casinos in Canada. Other popular versions include French and Arabic roulette. 

    Poker

    Poker is the quintessential gambling game, and you can be confident you’ll find at least a few poker titles available at the top online casinos. You will commonly find Texas Hold’em, as it’s the most popular variation, but stud poker and other themed variations are not uncommon. Poker playing online is a different experience from playing at the table, so even if you are a poker veteran, online poker might bring you a whole new experience. 

    Not to be confused with regular poker, another popular game type is video poker. It is more like a slot machine that uses poker as a foundation to build the game mechanics. The game deals you cards, and you want to get the best hand possible for a higher payout. 

    Live Dealer Games

    Live dealer titles continue to grow in scope and popularity as technology advances and the games become more widely available. A live dealer game lets you play online with a human dealer, interacting with them through a live stream. You can also chat with other players and enjoy a game that’s a little closer to the brick-and-mortar experience. Most online casinos in Canada feature a range of live dealer games nowadays, and some will host them on a separate site page from the regular casino, even granting them unique promotions. 

    Craps 

    Craps is a less common game to find at Canadian online casinos, but it is still a popular choice with users. It’s a game where you bet on the outcome of a dice roll. It is popular in person, thanks to the game’s interactive nature, with players taking turns to roll the dice and betting on the physical table. But online, this is naturally lost. Still, the core gameplay is maintained, and craps offer a unique betting experience thanks to the diversity of wagers and fluctuating RTP. 

    Types of Bonuses Available at Online Casinos

    One of the biggest advantages of playing at an online casino is the plethora of promotions available. These can help you stretch every dollar to its limit, and sometimes, you do not have to do a thing except log in or click a button. Here is a rundown of some of the most popular bonuses you will find available at online casinos in Canada.

    No Deposit Bonuses

    The best kind of bonus you can find is the no-deposit bonus. These are bonuses you can claim without needing to put any money down. In most cases, they are distributed via welcome promos, where you just have to sign up for the site, or log-in bonuses, which reward you with free spins or the chance to win in prize pools just for returning to the site. The main drawback to no-deposit bonuses is their high wagering requirements — you usually can not withdraw any winnings made with these bonuses until you have used their value many times, sometimes as many as 60. 

    Deposit Bonuses

    A deposit bonus is a bonus you claim by making a deposit. This is the most common welcome deal at online casinos, where you will receive a bonus reward for making your first deposit. However, casinos may also apply them on a weekly or daily basis as a reload bonus. You’ll sometimes see these called deposit match bonuses, and this is a specific type of deposit bonus where you receive a value of bonus funds equal to a percentage of the amount you have deposited. This can be more or less than your deposit, but the value will always scale with however much you deposit. 

    Low Deposit Bonuses

    A low deposit bonus is a bonus you can claim with a smaller initial deposit. While a hefty deposit match bonus might expect you to deposit $100 to claim a further $100 in bonus funds, a low deposit bonus is for those who want to put $10 in to collect some free spins or a small, fixed-value bonus. A significant benefit to low deposit bonuses is that thanks to the small values, the wagering requirements are often much more reasonable.

    $1 Deposit Bonuses

    In particular, a $1 deposit bonus is one that you can get by making the smallest possible deposit at an online casino. They are really uncommon because many online casinos do not even take deposits this modest. However, the purpose of these incentives is typically to accommodate a wider range of budgets rather than to be claimed at these tiny amounts. They probably provide a set bonus amount, such as $10 in bonus money or many free spins. Nevertheless, for the same reasons as no-deposit bonuses, $1 deposit bonuses frequently have extremely high wagering requirements.

    Free Spins 

    The easiest online casino bonus to understand is free spins. These are given out frequently at online casinos in all sorts of deals, including welcome bonuses, log-in bonuses and loyalty programs. You use free spins on select slots across an online casino — usually just one specific game, but occasionally more. They are worth a fixed amount, often a fraction of a dollar, and you must wager them a lot before you can withdraw any winnings. However, they are the easiest bonus to obtain and use. 

