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Online Gambling in Indiana: Legality & Top Picks

Indiana has a long and complicated history with gambling, from early constitutional bans to today’s regulated casinos and sports betting. The state has opened its doors to multiple forms of land-based and charitable gambling, but draws a hard line against online casinos and poker. With the Indiana Gaming Commission actrything from sports betting to lottery sales, the state takes gambling compliance seriously. Players have plenty of legal outlets ranging from tribal casinos to bingo halls, but must avoid unlicensed online platforms, which carry criminal penalties. In short: gambling is alive in Indiana, but only within tightly defined boundaries.

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Gabriela Vangelova

Content Director

26.08.2025

Updated

Indiana Key Facts

Allowed Casinos

6

Resctricted Casinos

286

American English Language Casinos

7

Casinos Accepting US Dollar

141

Popular Payments Methods in Indiana

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Online Casinos in Indiana – Reviewed by CasinoLogia

Explore our library of reviews for online casinos available in the Hoosier state, along with a convenient filter to help you search by your preferences.

Casinos: 6

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Casinos: 6

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500

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100

Total Bonus Percentage

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Online and Offline Gambling in Indiana

Indiana’s gambling market is a mix of legal opportunities and strict prohibitions. Offline, the state embraces casinos, sports betting, the lottery, charitable games, and even tribal-run facilities. Since 1993, casinos have become a centerpiece of entertainment, with riverboats later transitioning to permanent land-based operations. The Hoosier Lottery and pari-mutuel betting remain steady favorites, while bingo and charitable raffles are widely accessible.

On the digital side, Indiana’s stance is much less forgiving. Online casinos and poker remain strictly illegal under state law, with violations classified as misdemeanors or felonies depending on involvement. Still, the state broke new ground in 2016 by legalizing Daily Fantasy Sports as “games of skill,” and later went a step further by rolling out online sports betting in 2020.

Quick Snapshot:

  1. ✅ Legal: Land-based casinos, tribal casinos, sports betting, lottery, bingo, DFS, charity gambling
  2. ❌ Illegal: Online casinos, online poker
  3. ⚖️ Regulators: Indiana Gaming Commission, Indiana Horse Racing Commission, Indiana Department of Revenue, Indiana Alcohol & Tobacco Commission

Indiana balances tradition and innovation, offering physical gambling experiences while cautiously testing the waters of online betting.

State-Level Gambling Legality in Indiana

Indiana’s gambling laws are rooted in history, starting with the state constitution of 1851, which banned gambling outright. Over the decades, public attitudes shifted, prompting gradual reforms. In 1988, a constitutional amendment created the Hoosier Lottery, followed by pari-mutuel horse racing betting in 1989. Just a few years later, in 1993, the state legalized casinos, ushering in an era of riverboat gambling that has since evolved into fully land-based properties.

The most recent major milestone came in 2019, when sports betting was legalized both at physical sportsbooks and online, making Indiana one of the early adopters in the U.S. Today, the gambling scene offers a broad range of legal options, but online casinos and poker remain strictly off-limits.

Indiana Code on Gambling

Indiana Code 35-45-5-1 et seq. lays the legal foundation. It defines gambling, gambling devices, and unlawful activities. Key points include:

  • IC 35-45-5-2: Unlawful gambling is a Class B misdemeanor.
  • IC 35-45-5-3: Professional gambling or bookmaking = Class D felony.
  • IC 35-45-5-3.5: Possessing or operating electronic gambling devices can result in infractions or felonies.
  • IC 35-45-5-4: Promoting gambling by owning devices or transmitting information = felony.

For operators, knowingly running illegal online gambling carries harsher consequences than casual participation. Players face up to 180 days in jail and $1,000 fines. Operators risk felony convictions.

Gambling Taxes in Indiana

taxes iconIndiana collects gambling revenue through several channels:

  • Casinos: Pay taxes on adjusted gross revenue, generally around 15–40% depending on tiers.
  • Sports betting: Taxed at 9.5% of adjusted gross receipts.
  • Lottery: Revenue flows to the Build Indiana Fund, supporting state infrastructure and pensions.
  • Horse racing/pari-mutuel betting: Overseen by the Horse Racing Commission, taxed at lower rates.

For players, gambling winnings are taxable income at both federal and state levels. The Indiana Department of Revenue requires reporting, with state tax set at 3.23% flat rate. Winnings above IRS thresholds trigger automatic W-2G forms from operators.

Which Gambling Forms Are Legal in Indiana?

