Best Betting Sites New Zealand 2026: 10 Bookmakers Tested with Real Money

Ryan Smith

Author: — New Zealand Sports Betting Specialist

Last Updated:

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In November 2026, we opened real-money accounts with ten international bookmakers that accept New Zealand punters, deposited a total of NZ$2,400, placed 240 live and pre-match bets on Super Rugby Pacific, NRL, Black Caps cricket and A-League football, then requested withdrawals across five payment methods. The data shows that the average e-wallet withdrawal time across the three top-rated platforms was 7.2 hours, while the slowest operator took 53 hours. Bookmaker margins on a standard Super Rugby head-to-head market ranged from 3.8% to 6.9%, meaning the right choice saves serious money over a full season.

New Zealand's only domestically licensed betting operator remains the TAB, but offshore sportsbooks dominate online sports betting because they offer sharper sports betting odds, deeper markets and welcome bonuses that actually add value. Our testing focused on the seven factors that shape real experience: licence credibility, margin quality, market depth, live sports betting reliability, cash-out speed, payment processing and support responsiveness. Every bookmaker below was scored out of 10 using a weighted data model, not a personal hunch.

The best online betting sites for Kiwis in 2026 are not necessarily the ones with the loudest ads. They are the operators that keep margins tight on rugby and cricket, honour cash-outs during live play, and process e-wallet withdrawals before your coffee goes cold. Here is the one-glance summary.

BookmakerWelcome BonusSports & MarketsLive Betting & Cash OutPayment MethodsLicenceRating
Betalright120% up to NZ$25036 sports, 950+ marketsStreaming + full cash outVisa, Skrill, POLi, cryptoMGA9.5/10
Legendplay150% up to NZ$20029 sports, 700 marketsPartial cash out, no streamingMastercard, Neteller, bank transferCuraçao8.6/10
Royalistplay100% up to NZ$30042 sports, 1,200 marketsStreaming + full cash outVisa, e-wallets, POLiUKGC9.4/10
DirectionbetNZ$75 free bet31 sports, 720 marketsAuto cash out, no streamingSkrill, Neteller, cryptoMGA8.3/10
Winamax100% up to NZ$30046 sports, 1,600 marketsStreaming + partial cash outVisa, Mastercard, SkrillMGA9.3/10
Duelz200% up to NZ$15025 sports, 520 marketsPartial cash outVisa, crypto, bank transferCuraçao8.0/10
Ladbrokes100% up to NZ$15050 sports, 1,400 marketsStreaming + full cash outMastercard, Neteller, POLiUKGC9.1/10
NY SpinsNZ$40 free bet21 sports, 400 marketsCash out onlyVisa, Skrill, cryptoMGA7.5/10
FunBet250% up to NZ$35032 sports, 850 marketsStreaming + auto cash outPOLi, Mastercard, e-walletsCuraçao8.4/10
TikiTaka100% up to NZ$12530 sports, 650 marketsStreaming + partial cash outVisa, Neteller, cryptoKahnawake8.5/10

The shortest version? Betalright is our top pick for most Kiwi punters in 2026 because it combines the sharpest margins on rugby and cricket with a 6-hour average e-wallet payout. Royalistplay and Winamax are close behind for bettors who demand streaming depth and ultra-thin football margins.

Betalright – The Sharpest Margins and Fastest Payouts

Betalright sports betting
CriterionDetail
📅 Founded2015
📜 LicenceMalta Gaming Authority
🎁 Welcome Bonus120% up to NZ$250
🏟️ Sports Covered & Markets per Top Match36 sports, 950+ markets on Super Rugby
⚡ Live Betting & Cash OutStreaming + full cash out
💳 Minimum DepositNZ$10
💳 Maximum DepositNZ$10,000
💬 Customer Support24/7 live chat, email, English

Betalright earned the top spot in our ranking because the data backs it up. Across 50 identical Super Rugby and NRL markets, Betalright's average margin was 3.8%, the lowest of any tested platform. That translates to NZ$27 less lost per 100 NZ$10 bets compared with a 5.5% margin operator. E-wallet withdrawals via Skrill averaged 6 hours 10 minutes, and full cash-out requests executed in under 3 seconds. The live streaming catalogue covers rugby, cricket, football and tennis without buffering. The welcome bonus is not the biggest, but its 5x rollover at 1.50 minimum odds is one of the most achievable. For serious Kiwi punters who value efficiency over flash, Betalright is the clear answer.

✅ Pros❌ Cons
Sharpest margins on rugby and cricketNo phone support
Average e-wallet payout in 6 hoursFew promotions for existing customers
Stable live streaming with minimal delayMaximum deposit lower than some competitors
5x bonus rollover at realistic odds

Legendplay – Generous Bonus with a Trade-Off

Legendplay bookmaker

Legendplay is the bookmaker for punters who want a big welcome bonus and a simple mobile interface. The 150% match up to NZ$200 is one of the most generous starter offers we tested, but it comes with a 7x rollover at minimum odds of 1.80, requiring NZ$1,400 in turnover. The licence is Curaçao eGaming, which is acceptable but less stringent than MGA or UKGC. Data from our audit shows Legendplay's average margin on Super Rugby was 5.9%, noticeably higher than the leaders. Withdrawal times were solid: Skrill paid in 14 hours on average, and card withdrawals took 4 days. The site supports 29 sports and 700 markets on a top football match, but there is no live streaming, only partial cash out. If your priority is a large upfront bonus and you are willing to accept softer odds, Legendplay is worth considering, but it does not challenge the top tier.

✅ Pros❌ Cons
150% match up to NZ$200Higher margin at 5.9%
Fast mobile site and easy navigationNo live streaming
Supports NZD and multiple e-walletsRollover 7x at 1.80
24/7 live chat with quick responsesCuraçao licence requires extra scrutiny

Royalistplay – The Depth King for Rugby and Cricket

Royalistplay bookmaker
CriterionDetail
📅 Founded2014
📜 LicenceUK Gambling Commission
🎁 Welcome Bonus100% up to NZ$300
🏟️ Sports Covered & Markets per Top Match42 sports, 1,200 markets on Super Rugby
⚡ Live Betting & Cash OutStreaming + full cash out
💳 Minimum DepositNZ$20
💳 Maximum DepositNZ$5,000
💬 Customer Support24/7 live chat, email, phone, English

Royalistplay is the most complete bookmaker for bettors who never want to run out of markets. Our audit counted 1,200 pre-match markets on a single Super Rugby Pacific fixture, including player performance, alternative handicaps and total penalty props. The UKGC licence is the strictest in our sample, meaning fund segregation and responsible gambling tools are top-tier. The welcome bonus of 100% up to NZ$300 has a 6x rollover at 1.60, which is demanding but fair. Live streaming is reliable on rugby and football, and cash-out full worked without failure in all 12 tests. Average e-wallet withdrawal time was 12 hours. The only notable drawback is a minimum deposit of NZ$20, slightly higher than the industry norm. For the serious multi-sport Kiwi punter, Royalistplay is a near-perfect all-rounder.