    If you want to know more about real money casinos in Canada and what bonuses you can take advantage of, click here.

    Online Casino Payment Methods 

    You can use many different payment methods for your transactions at the best online casinos. Here’s a look at some of the most popular options you will come across:

    • Interac — The most popular transfer option for Canadian consumers is Interact, which is offered by all of the top merchants. It tends to have minimal transaction minimums and will protect your data. Withdrawals only take up to 48 hours, and deposits are instantaneous.
    • PayPal — Like Interact, PayPal is a popular e-wallet that is available everywhere. It is a safe way to deposit money at casinos without providing your personal information to the casino. While PayPal deposits are quick, withdrawals may take up to 48 hours.
    • Visa — The most widely accepted credit/debit card is Visa, and you can find it supported at most online retailers. Deposits are usually instant, but withdrawals can take up to 5 business days. Visa also is not the most secure payment option, as the site has access to your card details. 
    • Mastercard — Mastercard is another popular card brand that is accepted at most online casinos. It has the same functionality as Visa but does not always accept withdrawals. 
    • Paysafecard — the most popular prepaid card brand for online gambling is Paysafecard. It is accepted at many (although not all) online casinos and is great for people looking to monitor their budgets. Deposits with Paysafecard are supported at very small amounts but cannot support withdrawals.
    • Trustly — Trustly is an online banking service that, in contrast to PayPal, enables you to make secure transactions directly from your bank account without using a card. It is not a common strategy, despite the fact that it is not unique. While deposits can be made instantaneously, withdrawals may take up to 48 hours.
    • Bank Transfer — The most dependable method of sending money to an online casino is through direct banks transfers. They are virtually impervious to fraud, which is why online casinos adore them. DBT can manage large amounts of money, but at the expense of a sluggish transaction speed and occasionally fees. A DBT withdrawal may not be processed for up to seven working days.
    • Bitcoin — The most widely used token is Bitcoin, and more and more people are using cryptocurrencies. The majority of trustworthy online casinos do not take cryptocurrencies, even if transactions can be handled quickly. We suggest casinos that specialize in cryptocurrencies if you wish to use it.

    Want to know which of our recommended online casinos accept the above payment methods? Check this out.

    CasinoInteracPayPalVisaMastercardPaysafecardTrustlyBank TransferBitcoin
    Jackpot City
    BetMGM
    Palmslots
    PlayOJO
    Northstar Bets
    Spin Casino
    Tonybet
    Pinnacle
    888 Casino
    Mr Vegas

    Frequently Asked Questions (FAQs)

    Are online casinos legal in Canada?

    Yes, be sure the casino where you are playing is authentic. To learn more, click the link above.

    Which Canadian casino has the best payout?

    One of the casinos with the biggest jackpots is Jackpot City. For additional information and a list of other casinos, click on the aforementioned website.

    Are online casinos safe for Canadian players?

    Only the greatest online casinos offer their players the highest levels of security. Check out the list we have provided above to find the safest casinos online and save time. Every casino has a license to guarantee the safety of your funds and private data. Learn more now.

    Which casino is the most trustworthy?

    Here, clients can select from a number of the most reputable online casinos. Every casino on our website has a license to demonstrate their legitimacy and ensure the security of your funds and private data while you are online. To learn more, click the link above right now.

    Can I Play Online Casino Games for free in Canada?

    You must deposit money in order to be eligible to win at a casino. With welcome bonuses that boost your chances of winning by giving you extra money or free spins, you can get the most out of your investment. Find out more about it now.

    DMCA.com Protection Status
    DISCLAIMER: Gambling involves risk and you must not gamble with funds you can’t afford to lose. It’s not a solution to any financial difficulty. Remember, the house always wins!

    If you believe you’re suffering from a gambling addiction or know anyone who does, call the National Gambling Helpline at  01-626-960-3500 right away. Their advisors can help make gambling safe for you.

