Sports betting with Trustly in New Zealand: the only legal cashier, and what every offshore shortcut costs

Updated October 2026

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In New Zealand, Trustly is a question most bettors ask before they have any bookmaker to ask it of. Since 28 June 2025 the country has had a single lawful sports and racing bookmaker — TAB NZ, with its two online brands TAB and Betcha — and the rest of the betting market has shifted offshore, onto Curaçao-licensed sites, crypto-only casinos-with-sportsbooks, and a long tail of brands the Department of Internal Affairs told to withdraw. That is the landscape a New Zealand punter sits in when the search bar reads “sports betting with Trustly”. The interesting question is not whether Trustly is a payment method. The interesting question is what a New Zealand punter can actually pay with, what they are buying, and what they give up when they buy it somewhere the law does not cover.

This page investigates the landscape in the order it tends to impact a real punter. It begins with the harm-minimisation tools every New Zealand betting account must offer, as that is what a regulator on your side provides; these protections vanish the moment you leave the country for an offshore brand. From there it moves to the cashier — what Trustly is, what it does at a bookmaker, and why a New Zealand punter typing “Trustly” into a search bar is mostly typing a brand name for a payment rail that sits between their bank and a site that might not be allowed to take their bet. The operator ranking and the comparison table follow, with TAB and Betcha identified as the one legal operator group, while the other brands are marked for what they are: bookmakers a New Zealand punter can reach, but not bookmakers a New Zealand punter can depend on the New Zealand regulator to assist with. The overview after the ranking recaps the mechanics of Trustly in simple language. The legality section closes the body, with the Racing Industry Act 2020 amendment, the absence of a betting licence register, the offshore warning the DIA has published, and the asymmetry between what you keep and what you lose when you step outside the monopoly.

Trustly itself is a Stockholm fintech, founded in 2008, supervised by the Swedish Financial Supervisory Authority in the EU/EEA and by the UK Financial Conduct Authority, fined SEK 130 million in 2022 over anti-money-laundering shortcomings, and reported to connect to roughly 12,000 banks and 650 million consumers. None of that is in dispute, and none of it tells a New Zealand punter whether their bank account is wired into a legal bookmaker. That is what the rest of this page is for.

Current as of October 30, 2026 · verified against the Department of Internal Affairs’ published statements, TAB NZ’s app-store listing and each operator’s own terms page.

Safer gambling in New Zealand: the tools TAB NZ must offer, and what an offshore site owes you instead

New Zealand punter harm is the place to start, because the law is unusually clear about who has to take it seriously. The Racing Industry Act 2020 obliges TAB NZ to keep the risks of problem and underage gambling minimised; the same law is what made TAB NZ the only lawful sports and racing bookmaker. That pairing is not a coincidence. A monopoly likely works as a regulatory tool if the monopolist carries the harm-minimisation duties that otherwise might be spread across a market, and the duties are visible in the TAB NZ app: deposit limits, time-outs, self-exclusion across the TAB and Betcha brands, and the free Gambling Helpline at 0800 654 655, with a text line at 8006. The age threshold is 18 for betting, which is lower than the 20 at land-based casinos and worth keeping in mind whenever the two are discussed together.

The problem gambling levy TAB NZ pays is 0.74% — in force from 1 July 2025 to 30 June 2028 — and the money funds the kind of counselling a punter can actually ring. Safer Gambling Aotearoa and the helpline above it sit on top of that funding. The exclusion is operator-wide: a punt who self-excludes from TAB is excluded from Betcha as well, because the two brands are one operator with two skins. That is the regulatory design in one sentence: one operator, one account boundary, one place to be excluded from, one helpline to call.

The pattern a New Zealand punter loses by leaving the monopoly is a clean one. None of the offshore brands on this page is bound by the Racing Industry Act 2020 or the harm-minimisation duties the Act imposes, and the Department of Internal Affairs has published the warning that goes with that: overseas operators may sit in jurisdictions with minimal consumer safeguards, may not return unspent credits, and may not pay out large wins. That is not speculation. It is the regulator telling the public what to expect when the operator’s regulator is not the Department of Internal Affairs. Player-protection law, levy, helpline funding, the right to complain to a New Zealand body — these are the things a TAB NZ account carries and a Curaçao-licensed brand does not.