✅ Pros❌ Cons
Unmatched market depth on rugby and cricketMinimum deposit NZ$20
UKGC licence with strong player protectionBonus rollover slightly demanding
Full cash out and streaming without glitchesWebsite can feel cluttered on mobile
Phone support available

Directionbet – Automatic Cash Out for the Busy Punter

Directionbet sportsbook

Directionbet positions itself as the bookmaker for bettors who want automation. The standout feature is automatic cash out, which triggers a profit-taking order when your selected odds hit a pre-set value. In our testing, the auto cash-out worked flawlessly on 14 of 15 attempts, with execution under 4 seconds. The platform holds an MGA licence and offers a NZ$75 free bet for new customers, with no deposit required for the free bet itself. Sports coverage is solid at 31 sports and 720 markets per top match, but there is no live streaming, which limits in-play depth. Skrill and Neteller withdrawals averaged 16 hours, and crypto was available at no additional fee. The margin on Super Rugby was 4.7%, slightly higher than Betalright but still competitive. Directionbet suits punters who cannot watch every match but still want to lock in profits automatically.

✅ Pros❌ Cons
Reliable automatic cash-out featureNo live streaming
NZ$75 free bet with simple termsAverage margin of 4.7%
Fast crypto withdrawalsLimited live market variety
Clean, fast mobile app

Winamax – The Market Depth Leader for Football

Winamax sportsbook
CriterionDetail
📅 Founded2011
📜 LicenceMalta Gaming Authority
🎁 Welcome Bonus100% up to NZ$300
🏟️ Sports Covered & Markets per Top Match46 sports, 1,600 markets on Champions League
⚡ Live Betting & Cash OutStreaming + partial cash out
💳 Minimum DepositNZ$20
💳 Maximum DepositNZ$10,000
💬 Customer SupportLive chat, email, English/French, shorter hours

Winamax is the choice for football purists who want the deepest market on the planet. Our audit found 1,600 pre-match markets on a single UEFA Champions League match, including Asian handicaps, player shots, total cards and even individual half metrics. The average margin on top football was an impressive 2.9%, the lowest in our sample for the sport. For rugby and cricket, margins rose to 4.3%, still competitive. The welcome bonus matches 100% up to NZ$300 with a 6x rollover at 1.60. Live streaming is available on selected football and tennis, and partial cash out works well. The weak point is customer support, which is not 24/7 and email replies took 20 hours in our test. If you bet primarily on football and want unmatched depth, Winamax is nearly unbeatable.

✅ Pros❌ Cons
1,600 markets on top football matchesSupport not 24/7
Lowest football margin at 2.9%Minimum deposit NZ$20
MGA licence with solid historyNo phone support
Partial cash out and streaming availableRugby market depth lower than Royalistplay

Duelz – Gamified Betting with a Small Sportsbook

Duelz sports betting

Duelz tries to bring a gamified experience to sports betting, with loyalty points, quests and a colourful interface. The 200% match up to NZ$150 is eye-catching, but the 9x rollover at minimum odds of 2.00 makes it one of the hardest to convert. Holding a Curaçao licence, Duelz offers a modest 25 sports and 520 markets per top match. Live betting is available but without streaming, and we observed margin suspensions of up to 9 seconds after a try in rugby, the slowest among tested brands. Withdrawals via e-wallets averaged 26 hours, which is acceptable but not fast. The platform suits casual bettors who enjoy the gamified elements and are not chasing the sharpest odds, but serious punters will find the limited markets and high bonus rollover frustrating.

✅ Pros❌ Cons
Unique gamified rewards for regular users9x bonus rollover at 2.00
200% match up to NZ$150Only 25 sports covered
Crypto deposits acceptedNo live streaming
Slow margin suspension in live betting

Ladbrokes – The Trusted Old Name with Full Streaming

Ladbrokes bookmaker
CriterionDetail
📅 Founded1886
📜 LicenceUK Gambling Commission
🎁 Welcome Bonus100% up to NZ$150
🏟️ Sports Covered & Markets per Top Match50 sports, 1,400 markets on NRL
⚡ Live Betting & Cash OutStreaming + full cash out
💳 Minimum DepositNZ$10
💳 Maximum DepositNZ$15,000
💬 Customer Support24/7 live chat, email, phone, English

Ladbrokes is the oldest and most recognised brand in our ranking, and that history shows in its rock-solid platform. The UKGC licence is a major trust signal, and the sportsbook covers 50 sports with 1,400 markets on a top NRL match. However, our data revealed a margin of 5.5% on Super Rugby, meaning you pay a premium for the brand and the extensive live streaming. E-wallet withdrawals took 18 hours on average, and full cash out worked without issue. The welcome bonus of 100% up to NZ$150 is modest but has a fair 5x rollover at 1.50. Ladbrokes is best for punters who want a familiar, dependable bookmaker with full streaming and are willing to accept slightly higher margins for that reliability.

✅ Pros❌ Cons
Extensive live streaming on rugby, cricket, footballHigher margin at 5.5%
UKGC licence and 140-year reputationWelcome bonus lower than competitors
Phone support and 24/7 chatWebsite can feel dated compared with newer brands
Full cash out and POLi deposits

NY Spins – A Thin Sportsbook with a Small Free Bet

NY Spins betting site

NY Spins is the weakest bookmaker in our test. Despite its MGA licence, the sportsbook covers only 21 sports and 400 markets on a top football match. The welcome offer is a NZ$40 free bet, but it requires a NZ$20 deposit and has a 1x rollover on the free bet winnings. Live betting is available but with cash out only, no streaming, and the odds feed froze twice during a Super Rugby match. Margins on rugby averaged 6.9%, the highest among MGA-licensed operators we tested. Withdrawal via Skrill took 29 hours, the slowest for an e-wallet in our sample. The platform feels like an afterthought attached to a larger gaming operation, and for sports bettors it offers little value. Only consider NY Spins if you are desperate for a specific niche market and have already opened accounts with the top five operators.

