Payout rates are one of the key factors players should pay attention to when choosing where to play, yet many don't realise how much of a difference they can make.
To help explain this topic, we spoke with Ville Saari, lead content manager at casino comparison site Bojoko. Ville has worked in affiliate marketing since 2009 and, along his way, has helped countless players to understand how payouts work and find the highest paying online casinos in the UK.
What is a casino payout rate, and how should players understand it when comparing casinos?
The casino payout rate shows how much money is returned to players overall. If the rate is 96 percent, it means around £96 is paid back for every £100 wagered across the site. This is an average based on all players, not individual results.
Casinos don't manually set this rate. It comes from the games they offer. Each game has a built-in return, and the overall payout rate reflects the mix of those games. A site with mostly high-return titles will pay back more on average than one using lower-return versions, even if the games look the same.
Can casinos control which payout levels they use in their games?
Yes, and this is something a lot of players still don't realise. Many slot providers release the same game with different RTP settings, for example, 96 percent, 94 percent, or even lower. The casino chooses which version to run.
Some casinos are transparent and stick to the default higher settings, while others quietly use the lower ones. The player sees the same graphics and game features, but the long-term return is worse.
Does the average payout rate affect how players experience the site in practice?
Absolutely, though it's important to keep it in perspective.
A higher payout rate does not guarantee wins, but it can affect how much play time you get from your balance. Over time, players might find that their bankroll lasts longer or that they get returns a little more often compared to casinos offering lower-paying game versions. It does not change the odds for any one session, but it can influence how the experience feels overall.
It also reflects how the casino operates. Even though most sites do not publish an overall payout figure, players can still look at whether the games are using the higher return settings. When a casino is open about this, it shows a level of transparency.
Should players consider game type when evaluating payouts?
Yes, definitely. Table games such as blackjack, baccarat and craps often carry some of the highest RTP figures, usually in the 98-99 percent range, when played with optimal strategy.
Many high‑payout casinos highlight this by featuring both high‑RTP table games and reputable slots in their top‑payout lists. For players, choosing games with solid RTP alongside bonuses and fair rules provides better long‑term balance than chasing flashy themes or big‑win potential alone.
Can payout rates change over time at the same casino?
They can. Casinos can switch game versions or adjust their catalogue, which changes the overall payout profile. For example, a casino might add a large number of new, lower-RTP games or switch to different settings from a provider that allows it.
While individual games may stay the same, the mix offered on the site evolves. This is why it's worth revisiting payout information regularly, especially if you notice changes in your playing experience. A casino that once had a strong payout average might not always stay that way.