A second, less visible difference is what the offshore path costs a punter who has already decided to leave. The Department of Internal Affairs has told providers serving New Zealand to withdraw, and the amendment to the Racing Industry Act 2020 was put in place on 28 June 2025. The point of the law is the operator; the operator is the one in breach. The punter, under section 19(4) of the Gambling Act 2003 as inserted in 2025, cannot be convicted for placing the bet. None of that makes the bet a good one. The bet sits on a bookmaker the New Zealand regulator has named as unlawful, with no New Zealand complaints route, with the regulator’s own warning already in the public record, and with the harm-minimisation toolkit replaced by whatever the offshore operator has chosen to write into its own terms.

A practical rule follows. Before checking a payment method on any sportsbook, the question a New Zealand punter must answer is whether the operator is bound by New Zealand harm-minimisation law. If the answer is no, the cashier is a downstream question. The cashier decides how the money moves; the licence decides what happens to the punter who needs the regulator to intervene.

The next section picks up the cashier question, with Trustly as the example a New Zealand punter typed into the search bar.

The cashier: what Trustly is, and why it does not change who is on the other side of the bet

Trustly is a Swedish payment institution, founded in Stockholm in 2008 by Carl Wilson, Joel Jakobsson and Lukas Gratte under the original name Glue Finance, that lets customers pay directly from a bank account as an alternative to a card. It launched Pay N Play, its gambling-sector product, in 2016. The product is open-banking payments at retail checkout: the punter picks Trustly, is bounced to their own bank, authorises the transfer there, and the merchant receives a payment without a card number ever being typed. The rails are supervised — the Swedish Financial Supervisory Authority in the EU/EEA, the UK Financial Conduct Authority in the UK — and in 2022 the Swedish authority issued a formal warning and a SEK 130 million fine for anti-money-laundering deficiencies, which is part of the company’s history and worth knowing about because the same rails a casino uses for compliance are the ones that are supposed to keep a deposit clean. Trustly itself reports roughly 12,000 banks, 650 million consumers, and over 9,000 companies on the platform, which is large enough that “Trustly” reads to most punters as a synonym for “open banking” rather than as a single company’s product. That is fair. The product is the rail.

The reason a New Zealand punter’s search for Trustly returns more questions than answers is the law. The Racing Industry Act 2020, as amended on 28 June 2025, does not name a payment method, and TAB NZ’s deposit methods come from its own terms rather than from statute. The Department of Internal Affairs has not published a payment-blocking order and no source sets a bank obligation to refuse a deposit; nothing states a rule on crypto, nothing states a rule on VPN use. What the law does is put liability on the operator: a bookmaker that takes a New Zealand bet from offshore is breaking section 74AAA, the Department has told the relevant providers to withdraw, and the law does not need to mention Trustly to make the operator’s position clear. The cashier is downstream of the licence.

This is the consequence angle the page set out to take, and it is the single fact a punter typing “Trustly” into a search bar most often misses. A deposit method is a rail; the rail does not write the rules under which the bet is accepted. The punter who pays a TAB NZ account through Trustly is paying a bookmaker the New Zealand regulator covers; the punter who pays a Curaçao-licensed brand through the same rail is paying a bookmaker the regulator has named as unlawful. The rail is the same. The legal position is not. That is the comparison the rest of the page is built on.

Two practical notes follow, and both belong in this section rather than the operator block, because they apply to every site a New Zealand punter reaches.

The first is the verification question. TAB NZ accounts require a verified New Zealand address and ID, and the verification ensures the punter remains inside the New Zealand harm-minimisation regime described above. Offshore brands have their own KYC rules, and a New Zealand punter who supplies them sends personal information to operators with no obligation under New Zealand law. This is not a Trustly question; it is a “where does the data go” question, and the answer depends on the operator.

The second is the speed question, which is the one Trustly is best at. Where a brand offers Trustly at all, the deposit is bank-to-bank and the receipt is in the account the punter is betting with inside minutes, faster than a card for some banks and much faster than a bank transfer. The credit for that speed belongs to the rail, not to the bookmaker. Withdrawals follow the same rail back; the speed the punter sees is the speed the operator chooses to release the funds, and on offshore sites that speed is whatever the operator has written into its terms, not whatever Trustly might do independently.

The next section takes the comparison into the operator list itself: which brands a New Zealand punter can reach accept Trustly, what the cashier’s terms actually state, and what the New Zealand regulatory position is for each.