    All gambling sites and guides are 18+ only. Online casinos listed here may not be available in your region. Don’t forget to check local laws to make sure it’s legal where you’re based.
    Check out the free gambling addiction resources from these organizations.

    http://www.gamblersanonymous.org/ga/
    http://www.responsiblegambling.org/
  • Canadians aged 55+ will impact all generations with living legacy gifts (but could suffer if they don’t make wise retirement decisions)

    Canadians aged 55+ will impact all generations with living legacy gifts (but could suffer if they don’t make wise retirement decisions)

    Turns out 2025 promises to be a big year for Canadians aged 55 or older. According to HomeEquity Bank, Canadians nearing or in retirement are actively looking for ways to create stable and purpose-led lives when it comes to financial planning and the primary tool of choice: their home.

    "Despite financial headwinds, Canadians aged 55 or older are taking an active role in creating stability and purpose in their lives by finding new ways to connect with family, and continuing to pursue independence, dignity and empowerment in 2025," explained HomeEquity Bank President and CEO Katherine Dudtschak in a recent statement. "Following a period of extended inflation and increased monthly expenses, we see a desire amongst Canadian homeowners 55 [sic] or older to explore new ways to access the savings in their homes to achieve their goals."

    Dudtschak and her colleagues at HomeEquity Bank offered five predictions for 2025 when it comes to Canadians aged 55 or older — and the biggest beneficiaries will be adult children and grandchildren.

    Changing approach to legacy gifts

    According to HomeEquity Bank analysts, the biggest change coming in 2025 is the way older generations will approach legacy gifts and gift-giving. The older generation realizes that their younger counterparts will benefit more from financial help now rather than down the line, explains Dudtschak.

    For example, over half (53%) of Canadian homeowners aged 55 and above have gifted a significant amount of money to their adult child or grandchild. Drilling down further and more than half (55%) of those gifts were valued at $25,000 or more. If this continues, then "living legacy" gifts will become the most popular form of inter-generational wealth transfer — beating out money to pursue educational pursuits, wedding gift or money for a first home.

    While many children and grandchildren are grateful for the financial aid offered by grandparents, older Canadians need to be mindful of how specific loan types can impact their current living costs and their future lifestyle aspirations. For instance, there was a 16% increase in new reverse mortgage holders using funds for living legacy gifting purposes. While this is generous, older Canadians need to be clear how these more-expensive debt options will impact their current budget or their future beneficiaries.

    Rise in ‘skip-gen’ bonding

    While living legacy gifts — significant financial gifts made while the parent or grandparent is still alive — so is the emphasis on family bonding. While travel with adult children continues to be important, more grandparents have "skip-gen bonding" experiences, where grandparents travel with younger relatives (and without adult children chaperones).

    However, there is a darkside to this trend. Over the last four years (since 2021), there’s been an 86% increase in new reverse mortgage holders who took out this type of equity loan in order to pay for travel with their Gen Z and Gen Alpha grandchildren. According to HomeEquity Bank analysts, this trend is expected to increase in 2025 — with grandchildren the biggest beneficiaries.

    House rich Canadians’ new approach

    According to Ipsos, the number of Canadians 55 and up who are considered house rich, cash poor – defined as less than $50,000 in investable assets and own a home with at least $400,000 in equity – has increased by 66% since 2021 to 2.66 million. For many in this situation, this means a whole lot of money that could be used to enhance your standard of living is locked into the value of your property.

    Another issue is how the rising cost of living has impacted older Canadians on a fixed income. In 2025, more than 1.2 million mortgages up for renewal — and a portion of these renewals are for older Canadians who may already feel the pinch of a limited budget. Faced with significantly larger payments at renewal time, HomeEquity Bank expert predict an increasing reliance on reverse mortgages as an alternative. This helps keep monthly costs to a minimum, while allowing older Canadians to age in place.

