National Casino Review: The Real Cost of Playing in Australia
National Casino attracts Australian players with promises of fast withdrawals, a big welcome package, and thousands of games. Most reviews recycle the same marketing bullet points. This one doesn’t. Instead, we’re going to look at the numbers behind the offer, the actual cost of payment rails, and which assumptions about this operator hold up under scrutiny. If you’re the kind of player who calculates expected value before hitting spin, you’ll find something useful here.
The uncomfortable part first: National Casino is an offshore operation. It holds a Curacao licence, not an Australian one. That’s not a secret, and it’s also not automatically a reason to run. But it changes the risk profile in ways that matter when real money is involved. Australian-facing casinos operate in a grey regulatory corridor, and understanding that corridor beats pretending it doesn’t exist.
What National Casino Actually Is
National Casino launched in 2020 under Hollycorn N.V., a company registered in Curacao. The brand positions itself as an international casino accepting players from Australia, Canada, New Zealand, and parts of Europe. Its game library sits north of 4,000 titles, supplied by studios that dominate the Australian-facing offshore market: Pragmatic Play, NetEnt, Microgaming, Evolution, BGaming, and several smaller houses.
The platform runs on a proprietary frontend over SoftSwiss architecture, which is standard for Curacao-licensed operators in this segment. That matters less than you’d think. What actually matters is how the operator handles withdrawal requests, what it charges along the way, and whether support resolves disputes cleanly. The fanciest game lobby means nothing if your money gets stuck.
In rough terms, National Casino sits in the middle of the pack for Australian-facing offshore casinos. It’s not a flashy crypto-native operation, and it’s not a slow legacy brand. It’s a general-purpose casino that happens to market heavily to AUD players. Whether that’s a good thing depends entirely on your priorities.
| Factor | Detail |
|---|---|
| Operator | Hollycorn N.V. |
| Licence | Curacao (not Australian) |
| Game count | 4,000+ |
| Key providers | Pragmatic Play, NetEnt, Evolution, BGaming |
| Currencies | AUD, USD, EUR, NZD, CAD, crypto |
| AUD deposit methods | Visa, Mastercard, Neosurf, PayID via wallets, crypto |
| Withdrawal time | 0-24h crypto, 1-3 days cards, 0-24h e-wallets |
| Player support | 24/7 live chat, email |
None of this is remarkable. The remarkable part is how little the Australian-facing casino industry has changed structurally in five years. Operators keep launching, marketing budgets keep growing, and the regulatory clamp keeps tightening at the edges. National Casino is one of many brands navigating that squeeze.
Licensing and the Australian Legal Reality
Australia’s Interactive Gambling Act 2001 prohibits online casino services from being offered to Australian residents by operators based in Australia. The carve-out covers sports betting and lotteries, not casino games or pokies. That’s why no Australian-licensed online casino exists. What Australians can access are offshore operators that accept AUD players, and National Casino falls into that category.
Curacao licensing is not a quality guarantee. It means the operator has passed a basic compliance check in a jurisdiction with limited consumer protection enforcement. You won’t get ACMA support if a withdrawal stalls. You won’t get the Australian Financial Complaints Authority involved. Your recourse is the operator’s own support channel, the Curacao regulator (which rarely acts on individual player disputes), and public pressure through forums and review platforms.
That’s not a scare tactic. It’s the actual enforcement landscape. Plenty of Australian players withdraw from National Casino without issue. Plenty also report friction. The difference often comes down to how thoroughly you verify your account, which payment method you use, and whether you read the terms before taking a bonus.
Is National Casino legal for Australian players?
No Australian law makes it illegal for an individual to play at an offshore casino. The prohibition targets operators offering the service to Australian residents, not players themselves. Practically, ACMA blocks illegal operators and redirects traffic, but enforcement against individual players does not exist. The real risk is commercial, not criminal: if something goes wrong, you have no local regulator on your side.
Account Setup and Verification: A Step-by-Step Walkthrough
Opening an account takes less than five minutes if you have an email address and a password. The friction arrives later. Let’s walk through what actually happens, including the parts no banner mentions.
You start by entering your name, date of birth, and email. The casino doesn’t verify anything at this stage. You can deposit and play immediately, which is the point of frictionless onboarding. The system collects your IP address, device fingerprint, and sometimes your phone number for two-factor authentication. None of this is unusual. It’s the same procedure used by every Curacao-licensed operator in 2026.
