Tote Minimum Deposit 2026: Methods & Limits

Tote's minimum deposit is just £5 across all methods, but there are not many to choose from, unfortunately. As of January 2026, only Visa and Mastercard debit cards are accepted alongside Apple Pay.

Below, we break down all deposit options, fees, limits, and which ones qualify for the welcome bonus.

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Tote is one of the oldest betting services in the UK, having founded in the late 1920s, making it almost 100 years old now.

Whilst it is primarily popular in the horse racing industry, the website and app take bets for a range of sports, including football. In other words, despite its roots, you can be assured that you have access to everything you may want.

Given that it supports £5 minimum deposits, there is a lot to like about Tote, even if the withdrawal minimum is slightly higher.

Below, we have collected everything you need to know about Tote and depositing funds, from the payment methods accepted to the specific terms for each.

Written by Ben Dixon

Verified by Isak Möller

Last updated 07/01/2026

Table of Contents

Tote Deposit Methods, Limits, Fees & Processing Times

Payment Method	Min Deposit	Max Deposit	Deposit Fee	Processing Time
Visa	£5	Not specified	No fee	Instant
Mastercard	£5	Not specified	No fee	Instant
Apple Pay	£5	Not specified	No fee	Instant

Tote Welcome Offers

Tote does not use bonus codes for their welcome offers, and there are no payment restrictions to consider.

Operator	Welcome Offer	Bonus Code	Claim Offer
	Betting Offer Bet £10 Get £40 in Bonuses	B10G40	Claim Offer	New customers online only. Eligibility restrictions apply. Only valid with code B10G40 on registration. £10 min qualifying bet at 1/1 (2.0) odds or greater across sports or racing (if EW then min £10 Win + £10 Place). Receive £20 Tote Credit, £10 Free Sports Bet and 50 Free Spins on a selected game within 48 hours of qualifying bet settlement. 7-day expiry on free bets & Tote Credit. Your first bet will be your qualifying bet. One per customer. UK & ROI customers only. 18+. Full T&Cs apply Gambleaware.org. Full T&Cs apply.
	Casino Offer Stake £10 Get 200 Free Spins on The Goonies Megaways	B10GET200	Claim Offer	New customers online only. Only valid with code B10GET200 on registration. £10 min stake on slots and receive 200 Free Spins on The Goonies Megaways. Free Spins credited within 48 hours of meeting qualifying criteria. 7-day expiry on code and Free Spins. One per customer. 18+. Full T&Cs apply. Gambleaware.org.

How to Deposit at Tote

Below, we have put together a step-by-step guide for adding funds to a Tote account. Thankfully, the process is very simple.

1

Enter the Deposit Cashier

Once you have logged into your account, simply tap the icon in the top right of the screen to enter the profile area of the app, then tap the 'Deposit' option.
2

Choose a Deposit Amount

Unfortunately, as there are only two deposit methods, there is no selection screen, but rather a selection at the bottom of your screen. So, once you have inserted an amount to deposit, tap your selection.
3

Enter Payment Method Information

The final step is to enter your payment method details. In our case, we had to fill in the card number, expiry date, and security number before depositing.

Tote Minimum Deposit

Given that it is one of the biggest bookmakers in the UK, Tote has a pretty big responsibility to please the customers, and having a small deposit minimum is a good way to help with this. Said and done, Tote's minimum is currently set at £5.

In recent years, several bookmakers have shifted to £10 minimums. However, with a lack of payment methods, it would have been a bad move by Tote to do so. Interestingly, the minimum for withdrawals sits at £10, which makes you wonder which minimum will change.

Tote Deposits Using Debit Cards

Given the speed of payments, we often use debit cards when testing bookmakers and this was the case here. However, we are not alone in this regard. In fact, debit cards are one of the most popular methods of payment on betting sites, including Tote.

Payment Method	Min Deposit	Max Deposit	Deposit Fee	Processing Time	Triggers Bonus
Visa	£5	Not specified	No fee	Instant
Mastercard	£5	Not specified	No fee	Instant

Tote Deposits Using Apple Pay

Aside from debit cards, there is only one more method accepted on Tote, and that is Apple Pay. It is no surprise to see it accepted on the site, given the popularity, speed and accessibility. The £5 minimum remains in place and interestingly, you can use the method to claim the sign-up offer.

Payment Method	Min Deposit	Max Deposit	Deposit Fee	Processing Time	Triggers Bonus
Apple Pay	£5	Not specified	No fee	Instant

Tote Deposit FAQs

How to deposit money on Tote?

Depositing into a Tote account is very easy, indeed. All you need to do is head to the 'Profile' menu and then tap 'Deposit'. Then, select your payment method and how much you would like to add.

How long does a Tote deposit take?

Whichever method you choose, you can be assured that Tote will process your deposit instantly, meaning you can quickly place bets if you need to.

Why won't Tote let me deposit?

Once you have registered for a Tote account, you should be able to deposit straight away. However, you may need to verify yourself if the Know Your Customer process has failed. This is not an issue, though, and it is easily solvable.

More Tote Guides

Tote Withdrawal Times

Tote Sister Sites

Tote Promo Codes (January 2026)

Ben Dixon

Last updated: 07/01/2026

Ben is an accredited football journalist who follows anything from League One to Serie A, also working for the likes of SempreMilan and Total Italian Football. As an avid punter, he has become the master tester at BettingLounge, refusing to take bookies by their words when it comes to withdrawal times and much more.

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