Quick breakdown from using all three: Crypto (BTC/USDT/LTC) is the fastest end to end, deposits clear in minutes and crucially the WITHDRAWALS are fast too, no bank sitting on it. POLi is a direct bank transfer, no card needed, but it's been patchy lately so check it's actually live on the site first. Apple Pay is the most convenient to deposit with, but it's tied to your card underneath, so if your bank blocks gambling it'll bounce, and you can't withdraw back to Apple Pay.