Silver Oak Casino Review and FAQ

Silver Oak Casino Logo
  • Established - 2008
  • Website - www.silveroakcasino.com
  • Licensed & Regulated in Costa Rica
  • Mobile Compatible: YES
  • Cashout Time: 10+ Days
  • US Players? - YES
Products Available
  • Sports Betting
  • Live Betting
  • Casino Games
  • Live Dealer Casino Games
  • Poker
  • Bingo
Bonus Details
  • Welcome Bonus Up to $10,000
  • Monthly $10,000 Drawing
  • Cash Back Bonus - Up to 60%
Banking Options
  • Visa
  • MasterCard
  • Debit Cards
  • Neteller
  • Other...
  • Bank Wire
  • Check

Silver Oak Casino has been in the online gaming business for over seven years, and during that time they've continued to improve their image and overall standing within the industry. Their partnership with Realtime Gaming ensures patrons of a wide selection of options, and the site has made a conscious decision to avoid sportsbook and poker options in order to better concentrate on pleasing the casino gaming crowd.

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What Makes Silver Oak Casino a Great Choice?

The biggest selling point for Silver Oak is their wide selection of games that includes almost 170 options. Their diversity is also something to be admired, as they feature big bonuses, mobile gaming, and a strong customer support team. A lot of casinos would only be able to claim one of these items, but Silver Oak has these and many others to brag about.

For those who live in the United States, another advantage is that the site accepts American players despite the continued existence of the much-hated Unlawful Internet Gambling Enforcement Act. Since a lot of the leading names in the gaming industry still stay far away from the U.S. market, the refusal of Silver Oak to knuckle under to a repressive law and the cronies of Sheldon Adelson is admirable.

Is the Site Safe?

Thanks to the reliance on RTG software, you can always count on the games at Silver Oak delivering a fair session to their players. The site also utilizes state-of-the-art security software, so transactions and credit card information is consistently protected from would-be thieves. If you ever have any questions about security, you can also reach out to their customer service department 24/7 for additional assurances.

Bonuses and Rewards Programs

In order to attract customers to their site, Silver Oak has established a competitive series of bonuses for their players. And in order to keep new players coming back, they've also created a VIP program to reward frequent patronage. This section discusses both in detail.

Their main promotion is directed at new players, and it awards a 100% matching bonus up to $1,000 on each of the first 10 deposits. That's a total of $10,000 just for putting money into your account. The wagering requirements for the bonus are 30x for slots and 60x for allowable table and video poker games.

Silver Oak Welcome Bonus

Each month, the casino also holds a drawing to award one lucky member with $10,000. You must make at least three deposits during the month to be eligible, and the wagering requirements are the same for the $10,000 sign-up bonus.

If you deposit more than $1,000 and don't take advantage of a deposit bonus, then you'll be eligible to get back some of the money you've lost while playing. This amount starts at 30% and rises to 50% for amounts over $10,000. You will, however, need to wager 30x the cash back amount before you're able to withdraw it.

The site also offers a different promotion every day of the week. I won't go into detail since they change all the time, but they're on par with anything offered by other casinos you might be familiar with.

For players who expect to be doing a lot of gambling at the casino, Silver Oak also offers their Centurion VIP Program. Wagering money earns you comp points, and your level in the program is determined by how many points you're able to accumulate. I've listed the levels below, along with some of their most notable benefits:

  • Centurion – Table limits are doubled; access to special promotions; 1 comp point for every $10 wagered
  • Silver – 4x table limits; 10% monthly insurance; $150 free chip; 1 comp point for every $7.50 wagered
  • Gold – $250 free chip; 1 comp point per $5 wagered; 15% monthly insurance; faster withdrawals; personal account manager; 8x table limit
  • Platinum – $500 chip; 20x table limits; personal VIP host; exclusive gifts; 17% monthly insurance; 1 comp point per $5 wagered
  • Ultimate – $1000 chip; personalized bonus template; 20% monthly insurance; 40x table limits; 1 comp point per $2 wagered; personal VIP host; rewards on special occasions; faster withdrawal times

Mobile Gaming

Silver Oak has offered a mobile option to their players for a while, and it continues to improve as innovations are made in the portable technology sector. In order to access their mobile site, all you have to do is type the casino URL into your iPhone and follow an easy sign-up process. You'll need an iPhone 4 or higher to take part, and this is currently the only mobile device that they support.

