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Higher is better, but the same game often ships at multiple RTPs — a casino chooses which version to deploy. Every major Australian bank supports PayID at the rail level — Commonwealth, Westpac, ANZ, NAB — plus all major challenger banks (ING, Macquarie, UBank, ME Bank, Bankwest, Bendigo, Suncorp). Almost all "slow PayID withdrawal" complaints are about the approval queue, not the rail itself. At well-run casinos (SkyCrown, VegasNow, LuckyOnes), the deposit lands while you’re still on the cashier page. Open your bank app, choose "Pay someone" or "PayID casino progressive jackpot transfer," paste the casino’s PayID identifier, enter the amount and reference code, and confirm.
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