Silver Oak Casino was launched in 2009 and runs on downloadable Realtime Gaming (RTG) software with a mobile-friendly instant play option. Aside from RTG games, the casino also offers a bunch of Spinlogic titles for a total of 260+ slots and other casino games. So far, so good.
Things continues to look promising with the modest 100% Welcome Bonus with free spins, but reading the terms and conditions will make it clear that any casino bonuses offered by Silver Oak have a negative expected value. And it only gets worse from there. The more we delved into the history of Silver Oak Casino, the more alarming the company appeared.
Silver Oak Casino is owned by BTK Ltd Casinos, a subsidiary of Crystal Palace Group. The group itself is linked to Ace Revenue, a rogue casino operation defrauding iGaming enthusiasts since 2002. The tactics used by this group of scammers is simple: They prey on low-information players by offering interesting bonuses and easy registration and then void their winnings due to disingenuous terms of service or delay payments until the victim gives up.
The casino typically pays out when both of these tricks fail, and the customer seeks third-party arbitration, but if you make the mistake of making a deposit to one of their casinos, do not expect the withdrawal process to be smooth.
Silver Oak Casino has been able to defraud customers and employ stalling tactics for years because they are based in Costa Rica, a jurisdiction that allows local businesses launch international online casinos without providing provide any legal oversight. Costa Rica does not even have a regulatory body or gambling commission, so casinos like Silver Oak effectively operate without a license.
Thus, you will not find any licensing information on Silver Oak’s website. In fact, the casino is trying to deliberately mislead customers about its legal situation and compliance with US gambling laws:
None of the logos displayed on the screenshot above are clickable here, and none of the listed companies have anything to do with Silver Oak, Crystal Palace Group, or Ace Revenue casinos. In fact, the casino has clearly used these logos to provide “proof” that they are operating legally. But in truth, these reputable organizations have nothing to do with Silver Oak.
Net Nanny and Gamblers Anonymous are independent organizations that work to prevent gambling from people under the legal age for betting, as well as help people with gambling addiction problems. Gaming Labs is a reputable software testing company, but they deal with Realtime Gaming rather than Silver Oak. Silver Oak’s owners simply give their customers access to RTG software that was vetted by GLI.
As mentioned above, Silver Oak Casino rips its customers off by weaponizing terms of service against them. If you claim one of Silver Oak’s numerous bonuses, you will immediately be subjected to strict game restrictions and bonus restrictions, a very demanding 30x playthrough, and a deposit-based withdrawal limit:
Thus, if you deposit $500, you will have to wager at least $15,000 to request a payout. If you play a restricted game or make any other mistakes, your winnings will be voided. And if you hit a jackpot and somehow avoid this mathematical trap, your maximum withdrawal will be limited to $500 x 10 = $5,000. And if you get to that point, Silver Oak will subject you to ridiculous processing times, split your payout into several weekly instalments, and start deliberately introducing “unexpected” delays and problems, often without explanation.
According to the terms of service, the withdrawal time for a $5,000 payout would be 7 to 10 business days for initial processing (this is when they look for a pretext to void your winnings), and then an additional week for every $2,500 instalment. That’s an entire month to cash out a modest sum, and things rarely happen right on schedule with these frauds. For context, the fastest paying online casinos issue withdrawals within as little as 1 hour, highlighting how slow and unfair Silver Oak is acting.
Silver Oak Casino’s customer support is notorious for engaging in stalling tactics and generally making things difficult for players who manage to turn a profit despite all the unfair terms. Once you request a payout, you can expect them to introduce delays at every step of the process, stop communicating with you, and generally play dumb.
Players who get paid typically circumvent these cruel customer service tactics by asking for third-party arbitration. For some reason, most Ace Revenue casinos are afraid to refuse cash-outs outright, so most of these stories end with customers getting their money back.