Blackjack is one of the available games, but almost all others are slots. There are some great titles, however, and many of them are leading titles from RTG's Real Series. These include the following:

  • T-Rex
  • Cleopatra's Gold
  • Naughty or Nice?
  • Builder Beaver
  • Aladdin's Wishes

By entering a promo code when you sign up, you can also get 20 free spins. It should be noted, however, that these freebies come with a 30x wagering requirement, and a minimum withdrawal quota of $100.

Casino Games at Silver Oak

Silver Oak specializes in casino gambling, and they have a wide range of options thanks to their partnership with Realtime Gaming. In the following four sections, we'll look at the various categories of games and provide descriptions of what you can expect during your visit.

RTG has been supplying software to the online industry since 1998, so you can always count on their products to run smoothly under any circumstances. Sudden disconnections are unheard of, and they excel at providing games with smooth graphics and sound effects that pop. I'm especially fond of their slots, as the big payouts and multi-denomination wagers are bolstered by a variety of themes ranging from the no-nonsense to the downright zany.

Online Slots

As of this writing, Silver Oak has 124 different slot machines for players to enjoy. Each game has been designed by RTG for maximum customer satisfaction, and they've been grouped into the following categories:

  • Real Series Video Slots
  • Video Slots
  • 3 Reel Classics
  • Bonus 3 Reel Slots

Silver Oak Newest Slots

The Real Series games are the signature line from RTG, and they're known for their multiple paylines, bonus rounds, crisp sound, and impressive graphics. While I don't have enough space to list them all, here are some of the leading titles:

  • Aztec's Treasure
  • The Three Stooges: Brideless Groom
  • Orc vs Elf
  • Naughty or Nice: Spring Break
  • Fruit Frenzy

If you like variety, these games won't disappoint. There are themes ranging from ancient civilizations to sporting events, and some games also contain a progressive jackpot that can instantly turn you into a millionaire.

Table Games

Whether you prefer a game of strategy or just blind luck, these table games from Silver Oak Casino should have what you're looking for. There are 15 options to choose from, and they include the following:

  • Blackjack – This classic casino game challenges the player to get a higher score than the dealer without exceeding 21.
  • European Blackjack – The biggest difference between this and traditional blackjack is that the dealer doesn't get a second card until after the player is finished with their hand.
  • Face Up 21 – Instead of the dealer having a hole card in this variation of blackjack, both of his cards are revealed to the player from the beginning.
  • Match Play 21 – This variation of blackjack is also known as Spanish 21 and features no 10 cards in the deck.
  • Perfect Pairs – Most of the game works just like blackjack, but there's also an optional side wager that pays big money for a pair on the first two cards dealt.
  • Pontoon – Similar to 21, although a five-card hand can often be worth more than a smaller hand with more points.
  • Super 21 – Plays similar to blackjack, although higher payouts are issued for six-card 21s, diamond blackjacks, and other unique combinations.
  • Baccarat – Enjoyed by high rollers around the world, this pure game of chance pits the player against the dealer in a contest to achieve the highest score with a maximum of three cards.
  • Let'em Ride – The player must build the best five-card hand possible, and at least a pair of 10s is required for a payout. A side bet of $1 also makes you eligible for the progressive jackpot, but you'll need a royal flush to win the entire amount.
  • Pai Gow Poker – The players receive seven cards, and they must then create a two-card and five-card hand. These are compared to the dealer's hands, and the result is either a win, loss, or tie.
  • Red Dog – Three cards are dealt, and it's your job to predict whether or not the value of the third card is between the first two.
  • Texas Hold'em Bonus Poker – This game plays just like Texas Hold'em, but you can also win a bonus amount based on the strength of your initial two cards.
  • Tri-Card Poker – Win by beating the dealer's hand or choosing the Pair Plus option and getting a matching pair of cards. There's also an Ante Bonus that pays if you get a straight, three-of-a-kind, or straight flush.
  • Vegas Three-Card Rummy – You and the dealer each get three cards, and the objective is to get a lower hand than your opponent. If you choose the bonus wager option, you'll get paid if your hand is worth 12 points or less.
  • War – The player and dealer each turn up one card at a time, and the highest card wins. If a tie occurs, the player has the option of going to war and doubling their bet.

