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XO Lotto Exposed — 16 Lotteries to Bet On

XO Lotto Exposed

XO Lotto Review

If you are looking for an online betting site for lotteries, you might want to check out XOLotto.com. They offer single and multiple-ticket betting on 16 international lotteries. There are no syndicates. This site looks very straight forward so let’s take a more in-depth look.

Games at XO Lotto

Players can bet on international lotteries including BonoLoto, Canada’s 649, El Gordo Primitiva, EuroJackpot, EuroMillions, German Lotto, Irish Lotto, La Primitiva, New York State Lotto, Oz Lotto, Polish Lotto, Super Lotto Plus, SuperEnalotto, UK Lotto, US Powerball and Mega Millions. The official results of each of the lotteries are used to determine the winners. The price of playing looks like the face value price of the actual lottery. There is no information on the actual currencies. XO Lotto does say that the ‘base currency’ is in Euros but that the user’s account balance could be in another currency. Not sure about this. I did ask the question but haven’t had a response.

Check our review to know if GiantLottos is the best lottery site in Europe

XO Lotto’s Other Games

Buried in xolotto.com’s terms and conditions is information on their Instant Win Games. Not sure what this is about as there is nothing to click on their website. They add that if you don’t play within two weeks, they will play for you. There are two Keno games which are played every minute. Bets range from $1 to $10. The more you bet, the more the winnings. Winnings vary from getting all ten numbers correct (betting $10 wins $10 million) down to what you bet if you get no numbers correct.

Getting Your Winnings

Xolotto.com “reserves the right” to pay out any winnings on Prize Category 1 (yes – the jackpot) and 2 in annuity payments. Any jackpot is paid out proportionally to winners including the source lottery and XO Lotto. An example would be there are 2 XO Lotto jackpot winners and 2 source lottery winners – the amount of jackpot paid would be ¼ the published amount to each XO Lotto winner. Withdrawal requests from your account can take up to 3 business days to process. Getting your money could take a further 30 days. There is a minimum withdrawal amount of €25 though they “reserve the right” to change this when the cost to process the request is disproportionate to the amount being withdrawn. No commission or fees on winnings.

Taxes on Your Winnings

XOLotto.com deducts tax (where applicable) from any winnings. For US-based lotteries, this means they treat any winnings over USD 5,000 as if you were in New York City. That means they deduct 24% federal withholding tax, 8.82% state tax, and 3.876% New York City tax. For lotteries based out of Spain, there is a 20% tax deducted. Note that if you are a non-Spanish resident playing a lottery in Spain, this would usually be refundable. For Euro Millions and Euro Jackpot, there is no tax deducted as they are designed to be played in France and Germany.

Who Can Play at XOLotto.com

This lottery betting service is available to anyone 18 years or older and not a resident of the US and their territories, Australia, Curaçao, Dutch West Indies, Hong Kong, Netherlands, and the United Kingdom.

Customer Service

XO Lotto has a snail mail address in Cyprus and is licensed by the Curaçao Government. There are an online form and email address. There are no telephone numbers or live chat. There is no information on their hours of operation. The parent company owns a heap of casino-type sites.

Why You Should Register with XOLotto


16 International Lotteries to Bet On

Keno’s Winning Every Minute

No Commission or Fees on Winnings

Why You Shouldn’t Register with XOLotto


No Currencies Clearly Identified

No Syndicates

Limited Customer Service

Would you mind rating XOLotto.com?

Is XOLotto Legit?

I’m a little twitchy about the lack of information on each of the currencies of each draw. That goes for purchasing tickets and winnings. The amounts seem to be correct as per the advertised official draws but who is to say that XO Lotto pays in that currency? I couldn’t find anything in their terms and conditions that clarifies that.

This site gets a thumbs down. As an online betting site for international lotteries, it seems pretty clean, but I think they should be more transparent on the currencies. Note that even the site for EuroMillions uses the dollar sign.

  1. Easy to play, clean site with good games.

  2. Scam. They are inconsistent with payouts and will legit just avoid your support inquiries about withdrawals i.e. I had 90 dollars say processed and didn’t receive a dime while other requests took WEEKS to even get a response on. Games are glitchy every single one has a delay, half of them have had server errors unfixed. It’s a scam.


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