What the comparison actually shows: TAB NZ’s two brands, and the offshore bookmakers that follow

The ranking this page ships is not a leaderboard. Two of the brands in it are one operator, and the rest are bookmakers a New Zealand punter can reach, with the New Zealand regulatory position made plain in the table and the operator block. The order the page follows is the order research gives, with TAB and Betcha together at the top because they are the same lawful bookmaker, and the offshore brands after them because that is where the New Zealand punter is, in practice, forced to look if the search has anything to do with a payment method that is not on TAB NZ’s own cashier.

A note on the table that follows. The “what the operator’s own terms state” column is exactly that: the cashier conditions the operator publishes, named in the table and not paraphrased into the prose. Where research carries no figure, the cell carries the no-data marker, and the prose around the table explains what the gap means in practice. A column of dashes tells the reader nothing, so a column whose cells are not backed for most rows is dropped from the table rather than carried as a sequence of missing values.

The single fact the table carries, more clearly than any prose paragraph can, is that none of the offshore brands on this page takes Trustly through the cashier research might confirm. The punter who searches for “sports betting with Trustly” and lands on one of these brands has not found a New Zealand-friendly bookmaker; they have found a bookmaker that does not carry the rail the search was for. The rail is available at brands research did not see, and the punter’s job is to find those, check them, and decide whether the cashier is the only thing that matters. For a New Zealand punter it usually is not.

The next sections work through the operator blocks in the same order, with the same New Zealand status line, the same cashier conditions, and the same closing verdict shaped by what the block actually established.

TAB — the legal bookmaker, with a cashier that does not run on Trustly

TAB is the older of the two online brands of TAB New Zealand, the only provider lawfully offering racing and sports betting to people in New Zealand since section 74AAA of the Racing Industry Act 2020 took effect on 28 June 2025. The site is run under a 25-year agreement signed with Entain in 2023, with a 50/50 share of gross profits, at least $150m a year going to TAB NZ for the first five years, and a one-off $100m Entain payment to the racing sector. Entain is the technology partner; TAB NZ is the licence holder and the party the Department of Internal Affairs regulates.

The app the punter uses carries fixed-odds and tote bets, racing form, Blackbook and Jockey Challenge tools, a Trackside live race stream with in-app betting, and a simplified wallet for deposits and withdrawals. The safer-gambling tools are inside the same app: deposit limits, time-outs, self-exclusion — all of which apply across the TAB and Betcha brands together. The cashier itself does not list Trustly. Deposit methods are operator-level and come from TAB NZ’s own terms, and the punter who searches for a particular rail is searching for something the legal bookmaker does not need to offer.

The verdict, for a New Zealand punter who has just searched for “Trustly”, is straightforward. TAB is the bookmaker the regulator covers, the harm-minimisation tools are real, the racing product is the deepest in the country, and the cashier is what the operator publishes. The punter who wants Trustly at TAB has asked the wrong bookmaker for the wrong reason. The bookmaker is the right one; the rail is a side question.

Betcha — TAB NZ’s second brand, on the same account boundary, with the same cashier

Betcha is the second of the two online brands of TAB New Zealand, launched after the 2025 amendment to position TAB NZ with a younger, sport-led product without changing the legal structure. Betcha and TAB are not rivals. They are two front doors to the same TAB NZ account, and the safer-gambling tools — deposit limits, time-outs, self-exclusion — apply across both because the boundary is the operator, not the brand. The marketing position is sport over racing; the legal position is the same as TAB’s.

The cashier runs on the same TAB NZ terms as TAB. There is no separate Trustly listing. There is no separate licence, because there is only one licence. A punter who self-excludes from TAB is excluded from Betcha as well, and a punter who deposits with Betcha is depositing into the TAB NZ account. The punter who finds Betcha through a sports-betting search has found the legal bookmaker’s sport-led skin, and the cashier question is the same as it is at TAB.

The verdict, for a New Zealand punter who wants the legal bookmaker with a sport-first feel, is the same. Betcha is a TAB NZ account under a different label. The cashier is the cashier research carries for TAB. The harm-minimisation tools are the same. The legal cover is the same. The only thing that changes is the product mix the punter sees.

Golden Panda — casino-led, with a sportsbook that does not include Trustly

Golden Panda is a Curaçao-licensed casino with a sports section, an esports section and a virtual sports section, plus live casino, crash games, rewards, cashback, a VIP Club, Golden Goals and Prediction Markets. The product is broad and the marketing leans on the casino, with the sportsbook as one of several verticals rather than as the centre of the brand.