Verification begins the moment you request a withdrawal. The casino will ask for a government-issued ID, proof of address, and sometimes a copy of the payment method used for deposit. If you deposited with a credit card, they may want a photo of the card with the middle digits covered. If you used crypto, they might ask for the transaction hash or a wallet screenshot.
The approval process for standard documents runs between 12 and 48 hours. Anything unusual triggers a manual review, which takes longer. Common triggers include mismatched names, changes of address, large first withdrawals, or deposits from multiple cards. This isn’t a sign of a scam. It’s the compliance layer required by the casino’s payment processors and banking partners.
The practical lesson: verify your account before you deposit. Send the documents first, get approved, then fund the account. That way, your first withdrawal doesn’t sit in a queue while you scramble to photograph your driver’s licence. It also reduces the chance of a frozen withdrawal request.
The EV Math: What That Welcome Bonus Really Costs
National Casino markets a welcome package that typically spreads across your first several deposits. The advertised headline is usually a 100% match up to a few hundred AUD, plus free spins. Read the terms and the picture changes. The wagering requirement on the bonus amount sits in the 35x to 45x range, and free spins winnings come with their own rollover, often around 40x.
Let’s run the numbers on a typical scenario. Say you deposit $200 and receive a $200 bonus. The wagering requirement applies to the bonus amount at 35x, which means you need to turn over $7,000 before withdrawing. At an average game RTP of 96.5%, your expected loss over that turnover is 3.5% of $7,000, which is $245. The bonus was worth $200. On average, the player loses $45 more than the bonus is worth just from house edge.
That’s before you factor in game weighting. Slots usually count 100% toward wagering, but table games count 0-10%. If you prefer blackjack or roulette, that bonus becomes nearly useless. And if you trigger a game with lower RTP configurations, the numbers get worse. The “free money” is a calculated marketing expense, not a gift.
| Bonus Scenario | Wagering | Required Turnover | Expected Loss at 96.5% RTP | Bonus Value | Net Position |
|---|---|---|---|---|---|
| $200 deposit + $200 bonus | 35x bonus | $7,000 | $245 | $200 | -$45 |
| $100 deposit + $100 bonus | 40x bonus | $4,000 | $140 | $100 | -$40 |
| Free spins (50) win $50 | 40x winnings | $2,000 | $70 | $50 | -$20 |
The math doesn’t lie. Casino bonuses are designed so that the average player loses more than they gain. That’s not a bug in the system. It’s the revenue model. Your only edge is variance, which cuts both ways. A few players will run hot and withdraw. Most won’t. If you treat a bonus as entertainment spend rather than value, you’ll be less frustrated than the gambler who expects to outsmart the spreadsheet.
To see why the casino loves bonus offers, flip the perspective. The operator pays nothing upfront. It issues credit locked behind wagering conditions. The player then generates turnover, which produces house edge revenue far exceeding the nominal bonus. The casino’s marketing department knows exactly what it’s doing. The player who thinks they’re getting free money is the product, not the customer. That’s not cynicism. That’s the income statement.
Games and Software: The RTP Reality
National Casino’s library looks impressive at first glance. Over 4,000 games is a genuine number, but most of it is filler. The slots that matter come from Pragmatic Play, NetEnt, Microgaming, BGaming, and a rotating cast of smaller studios. Australian players gravitate toward the same titles they’d find anywhere else: Gates of Olympus, Sweet Bonanza, Big Bass Bonanza, Book of Dead, and various Hold & Win machines.
RTP is where the fine print bites. Many providers ship multiple RTP configurations of the same slot. A game that advertises 96.5% RTP in a demo might run at 94% in real-money mode at an offshore casino. National Casino, like most Curacao operators, doesn’t publish per-game RTP clearly. That’s a problem if you’re trying to make informed decisions.
The live casino section runs on Evolution and Pragmatic Play Live. That’s good news for stability, but remember that live dealer games contribute almost nothing to bonus wagering. If you came for the bonus, the live casino is decorative. If you came for the live casino, the bonus is irrelevant. The two don’t mix.
For pokies players, the floor is competitive. For table game players, it’s serviceable but not a reason to choose this brand over alternatives. If you want deep table variety with favourable rules, you’ll find better options elsewhere in the offshore market.