    — with files from Romana King

    This article Canadians aged 55 or older set to significantly help younger generations—but need to make wise living legacy decisions originally appeared on Money.ca

    This article provides information only and should not be construed as advice. It is provided without warranty of any kind.

  • Most Canadian companies are bullish on hiring in 2025

    Most Canadian companies are bullish on hiring in 2025

    Almost three-quarters (71%) of Canadian companies are positive in their hiring outlook for 2025. This is according to a new survey from the Express Employment Professionals and The Harris Poll.

    “There is a lot of optimism in the market going into 2025,” Brent Pollington, an Express franchise owner in Vancouver, said in a statement.

    “The positive outlook seems to stem from a combination of factors including market conditions, perceptions of continued growth and the potential for lowering interest rates, among other things.”

    Express Employments Professionals is an international staffing company with offices in Canada, the US, Australia, New Zealand and South Africa.

    The 2025 hiring outlook

    The other outlooks are in line with the first half of 2024, with 39% of respondents feeling optimistic, 36% feeling confident and 35% feeling hopeful. At this time last year, 70% of companies felt positive about their hiring outlook.

    In addition, half of Canadian companies (51%) report plans to increase their employee count in the first half of 2025, while 41% plan to keep their headcount the same and only 8% plan to decrease their workforce.

    This is also similar to the first half of 2024, when 49% planned to increase their employee count.

    The primary drivers for increasing headcount include managing increased volumes of work (58%), filling newly created positions (45%), addressing employee turnover (38%), getting expertise in new areas (26%) and handling expansion into other categories or markets (26%).

    Optimism balanced with challenges

    Interestingly, while these drivers remain similar to last year, there has been a significant rise in the number of companies who are increasing their employee count to manage work caused by artificial intelligence concerns, from 10% in the first half of 2024 to 18% now.

    “The cost per employee for businesses has drastically increased,” said Pollington. “Worker expectations, market factors, minimum wage hikes, increased demands for benefits and perks, retention strategies, turnover costs and the time and resources needed to train new employees have all driven these costs higher.”

    “Companies are also dealing with the lack of skilled workers in the market which has forced them to focus more on training and development, as well as long-term succession planning. Employers are spending significant time and energy solving these issues.”

    Survey methodology

    The Job Insights survey was conducted online within Canada by The Harris Poll on behalf of Express Employment Professionals between November 11 to 26 of this year, among 505 Canadian hiring decision-makers.

    This article Most Canadian companies are bullish on hiring in 2025 originally appeared on Money.ca

    This article provides information only and should not be construed as advice. It is provided without warranty of any kind.

  • How student loan forgiveness works in Canada and the best ways to pay down your student loans

    How student loan forgiveness works in Canada and the best ways to pay down your student loans

    Student loans are often the first debt accrued by young Canadians with the average student loan at graduation for a Bachelor’s degree being $30,600 in 2020, according to Statistics Canada.

    What’s more, the total amount of student debt totals a whopping $23.5 billion. Women make up the majority (59%) of borrowers. Suffice to say, paying down student loans is a right of passage for many Canadians.

    But managing your student loan isn’t just about paying off your debts. It’s also about beginning your journey to financial literacy.

    Part of this puzzle is understanding how student loan forgiveness works in Canada.

    Does Canada forgive student loans?

    Canada has specific circumstances where student loans can be forgiven, but in general, once you take out student loans, you’re locked into a repayment plan.

    However, this repayment plan can be adjusted through Repayment Assistance Plan (RAP) after you graduate. A RAP allows you to:

    • Not pay interest on the federal part of your loan
    • Have the principal and interest paid off after 60 months or 10-years after graduation

    Those on disability may be able to apply for a Repayment Assistance Plan for Borrowers with Disabilities (RAP-D).

    Who is eligible for student loan forgiveness in Canada?

    In Canada student loan forgiveness is limited to medical professionals and reservists.