Indiana’s gambling menu is broad, but every activity has its own rules and restrictions. Here’s how each category stands today:

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Online Casinos

Online casinos are illegal in Indiana. The state’s code makes it clear: offering or operating casino-style games over the internet counts as unlawful gambling. While offshore sites target Indiana players, using them exposes users to legal risks and zero player protections. Operators face felony charges, while players can be hit with misdemeanors, fines, and possible jail time. Unlike some states exploring legalization, Indiana has shown little interest in regulating online casino play. For now, anyone seeking legal gaming must stick to licensed land-based casinos or explore permitted alternatives like lottery, bingo, or sportsbooks.

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Sports Betting

Sports betting is a success story in Indiana. Legalized in 2019, both retail and online sportsbooks are licensed by the Indiana Gaming Commission. Players aged 21+ can place bets on professional and collegiate sports, with a wide variety of wagering options ranging all the way from moneylines and spreads to prop bets and live betting. The market is competitive, with many reputable operators active in the state. Sports betting is taxed at 9.5%, feeding into state programs. Indiana’s embrace of sports betting reflects its modern approach: open to innovation, but with strict oversight to keep things secure and compliant.

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Online Poker

Online poker is not legal in Indiana. The state considers internet-based poker to fall under the category of online gambling, which is prohibited under IC 35-45-5. This means platforms like PokerStars and WSOP.com cannot legally operate in Indiana. Unlike sports betting or DFS, poker has not been classified as a game of skill, so legalization seems unlikely in the short term. Land-based casinos do host poker rooms, offering legal in-person options for fans of Texas Hold’em and Omaha. For now, Indiana poker enthusiasts must stick to live venues or travel to states where regulated online poker is legal.

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Lottery

The Hoosier Lottery has been running since 1989 and remains one of Indiana’s most popular gambling formats. Tickets are available to players 18 and older, with games including draw-style jackpots, instant scratch-offs, and multi-state favorites like Powerball and Mega Millions. Revenue from the lottery goes directly to the Build Indiana Fund, supporting infrastructure, pensions, and education initiatives. While online sales are not permitted, players can find tickets at thousands of authorized retailers across the state. The lottery represents one of the most accessible and socially accepted forms of gambling in Indiana, drawing millions in ticket sales every year.

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Bingo

Bingo is fully legal in Indiana and widely played through licensed charities and organizations. Players as young as 18 can participate, and proceeds often support local causes, making bingo a socially acceptable form of gambling. Charitable bingo operations are regulated by the Indiana Gaming Commission, which oversees licensing and compliance. Both traditional paper-card bingo and electronic variants are allowed under state law, provided the games are tied to charitable fundraising. The social nature of bingo, combined with its accessibility and community benefits, makes it a staple gambling option for Hoosiers seeking entertainment without stepping into a casino.

charity icon

Charity Gambling

Indiana has a strong tradition of charitable gambling, allowing licensed organizations to run raffles, pull-tabs, and charity game nights. These activities are tightly regulated to ensure that profits benefit nonprofit organizations, not individuals. Players can join in raffles or charity poker tournaments, provided the event is sanctioned and licensed. The Indiana Gaming Commission sets the rules, requiring full transparency from organizers. This category of gambling strikes a balance between regulation and social benefit, giving communities an approved outlet for fundraising through games of chance. For Hoosiers, charity gambling represents one of the most community-driven formats of legal play.

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Daily Fantasy Sports (DFS)

Indiana was one of the first states to formally recognize Daily Fantasy Sports as legal, declaring it a “game of skill” in 2016. Major DFS platforms operate openly in the state under regulatory oversight. Players must be at least 18 years old to participate, making DFS more accessible than sports betting or casinos. Games revolve around drafting virtual teams and competing for cash prizes based on real-world sports performance. Indiana’s proactive stance helped cement its reputation as a state willing to innovate in controlled ways, giving residents a safe and legal online gaming outlet.

social icon

Social Gambling

Social gambling, such as home poker games or casual betting among friends, is legal in Indiana under limited conditions. The activity must not involve a “house” taking a cut, and all participants must be playing on equal terms. As long as it remains private, small-scale, and non-commercial, social gambling falls within the law. However, once money is collected for profit or games are organized in a business-like manner, it crosses into illegal territory. The law is designed to distinguish between friendly games among friends and professional gambling operations. Social play remains a safe, low-risk form of entertainment for Hoosiers.

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Land-Based Casinos

Casinos are one of the strongest pillars of Indiana’s gambling economy. Since the 1990s, riverboat casinos have drawn players statewide, and in 2015, legislation allowed them to transition to permanent land-based facilities. Today, Indiana hosts a mix of tribal casinos, racinos (racetrack casinos), and commercial properties offering slots, table games, and poker. The Indiana Gaming Commission regulates the industry, ensuring compliance and tax collection. Players must be at least 21 to enter casino floors. These venues contribute significant tax revenue and jobs, while also serving as entertainment hubs. Casinos remain the crown jewel of Indiana’s gambling industry.