Load times deserve a mention. SoftSwiss frontends are not all the same from one casino to the next. National Casino’s implementation is workable, with slots loading in three to six seconds on a stable connection. The search function is mediocre: typing “sweet” brings up Sweet Bonanza and its Christmas variant, but filtering by provider takes extra clicks. Mobile play runs decently through a browser, though the layout cramps on smaller screens. No native app exists. That’s a convenience gap, not a dealbreaker, but it matters if you play mostly from a phone.
Banking: Where the Real Tax Hides
Australian players at National Casino face a fee stack that most reviews ignore. The deposit side looks clean: Visa and Mastercard acceptance, Neosurf vouchers, and cryptocurrency deposits without casino-side fees. The friction starts when you try to withdraw. Crypto moves fastest, usually within 0-24 hours. Card withdrawals take 1-3 business days, sometimes longer. E-wallets sit in between.
The less visible cost is currency conversion. National Casino accepts AUD as a display currency, but underlying settlement often happens in EUR or USD. Your bank or card issuer applies a foreign transaction fee, typically 2.5-3.5% on deposits. The casino may also apply its own conversion spread on withdrawal. Those percentages add up fast. A $500 deposit through Visa could cost you $12-17 in hidden exchange costs. That’s a tax on your bankroll before you’ve even played a spin.
PayID is a hot topic in the Australian market. National Casino doesn’t directly process PayID. Instead, it works through third-party wallet services that claim PayID compatibility. Those services add friction: identity checks, processing delays, and sometimes their own fees. What looks like a seamless bank transfer often isn’t. The marketing copy says PayID. The reality is a detour through an intermediary.
| Method | Deposit Speed | Withdrawal Speed | Hidden Costs |
|---|---|---|---|
| Cryptocurrency | Instant | 0-24 hours | Network fees, volatility |
| Visa/Mastercard | Instant | 1-3 business days | FX 2.5-3.5%, possible issuer blocks |
| Neosurf | Instant | Not available for withdrawal | Neosurf purchase fees |
| PayID via wallet | Variable | 1-2 days | Intermediary fees, ID checks |
The “tax” here is real and measurable. If you move $1,000 through the casino in a month, expect $25-35 to disappear in exchange and processing costs, before you account for the house edge. For a recreational player, that’s an annoyance. For a volume player, it’s a line item that should influence which casino you choose.
One workaround is to deposit and withdraw entirely in cryptocurrency. Bitcoin, Ethereum, and Litecoin are the standard options. You still pay network fees and face volatility, but you sidestep the currency conversion entirely. If you’re already holding crypto, this is the cleanest path. If you’re not, buying crypto just to gamble adds a taxable event in Australia and introduces its own friction. There’s no free lunch.
Withdrawal Strategy: How to Avoid the Common Delays
Most withdrawal complaints about National Casino fall into three buckets: missing KYC documents, wrong payment method, and bonus terms not met. Each is avoidable with a bit of planning.
First, complete verification before your first deposit. Submit your ID, proof of address, and a selfie if requested. Wait for the confirmation email saying your account is verified. Then deposit. This removes the most common delay, which is the KYC hold on your first withdrawal.
Second, use the same method for deposit and withdrawal whenever possible. If you deposit with Visa, don’t expect a crypto withdrawal. The casino’s anti-money-laundering policy usually requires a withdrawal at least equal to the deposit amount to go back to the original method before you can choose an alternative. This is standard. It’s also really annoying if you didn’t plan ahead.
Third, clear your bonus wagering before requesting a withdrawal. If you have a pending bonus, the system may cancel it when you withdraw, along with any winnings derived from it. Read the terms carefully. Some bonuses allow partial withdrawal after wagering; others lock your entire balance until the rollover is complete. If you’re unsure, ask live chat for a written account of your remaining wagering.
Fourth, withdraw smaller amounts more frequently. A $4,000 withdrawal triggers more scrutiny than four $1,000 withdrawals. This isn’t gaming the system; it’s aligning with the risk thresholds that every offshore casino uses. Larger sums mean more manual checks, longer queues, and more chances for human error.
Myth vs Reality: Seven Assumptions Worth Checking
The Australian-facing casino industry runs on hype. National Casino is no exception. Let’s take the most common assumptions about this brand and test them against the operational realities.