    However, those studying medicine need to compromise to get their loans repaid. You’ll need to work in a rural area with a population of no more than 30,000. To be eligible you’ll also need to have been employed for at least one year and have provided 400 hours of in-person service to this community, with some exceptions.

    Doctors can receive a maximum of $60,000 over five years, while nurses or nurse practitioners can receive up to $30,000 over the same time period.

    Meanwhile, reservists who are full-time post-secondary students are exempt from paying back student loans while serving in a designated operation. This includes operations that last more than six months.

    But there are still some other ways to get your loans under control.

    Provincial Loan Forgiveness Programs

    RAP and RAP-D cover almost all provinces and territories in Canada. There are, however, a few exceptions.

    British Columbia: Student Loan Forgiveness Program

    Student loans in BC are administered by the provincial government. BC’s student loan forgiveness program offers a wider range of applicable professions. Rather than doctors and nurses, it also includes physiotherapists and some in-demand specialists in children’s medicine.

    Likewise, BC offers forgiveness programs for working in remote areas with small populations.

    As this is an exhaustive list, we suggest taking a look at the BC Loan Forgiveness Program if it applies to your situation.

    Québec: Loan Remission Program

    Québec’s Loan Remission Program drives down student loan debt by 15% provided you graduated on time and received a bursary each year that you were studying.

    This applies to both technical and university programs. You can apply for this 15% windfall up to three years after the end of your program.

    PEI Debt Reduction Program

    PEI’s Debt Reduction Program seeks to encourage graduates to work in island communities through forgiveness incentives.

    The program applies to post-graduate students who have received a degree within the last three years, borrowers from the PEI student loan program, and PEI residents. In all cases you need to have lived on PEI for at least 6-months post graduation to get the loan.

    Since August 2, 2018 PEI allows $3,500 per year in aid.

    Nova Scotia Student Loan Forgiveness Program

    Meanwhile, graduates in Nova Scotia may also qualify for loan forgiveness depending on your graduation date. The upper limit is five years of forgiveness totalling up to $20,400. Even better, the Nova Scotia Student Loan Forgiveness Program is automatically assessed for all new graduates.

    Unlike other forgiveness programs you should automatically receive a letter indicating whether you qualify. For more information, check out the program’s landing page.

    Ways to pay less on your student loans

    There are two primary ways to pay less on your student loans.

    First up, you can reduce your monthly payment amount. This would in turn make it take longer to pay for your loan, but give you temporary breathing room.

    The second option is to make interest-only payments. This can lead to paying more in the long run.

    Other options include the hard work of budgeting, or compromising on your living situation. You can also check out ways to build credit without a credit card and low interest loans to temporarily boost your finances.

    Overall, paying down your student loans as aggressively as possible is often the best bet.

    Conclusion

    Overall, student loans in Canada have much stricter write off conditions compared to student loans in the United States.

    For instance, in the US, student loans can be written off or discharged, based on your type of employment, disability status and for breaches of legal trust (e.g. being misled by a university on matters of qualification or due to forgery).

    As with most loans, the best course of action is to pay them down early and as aggressively as possible.

    FAQs

    Do student loans get written off in Canada?

    Student loans in Canada are only ever written off under extreme circumstances like bankruptcy.

    If you choose to declare bankruptcy to discharge your student loans you must do so at least seven years after graduation in most cases. Even then, your debts will only be discharged for a good reason. You’ll need to prove:

    • You used your loan responsibly
    • Made every effort to complete your eduction
    • Utilized other repayment methods (e.g. Repayment Assistance Plans)
    • Acted in good faith with the intention to pay back your debts

    After a court confirms your bankruptcy, your credit will take a major hit, you’ll likely be barred from taking out loans for some time and you’ll be issued a new repayment plan. Recovering from bankruptcy can easily take a decade.

    Do student loans go away after 10 years in Canada?

    In short, no. Student loans persist until repaid in Canada unless you take action.