The cashier is crypto and card; Trustly is not on the list. A New Zealand punter who reaches Golden Panda is on an offshore site, with the Department of Internal Affairs’ published warning already in the public record: overseas operators may not return unspent credits and may not pay out large wins. The harm-minimisation tools are the operator’s own choice, not a statutory duty.

The verdict is that Golden Panda is a casino-first brand for a punter who wants the breadth of verticals and accepts the offshore position. The sportsbook exists, but it is not why the brand exists, and the cashier does not include the rail the search was for. For a New Zealand punter, the brand is reachable and not the legal option.

Spinbara — heavy bonus package, no Trustly, and the offshore caveats the marketing never mentions

Spinbara is an offshore casino-with-sportsbook with three welcome offers on its English site: a casino welcome of 100% up to EUR 500 plus 200 free spins, a first-deposit bonus of 100% up to EUR 100, and a sport crypto welcome bonus of 100% up to 200 USDT. The numbers are large, the wording is the same wording the offshore sector has used for years, and the cashier does not list Trustly.

A New Zealand punter accessing an offshore site faces the same Department of Internal Affairs warning as with any other unlicensed brand. The bonus sizes follow offshore market trends rather than confirming value; wagering conditions are set by the operator and not paraphrased here. The “sport crypto welcome” is a deposit-gated offer, and the cash casino welcome includes a 200-free-spin top-up. Trustly is absent from this path.

The verdict, for a punter chasing the bonus, is that the offer exists on the brand’s own terms, but the cashier does not list Trustly, and the offshore caveats apply. The operator is reachable, but New Zealand regulatory protections do not follow.

Winz.io — crypto-only, no Trustly, and a cashier that runs on a wallet rather than a bank

Winz.io is a crypto-only sportsbook and casino. The cashier accepts BTC, ETH, LTC, BCH, DOGE, USDT, BNB, ADA, TRX, XRP and SOL; deposits are made by connecting a crypto wallet, the site advertises no deposit limits and instant withdrawals. The product is a sportsbook plus a casino with a heavy lean toward crypto-native customers, and the cashier reflects that lean.

There is no Trustly, because there is no fiat rail at all. A New Zealand punter who reaches Winz.io is on an offshore site, with the same warning, and the cashier’s selling point is the opposite of what Trustly offers: no bank account, no open-banking, just a wallet address. The regulator is Curaçao, not New Zealand, and the harm-minimisation duties are the operator’s choice.

The verdict, for a New Zealand punter who wants crypto speed, is that Winz.io is a crypto-first brand with the cashier to match. The sportsbook is real. The offshore position is the offshore position.

Millioner — operator states e-wallets are fast, cards are slow, and Trustly is not on the list

Millioner is an offshore casino-with-sportsbook whose own terms state that e-wallet deposits and payouts are fast while credit card transactions take longer because the bank processes them. The marketing leans on that contrast: a punter who wants speed picks an e-wallet, a punter who does not accept the wait picks a card.

The cashier does not list Trustly. Accessing an offshore site means proceeding with the regulator’s warning in the background. The “fast e-wallet” framing belongs to the operator; the regulator’s perspective, which is what matters for a New Zealand punter, concerns the operator’s licence and the absence of New Zealand harm-minimisation duties.

The verdict, for a punter chasing the cashier’s speed claim, is that the claim is the operator’s. The cashier exists; Trustly is not on it; the offshore position applies.

Rabona — six years on the market, a Soft2Bet sportsbook, and a cashier to check at the source

Rabona is the sixth online sportsbook of the Soft2Bet group, launched on 23 December 2019, and has been on the market long enough that the cashier is what the operator publishes today rather than what the launch press release covered. The product is a sportsbook plus a casino, and the cashier’s full list is on the operator’s own page, which is the page the punter must check before depositing.

Trustly is not confirmed on the cashier. Any New Zealand punter using the site does so as an offshore user. The Department of Internal Affairs’ warning applies, and the harm-minimisation toolkit is limited to the operator’s own policies.

The verdict, for a New Zealand punter who has found Rabona through a sportsbook search, is that the brand is established, the cashier is the operator’s, and the regulatory position is the offshore position. The bookmaker is reachable; the regulator is not.

Betninja — dual welcome, casino and sports, with no Trustly on the cashier

Betninja runs a casino welcome of EUR 1,000 bonus and 100 free spins alongside a sports offer of a 100% match up to EUR 100 on the first deposit. The product is a casino-with-sportsbook with two parallel welcome structures, and the cashier is the operator’s own.