Myth 1: “A big game library means better odds”
Reality: More games means more variety, not better returns. Your expected value is determined by individual game RTP, which the casino controls through provider configuration. A 4,000-game lobby with hidden RTP settings is not a value proposition. It’s a distribution platform. The operator’s margin is built in long before you press spin.
Myth 2: “Curacao licensing guarantees fair play”
Reality: A Curacao licence confirms the operator exists and has paid a fee. It does not guarantee payouts, dispute resolution, or game fairness in any meaningful sense. The regulator has historically been slow to act on player complaints. Your practical protection comes from the operator’s reputation and the public forum record, not from a piece of paper.
Myth 3: “Fast withdrawal marketing means fast withdrawals for everyone”
Reality: Fast withdrawals are real for verified accounts using crypto. They’re often slower for first-time withdrawals, accounts that haven’t completed KYC, and card payments. The marketing copy shows the best case. The average case involves account verification, payment method restrictions, and support interaction. Plan for the average, not the best.
Myth 4: “The welcome bonus is free money”
Reality: We did the math above. The expected value of the bonus is negative for the player. It’s a marketing expenditure with a built-in profit margin. The word “bonus” in casino marketing functions like the word “gift” in a timeshare presentation. It’s part of the sales operation, not a charitable distribution.
Myth 5: “Crypto deposits give you anonymity”
Reality: Crypto transactions are pseudonymous, not anonymous. Any casino that accepts fiat and crypto will eventually require identity verification for withdrawals above threshold amounts, and often for any withdrawal at all. National Casino’s KYC policy requires documentation before processing payouts. The crypto advantage is speed, not privacy.
Myth 6: “Aus-facing casinos know the local market”
Reality: Marketing in AUD and accepting Australian players does not make an operator locally accountable. ACMA can block access and fine the operator, but it cannot compel a payout to a player. The casino knows the market well enough to advertise. That’s different from being answerable to it.
Myth 7: “All offshore casinos are scams”
Reality: This one goes the other way. National Casino is a legitimate business with thousands of players and a functioning withdrawal pipeline. Calling it a scam is inaccurate. The correct frame is: it’s a high-risk commercial counterpart with limited regulatory recourse. That’s true of the entire Curacao-licensed Australian-facing market. Not a scam, but not your local licensed bookmaker either.
Australian Market Comparison
National Casino competes with a crowded field of Australian-facing offshore operators. Some are stronger on crypto. Some are faster on withdrawals. Some have better loyalty mechanics. The comparison below focuses on what matters in practice: payment speed, bonus terms, and the player complaint record you can observe in public forums.
| Casino | Licence | AUD Deposit | Withdrawal Speed | Standout Weakness |
|---|---|---|---|---|
| National Casino | Curacao | Cards, Neosurf, crypto | 0-24h crypto, 1-3d cards | Hidden FX costs, no direct PayID |
| Richard Casino | Curacao | Cards, crypto, wallets | 0-24h crypto | Bonus terms, limited table games |
| Bizzo Casino | Curacao | Cards, Neosurf, crypto | 0-24h crypto | Similar fee structure |
| Jackpot Jill | Curacao | Cards, Neosurf | 1-3 business days | Slow withdrawal processing |
| King Billy | Curacao | Cards, crypto, wallets | 0-24h crypto | Bonus restrictions for AU players |
| BitStarz | Curacao | Crypto, cards | 0-1h crypto | Limited AUD fiat options |
| 7Bit Casino | Curacao | Crypto, cards | 0-1h crypto | Game filtering is clunky |
The takeaway is unglamorous. These operators are structurally similar. The differences are operational: which one processes your withdrawal without friction, which one has support staff who read your ticket instead of sending templates, and which one has fewer unresolved complaints on player forums. National Casino’s record is average on all three counts. That’s not an endorsement. It’s a benchmark.
If you’re deciding between five Curacao-licensed casinos that all look the same, the rational tiebreakers are withdrawal history, bonus terms clarity, and the specific game library you want. Not the colour of the website. Not the welcome banner. Those are cosmetic choices dressed up as brand differences.
Promotions and Loyalty: The Long-Term Grind
Once you’re inside, the casino pushes a rotating menu of promotions. You’ll see reload bonuses, free spin bundles, cashback offers, and slot tournaments. The structure is familiar: each offer has wagering terms, minimum deposit thresholds, and expiry dates. Most Australian players ignore the fine print until they can’t withdraw, and then they complain on forums.