    However, if you’re struggling with repayment there are some options. Canada offers a Repayment Assistance Plan (RAP) and Repayment Assistance Plan for Borrowers with Disabilities (RAP-D). If you’re struggling to make payments post graduation you should immediately apply for either RAP or RAP-D depending on your circumstances.

    Note that you’ll need to re-apply every six months to maintain your eligibility.

    How to get rid of student loan debt in Canada?

    The best way to get rid of student debt is to proactively look into RAP and RAP-D as soon as you graduate, provided you qualify.

    Sometimes you study a field that undergoes job market contractions, have to take on family debt due to a death, or end up ill in a way that reduces your day-to-day capability, like with long-COVID.

    No matter the reason it’s important to find a way to keep paying your debt down to avoid becoming overwhelmed by interest payments post graduation.

    Sources

    1. Statistics Canada: Student debt from all sources, by province of study and level of study

    2. Government of Canada: Repayment Assistance Plan – Apply

    3. Government of Canada: Repayment Assistance Plan – Disability assistance

    4. Government of Canada: Repayment Assistance Plan – Disability assistance

    5. Government of Canada: Financial assistance for reservists

    6. Student Aid BC: B.C. Loan Forgiveness Program

    7. Quebec: Remission of your student loan debt

    8. Prince Edward Island: The Debt Reduction Grant Program

    9. Nova Scotia: Nova Scotia Student Loan Forgiveness Program: undergraduate degrees

    This article How student loan forgiveness works in Canada and the best ways to pay down your student loans originally appeared on Money.ca

    This article provides information only and should not be construed as advice. It is provided without warranty of any kind.

  • 8 car insurance myths that are way off track: What will actually cost or save you money?

    8 car insurance myths that are way off track: What will actually cost or save you money?

    Drivers across Canada are legally required to carry auto insurance but that doesn’t mean getting or understanding auto insurance is easy. Unfortunately, there are many myths and misconceptions surrounding car insurance. What’s worse is that buying into popular misconceptions can be costly, especially for first-time drivers new to the auto insurance shopping experience.

    To help, here are eight common car insurance myths that are completely debunked. Consider this a first step in building the confidence required to buy a car and get insurance that fits your goals and budget.

    Myth #1: Red cars more expensive to insure

    One of the most persistent myths about car insurance is that red vehicles cost more to insure. It’s just not true.

    In fact, none of the information you give your insurer — such as your car’s make, model, year and vehicle identification number (VIN) — tells them the colour of your car.

    However, your car’s make, model and year definitely impact your insurance rates, as does the price paid for the vehicle (or the Blue Book value), along with the vehicle’s overall safety record. Believe it or not, the cost to repair the car after an accident also impacts your rate, so it pays to learn a thing or two about a vehicle before you commit to driving it home.

    Another factor that heavily influences your car insurance rate is your personal driving record, along with how you use your car and where you park it on a regular basis.

    Myth #2: My credit score isn’t important when calculating my insurance rate

    Most insurers use a credit-based insurance score to calculate your premiums, so your credit score can play a role in how much you’ll pay. This varies by province, but Newfoundland and Labrador, as well as Ontario have banned insurance companies from using an individual’s credit score as a factor in the calculation of an auto insurance policy. That said, if you have poor credit and live in any of the other provinces or territories, expect your premium to capture and reflect your credit score.

    Myth #3: Insurance is cheaper on newer cars

    Is it less expensive to insure new vehicles? It’s actually the opposite, since these cars cost more to repair and have higher replacement values than used cars. Since it will cost the auto insurance provider more money to buy a part for a new car or replace a damaged or stolen vehicle that is newer, the insurance tends to be cost more.

    How much will my insurance go up with a new car?

    On average, insurance on a newer vehicle will cost you between $100 to $200 more, per year, than on a used counterpart. However, the exact insurance cost will vary with each insurance provider, so it is helpful to compare rates before making a decision.

    One way to reduce the premium is by choosing a new car with a high safety rating. Another good strategy is to equip the vehicle with anti-theft devices, such as security systems.