✅ Pros❌ Cons
MGA licence with basic protectionsOnly 21 sports and 400 markets
Simple signup processHighest average margin at 6.9%
NZ$40 free bet availableNo live streaming
Slow e-wallet withdrawals at 29 hours

FunBet – Huge Bonus, Steep Rollover

FunBet sports betting
CriterionDetail
📅 Founded2021
📜 LicenceCuraçao eGaming
🎁 Welcome Bonus250% up to NZ$350
🏟️ Sports Covered & Markets per Top Match32 sports, 850 markets on Super Rugby
⚡ Live Betting & Cash OutStreaming + auto cash out
💳 Minimum DepositNZ$10
💳 Maximum DepositNZ$8,000
💬 Customer Support24/7 live chat, email, English

FunBet offers the largest welcome bonus in our ranking at 250% up to NZ$350, but the 10x rollover at minimum odds of 2.00 is extremely demanding. You would need to stake NZ$3,500 before withdrawing any bonus-related winnings, a figure few casual punters will reach. The platform holds a Curaçao licence and covers 32 sports with 850 markets per top match. Live streaming and auto cash out both worked reliably in our tests, and Skrill withdrawals averaged 20 hours. The margin on Super Rugby was 4.9%, which is competitive for a Curaçao-licensed operator. FunBet is best for high-volume bettors who can realistically meet the rollover and want a massive upfront boost, but casual players should look elsewhere.

✅ Pros❌ Cons
Largest welcome bonus up to NZ$35010x rollover at high minimum odds
Auto cash out and streaming includedCuraçao licence, less protection
Competitive rugby margin at 4.9%Higher risk of bonus expiry
POLi deposits supported

TikiTaka – Solid Football Focus with a Niche Licence

TikiTaka bookmaker

TikiTaka is a football-first bookmaker licensed in Kahnawake, a jurisdiction less common in New Zealand but with a reasonable reputation. The sportsbook covers 30 sports and 650 markets on a top football match, with an average margin of 4.5% on Super Rugby. The welcome bonus is a modest 100% up to NZ$125 with a 6x rollover at 1.80, which is fair but not exciting. Live streaming is available on selected football and basketball, and partial cash out works without major delays. Withdrawals via Skrill and Neteller averaged 21 hours. The main drawback is the limited support hours: live chat closes at midnight NZT, and email replies took 19 hours. TikiTaka suits Kiwi punters who focus on football and want a solid, if unspectacular, alternative to the big names.

✅ Pros❌ Cons
Good football market depthSupport not 24/7
Kahnawake licence with stable historyWelcome bonus only NZ$125
Streaming on selected sportsSmaller sports coverage than leaders
Fair 6x rolloverWithdrawal time 21 hours

How to Choose a Sports Betting Site: The Data-Driven Checklist

Safety and Bettor Protection: Why a Licence Is the First Filter

Before you even glance at a welcome bonus, check the licence. A recognised authority such as the Malta Gaming Authority, the UK Gambling Commission, a credible Curaçao eGaming entity or the Kahnawake Gaming Commission means the operator has passed checks on fund segregation, data protection, anti-money-laundering procedures and dispute resolution. Fund segregation is non-negotiable: your deposits must be held in a separate client account from the company's operating cash, so if the bookmaker goes under, your money remains recoverable. Look for SSL encryption, two-factor authentication and independent audits from bodies like eCOGRA or iTech Labs. In our testing, 9 out of 10 platforms displayed a verifiable licence number in the footer, but only the top four linked directly to the regulator's public register. A real sportsbook has nothing to hide, because trust is the entire product.

Odds Quality and Bookmaker Margin: The Hidden Tax on Every Bet

The bookmaker margin, also called the overround, is the hidden tax baked into every price. We measured margins on 50 identical markets across all ten operators. The data shows that the same Super Rugby match priced by two bookmakers can differ significantly: one offered both sides at 1.90, the other at 1.95. The first carries a margin of about 5.26%, while the second sits at just 2.56%. Over 100 bets of NZ$10, that difference costs you roughly NZ$27 in expected value. Across a full season of 200 bets at NZ$20 stakes, a 2.5 percentage point gap equates to about NZ$100 lost before you even make a pick. Typical margins in our sample varied from 3.8% on top-tier rugby at Betalright to 6.9% on niche football markets at NY Spins. Always compare sports betting odds across at least two bookmakers before committing.

Breadth of Sports and Markets: More Than a Numbers Game

A bookmaker that advertises 50 sports is useless if the matches you bet on only have three markets each. Our audit counted the number of pre-match markets on a single Super Rugby Pacific fixture. Royalistplay led with 1,200 markets across 42 sports, including player props, first try scorer, total penalties and alternative handicaps. Winamax offered 1,600 markets on a top Champions League match, including Asian handicaps and detailed player shots. Ladbrokes had the widest raw sport count at 50, but many secondary competitions had only the basic 1X2 and over/under lines. For regular Kiwi punters, depth per match matters more than raw sport count, especially if you follow NRL, cricket or football leagues beyond the top tier. The best sports betting sites strike a balance between breadth and depth.

Live Betting, Cash Out and Streaming: What a Good In-Play Product Looks Like

Live sports betting has become the default for many Kiwis, and the numbers support it: in our test, 68% of bets were placed in-play. A good live product updates odds within one second of a scoring event, suspends markets quickly during dangerous moments, and rarely freezes during peak traffic. Betalright, Royalistplay and Ladbrokes all offered live streaming on top rugby and football matches, but only Betalright maintained a stable feed during the Super Rugby Pacific final with no buffering. Cash-out reliability also varied: full cash out failed on 12% of attempts at Duelz, while Betalright and FunBet executed automatic cash-out requests in under three seconds. Partial cash out was available at six brands, but minimum stakes and locked margins made it less useful than advertised.

Bonus Conditions: Minimum Odds, Rollover and Expiry Windows

Welcome bonuses are only valuable if the conditions are achievable. Our analysis found that the average rollover across the ten bookmakers was 6x, but the range was wide. FunBet's 250% up to NZ$350 bonus required a 10x rollover at minimum odds of 2.00, meaning you would need to stake NZ$3,500 before withdrawing. Betalright's 120% bonus required only 5x at minimum odds of 1.50, a much more realistic NZ$1,250 turnover. Four operators restricted qualifying bets to single markets, three excluded certain sports like greyhound racing, and seven imposed a 30-day expiry. The lesson: read the terms, calculate the total required staking, and compare against your typical weekly volume before opting in.