Cashback is the most interesting product, and also the most misunderstood. National Casino occasionally offers 10% cashback on losses over a weekend, or VIP-tier cashback with lower rollover. The advertised percentage is not what lands in your account. Cashback is calculated on net losses, credited as bonus funds, and often subject to 5x-10x wagering. By the time you clear the rollover, the edge has eaten most of the benefit.
Slot tournaments look competitive but they’re volume races. The leaderboard rewards players who spin the most, not players who play the best. If you’re not wagering thousands per week, you won’t crack the top 50. The prizes are real, but the cost of participation is hidden in the turnover you generate. Tournaments are loyalty programs for heavy users, not opportunities for casual players.
The VIP program follows the same playbook every offshore casino uses. You climb tiers by accumulating points, and the perks improve at each level: dedicated manager, higher withdrawal limits, occasional free spins. The catch is that the tiers are opaque. You don’t know how many points you need because the casino doesn’t publish the thresholds. That’s not an oversight. It’s flex pricing. The casino can shift the goalposts based on your individual value as a customer.
Player Complaints and Forum Evidence
Public player forums paint a picture that is neither catastrophic nor spotless. The most common complaints about National Casino are: first withdrawal delays due to KYC, bonus terms being applied in ways the player didn’t expect, and slow support responses for payment issues. None of these are unique to this brand. They’re the same complaints you’ll find for Richard Casino, Bizzo, and every other Curacao-licensed operator accepting Australian players.
The resolved complaint rate matters more than the raw number of complaints. A casino that responds to forum threads and resolves issues within a week is doing better than most. National Casino’s support team does monitor major player forums, but responses are not always prompt. Some threads languish for weeks. Others get fixed in a day. The inconsistency is itself a signal: this is a mid-tier operation with decent intentions and uneven execution.
If you want to check the current state of play, visit any active Australian gambling forum and search for “National Casino withdrawal.” You’ll see recent threads. Read the dates, not just the headlines. A complaint from 2023 that was resolved in 48 hours tells a different story than a complaint from 2026 that’s still open. The past is not the present, and forum noise is not evidence until you filter it.
Responsible Gambling Tools: What Actually Works
National Casino offers the standard responsible gambling toolbox: deposit limits, session reminders, temporary cool-off, and self-exclusion. You can set these from the account profile, and most changes apply immediately. That’s good. The bad news is that these tools are account-specific. They don’t stop you from signing up at another offshore casino and doing the same thing.
Deposit limits are the most useful tool for a recreational player who wants to cap monthly spend. Set it low, and the system blocks deposits above that threshold across all payment methods. It’s not perfect — a determined player can use crypto to bypass some controls — but it stops accidental overspending after a losing session.
If you need a structural break, self-exclude for six months or a year. The casino will close your account and refuse new registrations from your verified identity. This isn’t bulletproof either: you can open an account with a different email and a VPN. But it raises the friction enough that many players don’t bother.
For Australians, BetStop is the national self-exclusion register for licensed wagering services. It won’t cover National Casino or any other offshore casino. That’s a gap in the system, not a gap in this operator’s compliance. If you want a broad net, you’ll have to self-exclude manually at each offshore casino you use. The casino’s own tools are only as good as the user’s commitment to using them.
Tax and Legal Nuances for Australian Players
Australian gambling winnings are generally not taxable income unless you’re a professional gambler running a business. That applies whether you win at the local TAB or at an offshore casino. The ATO treats gambling as recreation, and recreational winnings are not assessable income. But there’s a catch for crypto users: if you deposit Bitcoin, win, and then exchange your winnings back to AUD, that crypto disposal may trigger a capital gains event. Not financial advice, but worth knowing before you turn a $100 casino win into a tax headache.
On the legal side, the Interactive Gambling Act targets operators, not players. ACMA’s enforcement powers include blocking websites, requesting payment blocking, and issuing fines to operators. It does not prosecute individual players who access offshore casinos. The practical consequence is that your money is at risk from commercial disputes, not criminal charges.
The grey zone has one more wrinkle: payment processors can decline transactions to offshore casinos. Your Australian bank might block a Visa deposit to a Curacao-licensed operator. This isn’t a legal restriction on you; it’s the bank’s risk management. If it happens, try a different card, a Neosurf voucher, or crypto. The casino’s cashier page usually lists alternative methods, but support can sometimes suggest a workaround.