Trustly is not on the cashier as research carries it. Using an offshore site brings the regulator’s warning into play, and the operator’s own harm-minimisation choices replace the statutory duties TAB NZ carries.

The verdict, for a punter weighing the two welcome structures, is that they exist on the operator’s terms, the cashier is the operator’s, and the offshore caveats apply. This remains an unlicensed offshore site rather than a TAB NZ alternative.

Roobet — a Curaçao-licensed brand, a crypto-led cashier, and no Trustly

Roobet is the brand name of Raw Entertainment B.V., registered at Korporaalweg 10, Curacao, under Curaçao licence OGL/2024/687/0427. The product is a crypto casino and sportsbook, and the cashier is crypto-led. There is no Trustly, because the brand’s product is built around the wallet rather than the bank.

A New Zealand punter who reaches Roobet is on an unlicensed platform, and the regulator’s warning in the public record applies. The licence is Curaçao, which is the licence the operator publishes, and the harm-minimisation toolkit is the operator’s. The cashier is what the operator’s terms state; for a New Zealand punter, the position is the offshore position.

The verdict, for a punter who wants a Curaçao-licensed crypto sportsbook, is that Roobet is on that list. The cashier is crypto; the regulatory position is offshore.

Rooster.bet — card-led cashier, published minimums, and a published withdrawal window

Rooster.bet is an offshore sportsbook-and-casino that takes card deposits by Visa and Mastercard with a EUR 20 / USD 20 minimum, instant processing and no fees, and states that card withdrawals take 1–3 banking days. The cashier is card-led, the minimum is published, and the withdrawal window is published. There is no Trustly.

Proceeding with an offshore site invokes the regulator’s warning. The published minimum and withdrawal window are details a punter must examine before depositing, as they are specific to the operator’s page.

The verdict, for a punter who wants a published cashier with published timings, is that Rooster.bet is one. The site doesn’t support Trustly, and the regulatory oversight is entirely offshore.

BillyBets — sports cashback, reloads, and a coin shop, with no Trustly on the cashier

BillyBets is an offshore casino-with-sportsbook that includes cashback and reload bonuses on sports, a coin shop where coins earned by depositing, betting, tournaments and challenges can be exchanged for free bets and free spins, and a five-level VIP programme. The product is broad, the cashier is the operator’s, and Trustly is not on the list.

Using the site involves proceeding with the regulator’s warning in the background. The coin shop is a feature the offshore sector uses to keep a punter inside the brand, and the VIP levels are the operator’s own structure. The cashier is the operator’s, and the regulatory position is offshore.

The verdict, for a punter drawn to the coin shop or the reload bonuses, is that they exist on the operator’s terms. The cashier does not include Trustly. The regulatory position is offshore.

Megapari — a free-bet welcome, a Free Bet Hour, and a Singapore-only version of the same terms

Megapari’s bonus page lists a 15% free bet on the first deposit, a Free Bet Hour with 50% cashback on football losses returned as a free bet, and sports cashback. The numbers on the Singapore version of the site are shown in SGD, and no New Zealand version of the terms was seen. The cashier is the operator’s, and Trustly is not on the list as research carries it.

Using an offshore site brings the regulator’s warning into play. The terms a punter must read are the operator’s, and the absence of a New Zealand version of those terms warrants caution. The Free Bet Hour’s “cashback returned as a free bet” requires reading the conditions closely, as a free bet’s stake is rarely returned with a win.

The verdict, for a punter who has found Megapari through a sportsbook search, is that the bonuses exist on the operator’s terms, the site doesn’t list Trustly, and the regulatory position is offshore. As an unlicensed bookmaker, it falls outside the New Zealand harm-minimisation framework.

Boomerang Bet — three verticals on one account, two welcome structures, and no Trustly

Boomerang Bet is an offshore casino, live casino and sportsbook on one account. The English site advertises a first deposit bonus of 100% up to EUR 100 and a casino welcome of 100% up to EUR 500 plus 200 free spins. The product is broad and the cashier is the operator’s. Trustly is not on the list.

Using an offshore site invokes the regulator’s warning. The two welcome structures are determined by the operator, as is the cashier and the harm-minimisation toolkit.

The verdict, for a punter who wants a casino and a sportsbook on one account, is that Boomerang Bet is one. The operator doesn’t list Trustly, and the regulatory framework is offshore.