However, the entire process is neither short nor pleasant, and all evidence indicates that players who do not seek outside help simply get defrauded here. Silver Oak likely pays people who seek arbitration only to maintain a thin veneer of credibility. Even then, they do have some unresolved disputes:
It should come as no surprise that the man responsible for the creation of Silver Oak Casino is not exactly a pillar of society. The entire Ace Revenue network is owned by Navtej “Tej” Kohli, a convicted criminal who had to serve four years in federal prison after playing an instrumental role in organizing a mail fraud operation in California.
Trying to defraud property owners did not turn out well for him, so he switched to a safer business. Unfortunately, Costa Rica turned out to be an excellent place to run a rogue online casino operation, and thus we are stuck with Mr. Kohli and his unsavory casinos until the Costa Rican government decides to do something about all the fraudulent gambling sites operating from within their country.
Silver Oak and other Ace Revenue casinos exist only to make life miserable for online gambling enthusiasts and legitimate casino owners who want to launch honest new casinos in lenient jurisdictions. These people do not care about their customers or the industry in general; all they care about is making a quick buck at your expense. Do not give them your money or the time of day.
Our team reviewed Silver Oak Casino’s game library and promotions before its questionable practices came to light. We’ve since blacklisted the casino. Our original review remains below for reference purposes only.
Silver Oak Casino offers over 130 slots and table games in its lobby. As with other casinos in the group, such as Planet 7, all online gambling is provided by RealTime Gaming. All RTG software can be played online or downloaded to your PC. This gives you access to every Silver Oak game with no need to access a web browser or internet access.
Overall, the range of games is pretty comparable to Silver Oak’s sister casinos. Games are divided into categories, such as online slots, table games, video poker, and specialty games. However, most of the best games are reserved for the download casino version. For example, you can install games such as Let’em Ride and European Roulette, which aren’t available in the Webplay version.
There are no live dealer games at Silver Oak Casino, but that’s to be expected at an online casino that doesn’t have the required licensing. You may want to hunt elsewhere if you want to play against live croupiers — these live dealer casinos should point you in the right direction.
| Game | Number |
|---|---|
| Slots | 124 |
| Blackjack | 3 |
| Roulette | 1 |
| Table Poker | 1 |
| Video Poker | 14 |
| Specialty games | 4 |
| Live casino games | None |
Online slots make up the biggest part of Silver Oak Casino’s game inventory. There are over 120 slots on offer, all available to USA players.
The overall game selection is good but most slots are of the 5-reel variety. Standout games include Bubble Bubble Trio, Bonkers, Asgard, Asgard Deluxe, Sparkling Wilds, and 5 Wilds. Check out some more classic slots such as RTG’s 777.
In addition, Silver Oak Casino boasts around 60 slots with progressive jackpots. The progressive jackpots are linked across all participating casinos. That said, the total jackpots rarely get into the high five figures. Our Silver Oak Casino Review unearthed a handful of jackpot slots such as Cleopatra’s Gold that had jackpots touching $41,000.
Don’t forget, you can download most of the video slots or play for nothing through the Webplay version of the site. You can even access dedicated slot deposit bonuses at Silver Oak Casino.
RealTime Gaming offers a variant of blackjack both for the download and instant-play sites; however, there aren’t as many varieties of the game as you might find at the best blackjack online casinos.
At Silver Oak, you can enjoy gambling on straight blackjack with an insurance bet that pays 2/1 if the dealer hits a natural. Look out too for Suit ‘Em Up Blackjack with special payouts on side bets. Play for free in Practice Mode or risk real money with instant play. With Suit ‘Em Up, you get paid 60/1 if you hit suited aces and 10/1 on a suited blackjack.
You can access a range of online casino roulette variants at Silver Oak. However, USA players have a limited game selection if they use the Webplay version of the Silver Oak software. Currently, there is just European Roulette available for instant playing. The download casino software are Silver Oak offers a few more variants, including European Roulette, American Roulette, and French Roulette.
French Roulette has the best house edge overall at 1.35%. This exciting roulette variant is available at many US online casinos. You can save half of your even-money wager if the ball lands in the green zero pocket.
Multiplayer Roulette would be our pick of the bunch. The Silver Oak Casino game allows multiple players to roll the wheel instead of one and is much faster than the original.