Video Poker

While a large segment of gamblers often overlook video poker in favor of its flashier cousin, the game is actually more profitable than slot machines in the long run. This is due to a lower house edge and the ability of players to shrink it even more through the execution of perfect strategy. Silver Oak has 16 titles to choose from, and they include everything from wild cards to multi-hand games. In the case of multi-hand games, players can choose to manage anywhere from three to 100 hands at a time.

  • Aces and Eights – You'll receive a payout for a pair of Jacks or better, but the real money rolls in when you get four Aces, sevens, or eights. Bets start at $0.05 and go as high as $5 per hand.
  • Deuces Wild – Two cards are wild, and a three-of-a-kind hand is required for a payout. Like many of these video poker games from RTG, there's also a bonus round where player winnings can be doubled (or lost entirely).
  • Joker Poker – There's one wild card in the form of a Joker, and you need a pair of Kings or better to qualify for a payout. You can also double your winnings in the easy-to-understand bonus round.
  • Loose Deuces – The deuce cards are wild, and special payouts are available for hands such as four deuces and five-of-a-kind. The minimum hand requirement is three-of-a-kind.
  • Sevens Wild – The seven cards are wild, and there's also a bonus round where your winnings can be doubled. In order to get paid, you'll need at least a three-of-a-kind.
  • Bonus Deuces Wild – Deuces are wild in this game, and winning players can try to increase their payout by taking part in the Double or Nothing Bonus Round.
  • Bonus Poker – This game offers the highest payout percentage for certain four-of-a-kind hands. A pair of Jacks or better is required for a payout.
  • Bonus Poker Deluxe – A simple variation of Jacks or Better that doesn’t includes wild cards or bonus rounds. A perfect option for no-nonsense players.
  • Double Bonus Poker – This is another version of the popular Jacks or Better, although it offers increased payouts for four-of-a-kind hands. In the bonus round, choose a card that's higher than the dealer's card to double your money.
  • Double Double Bonus Poker – The same as the previous entry, but with increased payouts for certain four-of-a-kind hands.
  • Mystery Bonus Poker – Jacks or better are needed for a payday, but there's also a random bonus round after each game that increases your winnings if you have the proper cards.
  • All American Poker – You'll need at least a pair of jacks to get paid, but you can increase that amount by choosing to take part in the bonus round.
  • Jacks or Better – The most popular option among video poker players, all you need to do is get a pair of jacks or better in order to finish in the money.
  • Double Jackpot Poker - A variation of Jacks or Better that gives bonus payouts for four-of-a-kind hands. There's also a bonus round where you can double your money.
  • Double Double Jackpot Poker – Just like Double Jackpot Poker, except the payouts are even bigger for certain combinations.
  • Pick'em Poker - The player is given two face-up cards, as well as a couple of three-card piles with only the top card visible. Your objective is to build the best poker hand possible by choosing one of the three-card piles to complete your hand. At least a pair of 9s is required for a payout.

Specialty Games

In addition to slots, video poker, and table games, Silver Oak offers 14 specialty options that include roulette, scratch card simulations, and the always-unpredictable keno. If you're an advantage player who likes a low house edge, you may be disappointed to find that most of these games give the casino a 2% to 3% advantage over the long run. That's still better than a lot of betting options, however, and being able to enjoy them from the comfort of your home also counts for a lot.