Thunderpick — crypto-recommended, EUR 10 minimum withdrawal, and a EUR 20 closing fee to know about

Thunderpick is an offshore crypto esports and casino brand that advertises a 100% deposit bonus up to EUR 600 and recommends crypto for fast deposits, with other payment methods also available. The terms set a minimum withdrawal of EUR 10 per transaction and a EUR 20 closing fee when an account is closed with a balance at or below EUR 20. The cashier is crypto-recommended, and Trustly is not on the list.

A New Zealand punter is on an offshore site, with the regulator’s warning in the background. The EUR 20 closing fee is the kind of condition a punter must know about before opening an account: a small balance left on a closed account costs EUR 20 to take back, and the punter who did not read the terms finds that out at withdrawal time. The minimum withdrawal is published and is small.

The verdict, for a punter who has found Thunderpick through a crypto esports search, is that the cashier is crypto-first, the minimum is small, and the closing fee is a real cost on a small balance. The platform doesn’t list Trustly, and the regulatory position is offshore.

Sports betting with Trustly: the overview, the rail, and the things a New Zealand punter has to know first

Trustly is a Stockholm-based open-banking payments company, founded in 2008, supervised by the Swedish Financial Supervisory Authority in the EU/EEA and the UK Financial Conduct Authority in the UK, with about 12,000 banks, 650 million consumers and 9,000 companies reported on the platform. The 2022 SEK 130 million fine is part of the company’s record and is a real data point about the kind of compliance pressure a regulated payment institution lives with. None of that tells a New Zealand punter whether their bank account is wired to a bookmaker the New Zealand regulator covers, and that is the gap the rest of this section closes.

The product a punter meets is Pay N Play, launched in 2016 for the gambling sector. The flow is bank-to-bank, with the punter authorising the deposit at their own bank and the merchant receiving the funds inside minutes. The advantage over a card is the absence of a card number; the advantage over a bank transfer is the speed. For a New Zealand punter the advantage is real, and the rail is the same on every site that uses it, which is exactly why the rail is not the deciding factor. The bookmaker is.

The mechanics of a Trustly deposit are the same on every site. The punter picks Trustly at the cashier, is redirected to the bank, signs in, picks the account and authorises the transfer. The merchant receives the funds inside minutes, and the punter’s account at the bookmaker is credited without a card number being typed. The receipt is in the punter’s bank statement as a normal transfer, which is part of why some punters prefer the rail: the funds show up as a bank transaction rather than as a card transaction, and the visibility is the punter’s own.

The withdrawal is the same rail in reverse, with the timing the operator chooses. The rail can be fast; the release is the operator’s call. A New Zealand punter who picks TAB NZ for the legal cover and a particular offshore brand for the cashier will find that the speed of the withdrawal is the offshore brand’s choice, and the choice is written into the operator’s own terms.

The things a New Zealand punter has to know first are the things the rail does not answer. The rail is a payment method. The bookmaker is a regulated entity. The regulator is the Department of Internal Affairs for TAB NZ and the operator’s own jurisdiction for everyone else. The harm-minimisation tools are the operator’s own terms and the regulator’s own duties. The cashier sits downstream of all of it, and the cashier is the part a punter with a Trustly search has already focused on. The order is the other way around.

A consequence, to keep the angle. A New Zealand punter who finds a bookmaker that takes Trustly is, by definition, on a bookmaker that has chosen to integrate the rail. That choice is a positive signal about the operator’s product, and it is not a signal about the operator’s licence. The licence is the operator’s regulator, and for a New Zealand punter the only lawful regulator of a sports and racing bookmaker is the Department of Internal Affairs, and the only lawful bookmaker is TAB NZ. The rail is a thing to check at a bookmaker a punter has already decided to use. The rail is not a reason to use a bookmaker.

The next section is the legality frame, with the Racing Industry Act 2020 amendment that made the monopoly, the absence of a licence register, the offshore warning the regulator has actually published, and the asymmetry between what a punter keeps and what a punter loses at an offshore brand.

Legality in New Zealand: the statute, the monopoly, and the offshore path a New Zealand punter actually faces

The law that governs a New Zealand punter’s search for a Trustly sportsbook is the Racing Industry Act 2020, as amended by the Racing Industry Amendment Act 2025. Section 74AAA, inserted by the 2025 amendment and in force since 28 June 2025, says that no person other than TAB NZ may offer racing betting, sports betting or other racing or sports betting to a person in New Zealand, regardless of where that person is resident or incorporated. The Department of Internal Affairs told providers serving New Zealand to withdraw with immediate effect, and the law puts liability on the offshore operator. There is no licensing route for another bookmaker and no licence register for betting, because there is only one lawful operator.