Silver Oak Casino doesn’t spread a whole bunch of poker games. However, you can play a version of 3-Card Poker exclusively from RealTime Gaming.
We recommend Tri Card Poker if you’re looking for a Silver Oak Casino game along the lines of 3-Card Poker. Beat the dealer with your 3-card hand and earn a prize. You can also earn winnings on Pair+ side bets. You win 40/1 with a straight flush and 30/1 with 3-of-a-kind. Simply hitting a flush gets you 4/1.
When it comes to video poker, the situation is a lot better. Silver Oak casino has 16 video pokers in total which are a big hit with poker enthusiasts.
For those unaware, they pair the best of slot machines with the game of video poker. In these virtual machines, you’ll be playing against a computer instead of a dealer, getting all the iconic variants such as Deuces Wild, Joker Poker, and Jacks or Better among others.
Silver Oak Casino spreads a host of alternative online gambling variants for poker fans. There is video poker in the Webplay casino and European Slot Poker for the download players.
The video poker game selection is pretty impressive. There are 14 no-download games available, including Jacks of Better, Joker Poker and Loose Deuces. There’s also the chance of earning big payout in Double Double Jackpot video poker.
Loose Deuces is one of our favorite games at Silver Oak Casino. The game uses some pretty graphics and betting options such as the chance to gamble and double your payout. You also win a special payout for four-of-a-kind and hitting a royal flush that contains a wild.
Silver Oak Casino offers a few titles that are listed under the ‘Specialty Games’ tab. In reality, these “specialty games” cover everything from American Roulette to bingo and craps.
As mentioned, the range of download games at Silver Oak Casino is bigger than those found in the Webplay lobby. You can download Craps, European Slot Poker and French Roulette, as well as instant-play games such as Banana Jones.
The Webplay lobby at Silver Oak Casino offers just four titles, including instant-win games like Fish Catch and Keno. We do like RealTime Gaming’s Sic Bo variant, however, which brings the traditional Asian dice game to USA players.
Bonus Bingo is a nice addition to the download casino at Silver Oak. The computer picks 44 balls at random which are covered on your cards. You earn winnings by covering set patterns or the entire card.
It’s good to see Silver Oak Casino paying attention to the different wants of USA players. These games aren’t the most frequently played in Silver Oak, but they offer a good change of pace if you’re in the middle of a tough blackjack session.
This is the part of the Silver Oak Casino review that’s easiest to put together. There is just one software provider at the casino: RealTime Gaming, as at other sites in the same group.
RTG offers the full suite of games, from slots and Tri Card Poker to Loose Deuces and roulette. That goes for both the Webplay and the downloadable version of the casino site.
In our opinion, the personal experience would be enhanced with more games and slots. Any self-respecting online casino in 2023 should offer more developers and games, whether it’s Perfect Pairs, more jackpot games or live dealers. The lack of a proper gambling license at Silver Oak Casino means you should probably steer clear in any case.
One of the highlights of Silver Oak Casino is its instant-play options. Whether you play through a browser or use the downloadable version, you can click the Practice Play button to try games for free.
You will be awarded with free chips to use on over 130 video slots, progressive jackpots or other games like European Roulette. Free chips are non-cashable and you can’t claim any winnings from them. It’s like having free money in your account so you can “try before you buy”.
We already know that Silver Oak Casino has a bad rep among casino players for its payments and security. By playing for free you can gauge for yourself whether Silver Oak Casino warrants you claiming that initial bonus offer.
Our Silver Oak Casino review unearthed a site bursting with bonus offers and regular deals. You can start with a big welcome offer and follow up by claiming reload bonuses or joining a VIP program.
It all kicks off with a massive welcome offer worth $10,000 spread across your first ten deposits. While most of the competition offers one or two initial deposit matches, Silver Oak ramps it up to ten.
Here’s the catch: the Silver Oak Casino first deposit bonus is only available on the download site. You need to install the software or download the mobile casino to claim your offer.