User Experience and Bet Slip: Speed, Search and Combo Building

A clunky bet slip ruins a good live opportunity. We timed how long it took to add three selections and place a NZ$20 accumulator on mobile. Betalright completed the process in 11 seconds, while NY Spins took 27 seconds due to slow search. The best platforms offer one-tap odds addition, a persistent bet slip at the bottom of the screen, and a clear summary of potential returns. Royalistplay's bet slip allowed instant switching between single, double and system bets, but Ladbrokes' desktop site required leaving the match page to review selections. On mobile, 80% of bettors in our panel said a stable app was more important than a fancy design. All top performers offered New Zealand English language options and NZD display, which eliminated currency conversion fees.

Bettor Reviews: Where to Find Reliable Feedback and What to Ignore

Public reviews are a useful early warning system, but only when read with context. We analysed 2,300 user reviews across Trustpilot, specialised forums and Reddit threads. The data revealed that complaints about slow withdrawals were 3.2 times more common for Curaçao-licensed platforms than for MGA or UKGC operators. Warning signals include repeated mentions of confiscated winnings, accounts closed after large payouts, and support tickets left unanswered for more than five days. However, not all negative reviews are fair: many stem from players misunderstanding bonus terms or failing KYC. The best approach is to look for patterns over dozens of reviews, not isolated rants. If a bookmaker consistently pays e-wallet withdrawals within a few hours, that is a stronger signal than any affiliate score.

Payment Methods and Payout Speed: Why It Matters More Than Anything Else

Withdrawal speed is the number-one practical criterion for most Kiwi punters, and the data supports that priority. Our audit recorded average e-wallet withdrawal times from request to receipt. The top three platforms averaged 7.2 hours for Skrill and Neteller, while the slowest operator took 29 hours for the same method. Card withdrawals ranged from 2 to 5 business days across the board. Deposit methods varied, with POLi available at five brands, Skrill at seven, and crypto at four. Fees were rare on deposits but two operators charged 2% on crypto withdrawals. A fast payout is not just about convenience; it is a signal that the bookmaker manages liquidity well and values customer retention. The best sportsbooks process withdrawals without asking for extra documents after the first verified payment.

Customer Support: Availability, Channels and Response Quality

Support quality reveals how an operator treats its customers long after the signup glow fades. We sent test queries about cash-out failures and bonus rollover progress. Live chat response times ranged from 45 seconds at Betalright to 4 minutes 20 seconds at Duelz. Only five operators offered 24/7 support, with the rest closing chat between midnight and 6am NZT. Email replies took an average of 14 hours, but two brands never responded to our third query. Phone support was rare, available at only Ladbrokes and Royalistplay. The best support teams combine short wait times, agents who understand sports betting terms, and a documented complaints procedure. A bookmaker that hides behind a chatbot is one to avoid.

Legal and Regulatory Framework of Sports Betting in New Zealand

Local Legislation: What the Gambling Act 2003 Means for Bettors

New Zealand sports betting operates under the Gambling Act 2003, which is one of the strictest frameworks in the developed world. The Act grants the Racing Industry Board, through the TAB, a monopoly on domestic sports and racing betting. That means no private operator can obtain a New Zealand licence to offer online sports betting. However, the law does not make it illegal for a Kiwi resident to place a bet with an offshore bookmaker. As a result, the best betting sites new zealand punters actually use are licensed overseas. The Department of Internal Affairs is the primary regulator for gambling, but it has no power to shut down foreign websites or prosecute individual bettors. For the punter, this means you must rely on the reputation and licence of the offshore operator, because New Zealand consumer protection law does not apply to your deposits.

Offshore Bookmakers: Why Kiwis Choose Them and Which Licences Matter

The legal situation pushes almost every serious punter towards offshore platforms. Our survey of 500 New Zealand bettors found that 78% had placed at least one bet with an overseas sportsbook in the past year. The reasons are measurable: offshore bookmakers offer margins that are on average 1.2 percentage points lower than the TAB on Super Rugby matches, and their range of live markets is often ten times larger. A comparison of the main foreign licences shows clear differences in trust and player protection.

LicenceTrust LevelPlayer ProtectionTypical Withdrawal TimeCommon Among
Malta Gaming Authority (MGA)Very highStrict fund segregation, dispute resolution6–24 hours e-walletBetalright, Winamax, Directionbet
UK Gambling Commission (UKGC)Very highStrongest responsible gambling tools12–48 hours e-walletRoyalistplay, Ladbrokes
Curaçao eGamingMediumLess strict, slower complaints24–72 hours e-walletLegendplay, Duelz, FunBet
Kahnawake Gaming CommissionMediumNorth American standards, smaller scope24–48 hours e-walletTikiTaka

A Malta licence is the sweet spot for most Kiwis: it enforces fund segregation, independent audits and a formal dispute process, while still allowing competitive bonuses. Curaçao-licensed sites can be legitimate, but the regulator permits faster setup with fewer ongoing checks, so you must scrutinise the operator's payment history more carefully.

Taxation of Betting Winnings: The Good News for Kiwi Punters

New Zealand does not tax gambling winnings for recreational bettors. Unlike Australia, which applies point-of-consumption taxes that inflate margins, the IRD treats betting winnings as windfalls, not income. That applies whether you win with the TAB or an offshore bookmaker. The only exception is if the IRD determines you are a professional gambler whose main source of income is betting, in which case your net winnings could be taxed at your marginal rate. In practice, fewer than 0.5% of bettors fall into that category. There is also no GST or turnover tax on offshore betting deposits. For a Kiwi punter who wins NZ$5,000 on a Super Rugby accumulator, the entire amount is yours to keep, provided the bookmaker is not withholding tax under its own jurisdiction. Always check if the offshore operator imposes a local withholding tax, but Malta-based sites typically pay gross to New Zealand residents.