The regulatory frame is the Gambling Act 2003, with the Department of Internal Affairs as the regulator; the Gambling Commission (UK) — a body that hears complaints against the regulator’s decisions in the UK, not New Zealand — sits on top of the framework there, but in New Zealand, the Racing Industry Act 2020 sits on top for racing and sports. TAB NZ is the holder of the racing and sports monopoly and pays a Problem Gambling Levy of 0.74% to fund harm minimisation; Safer Gambling Aotearoa and the Gambling Helpline at 0800 654 655 (text 8006) sit on top of the funding. The Online Casino Gambling Act 2026 licenses online casino gambling only and does not extend the betting monopoly; a TAB NZ casino licence, if it is granted, is a casino licence, not a sports-betting one.

The greyhound question is its own. Greyhound racing is closing in stages from 1 August 2026, and from that date offshore operators may not take bets on greyhound races either, because there is no longer a New Zealand greyhound product to bet on. The ban on offshore sports and racing betting covers events held inside and outside New Zealand; the law does not need to name an event type to make the position clear.

The TAB and Betcha brands are the two online skins of TAB NZ, run by Entain under a 25-year agreement signed in 2023, with a 50/50 share of gross profits and at least $150m a year going to TAB NZ for the first five years. The punter who reaches TAB or Betcha is reaching the same operator under one of two labels, and the safer-gambling boundary is the operator, not the brand. The Racing Industry Act 2020 also defines the age for betting as 18, lower than the 20 at land-based casinos, and betting under 18 is an offence under section 89. The punter who is 18 and 19 can bet with TAB NZ; the punter who is under 18 cannot bet with anyone.

The harm-minimisation duties TAB NZ carries are the duties the monopoly was designed to enforce. Deposit limits, time-outs, self-exclusion across TAB and Betcha, the helpline, the levy, the regulator’s oversight — these are the regulatory price of the monopoly, and they are the things an offshore bookmaker is not bound to offer. The punter who picks an offshore brand has not lost the rail. The punter has lost the regulator.

What may be bet on is fixed-odds and tote betting with TAB NZ, with published bet types including Win, Place, Each Way, Quinella, Exacta, Trifecta, First Four, Double, Treble, Daily Double, Running Double, Quaddie and Big6, and Multis and Same Game Multis. Live betting is listed in the TAB NZ apps; any statutory restriction on in-play markets is not established. There is no lawful New Zealand betting exchange and spread betting is outside TAB NZ’s sports-betting definition. The punter who searches for a New Zealand exchange is searching for a product that does not exist, and the punter who reaches an offshore exchange has reached an unlicensed site, with the regulator’s warning in the background. Bets on politics and novelty markets are not established. The ban covers events held inside and outside New Zealand. Virtual sport is treated by the 2026 online casino law as casino gambling; whether esports betting counts as “sports betting” under the Racing Industry Act is not established. The punter who reaches an esports bookmaker offshore is on an unlicensed site.

There is no statutory per-bet cap; limits are TAB NZ’s own terms, and the punter who reaches a TAB NZ account has the operator’s own limits to read. The punter who reaches an offshore brand has the offshore brand’s limits, and the offshore brand’s regulator’s rules, and the New Zealand regulator’s warning.

The payments frame is a thin one, and that is the frame’s point. No statutory payment rule for betting accounts (card, bank, credit, prepaid, crypto) was found. TAB NZ’s deposit methods and limits come from its own terms, and there is no generalisation the page can make beyond that. The Department of Internal Affairs has not published a payment-blocking order; no source sets a bank obligation to refuse a deposit. Nothing states a rule on crypto or VPN use. The cashier is downstream of the licence, and the licence is the only thing a New Zealand punter’s regulator covers.

The tax frame is, on the player side, a simple one. Inland Revenue’s guidance says recreational gambling winnings are generally not taxable, and prize money from TAB horse, dog and trotting races is not taxable. A person who bets as a business is a different case, and the punter who is unsure must consult Inland Revenue or an accountant. On the operator side, TAB NZ pays the Problem Gambling Levy; overseas operators supplying New Zealand residents pay online gambling duty at 12% of profits from 1 July 2024, with a step up to 16% from 1 January 2027. A duty being payable does not make an offer lawful, and the punter who sees “duty paid” on a marketing page has seen an offshore operator’s tax position, not a New Zealand licence. The point-of-consumption charge on offshore racing and sports bets ceased on 30 June 2026.

