Payment Methods at Richroyal: A Cashier Guide for Readers in Germany

This portal is not an operator and sells nothing. It documents how the cashier of the Richroyal platform behaves for someone paying from a German bank account, and it holds every observation against the rules the German legislator wrote for gambling money. Those two things are not the same, and the gap between them is the whole point of the page. Below you will find the routes the cashier lists, the amounts it accepts, the clocks that run on a payout request, and the specific protections that stop applying the moment a reader funds an account outside the German permit system.

What the German framework demands of money flowing into a gambling account

The Glücksspielstaatsvertrag of 2021, in force since 1 July 2021, was the first German rulebook to allow virtual slot machines nationwide, and it attached a financial apparatus to that permission. Supervision sits with the Gemeinsame Glücksspielbehörde der Länder in Halle an der Saale, which has exercised its full remit since January 2023 and publishes the whitelist of permitted anbieter. That register is the only checkable answer to the question of whether a platform is licensed in Germany; a badge in a page footer is not.

Attached to the permit is LUGAS, the cross-operator limit and activity file. Every whitelisted anbieter has to query it before accepting a deposit, because a single monthly ceiling of 1.000 € is shared across all German-licensed platforms together. Raising that ceiling requires a documented affordability check. LUGAS also blocks parallel sessions, so a player cannot have two German accounts open at the same moment. Richroyal appears on none of this. It operates under a licence issued elsewhere in the European Union, which means the shared ledger never sees a euro that goes there.

Routes the cashier lists and what each one costs in time

Route	Minimum deposit	Payout	After release	Guide
Trustly (open banking)	10 €	yes	up to 3 hours	Trustly guide
Skrill and Neteller	10 €	yes	up to 3 hours	Skrill guide
paysafecard	10 €	no	return via SEPA or Skrill	paysafecard guide
Visa	10 €	limited	bank dependent	Visa guide
Mastercard	10 €	limited	bank dependent	Mastercard guide
SEPA transfer	15 €	yes	1 to 3 banking days	SEPA guide
Bitcoin	about 25 €	yes	network dependent	Bitcoin guide
USDT and Litecoin	about 25 €	yes	up to 6 hours	Crypto guide

Sofortüberweisung by Klarna and Giropay appear in the same list where a German bank supports them. PayPal does not, and no cashier in this segment can offer it: the company withdrew from German gambling processing years ago, so its absence says nothing about a particular platform.

Thresholds, the weekly ceiling and the 5,3 percent stake tax

The account is denominated in euro. The smallest top-up is 10 € on the wallet and card routes, 15 € over SEPA and roughly 25 € in crypto, where the network fee sets the practical floor. The smallest payout is 15 €. Above that, the cashier states a ceiling of up to 4.000 € per week, which does not confiscate anything larger but splits it into weekly instalments.

One number that never shows up as a line item deserves attention. German law levies 5,3 percent on the stake of every virtual slot spin, and the same rate on the stake of a sports bet. Whitelisted operators pay it to the tax office and price it into the spin or the odds. A platform outside the whitelist does not pay it, which is one reason its prices can look friendlier and also a reminder that the reader is standing outside the German system entirely. The wagering rules interact with this: a bonus turns over at 40 times its amount within 14 days, with a 5 € cap on the stake of any single round while it is active.

How a payout request actually travels

A request passes two clocks in sequence, and confusing them is the usual reason a reader thinks something has gone wrong. The first is the operator review, stated at up to 24 hours, extending to 48 hours for the very first payout because identity documents are checked alongside it. The second clock starts only after release and belongs to the route: Skrill and Trustly settle in about three hours, SEPA needs one to three banking days, USDT and Litecoin usually confirm inside six hours, and a card refund travels at the pace of the issuing bank. The step-by-step version lives on the withdrawal page, and the mirror-image process on the deposit page.

The safeguards that stop at the border of the whitelist

A German permit is not only a licence number. It carries a package: a hard 1 € cap on the stake of a single slot spin, a mandatory five-second gap between spins, a ban on autoplay, a ban on jackpots in virtual slots, a panic button that locks the account for 24 hours at one press, and connection to OASIS, the nationwide blocking register administered by the Regierungspräsidium Darmstadt, where a self-exclusion runs for at least three months and reaches every licensed casino, arcade and bookmaker at once. None of that package is present outside the whitelist. What remains are the tools the operator chooses to offer voluntarily, described on the self-exclusion page, and the reader own discipline. Anyone who wants the statutory version has to use an anbieter that appears in the GGL register.

Verification, fees and the currency question

Identity checks are not optional anywhere in the European Union. Anti-money-laundering law obliges any licensed payment recipient to establish who is being paid, so an identity document, a recent proof of address and, for card deposits, an image of the card with the middle digits hidden are the standard set. Uploading them right after opening an account rather than on payout day is what keeps the 24-hour review from becoming a week. The operator states no charge of its own on either direction; what a reader may still pay is the cost of the route, meaning a crypto network fee or a bank charge on a transfer. Because the balance is held in euro, a German account holder avoids conversion in both directions entirely, which is not true for anyone funding from a non-euro card.

Questions and answers

What is the smallest amount the cashier accepts?

The floor depends on the route. Trustly, Skrill, paysafecard and cards start at 10 €, a SEPA transfer starts at 15 €, and a crypto transfer needs roughly 25 € because the network fee has to be covered. A bonus is a separate matter: the promotional minimum is 20 €, so a 10 € top-up lands on the balance without the offer attached.

How long does a payout take from request to arrival?

Two clocks run one after the other. The operator reviews the request for up to 24 hours, and the very first payout, which includes the identity check, can take up to 48 hours. Once the request is released, Skrill and Trustly arrive within about three hours, SEPA needs one to three banking days, and USDT or Litecoin usually confirm within six hours.

Does the 1.000 € monthly deposit cap apply here?

No. That cap belongs to LUGAS, the cross-operator limit file that every anbieter on the GGL whitelist has to query before accepting money. Richroyal holds a licence from another EU jurisdiction and is not listed there, so no shared ledger tracks a reader across platforms. Only the operator own deposit limit applies, and it has to be set manually in the account.

Is there a ceiling on how much can be paid out?

The cashier states a limit of up to 4.000 € per week. A larger balance is not lost, it is released in weekly instalments until the amount is cleared. The floor is 15 €, which exists so that a payout is not eaten by the transfer cost of the route it travels on.

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Editorial responsibility for this section: Malte Brenninger, editor for gambling regulation and payments. Gambling is for adults aged 18 and over. Anyone who wants to check their own play can use the BZgA programme Spielen mit Verantwortung and its Check dein Spiel self-test, or a Suchtberatungsstelle in their own Bundesland. See also the responsible gambling page.