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Banking Methods for Gambling in Indiana

Banking options for gambling in Indiana depend on the activity and platform. For land-based casinos and sportsbooks, the usual cash, debit, and credit card transactions are standard. Players can withdraw winnings directly at casino cages, making the process straightforward.

For online sports betting apps, the range is broader:

  1. 💳 Credit/Debit Cards (Visa, Mastercard)
  2. 🏦 ACH/eChecks
  3. 💸 PayPal and Skrill
  4. 🏪 PayNearMe (cash deposits at convenience stores)

Most Indiana sportsbooks emphasize fast deposits but slower withdrawals, especially when banking verification is required. Winnings can usually be transferred back to the original payment method or through ACH.

It’s worth noting that online casino payments don’t apply since those platforms are not legal in Indiana. Players should avoid offshore sites promising crypto or anonymous payments, as these carry both legal and financial risks.

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Bonus Offers Accessible in Indiana

Indiana’s gambling bonuses come primarily from licensed sportsbooks and Daily Fantasy Sports platforms. With online casinos outlawed, Hoosiers won’t find traditional casino deposit bonuses, but they can still claim a range of sports-related deals.

📌 Common Indiana Bonus Types:

  • Welcome Bonuses: Risk-free bets or deposit matches (usually $100–$1,000).
  • Odds Boosts: Enhanced payouts on select games.
  • Parlay Insurance: Refunds if one leg of your multi-bet fails.
  • DFS Promotions: Free contest entries, deposit matches, or loyalty rewards.

Land-based casinos occasionally run loyalty rewards and free play promotions for slots and table games, but these are tied to in-person visits. Lottery players benefit from second-chance drawings and promotional games linked to the Hoosier Lottery. Because Indiana bans online casinos, bonus hunting is mostly restricted to sports betting and DFS apps. Still, competition among operators means generous offers are always available. Players should carefully check terms and conditions, particularly wagering requirements, to maximize value.

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Cryptocurrency Gambling in Indiana

Cryptocurrency remains unregulated in Indiana’s gambling framework. None of the state’s licensed sportsbooks, DFS sites, or casinos currently accept Bitcoin, Ethereum, or other digital assets as payment. Some offshore operators advertise crypto casinos or poker sites targeting Indiana players, but these fall outside U.S. law. Engaging with them not only risks funds due to lack of oversight but also exposes players to potential prosecution under Indiana Code. That said, crypto’s popularity continues to grow. Many players view digital coins as private, fast, and secure, but until state regulators embrace blockchain payments, Hoosiers are limited to fiat banking methods.

🚫 Key Reminder: Using crypto on unlicensed platforms may sound tempting but carries both legal and financial dangers.

Looking ahead, Indiana lawmakers have not yet introduced any serious bills to integrate cryptocurrency into gambling. Given the state’s cautious but progressive approach (seen with DFS and sports betting), crypto adoption may eventually enter the discussion, but it’s not on the immediate horizon. For now, Indiana gambling is strictly tied to cash and traditional digital banking.

Psychology and Responsible Gambling in Indiana

Indiana takes responsible gambling seriously, embedding protections into both online and offline markets. The state acknowledges that while gambling can be entertaining, it carries risks of addiction, financial harm, and psychological strain.

Player Protections in Place

  • Self-Exclusion: Indiana offers statewide voluntary exclusion programs, letting players ban themselves from casinos or sportsbooks.
  • Deposit and Wager Limits: Online sportsbooks allow customizable spending limits.
  • Helplines: The Indiana Problem Gambling Helpline (1-800-994-8448) provides 24/7 confidential support.

Psychological Drivers

Gambling thrives on risk-reward psychology. Slot machines exploit variable rewards, sports betting taps into competitive instincts, and DFS leverages skill-based confidence. This creates a dopamine loop, encouraging repeat play. For some, this spiral can develop into problem gambling.

Community Impact

Indiana has made strides in framing gambling as regulated entertainment, not an unchecked vice. Revenue from casinos and lottery sales supports public programs, but critics warn that addiction costs can offset financial benefits. Rural areas often rely heavily on gambling as a recreational outlet, making accessibility both a strength and a risk.

Responsible Gambling Culture

Public messaging emphasizes moderation:

  • ✅ Treat gambling as entertainment, not income.
  • ✅ Set strict budgets.
  • ✅ Avoid chasing losses.

Indiana’s regulators push operators to integrate responsible gambling tools into all legal platforms, ensuring compliance and player safety. With sports betting and DFS thriving online, these measures are more relevant than ever.