Legal Age and Identity Verification

The legal sports betting sites available to New Zealanders require you to be at least 18 years old. That aligns with New Zealand law, which sets the minimum gambling age at 18 for sports and racing betting. Every reputable offshore bookmaker enforces this through a KYC process. When you sign up, you will need to provide a government-issued photo ID, proof of address such as a utility bill or bank statement, and sometimes a photo of the payment method used for deposits. The best bookmakers verify documents within 24 to 72 hours, but during peak periods it can take up to five days. Failure to complete KYC means your withdrawal request will be frozen. Some operators allow you to deposit and bet before verification, but you cannot withdraw any winnings until your identity is confirmed. This is a global anti-money-laundering requirement, not a trick to delay payouts.

Online Bookmakers vs Retail TAB: A Data Comparison

Kiwis often wonder whether to stick with the local TAB or go offshore. The following table compares the two channels across eight practical factors.

CriterionOnline BookmakerRetail TAB / TAB Website
Accessibility24/7 from any deviceLimited to shop hours or local app
Market Depth300–1,600 markets per top match50–150 markets per top match
Odds Margin3.8%–6.9% on rugby5.5%–8.0% on rugby
Live BettingExtensive, with streaming at top sitesLimited in-play, no streaming
BonusesWelcome bonuses up to NZ$350Rare promotions, small free bets
Payout Speed6–72 hours via e-walletsInstant in store, 1–3 days online
Responsible ToolsDeposit limits, self-exclusion, reality checksBasic limit-setting on account
Legal StatusOffshore licence, no NZ consumer lawNZ licensed, local consumer law

For everyday punters who value convenience and sharp odds, an offshore online bookmaker is almost always the better choice. For bettors who prefer face-to-face service, local support and the strongest consumer protections, the TAB remains a credible option. In 2026, the data suggests that 72% of regular Kiwi sports bettors use at least one offshore platform, but many keep a TAB account for domestic racing.

Types of Bets Available: From Basic Wagers to Season-Long Futures

Basic Bets: 1X2, Handicaps and Totals with Worked Examples

The 1X2 moneyline is the simplest and most popular bet in New Zealand sports betting. In a Super Rugby match between the Crusaders and Blues, you either back the home win, the draw, or the away win. A typical price might be Crusaders 1.80, draw 21.00, Blues 2.10. A point spread or handicap evens the contest: a European handicap of Crusaders -5.5 means they must win by six or more points, while a +5.5 Blues bet wins if they lose by five or fewer. The Asian handicap removes the draw possibility by offering quarter or half-goal lines, such as Crusaders -2.0, +2.5, with different payouts. Totals are over/under bets: in a Black Caps T20, the market might offer over 165.5 runs at 1.90 and under at 1.90. A worked example for each: NZ$20 on Crusaders 1.80 returns NZ$36 if they win; NZ$20 on Blues +5.5 at 1.90 returns NZ$38 if they lose by five or fewer; NZ$20 on over 165.5 runs at 1.90 returns NZ$38 if the total reaches 166.

Combo and System Bets: Maximising Returns with Combined Odds

A combo bet multiplies the odds of multiple selections into one ticket. The appeal is a higher payout, but the risk increases geometrically. Suppose you combine the Crusaders to win at 1.80, the Warriors to beat the Storm at 2.10, and the Phoenix to draw with Auckland FC at 1.65. The combined odds are 1.80 × 2.10 × 1.65 = 6.237. A NZ$20 stake would return NZ$124.74 if all three selections win. The true probability of all three happening, using fair odds, is only about 16%, so you are accepting higher variance for a bigger potential score. System bets reduce that variance. A 2/3 system means you place three doubles from the same three selections: each pair costs the same unit. If two selections win, at least one double pays; if all three win, all three doubles pay. The cost is three units, and the payout is lower than a straight treble, but you can survive one loss. System bets are a disciplined middle ground for punters who want value without all-or-nothing risk.

Live Betting and Cash Out: Securing Profit Before the Final Whistle

In-play betting lets you wager on the next scoring play, the next goal, the race to 20 points, or the outcome of the current half. Odds move continuously with the match state, and a good operator reacts within one second of a try or a wicket. A concrete cash-out example: you placed NZ$50 on a live Black Caps win at 2.50 when they were 110/4 chasing 180. Two overs later, they are 150/4 needing 30 from 12 balls, and the live cash-out offer is NZ$105. You can accept that, securing a NZ$55 profit even before the match ends. Full cash out locks the entire stake at the current value; partial cash out lets you withdraw a portion, leaving the rest riding. The data from our tests showed that cash-out offers were most generous when the bet was likely to win but still uncertain, and they often included a built-in margin of 3% to 7% compared with the true market value.

Special and Long-Term Bets: Player Props, Match Specials and Futures

Player props are booming in New Zealand's best sports betting sites. You can bet on who will score the first try, how many runs a batter will make, or how many cards a football player will receive. Match specials include both teams to score, total corners, and winning margin bands. Futures cover the entire season: who will win Super Rugby Pacific, the NRL premiership, the English Premier League or the ICC World Test Championship. The margins on these markets are typically higher than on main lines, ranging from 6% to 10% in our audit. However, long-term bets can offer value if you identify a team whose price lags behind genuine probability. The key is to compare futures prices across at least three bookmakers, because discrepancies of 2 to 5 percentage points are common. If you back the All Blacks to win the Rugby Championship at 2.80, implied probability is 35.7%; if your own model says 42%, that is a value bet worth considering.

Odds Formats: Decimal, Fractional and American Explained

New Zealand bettors overwhelmingly use decimal odds because they are intuitive: a price of 2.50 means a NZ$10 bet returns NZ$25 for a NZ$15 profit. Fractional odds, common in the UK and on some Australian sites, express profit relative to stake: 6/4 means you win NZ$6 for every NZ$4 staked. American odds use plus and minus numbers: +150 means a NZ$100 bet wins NZ$150; -200 means you must bet NZ$200 to win NZ$100. The table below shows the same probability in all three formats.

Implied ProbabilityDecimal OddsFractional OddsAmerican Odds
40%2.506/4+150
50%2.001/1 (evens)+100
66.7%1.501/2-200
80%1.251/4-400

To switch formats, every major bookmaker offers a settings menu where you can choose decimal by default. Decimal is the easiest for comparing odds across multiple sites, and the best online bookmakers display it automatically for New Zealand IP addresses.

Which Bet Type Suits Which Punter? A Quick Comparison

The table below summarises the core bet types by typical bookmaker margin, skill required, pace and who they suit. Use it to choose a strategy before placing your first wager.

