Three main prepaid voucher options serve AU punters at offshore casinos. This guide compares each on the metrics that actually matter: purchase fee, AU retail distribution, denomination range, casino acceptance, redemption speed and return policy.
| Attribute | Neosurf | CashtoCode | Flexepin |
|---|---|---|---|
| Issuer HQ | France (ACPR-regulated) | Malta (Malta Financial Services Authority) | Australia (Novatti Group, ASX:NOV) |
| AU retail distribution | Widest — Coles, 7-Eleven, Aus Post, newsagents | Narrower — select 7-Eleven, some newsagents | Growing — 7-Eleven, Coles Express, service stations |
| Common denominations (AUD) | A$10–A$500 | A$10–A$200 | A$20–A$500 |
| Typical AU purchase fee | 3.5–15% (drops with size) | 3–12% | 3–10% |
| Casino acceptance | Widest — most AU-facing offshore casinos | Selective — big brand adoption | Growing — established since 2018 |
| Partial-balance retention | Yes (via MyNeosurf online account) | Depends on casino | Depends on casino |
| Dormancy fee | Monthly deduction after 12 months | Monthly after ~12 months | Monthly after 12 months |
| Redemption speed | 2-15 min | 2-15 min | 2-15 min |
| Withdrawal-side use | No — one-way | No — one-way | No — one-way |
Founded: 2004 in France. Regulator: ACPR (French banking authority). Ownership: Neosurf Cards SAS.
Product model: Prepaid voucher. Purchase for cash / card, receive a 10-digit PIN, redeem at online merchant. Optional MyNeosurf online account stores unredeemed balance across multiple vouchers.
AU distribution: The most widespread. Physical availability at:
Fee structure: Voucher purchase price includes a commission that ranges from ~15% (A$10) down to ~3.5% (A$100). Large denominations are much more efficient per-dollar.
Casino acceptance: Neosurf has been the AU-facing offshore casino standard since about 2016. Widest current acceptance. Best supported by RTG-focused brands (Fair Go, Ozwin, Two-Up, Uptown Aces) and by ToyStory9-style multi-provider brands.
Best for: punters who want maximum retail flexibility and widest casino acceptance. Best-in-class for casual users buying at their local Coles or 7-Eleven.
Detailed guide: Neosurf casinos AU guide.
Founded: 2016 in Malta. Regulator: Malta Financial Services Authority (MFSA). Ownership: Cash2Code Limited.
Product model: Slightly different from Neosurf. CashtoCode generates a barcode voucher at the point of casino cashier — you take that barcode to a partner retailer, pay cash, and the transaction credits your casino balance in real time. The voucher isn't pre-purchased; it's request-and-pay at time of deposit.
AU distribution: Retail network smaller than Neosurf. Selected 7-Eleven, some independent retailers via CashtoCode's partner locator.
Fee structure: Retailer fee ~3-12% depending on transaction size. Some retailers add a small handling fee (A$1-2).
Casino acceptance: Growing, especially at larger multi-jurisdiction offshore brands. Not universally supported at smaller Australia-focused casinos.
Best for: punters who want to skip the "buy voucher first, then redeem later" step. CashtoCode's model is deposit-initiated — you request from the casino, pay at retailer, done.
Trade-off: narrower retail network in AU limits everyday convenience.
Founded: 2016 in Australia. Regulator: AUSTRAC-registered under AU AML framework. Ownership: Novatti Group (ASX:NOV) — publicly listed on the ASX.
Product model: Prepaid voucher, similar to Neosurf but Australia-designed and AU-first distributed. Denominations up to A$500 single voucher. 16-digit PIN (longer than Neosurf's 10-digit).
AU distribution: Growing. Currently at 7-Eleven, Coles Express (petrol stations), select newsagents, and some independent convenience stores. Retail footprint expanding through Novatti's Flexewallet partnership network.
Fee structure: Purchase fee 3-10% depending on denomination. Slightly better at high denominations (A$500 voucher is ~3% fee, cheaper than same-value Neosurf).
Casino acceptance: Established since 2018. Present on most tier-1 AU-facing offshore casinos, though not universally as broad as Neosurf.
Best for: punters who want an AU-issued voucher, higher single-denomination cap, and a public-company issuer they can look up on the ASX.
Trade-off: narrower retail network than Neosurf; some casinos support Neosurf but not Flexepin (or vice versa).
Neosurf. Widest availability at Coles / 7-Eleven / Aus Post — you can pick up a voucher on a Sunday shop without going out of your way. Casino acceptance is broadest, no lookup needed.
Flexepin. Single voucher up to A$500 without splitting purchase across multiple vouchers (which multiplies fees). Cheaper effective rate at large denominations.
Flexepin. Australian-owned, ASX-listed parent. Regulatory relationships with AUSTRAC. Some punters prefer the ASX-listed governance layer.
CashtoCode. Deposit-initiated at cashier, pay at retailer in real time.
Neosurf. MyNeosurf online account lets you consolidate partial balances across multiple vouchers.
Indicative fees observed at AU retailers in 2026. Actual can vary by store.
| Denomination | Neosurf fee | CashtoCode fee | Flexepin fee |
|---|---|---|---|
| A$10 | ~15% | ~12% | n/a (min A$20) |
| A$20 | ~7.5% | ~8% | ~10% |
| A$50 | ~4% | ~5% | ~5% |
| A$100 | ~3.5% | ~4% | ~4% |
| A$500 | ~3.5% | n/a (max A$200) | ~3% |
Rule of thumb: bigger denomination = cheaper effective rate. Never buy A$10 vouchers if you plan to deposit A$100 — buy one A$100 instead.
All three are legal to purchase and use in Australia. All three operate through regulated payment institutions. Flexepin's AU-based / ASX-listed structure gives it the closest local governance connection, but functionally the legal status is the same.
Yes — some casinos let you deposit with Neosurf one day and Flexepin another day. Each deposit is independent. However, some operators track cumulative deposit patterns for AML and may query if you're rotating vouchers to obscure activity.
No — the voucher purchase is a retail purchase. Under IT 2655, gambling winnings for recreational punters are non-assessable. See ATO gambling tax guide.
Return to the retailer with the receipt. Each voucher issuer has a defect / lost-PIN policy — the retailer processes on their end. Timing: usually 3-7 business days.
Depends on the operator. Most cap voucher deposits at A$1,000-A$5,000/day per user for AML reasons. Above that, you'd typically switch to a rail like PayID or crypto.
18+ · Responsible gambling: Voucher-based deposits build a hard cash ceiling into your play. That's healthy structure — but the temptation to buy "just one more" voucher during a losing session is real. Gambling Help Online 1800 858 858.