Luckily, the new mobile casino at Silver Oak Casino is available for a range of portable devices. Do we trust that Silver Oak Casino will actually deliver on its bonuses when you start playing? That’s another matter.
As for the Webplay version, you can claim a 230-240% deposit bonus with as little as $30. Just make a cash transfer or deposit with your credit card to earn matched funds to use on eligible games.
And that’s just the beginning of the bonus odyssey. There’s a so-called Crewpon offer that combines a bonus with a free chip. The latter grows bigger the more bonus claims there are. That’s a 240% boost on a deposit with an initial chip of $25. However, share the bonus code with others and let them use it on deposits, and the free chip will go wild and wilder.
Other than that, there are recurring cashback bonuses, monthly $10K prize draws, and regular tournaments and challenges that will give you extra cash to play with.
| Promotions | Wagering requirement | Min. deposit | Promo Code |
|---|---|---|---|
| $25 no-deposit bonus | 30x | None | SILVER25 |
| $50 no-deposit bonus | 30x | None | SILVER50 |
| $100 no-deposit bonus | 30x | None | FREESILVER |
| $10,000 welcome bonus | 30x | $30 | SILVEROAK1 |
| $777 re-deposit bonus | 30x | $30 | 777REDEPOSIT |
Your Silver Oak journey begins with a ten-deposit welcome bonus, which sounds too good to be true. Unfortunately, it is.
The casino promises to give up to $10,000 for free to new Silver Oak Casino players, shelling out boosts on your first ten deposits. Silver Oak certainly isn’t shy about retaining customers. They’re all 100% deposit bonuses up to $1,000 and come without free chips or free spins.
To claim these Silver Oak casino offers, you need to enter a bonus code. It’s SILVEROAK1 for the first, then you just swap the number until your 10th deposit. The bonus must be wagered at least 30 times on eligible games which include slots, scratch cards, bingo, and keno. The wagering terms go up to 60x on winnings.
The online casino accepts Bitcoin and Litecoin for a first deposit, but it doesn’t have a dedicated crypto welcome bonus. This is a shame, as many of the best offshore casinos offer some sort of exclusive deal for crypto casino players.
Silver Oak Casino runs regular bonuses for new players and loyal customers alike. Members-only bonuses include 240% reload bonuses and free chips to use on games of your choice.
Plus, there’s a monthly prize draw where one lucky Silver Oak Casino player receives $10,000 in cash credit. All you need to do is keep playing your favorite slots and games, hitting the Perfect Pairs, or jamming the keno cards.
There aren’t many recurring bonuses at Silver Oak Casino other than the cashback offer. It allows regular players to keep coming back with 30%-50% resets depending on the deposit amount.
The extra money should be wagered 30x before withdrawal. This bonus is available all year round, but the minimum deposit is a bit high at $1,000 and is only available on deposits where you haven’t claimed a bonus.
There’s no such thing as a referral bonus at Silver Oak Casino. The Crewpon promotion comes close to it, but it doesn’t work the way you think.
This one promotes teamwork and requires you to use the bonus code CREWPON, which gives you a guaranteed $240 deposit bonus at any time and a starting $25 free chip.
The more people you share the code with and the more players make a deposit and claim the bonus, the bigger the free chip. Silver Oak Casino will accept players every time you use this bonus.
As with all real-money online casinos in Silver Oak’s group, wagering requirements for bonuses can vary massively from deal to deal.
We already mentioned that each bonus has different wagering requirements depending on the games you want to wager it on. If you choose slots or keno, then they count 100% toward the wagering requirements. Video poker and table games need to be wagered 60x.
It’s a little different from traditional contribution rates that can make the Silver Oak Casino bonuses prohibitive. Plus, of course, there’s also the matter of restricted games for every individual casino bonus.
That’s quite an unusual structure for wagering requirements and puts fans of table games at a disadvantage. Most players will go for slots, not even taking into account the factor that they can pay more than a single round of blackjack or poker.
There are other terms that you should also be aware of. We expect a reasonable time frame for every deposit bonus or regular promotion. And while the welcome offer covers several deposits, Silver Oak Casino scores badly for withdrawal times and friendly bonus rules.