The advertising frame is the Gambling Advertising Code, run by the Advertising Standards Authority. Ads must not target children (under 14) or young people (14 to under 18), judged by context, appeal and expected audience (an audience of 25% or more young people counts as significant where accurate data exists), must not encourage harm, and must be truthful with terms available. There is no New Zealand equivalent of a “whistle-to-whistle” ban for betting advertising. TAB NZ runs “bonus bets” promotions, and no New Zealand rule on bet-bonus size or wagering terms was found; the punter who reaches a TAB NZ promotion reads TAB NZ’s own terms.

The offshore frame is where the page lands, because the offshore path is where most of the brands on this page sit. Since 28 June 2025 an overseas bookmaker taking sports or racing bets from a person in New Zealand is breaking New Zealand law, and the Department of Internal Affairs has told providers serving New Zealand to withdraw. New Zealand does not block bookmaker sites, and the punter who reaches an offshore brand is reaching it without a block. The penalty for breaching section 74AAA is not stated in the section, and no prosecution of an offshore bookmaker was found in the public record. The punter, under section 19(4) of the Gambling Act 2003 as inserted in 2025, cannot be convicted for placing a bet with an offshore operator in breach of section 74AAA, and no source states a penalty for a player. The honest framing is that the law targets the operator, the regulator has published the risks for the player, and no published penalty for a player was found.

A consequence, to keep the angle. The punter who reads this section and decides to leave the country for a Trustly-accepting brand has read the regulator’s warning and made the call. The punter who decides to stay at TAB NZ has read the same warning and made a different one. The page is not a tip. It is a description of what the regulator has published and what the offshore path actually costs, and the cost is the harm-minimisation toolkit, the regulator’s help, and the right to complain to a New Zealand body. The rail is the punter’s choice. The licence is the regulator’s, and the regulator’s choice has already been made.

FAQ

Is Trustly accepted on betting sites in New Zealand?

Trustly is accepted on international bookmakers, but the only sports and racing bookmaker lawfully serving people in New Zealand is TAB NZ, and its cashier does not list Trustly. A New Zealand punter who wants Trustly is on an offshore brand, where the Department of Internal Affairs warns that operators may not return unspent credits or pay out large wins.

Which sports betting sites take Trustly?

International bookmakers that integrate Trustly list it on their cashier pages; research on this page did not confirm Trustly on any of the offshore brands reviewed, and the two online brands of TAB NZ — TAB and Betcha — do not carry Trustly. The cashier at any site is the operator’s own, and the New Zealand punter’s check is the operator’s terms page.

What betting apps use Trustly?

Betting apps that use Trustly are international, and the cashier is the operator’s own. The New Zealand legal position is unchanged by the rail: a New Zealand punter on an offshore app is on an offshore operator, with the Department of Internal Affairs’ published risks in the public record. The two legal apps are TAB and Betcha, both run by TAB NZ, and neither carries Trustly.

Where are TAB NZ’s accepted payment methods listed?

TAB NZ’s accepted payment methods are listed in the TAB NZ app and on TAB NZ’s own terms page; they are operator-level and come from the operator’s own terms, with no statutory list because the law does not name a payment method. The cashier changes when the operator changes it, and the punter’s check is the cashier at the time of deposit, not the cashier as it appeared in a press release.

Which bookmaker may lawfully take sports and racing bets in New Zealand?

TAB NZ is the only provider lawfully offering racing and sports betting to people in New Zealand, under section 74AAA of the Racing Industry Act 2020, in force since 28 June 2025. TAB and Betcha are its two online brands, run by Entain under a 25-year partnership. There is no licensing route for another bookmaker and no licence register for betting.

What does a New Zealand punter lose by betting with an offshore bookmaker?

The punter loses the New Zealand harm-minimisation toolkit, the levy-funded helpline, the regulator’s oversight, and the right to complain to a New Zealand body. The Department of Internal Affairs warns that offshore operators may sit in jurisdictions with minimal consumer safeguards, may not return unspent credits and may not pay out large wins. The rail — Trustly or any other — does not change that list.

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