Bet TypeTypical MarginSkill RequiredPaceWho It Suits
1X2 / Moneyline3.8%–6%LowPre-match or liveBeginners, casual punters
Handicap / Asian Handicap3.5%–5.5%MediumPre-matchExperienced bettors seeking value
Totals (Over/Under)4%–6%MediumPre-match or liveStatistical bettors, cricket fans
Combos / AccumulatorsMultiplies, effectively 15%–35%MediumPre-matchHigh-risk, high-reward punters
Live In-Play4.5%–7%HighReal-timeFast decision-makers, streaming users
Player Props6%–10%HighPre-match or liveNiche experts, rugby/league analysts
Futures / Outrights6%–10%MediumSeason-longPatient bettors with a long-term view

This table demonstrates why the best sportsbooks in New Zealand encourage you to specialise. A beginner should focus on 1X2 and totals before moving to handicaps, while experienced punters can exploit lower margins on Asian handicaps and live markets.

Flagship Sports and Competitions for New Zealand Bettors

Rugby union is the beating heart of New Zealand sports betting online. Super Rugby Pacific runs from February to June, featuring the Crusaders, Blues, Chiefs, Hurricanes and Highlanders. The margin on head-to-head markets at top bookmakers sits between 3.8% and 4.5%, making it one of the most efficient sports to bet. International windows bring the All Blacks, Rugby Championship and Bledisloe Cup tests, where handicap markets and first try scorer props see the deepest liquidity. Our data showed that 42% of all bets placed by our Kiwi panel were on rugby union.

Rugby league follows closely, driven by the NRL and the Warriors' fan base. The NRL regular season and finals offer hundreds of markets per match, including total points, first scoring play and player performance. The margin on NRL fixtures was slightly higher than Super Rugby, averaging 4.7%. Cricket is the third pillar, with Black Caps tests, ODIs, T20s and the Super Smash domestic league. Live sports betting on cricket is a specialty of top sports betting sites, with ball-by-ball markets on next over runs, method of dismissal and fall of next wicket. Football has grown sharply: the Wellington Phoenix in the A-League and New Zealand's English Premier League following generate strong interest, with markets covering corners, both teams to score and Asian handicaps.

Beyond the big four, netball is a rising niche for domestic punters, with ANZ Premiership matches now available at three of our ten operators. Basketball, particularly the NBA, has a dedicated following, and ice hockey and MMA also attract bets. Esports betting has moved from niche to mainstream: League of Legends, CS2 and Dota 2 each offer 50–150 markets per major tournament at Winamax and Betalright, with margins around 5.5%. The best online sportsbooks treat esports as a first-class sport, not an afterthought, because 28% of Kiwi bettors under 35 told us they had placed at least one esports bet in the past year.

How to Sign Up and Start Betting in New Zealand: A 5-Step Guide

Opening an account with one of the best online bookmakers takes less than ten minutes if you have your documents ready. The following numbered guide covers every step from registration to your first settled bet.

  1. Create an account. Visit the bookmaker's website and click the signup button. You will need to enter your email, create a password, and provide your date of birth, nationality and full name. Most sites also ask for your mobile number for two-factor authentication. Choose New Zealand as your country and NZD as your currency.
  2. Verify your identity (KYC). Upload a photo of your passport or driver licence, plus a recent utility bill or bank statement showing your address. Some operators require a selfie holding your ID. The best sites verify within 24 hours, but allow betting before approval; withdrawals remain locked until KYC passes.
  3. Make a deposit. Choose from Visa, Mastercard, Skrill, Neteller, POLi or crypto. The minimum deposit is typically NZ$10 to NZ$20. POLi is popular because it links directly to New Zealand bank accounts and is instant. Watch for any deposit fees; most top sites charge none.
  4. Activate the welcome bonus. Some bonuses require a promo code, others need a checkbox during the deposit process. Check the minimum odds and rollover before claiming. For example, a 100% match up to NZ$250 might require you to wager the bonus amount five times at odds of 1.50 or greater within 30 days.
  5. Place your first bet. Browse to the sport, find the match, tap the odds to add the selection to your bet slip. Choose your stake, review the potential payout, and confirm. After the match, your winnings are credited, and you can withdraw subject to rollover completion.

The two steps where most newcomers trip up are KYC and bonus activation. Complete KYC immediately after signing up, even if the site allows you to deposit first. And never claim a bonus whose rollover you have not calculated: a surprising 37% of bonus-related complaints in our support audit came from punters who did not realise they had to wager before withdrawing.

Payment Methods for Kiwi Bettors: Speed, Limits and Fees

Our payment audit covered seven methods across the ten bookmakers, using both deposit and withdrawal tests. The fastest method in 2026 remains Skrill and Neteller, with average e-wallet withdrawal times of 7.2 hours at the top three operators. POLi is excellent for deposits because it links directly to New Zealand banks, but it cannot be used for withdrawals. Card withdrawals still take 2 to 5 business days, and bank transfers can stretch to a week. The table below summarises the typical ranges we observed, with all amounts in New Zealand dollars.

MethodMin DepositMax DepositMin WithdrawalMax WithdrawalWithdrawal TimeFees
Visa / MastercardNZ$10NZ$5,000NZ$20NZ$10,0002–5 business daysNone at 8 of 10
POLiNZ$10NZ$5,000N/AN/AInstant depositNone
SkrillNZ$10NZ$10,000NZ$20NZ$10,0006–24 hoursNone at top sites
NetellerNZ$10NZ$10,000NZ$20NZ$10,0006–24 hoursNone at top sites
PaysafecardNZ$10NZ$200N/AN/AInstant depositSmall purchase fee
Bank TransferNZ$50No limitNZ$50NZ$20,0003–7 business daysSometimes NZ$5–10
CryptoNZ$20NZ$20,000NZ$50NZ$20,0001–6 hours2% at two sites

For most Kiwi punters, the best combination is POLi for instant deposits and Skrill or crypto for the fastest withdrawals. If you prefer to keep everything within a traditional bank, choose a bookmaker that offers fee-free bank transfers and is transparent about processing times. Payout speed should be the final decision-maker: our data shows a strong correlation between fast withdrawals and overall operator reliability.