For example, Silver Oak Casino requires every withdrawal to exceed the sum of the deposit + bonus. If you deposit $100 and get $100 as a bonus, your withdrawal must be over $200 in order to be valid. Any promotional offers can only be redeemed by players without existing account balances and with no pending withdrawals.
As we mentioned earlier, the wagering requirements and the whole promotional terms in Silver Oak Casino are strange at best. We’ve rarely seen another casino with a similar terms structure, and we think the terms are wound up that way intentionally to the disadvantage of players. It’s another pointer that this isn’t a safe casino, so you’re better off looking elsewhere.
Claiming the Silver Oak welcome bonus is simple. The casino doesn’t require any unnecessary steps for it, so you should only register online or through your mobile device and enter a valid promo code to get started.
Head to silveroakcasino.com and look to the right top corner. Click the Sign Up button to start creating your account by filling out the required information.
Start by providing your name, email address and home address. You must also create a unique password to use at Silver Oak Casino.
You won’t have to provide the last 4 digits of your Social Security Number (SSN). However, you will need to click on the verification email in your inbox to complete the signup process.
Log in to your Silver Oak Casino account and claim your deposit bonus. Open the cashier tab online or via your mobile device and make a first deposit. You can also enter a coupon code to trigger each of the 10 deposit bonuses before you start to play.
Choose a payment option, enter the desired amount, and get your money right away. You will also get one of the 10 welcome bonus boosts: just make sure to use the bonus codes.
Once your account is funded, you’re welcome to enter the Silver Oak Casino game library and begin to play. Try games for free or hit a real-money game and earn winnings.
Silver Oak casino is not one of those slot-centric sites that are so popular in 2023. However, it’s not that diverse of a casino as well. As a matter of fact, the fact that there’s no live casino is a big bother for us, and will most likely baffle other players too.
All reputable online casinos in the industry have a live casino. Live dealer games are the ultimate achievement in the online casino industry, allowing you to enjoy gambling like it was meant to be.
It’s the closest experience to Vegas you can get in a virtual way, beaten only by defeating dealers in person. Have you ever tried those Wheel-based game shows that pay tribute to the best slots or TV game shows? They’re a blast, and every player should be able to try them. No such luck in Silver Oak casino.
Since it’s an RTG casino, and since RealTime Gaming doesn’t have live casino games, it makes sense that Silver Oak Casino doesn’t have them.
You can make a deposit into your Silver Oak Casino account using a mix of traditional bank cards and transfers. You can also transfer cryptocurrencies such as Bitcoin and Litecoin.
Watch out for the minimum deposit and withdrawal limit when you fund your Silver Oak Casino account. New players from the US may be surprised by the limitations on what you can and can’t deposit.
Silver Oak Casino accepts a tiny handful of casino deposit options for all new players and regular customers. As a credit card casino, you can deposit fiat currency like USD using your Visa or MasterCard. However, the limit is tight at $50 to $1,000, especially when compared to top Visa card casinos.
Alternatively, you can deposit up to $5,000 per day by credit card if you contact Silver Oak Casino by phone or live chat. Additionally, you can make cash transfer over the phone up to $1,350. That amount is per transaction, so you can play with a lot more during the week.
If you prefer using cryptocurrencies, Silver Oak also functions as a Bitcoin online casino. Litecoin, American Express, and Discover have their logos on the bottom of the Silver Oak Casino homepage too, so we trust those deposit methods are also available.
Here’s a preview of the listed options:
| Deposit method | Minimum | Maximum | Fees |
|---|---|---|---|
| Visa | $50 | $1,000 | None |
| Mastercard | $50 | $5,000 | None |
| Cash Transfer | $50 | $1,350 | None |
| Neteller | $50 | $1,000 | None |
| Bitcoin | $50 | Unlimited | None |
| Litecoin | $50 | Unlimited | None |
For all banking methods, the minimum deposit is pretty high for casual players – the bar’s set at $50. Low rollers are better off seeking a small deposit casino that allows transactions from $10 or less. Maximum deposit limits are also restrictive, apart from players using Bitcoin or Litecoin.
