Every site that I have played on have chatrooms throughout the day as an incentive to hold onto their customers. Some chatgames require you to actively take part to win. For example, when certain numbers are called in the bingo game you might need to shout somthing in chat to win in the chatgame (depending what the chatgame actually is), or could even be a quiz. Other chatgames just require you to be in the chatroom, and you might get picked to play the chatgame. There are usually chosen in regards to the winner of the bingo game.
The amount that you can win in a chatgame varies from site to site. It also depends what the chatgame is and what time it is played. On the sites that vary the amount they pay out in chatgames, generally, it is higher in the evenings, when there are more players. However, like the actual bingo games, it is more difficult to win chatgame prizes when there are more players, as you are competing against more people.
One of the biggest bingo sites offers only a quiz as the chatgame. These are held randomly throughout the day, and are held in every room. On this particular site you can only win a maximum of 2 questions a day, which is £2. Although this may seem stingy compared to other sites, which may allow you to win unlimited number of chatgames in a day, I actually prefer it done in this way. This is because on some other sites, you do not even need to have cards playing in the bingo game to be able to take part in the chat games, so you may get some people who are just there to try and win money from the chatgames to be able to play bingo. Think how unfair it would be if they were to go on and win a game of bingo from money won in a chatgame, when they risked nothing themselves.
There are a few sites which pay the chatgame prizes as real cash, however most pay it as BB's (Bingo Bonuses). Generally, if the site separates your balance in to real money and BB's, the chatgame wins are payed into the BB's part. This then has the same rules as with the deposit bonuses (see one of my previous posts titles 'Bingo...Deposit Bonuses')in which you have to spend the real cash part of your balance before you can spend the BB's.
On a few sites you need to deposit to your bingo account within a certain number of days to continue being eligible to win in the chatgames. But what is a fair timescale??? Well I played on one site where you need to deposit every 5 days to be able to win in the chatgames. Although this particular site does give away large amounts of money in the chatgames, in my opinion, this is way to short a timescale. Another site allows you to be eligible for chatgames for 30 days after a deposit. I know they are businesses, but on one hand they are doing all they can to promote gambling awareness, but on the other hand, they are encouraging you to deposit more than you may want/need to. You may still have funds in your account so don't need to deposit, but do anyway because you want to play in the chatgames.