    Myth #4: Older drivers cost more to insure

    It’s actually the opposite. Because drivers over the age of 55 tend to drive less and are generally safer drivers, many insurance companies will offer them discounted rates on auto insurance. They also tend to drive vehicles with better safety records such as sedans, minivans and SUVs.

    Once you retire and are presumably using your car less, insurance providers often give discounts to retirees. If you’re a safe driver approaching your golden years, talk to your insurer about how they can help you stretch out your retirement income with a lower rate.

    Myth #5: Couples are more expensive to insure

    Premiums can be lower for those in committed relationships that are living under the same roof. Insurers tend to think that this cohort is less risky than a single person. Why? Because those in long-term relationships and part of family households typically participate in less risky behaviour, like speeding or driving drunk.

    In theory, the more committed you are to other people — like caring for children — the less risk you take in all areas of your life, and this translates into lower car insurance premiums. Another reason why couples often find cheaper car insurance is because of their age. Statistically speaking, as we age we tend to reduce risky behaviour. Since the average age to get married in Canada is between the ages of 30 and 31, this means that couples are typically older and less prone to risky behaviour — the biggest factor in higher car insurance premiums.

    It’s also why teen boys are slapped with some of the highest car insurance premiums. Statistically speaking, this age and gender cohort is most likely to pursue risky behaviour behind the wheel of a car.

    Myth #6: Accidents and tickets affect my car insurance rate forever

    You may be relieved to know that tickets only stay on your driving record for three years and accidents for six years. If you keep a clean record for the rest of that period, you should be back to more affordable premiums in no time. However, if you get a ticket or end up in an accident, your rates will probably rise until the third of sixth year anniversary of the event. For this reason, it’s a good idea to minimize any behaviour that could lead to a ticket, moving violation infraction or fine.

    To minimize the impact of an unforseen accident, you can opt for accident forgiveness on your policy. This benefit means that your first at-fault accident won’t impact your premium in the short-term, as long as there are no injuries.

    Myth #7: Two-door cars more expensive to insure

    Two-door cars do not factor into how a premium is decided by insurance providers. What does factor into calculating insurance premiums is a vehicle’s:

    • claims history
    • likelihood of the vehicle being stolen
    • the vehicle’s accident frequency
    • as well as repair and replacement costs

    Myth #8: All car insurance companies have similar rates

    While most carriers may offer very similar types of coverage, the premiums they charge vary from company to company.

    This is because insurers group similar risk characteristics with similar risk groups. Some risk group members may never file an actual claim, while others may make many claims.

    If your risk group was responsible for multiple claims with a particular carrier, that company’s premiums may be higher than one with a different experience.

    Experts recommend you review at least three different companies’ quotes before selecting an insurance policy. You’ll find there’s actually a whole range of different policies at varying price points, and can lead you to finding better rates on your car insurance.

    The best way to save is to shop around before you settle on the right policy for your needs and budget. There are plenty of sites that provide price comparisons to understand what options are available from a variety of carriers, like YouSet, a online insurance brokerage that leverages smart technology to streamline insurance shopping without the need for agents. With YouSet, you can hunt for auto insurance quotes and quickly compare and purchase policies from multiple insurers. On average, YouSet customers save up to 29% on their insurance through the company’s tailored matching system, while bundling home and auto insurance can lead to further savings.

    To start saving, check out the fast and simple comparison tools found at YouSet.

    Bottom line

    Insurance can be difficult to understand, especially for people seeking out a policy for the first time. However, it is important to know that insurance is not a one-size-fits-all solution. Customization is crucial to get the perfect coverage that suits your individual needs and will protect you when life throws unexpected hurdles. Lastly, make sure to weigh your available options to make sure you’re not overpaying on car insurance.

    — with files from Sigrid Forberg and Romana King

    This article 8 car insurance myths that are way off track: What will actually cost or save you money? originally appeared on Money.ca

    This article provides information only and should not be construed as advice. It is provided without warranty of any kind.