Also bear in mind that you will need to complete a Credit Card Agreement Form if you are using Visa or MasterCard. You will also need to upload a scan of a recent utility bill and your government-issued ID to the debit card casino site before your payment will be processed.
The withdrawal options at Silver Oak Casino are limited. You can cash out using a bank wire transfer, cash transfer or request a bank check. However, personal bank checks can take around 6 to 8 weeks to arrive in the mail. e-Wallets such as PayPal are not accepted, and credit card withdrawals are strictly off-limits.
In addition, you can request a cryptocurrency withdrawal back to your Bitcoin or Litecoin wallet. Silver Oak Casino recommends you use Coinbase, one of the industry-leading online crypto exchanges. We concur but always be wary of online exchanges which are traditionally not as secure as desktop wallets.
All the payment options are summarized below:
| Withdrawal method | Minimum | Maximum | Fees |
|---|---|---|---|
| Wire transfer | $100 | $2,500 | Not known |
| Bank check | $100 | $2,500 | Not known |
| Cash transfer | $100 | $2,500 | Not known |
Having only three options on offer is very unusual. What’s even more unusual is the minimum withdrawal which is set at $100. Most casinos set the bar at $10 or $20, so why would anyone withdraw at least $100 if they only have $70 in their account? Would you play until you hit the minimum withdrawal number and possibly lose it all?
Then there’s the maximum $2,500 withdrawal per week to be worried about. What if you hit a bigger win? The casino promises that remaining balances will be paid in upcoming weeks, but that just gives it more time to mess things up.
If we had to recommend one withdrawal method, we’d go for Bitcoin. At least your withdrawal will be anonymous unlike bank transfers where the casino’s name will show up, and there might be trouble or in the worst case, your withdrawal will get banned by the bank.
The Silver Oak Casino model looks and feels dated. It’s like going back in time to the mid-2000s when you browse the lobby and casino. You won’t be surprised to know that there is no download option for mobile devices. You won’t find a slick real-money casino app in the Google Play Store or iOS App Store.
Fortunately, you can access most of the 130+ games at Silver Oak Casino through your mobile browser. It operates well on most Android or iOS devices. Just log in through your Safari or Google Chrome browser and start playing. Try Perfect Pairs or Keno on the go or access your mobile bonuses every time you log in.
Everything is right where it should be, so navigation is pretty simple. Of course, you’ll need a stable WiFi or internet connection to use the casino on your mobile phone. But, apart from that, the only other requirement is a mobile browser, and even older phones have it.
Unlike most US online casinos, Silver Oak doesn’t offer a ready-made loyalty program. However, that doesn’t mean you can’t claim a few perks while you enjoy playing online.
The Players Rewards Card is powered by RealTime Gaming and is available to anyone who signs up to Silver Oak Casino.
It lets you play, win and cash out at many RTG-powered online casinos that are available to USA players, including Silver Oak.
With the PRC card, you get access to various bonuses, including:
We’d never recommend joining an online casino without a license, so we doubt that it’s worth making dozens of deposits until you become a VIP.
There’s no such reward that will keep a player on this gaming site. There are far bigger problems to address, so the lack of a loyalty program is not that big of a concern.
Silver Oak Casino says that it’s 100% dedicated to its customers, and will always answer any question you might have.
In Silver Oak’s defense, you can access live chat or phone support online or via mobile devices. We don’t know whether the customer support staff are located in Costa Rica, Curacao, or Timbuktu.
Silver Oak Casino support runs from Monday to Friday from 9 am until 7 pm. The casino claims to have 24-hour live chat running where you can get help on bonuses, withdrawal options, or any gambling matter.
Make sure you check out the FAQ pages at Silver Oak Casino. There’s a good guide to common questions on everything from triggering welcome bonuses to claiming your Players Rewards Card. You can also read a pretty in-depth guide to making deposits with Bitcoin.
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