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Definitely yes for bingo... just did that. Very sure yes for the tournament that's sponsored by the casino, but not for one done by your fellow cruise critics. 

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I've cashed in some OBC for the casino before.    Last time I did it they gave me special colored chips.    If you won your winnings were give back in regular chips that could be cashed in for cash but the others could only be re-credited as a non-refundable OBC.   


I have been told that the slots work much the same -  Winnings are applied as refundable.   I have not done this for slots so hopefully a more experienced cruiser can advise or correct my understanding.

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