  • 5 Diamond Blackjack – Scratch off five two-card hands and try to get closer to 21 than the dealer. Wager amounts include $1, $2, $5, and $10. Random jackpots and the diamond symbol provide additional ways to win.
  • Hot Dice – Scratch off the dice symbols to see if you've won a prize. This could be as simple as a free game, or you might win 2000x your initial wager. There's also a random jackpot that can turn up at any point in the game, even if your card isn't a winner.
  • Lucky 8's – A scratch card game that allows you to uncover five pots of gold for a chance to win prizes. Wagers range from $1 to $10, and prizes include win multipliers, free cards, and a 4000x bonus multiplier.
  • Magic 7's – Scratch off ten spaces and try to uncover the winning "7" symbols to gain free cards or a 3,000x win multiplier. Uncover a magical hat and find your winnings doubled.
  • American Roulette – The most common form of this game calls on players to predict which pocket the spinning ball will land in. There's a wealth of betting options, although the presence of the 00 pocket means a higher house edge than its European counterpart.
  • Bonus Bingo – The computer draws 44 numbered balls, and the player tries to match as many as possible on their bingo card. Fill in patterns to win cash, and increase your winnings by taking advantage of the game's bonus round.
  • Craps – Roll a pair of dice and win money by correctly predicting the outcome. The biggest payouts are 30 to 1, and these pay if you correctly predict a two or twelve coming up on the dice.
  • European Roulette – This game plays like the American version of roulette, except the lack of a 00 lowers the house edge in favor of the player. The minimum wager is $1, and the maximum is $200 for inside bets and $250 for those on the outside.
  • European Slot Poker – A combination of slots and poker, this game gives the player a five-card poker hand. If you manage to make a winning hand, you can receive your payout or go for the High-Low bonus in an effort to increase your wager by a multiple of five.
  • French Roulette – This is the same as European roulette, although all the wagers on the layout are written in French.
  • Keno – Place a wager and select up to 15 numbers. Twenty numbers are then drawn at random, and you receive a payout based on your number of matches. If you play 12 or more numbers and fail to get a hit, you'll receive twice the amount of your wager.
  • Multiplayer Roulette – This game is played with the same rules as European roulette, and the absence of the 00 pocket gives the players a better chance of winning. The biggest difference is the multi-player feature, which allows you to gamble alongside customers from every corner of the globe.
  • Roaring Twenties Bingo – Play up to 100 cards at a time in this hybrid of bingo and slots with a 1920's theme. Wager from $0.01 to $5 per card, and the extra balls feature allows you to double your wager and receive five additional balls in the process. There are three major payouts, including the Maxi Jackpot, Mini Jackpot, and Minor Random Jackpot.
  • Sic Bo – The player rolls a trio of dice and tries to guess which numbers will turn up. Single numbers can be selected, or a range of combinations can be selected. Table limits start at $1 and go up to $250 for single bets, and the best payout (180 to 1) comes if the same number appears on all three dice.

Banking Options

Silver Oak is one of the few casinos I've seen that doesn't have a "banking" or "cashier" link on their homepage. Instead, you'll need to visit their FAQ page in order to get more details about the various methods of deposits and withdrawals. This is something of an inconvenience, and I hope they'll decide to change this feature at some point in the future.

For deposits, the following options are available:

  • Visa – Each transaction has a minimum of $50 and a maximum of $1,000.
  • Cash Transfer – You'll need to contact customer service in order to use this option. The least amount is $50, while the upper limit per transaction is $1,350.
  • Credit Card – Can be done by phone or live chat, although there's a minimum of $50 and maximum of $5,000 per day.

All of the above options are processed quickly, so you'll be able to make a deposit and start playing within minutes. Cash transfers can take around 20 minutes due to verification issues, and certain rare cases might take as much as 24 hours. In most situations, however, you should be good to go in less time than it takes to fix a bag of popcorn in the microwave.