Customer Support and Platform Stability
National Casino runs 24/7 live chat alongside email support. The response time on live chat is acceptable, usually under two minutes during peak hours. The quality varies. Simple queries get resolved quickly. Complex withdrawal disputes often receive templated responses, which is the industry norm at this tier, but frustrating when your money is on the line.
Platform stability is decent but not exceptional. The SoftSwiss infrastructure handles traffic well, and major game launches rarely crash the lobby. Mobile performance is acceptable through the browser. There is no dedicated iOS or Android app, which some players view as a drawback. For a browser-based casino, the experience is functional. For players who expect native app polish, it falls short.
The login process is straightforward, and account creation takes minutes. Verification kicks in at withdrawal stage, as it does everywhere. The operator’s KYC threshold is not public, but players report verification being requested on first withdrawal in most cases. That’s standard practice, not a red flag. It becomes a problem only when documentation is repeatedly rejected without clear explanation, which does appear in some player complaints.
If you ever need to contact support, live chat is the most reliable channel. Email works but takes longer. Phone support is not offered to Australian players, which is typical for offshore casinos in this segment. The help centre on the website is thin, with basic articles on deposits and account management. You’ll learn more from player forums than from the official FAQ.
FAQ
Is National Casino safe for Australian players?
National Casino is a legitimate business with a functioning payout pipeline, but it operates under a Curacao licence with no Australian regulatory oversight. Safety is commercial, not legal: you rely on the operator’s reputation and forum track record. Verified accounts using crypto typically receive withdrawals quickly. The risk sits with payment disputes and regulatory recourse, not with theft of deposits.
Does National Casino support PayID withdrawals?
No, not directly. National Casino does not process PayID natively. It works through third-party wallet services that claim PayID compatibility on the deposit side. Withdrawals through those intermediaries add processing time and potential fees. If PayID is non-negotiable for you, look at operators that integrate directly with Australian payment rails, though those remain rare in the offshore casino market.
What is the minimum deposit at National Casino?
The minimum deposit is typically $15 AUD for card payments and crypto, with some variation by method. Neosurf minimums sit around $10-15. The exact threshold may change with promotions or regional settings. Check the cashier page after registration, as minimums can shift without notice.
How long do National Casino withdrawals take?
Crypto withdrawals process in 0-24 hours after account verification. Card withdrawals take 1-3 business days. E-wallets fall in between. First-time withdrawals take longer across all methods because KYC verification must complete before payout. If you withdraw regularly, the process smooths out after the initial checks.
Does National Casino offer a no deposit bonus?
National Casino occasionally runs no deposit promotions, usually free spins or small free chips tied to new game launches or promotional events. These offers change frequently and are not always available to Australian players. Check the promotions page inside your account, and read the wagering terms before claiming anything with the word “free” attached.
Can I close my National Casino account?
Yes. Account closure is available through customer support or the responsible gaming section of your profile. You can also request self-exclusion periods. For Australian players looking for structural self-exclusion across all operators, BetStop is the national register that covers licensed Australian wagering services, though it does not apply to offshore casinos accepting AU players.
The Verdict: For Whom National Casino Makes Sense
National Casino is a competent offshore casino with a broad game library and standard payment mechanics. It’s not exceptional, and it’s not broken. If you’re an Australian player who wants thousands of Pragmatic Play and NetEnt slots with crypto withdrawal speed, the platform works. If you’re worried about hidden FX costs, slow first withdrawals, and limited regulatory protection, those concerns are valid and permanent.
The math-first view is that playing at National Casino is a negative-EV activity, like any casino. The only variable you control is how much friction you accept on the payout side. Choose the operator with the cleanest withdrawal record and the most transparent terms for your preferred payment method. That may be National Casino. It may be a competitor. The data is public if you look at forums and complaint boards instead of affiliate banners.
No casino is a good deal. Some are just less annoying than others. National Casino sits in the middle of the pack: fine for recreational slots play with crypto, mediocre for card withdrawals, and structurally identical to most Curacao-licensed operators targeting Australians. The real decision isn’t whether this casino is “good.” It’s whether the friction you’ll accept is worth the convenience you gain. That’s a personal calculation, not a recommendation.