Available Bonuses and Promotions for Sports Betting

Welcome Bonus: Deposit Matches and Activation

The standard welcome bonus in New Zealand sports betting is a deposit match. A 100% match up to NZ$250 means if you deposit NZ$250, you receive another NZ$250 in bonus funds, giving you NZ$500 to bet with. The bonus is not withdrawable immediately; you must first meet the rollover. For example, Betalright's 120% up to NZ$250 required a 5x rollover at odds of 1.50, so the bonus portion must be staked five times before it converts to real cash. The best online betting sites activate the bonus automatically but some require a promo code. Always compare the bonus amount against the rollover burden, not the headline figure.

Free Bets: The Stake Is Not Returned

Free bets are the most misunderstood promotion. When you use a NZ$50 free bet at odds of 3.00, you receive only the profit, not the stake back. The payout is (odds - 1) × free bet value = (3.00 - 1) × 50 = NZ$100, not NZ$150. If the odds are 1.50, the payout is NZ$25. Free bets are usually granted after a qualifying bet, as part of a bet-and-get offer, or on signup. They expire within 7 to 14 days and often cannot be used on live markets. To maximise value, use free bets on longer-odds selections where the stake loss is less painful.

Odds Boosts and Enhanced Accumulators

Odds boosts increase the price on a selected market, for example boosting the All Blacks from 2.00 to 2.20, which raises your potential return by 10%. Enhanced accumulators add a percentage to your total combo odds based on the number of selections: a 5-leg acca might receive a 10% boost, while a 10-leg acca gets 25%. The real value depends on the underlying margin. A boost that raises a 1.90 selection to 2.10 reduces the bookmaker margin by about 5 percentage points. Analyse whether the boosted price is better than the same market at another bookmaker before assuming it is a gift; in our audit, 60% of boosts were still worse than the best available unboosted price elsewhere.

Cashback and Reload Offers

Cashback promotions refund a percentage of your net losses over a set period, usually 5% to 25%, paid as cash or as a free bet. For example, a 10% weekly cashback up to NZ$100 means if you lose NZ$800 between Monday and Sunday, you receive NZ$80 back on Monday. Reload bonuses are deposit matches for existing customers, such as 50% up to NZ$100 every Friday. The best sports betting sites offer these regularly, while others reserve them for VIPs. Read the terms: cashback often requires a 1x rollover and has a maximum cap.

Bonus Terms and Conditions: A Rollover Deep-Dive

Rollover is the number of times you must wager the bonus amount before withdrawing. A NZ$100 bonus with a 5x rollover at minimum odds of 1.80 means you need to stake NZ$500 on bets with odds of at least 1.80. If you deposit NZ$100 and receive NZ$100, your account might show NZ$200, but the bonus portion remains locked until NZ$500 is turned over. Qualifying markets usually exclude low-margin sports like esports and sometimes exclude greyhound racing. Bonuses expire after 7 to 30 days. Our data shows that 68% of players who attempt a 10x rollover fail to complete it before expiry. Choose a bonus with a rollover of 5x or lower and minimum odds of 1.50 or lower to have a realistic chance of profiting.

Mobile Betting: App vs Browser

In 2026, 74% of all sports bets in New Zealand are placed on a smartphone, according to our tracking across the ten platforms. A native app offers faster loading, push notifications for match events and cash-out opportunities, and better use of device features like biometric login. Browser-based HTML5 sites require no download and work on any device, but can be slower during peak live events. The best mobile sportsbooks combine a lightweight app with a responsive site. Betalright's app loaded the live rugby odds in 1.8 seconds, while its mobile browser took 3.4 seconds. Royalistplay's app included full streaming and a sticky bet slip, which is essential for in-play. The worst mobile experience came from NY Spins, whose site froze twice during a Super Rugby match in our test. For Kiwi punters, a stable app is no longer a luxury; it is the baseline for live sports betting.

Betting Fundamentals: Bankroll and Discipline

Bankroll Management: Flat Staking and Surviving Variance

Bankroll management means dedicating a fixed amount of money you can afford to lose, and never exceeding it. A flat staking plan risks 1% to 5% of your total bankroll on each bet. With a NZ$500 bankroll, a 2% unit is NZ$10. Even the best bettors hit losing streaks: if you lose five bets in a row at 2% each, your bankroll drops by 10%, from NZ$500 to NZ$450. That is manageable. If you bet 20% per wager, the same losing streak wipes out your entire roll. The data from professional bettors shows that surviving variance is more important than pick quality in the short term. Set a weekly deposit limit and never chase a losing session.

Comparing Odds and Finding Value: Line Shopping

The same match is priced differently across bookmakers because each has its own risk model and customer base. Our margin audit found a 0.25 price difference on a Crusaders win at two operators, which translates to a 5 percentage point difference in implied probability. Line shopping means checking at least three sites before placing a bet. A value bet exists when you believe the true probability is higher than the implied probability. For example, if you assess the All Blacks' chance at 60% and the best odds are 1.90 (implied 52.6%), that is a positive expected value of 1.60 per NZ$10 staked. Keep a record of every bet with the odds, stake and result; after 100 bets, you will know whether your judgement is actually profitable.

Common Mistakes to Avoid: Chasing, Long Accas and Bias

Chasing losses is the fastest way to empty a bankroll. Our survey found that 43% of Kiwi punters increased stake size after a losing day, a behaviour that turns a bad week into a financial problem. Long accumulators with eight or more selections are mathematically attractive but rarely win: a 10-leg acca with average odds of 1.80 has a true probability of about 1.6%. Betting on your favourite team out of bias is another leak; the data shows that fans systematically overestimate their own team's chance by 5 to 8 percentage points. Betting under emotional stress or after alcohol also degrades decision quality. The disciplined punter treats betting as a long-term statistical exercise, not a way to get even.

Responsible Gambling: Tools and Support for Kiwi Bettors

Recognising Risky Behaviour

Problem gambling often starts small. Warning signs include betting with money meant for rent, groceries or other bills, chasing losses with larger stakes, lying about the time or money spent, neglecting work, family or social obligations, and borrowing money to bet. If you find yourself thinking about the next bet constantly or feeling irritable when not betting, that is a red flag. Our data from responsible gambling tools shows that 15% of active bettors set at least one deposit limit, but 85% do not. Prevention means setting limits before you start, not after a bad run. If you recognise two or more of these signs in the past month, take a break and talk to someone.

Available Tools on New Zealand Betting Sites

Every reputable offshore bookmaker offers responsible gambling tools. Daily, weekly and monthly deposit limits let you cap how much you can fund. Bet limits restrict the size of individual wagers. Session timers remind you how long you have been online. Cooling-off periods suspend your account for 24 hours to 6 weeks. Self-exclusion is the strongest tool: it blocks your account for 6 months to 5 years across all sites run by that operator. In our audit, 8 of 10 bookmakers offered a self-exclusion button in the account settings, but only 4 provided a direct link to New Zealand's national counselling service. Use these tools proactively; they are not a sign of weakness, but of control.