The withdrawal options on the site change from time to time, but all of the following are standard:

  • Bank Checks
  • Cash Transfer
  • Bank Wire

Withdrawals usually take up to 10 business days to get approved and another 7 days to be sent out (although withdrawals of $200 or less tend to be faster). Then there's the time is takes for it to be delivered, which may tack on a few additional days.

In the case of checks, there's also the small chance that your bank might make you wait up to 45 days for the check to clear. This has never happened to me while using Silver Oak, but the presence of the information on their website indicates that it does occur from time to time.

The maximum withdrawal per week is $2,500, and all transactions require a minimum of $100. If you choose the check or money transfer option, a processing fee up to $40 may be included.

Customer Support

Silver Oak claims to have the most dedicated customer service staff in the industry. While I don't know if this bold assertion is true, they do have a decent number of ways for players to get in touch with representatives. They're also available 24/7, which has become a common feature for online casinos due to their global customer base.

If you do need to reach out to customer support, the following methods are available:

  • Toll-free phone number (for US and Canada)
  • Fax
  • Email
  • Live Chat
  • Skype

Most of these options put you directly in contact with someone. Their email option is supposed to generate a response within 48 hours, but I've found the turnaround time to be much shorter. When I sent out test emails, I received a reply within two hours (on average).

What's Missing?

The site offers everything you could expect from an online casino, although I would have preferred to see an individual page devoted to deposit and withdrawal information. Making the customer search around for this basic information is inconvenient. There also seems to be some contradictory information presented, such as American Express being listed as a payment option when that company traditionally has nothing to do with online gambling.

Our Overall Impressions

Silver Oak casino is a solid option with generous bonuses, strong customer service, and a rich selection of games. My only concern centers on the numerous customer complaints about slow payments, and the fact that they're licensed in Costa Rica does nothing to assuage my worries. If you choose this site, I suggest taking things slow to gauge their response time before committing large sums of money.

Frequently Asked Questions

Is Realtime Gaming software fair?

RTG software has been around since 1998, and during that time they've established themselves as one of the premier names in the online gambling industry. If their product was designed to cheat customers, word would quickly spread throughout the gaming community and drive them out of business.

The casino retains a house edge on almost every game, so there's no incentive for them to cheat. And even if they were inclined to do so, the people who run the casino don't design the software. RTG makes their money by licensing their content, so they get paid regardless of whether Silver Oak patrons win or lose.

Is it safe to use a credit card online?

Yes. Silver Oak customers should experience no problems with data theft thanks to the site's MD5 encryption technology and SSL safeguards. It's safer than paying for your groceries or ordering a product over the phone.

Do all countries allow play at Silver Oak Casino?

No. Unfortunately, there is a long list of nations that have decided to tell their citizens what they can and cannot access over the Internet. Virtual gaming is illegal or prohibited in many parts of the world, and a complete list of ineligible nations is provided on the site's FAQ page.

How do I receive the welcome bonus from Silver Oak Casino?

Once you've downloaded their software and created your account, the next step is to make a deposit. When this has been accomplished, click the "redeem coupon" option and enter the code that was provided to you via email when you opened your account. It's that simple.

If I deposit by credit card, what withdrawal options are available to me?

At Silver Oak, the method of withdrawal is always determined by the initial means of deposit. In the case of credit card deposits, the customer has the option to withdraw money by check or cash transfer.

What steps has Silver Oak Casino taken to encourage responsible gambling?

In addition to requiring all players to be 21 or older, the casino has also set daily deposit limits for their customers. At the customer's request, casino accounts can be cancelled or the entire site blocked. Employees have also been trained to spot underage or problem gamblers and react accordingly.

How does the casino's bankroll protection feature work?

Since players are the highest priority at Silver Oak, everything is done to ensure that they keep coming back. This includes softening the blow of occasional losses in the form of bankroll protection. Each week, 10% of your real-money losses from the previous week are credited back to your account. The money is awarded in the form of casino chip credit, and wagering requirements must be met before it can be withdrawn (60x for table games and video poker/30x for other eligible games).

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