Local Preferences and Gambling Habits in Indiana

Indiana’s gambling habits show a mix of tradition and modern excitement. The Hoosier Lottery is still the most common choice, with tickets sold in every corner store and players from all age groups taking part. Bingo holds its own thanks to community halls and charity ties, keeping it socially rooted. Casinos have become go-to weekend destinations, where slots and table games dominate, poker rooms attract enthusiasts, and tribal casinos add diversity beyond racinos. Since legalization, sports betting has exploded, especially around basketball, football, and motorsports, with college basketball standing out as a favorite. Younger players gravitate toward Daily Fantasy Sports (DFS), valuing its skill-based edge. At the same time, social gambling (poker nights at home or office pools) remains deeply ingrained and casual. Current gambling trends in Indiana can be summed up as:

  1. 📈 Rising: sports betting, DFS apps
  2. 📉 Declining: riverboat casinos (transitioned into land-based venues)
  3. 🔒 Stable: lottery, bingo, charity raffles

Overall, Hoosiers lean on familiar favorites like the lottery and bingo while embracing new, digital-driven betting options. The balance reflects Indiana’s culture: community-focused, competitive, and pragmatic.

CasinoLogia’s Risk Map: How Legally Exposed Are Indiana Players?

Indiana is not the most restrictive state for gambling, but it is far from the most lenient. Players enjoy legal access to casinos, sports betting, DFS, and lottery games, but face sharp penalties if they cross into prohibited online casino or poker territory.

Risk Profile

  • Low Risk: Lottery, bingo, charity gambling, social play (within limits)
  • Moderate Risk: Sports betting and DFS – legal but regulated with strict age verification and tax reporting
  • High Risk: Online casinos and poker. Engaging in these through offshore sites risks fines, jail time, and total lack of player protection

The state enforces gambling laws under Indiana Code, with Class B misdemeanors for illegal play and Class D felonies for operators. Offshore platforms often advertise to Indiana residents, but using them exposes players to unnecessary risks.

Gambling FormLegal StatusPlayer Risk LevelNotes
Land-Based Casinos✅ LegalLowLicensed, regulated, age 21+
Sports Betting✅ LegalLow-ModerateOnline & retail, taxed at 9.5%
Lottery✅ LegalLowHoosier Lottery, age 18+
Bingo✅ LegalLowCharity-run, age 18+
Charity Gambling✅ LegalLowProceeds must benefit nonprofits
DFS✅ LegalLowAge 18+, classified as skill
Social Gambling✅ Legal (limits)LowOnly private, non-commercial
Online Casinos❌ IllegalHighCriminal penalties, no protection
Online Poker❌ IllegalHighTreated same as illegal gambling
Pari-Mutuel Betting✅ LegalLowHorse racing, regulated

Indiana offers safe, legal ways to gamble, but the risks spike the moment players step into offshore online casinos or poker sites. Stick to regulated outlets to stay compliant and protected.

Your Questions About Online Gambling in Indiana Answered (FAQs)

We have answered the most asked questions about online gambling in Indiana – find the answers right here.

No. Online casinos and online poker are illegal in Indiana. Only licensed sportsbooks and Daily Fantasy Sports apps are allowed.

Technically, you can access offshore sites, but it is illegal under Indiana law. Doing so exposes you to legal risks, fines, and no consumer protection if something goes wrong.

Yes. Gambling winnings are taxable at both federal and state levels. Indiana applies a flat 3.23% state tax, and casinos or sportsbooks may issue tax forms for larger wins.

Most major banks process payments to legal sportsbooks, casinos, and the Hoosier Lottery. Transactions to offshore or unlicensed platforms may be blocked or flagged as suspicious.

Yes, you could. Playing at illegal online casinos is considered a Class B misdemeanor, with possible fines up to $1,000 and up to 180 days in jail. Operators face even harsher penalties.

It varies: 18 for lottery, bingo, and DFS; 21 for casinos and sports betting.

You’ll have no legal recourse. Offshore sites don’t guarantee payouts, and Indiana law won’t protect you. Winnings could also trigger tax obligations, even if you never receive the money.

Yes, many health insurance plans in Indiana cover treatment for gambling addiction under mental health provisions. Free help is also available through the Indiana Problem Gambling Helpline.

author image
author image

Gabriela Vangelova

Content Director

Gabriela is a visual genius with over three years of hands-on experience in the online gambling industry. Her sharp eye for detail and deep understanding of gambling psychology fuel her work across slot reviews, strategic guides, and visual storytelling. She brings logic, structure, and creativity together to decode how and why players engage with games the way they do.

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