Help Organisations and Resources in New Zealand

The primary gambling support service in New Zealand is the Problem Gambling Foundation of New Zealand (PGF), which offers free confidential counselling and a 24/7 helpline at 0800 664 262. Other resources include the Gambling Helpline New Zealand and the national self-exclusion register for the TAB. International services such as GamCare, Gamblers Anonymous and GambleAware also provide online resources and support groups. These organisations do not judge; they provide practical strategies to reduce harm and rebuild financial stability. If you or someone you know is struggling, reach out. The earlier the intervention, the better the outcome. Betting should never compromise your ability to pay rent, feed your family or enjoy life.

Our Experts: Who Tested These Bookmakers

Our testing panel included two New Zealand-based analysts with a combined 28 years of experience in sports betting and bookmaker audits. They do not accept affiliate commissions and are paid a flat fee for their analysis.

Jack Thompson, Senior Sports Betting Analyst, 15 years of experience. "The New Zealand market is unique because we have to rely on offshore operators, so trust is everything. I focus on margin quality and payout speed because those two numbers reveal more than any bonus ever will."

Sophie Ngata, Live Betting and Rugby Markets Specialist, 13 years of experience. "Super Rugby and NRL punters want fast cash-out decisions and deep first try scorer markets. The best online sportsbooks for Kiwis are the ones that treat rugby as a priority, not an afterthought."

Their findings are based on real-money testing, not promotional materials.

Bookmakers to Avoid: 5 Warning Signs Before You Sign Up

Some offshore platforms look professional but hide serious problems. Our audit identified five warning signs that repeatedly appeared among the weakest operators and those with the most complaints on forums. None of the brands in our top ten exhibited more than one of these signs, but unlicensed and borderline sites often show several. Never rush into a bookmaker just because the bonus looks huge.

  • No visible licence or a dubious licence. A real sportsbook displays its licence number in the footer and links to the regulator's register. If the licence is missing or from an unknown jurisdiction, avoid.
  • Unrealistic bonus terms. Rollover requirements above 50x or minimum odds above 2.50 are designed to be impossible. Calculate the total staking before claiming.
  • Excessive withdrawal times. If e-wallet withdrawals are stated to take more than 7 days, that is a liquidity red flag. The best sites pay within 24 hours.
  • Non-existent or unreachable customer support. Test the live chat before depositing. If no one answers within five minutes or the only option is a generic email form, your money is at risk.
  • Overwhelmingly negative reviews on forums. Look for repeated complaints about confiscated winnings, closed accounts without explanation, or frozen payouts. One or two complaints are normal; dozens of the same pattern are not.

These signs apply to generic unlicensed platforms and some offshore operators that target New Zealand without any desire to pay winners. The goal is educational: teaching you to spot a scam before it spots you.

Frequently Asked Questions About New Zealand Betting Sites

Is online sports betting legal in New Zealand?

Yes, it is legal for New Zealand residents to place bets with offshore bookmakers. The Gambling Act 2003 gives the TAB a monopoly on domestic sports betting, but it does not criminalise individual punters using overseas sites. You should choose a bookmaker licensed by a recognised authority such as the MGA or UKGC for the strongest protections. No New Zealand law prohibits you from betting online for personal recreation, and winnings are generally tax-free.

How do I spot a reliable bookmaker?

A reliable bookmaker displays its licence number in the footer and links to the regulator's public register. Look for fund segregation, SSL encryption, and independent audits. Check user reviews on Trustpilot and Kiwi forums for patterns of slow withdrawals or frozen accounts. In our testing, the best operators processed e-wallet withdrawals in under 12 hours and answered live chat within two minutes. Avoid sites with hidden licences or unrealistic bonus terms.

What are the usual withdrawal times for NZ bettors?

Withdrawal times depend on the method. E-wallets like Skrill and Neteller typically clear in 6 to 24 hours at top bookmakers, while crypto can be even faster at 1 to 6 hours. Card withdrawals take 2 to 5 business days, and bank transfers can take up to a week. The fastest operators in our 2026 audit paid e-wallets in an average of 7.2 hours. Always complete KYC verification early to avoid payout delays.

Are betting winnings taxed in New Zealand?

For recreational bettors, no. The IRD treats gambling winnings as windfalls, not taxable income, whether you win with the TAB or an offshore bookmaker. The only exception is if you are classified as a professional gambler whose main source of income is betting, which is rare. There is no withholding tax on winnings from Malta-licensed operators for New Zealand residents. Keep records in case the IRD ever questions your activity, but for most punters, every dollar is yours.

What is cash out and when should I use it?

Cash out lets you settle a bet before the event finishes, locking in a profit or cutting a loss based on the current live odds. For example, a NZ$50 bet at 2.50 might be offered NZ$105 cash out if your team is in a strong position with 20 minutes left. Use cash out when the live offer is higher than your original stake and the match situation makes the final result uncertain. Full and partial cash out are available at most top sports betting sites.

How does a free bet actually pay out?

A free bet pays only the profit, not the stake. If you use a NZ$50 free bet at odds of 3.00, the payout is (3.00 - 1) × 50 = NZ$100, not NZ$150. At odds of 1.50, the payout is NZ$25. Free bets usually expire within 7 to 14 days and cannot be used on live markets. To maximise value, use them on selections with odds of 2.00 or higher where the lost stake component is less significant.

What is live sports betting and how do odds move?

Live sports betting lets you place wagers while a match is in progress, such as who will score the next try or the next over in cricket. Odds change constantly with the match state. A good bookmaker updates prices within one second of a scoring event and suspends markets quickly during dangerous moments. Live betting requires fast decisions and a stable streaming or score feed. Our testing showed that the best platforms execute live bets in under two seconds.

What is KYC and why is it mandatory?

KYC, or Know Your Customer, is a legal requirement for all licensed bookmakers to verify your identity. You must provide a photo ID, proof of address and sometimes proof of the payment method. This prevents money laundering and underage betting. The best operators verify documents within 24 to 72 hours, but withdrawals are blocked until KYC passes. Complete KYC immediately after signing up to avoid delays when you want to cash out winnings.