Bank transfers provide some of the most reliable and highly secure payments and can boast high transaction limits. When looking for a new bank transfer casino to add to our list, we always check their licensing, overall gameplay, and the bonuses they offer. To give you a better idea of how such websites work, we will cover all the basics with a special attention to their processing speed and transparency.
Our dedicated editorial team evaluates every online casino prior to assigning a rating. These evaluations are grounded in a rigorous scoring methodology that encompasses factors such as trustworthiness, overall gambling experience, fee structures, customer support quality, and various other critical aspects.
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The main draw of using a casino bank transfer is that it is one of the oldest and most readily available payment methods in UK online casinos. However, they are also a bit slower when making a deposit than your typical debit card, and a lot slower for withdrawals, while both options pale in comparison to digital wallets, where these transactions are usually instant.
The way they make up for this drawback is by being incredibly safe, as the bank itself secures each transaction, and by allowing you to deposit and withdraw much higher amounts than either eWallets or debit cards. That makes them a great choice for expert gamblers who like to go big.
If you are more of a casual player and prefer to have your funds ready quickly, you may be better off looking at our list of PayPal casinos. Here is a quick comparison table to give you an idea of how bank transfers stack up against the other common payment methods.
| Feature | Bank Transfer | Debit Cards (Visa/Mastercard) | eWallets (PayPal, Skrill, Neteller) |
|---|---|---|---|
| Deposit Speed | 1-5 business days | Instant or up to 1 hour | Instant or within minutes |
| Withdrawal Speed | 2-7 business days | 1-5 business days | Instant or up to 24 hours |
| Fees | Possible bank fees | Usually none, but can apply | Low or none |
| Security | Very High – handled by your bank | High – includes fraud protection | Moderate – added layer of security via a wallet |
| Ease of Use | Moderate – requires bank details | Easy – just add card details | Very Easy – log in and authorise |
| Anonymity | Low – your banking info is shared | Moderate – card data shared | High – no bank info shared |
| Limits | High – good for high rollers | Medium | Medium – some wallets have caps |
| Availability for Withdrawals | Almost always allowed |
Often allowed |
Not all eWallets are always supported |
| Reversibility/Chargebacks | Difficult | Often possible | Rarely allowed |
Many bank transfer online casino sites are now slowly moving away from using this method and are favouring eWallets, debit cards, and prepaid options because they allow for faster transactions both on your PC or mobile devices.
Jamie Wall Casino Analyst
There are, of course, several different types of bank transfers that you should know about.
The classic option is where the funds go straight from your bank to your casino account. It has great traceability and high limits, but can be fairly slow, depending on the system used. Here are the main systems used for direct bank transfers:
All these different systems have their pros and cons and can change the parameters of your transfer drastically.
An instant bank transfer casino lets you transfer money from or withdraw it to your account within seconds through online banking services, including Trustly and Open Banking. It provides a quick and smooth operation similar to using eWallets, only with the added security of traditional banks.
The typical choice for large international transactions using the SWIFT network and often with other banks acting as intermediaries, which also means more fees, potentially from multiple banks. It takes around 2 to 5 business days to make a deposit and 3 to 7 for a withdrawal.
This approach uses services like Trustly or Rapid Transfer as intermediaries by connecting to your account through secure APIs to make the whole process faster and more convenient. Deposits are usually instant, and withdrawals can take anywhere from a few seconds to several hours, or up to one whole day in rare cases.
Now that you understand the benefits of opting for an online casino with bank transfer and the basic limitations of some of the systems, it’s time to dive deeper into some of the less obvious potential issues and best practices.
While a classic method like this may seem all cut-and-dried at first glance, there are a few finer points you’ll need to consider before deciding to play on bank transfer gambling sites.
As you’ve seen from previous examples, unless you are using instant transfer solutions like Trustly, an online casino bank transfer deposit can take anywhere between 24 hours and 5 business days, while you’ll need to wait from 2 to 7 business days for withdrawals.
The kicker is that this is only related to how long it takes the bank to process a transaction, and some casinos may take 1 or 2 days to approve a request, adding to the overall waiting time. If you don’t have the patience to deal with this, you’ll want to go over to a fast withdrawal casino and consider other payment methods.
With international wire transfers using the SWIFT system, you may have several banks acting as intermediaries along the way, in which case, each one will add its own processing fee to the final number. These can quickly add up, with the total fees for these transactions often exceeding £50.
Making a direct online casino deposit with a bank account is great for high rollers who want higher maximum limits, but a lot of casinos will make it difficult for more casual players to use this method. The minimum deposit limit can often be as high as £100, and the minimum withdrawal limit can be £100-£200 due to bank fees.
We already mentioned that a particular casino with bank transfer may take an extra day or two to set things in motion, at which point you have to wait another few business days for the bank to finalise the transfer, but you also need to factor in all the non-business days. Trying to withdraw your funds after winning on a Thursday or Friday guarantees an extra two-day delay, and if there is an upcoming holiday, you’ll have to wait even longer.
While having a clear overview of your transaction history is a useful tool for keeping your spending in check, some people may not like the fact that the name of the casino or merchant ID can appear on their bank statements. If you value your privacy and don’t want these transactions to affect your chances of getting a loan in the future, this may be an additional concern.
With all this in mind, we will now give you some insight into how we choose the top casinos to feature on our list, so you can have peace of mind knowing that you are playing at a safe and reputable site.
The main criteria that all the sites have to meet are that they have a UKGC licence and accept bank transfers as a payment method. Here are all the variables we consider and how strongly they affect the final score:
The casino gets a score of 1-5 in all these categories, and everything is then summed up and divided by the number of criteria to get the final score. However, there’s a lot that goes into scoring each category. For instance, here is a breakdown of how we judge the deposit options:
You can find out more about this process on our dedicated deposit review criteria page. Now that you understand our process a bit better, we need to cover the practical side of playing on bank transfer slots sites, or those offering any of the traditional casino games.
Players from the United Kingdom who want to use bank transfers in casinos first need to have a bank account with sufficient funds. You can use your regular account where you receive your paycheck, but it’s also a good idea to have a separate account with a limited amount of money to avoid overspending.
Now, to start playing for real money, you will have to make a deposit on your preferred casino site.
The process is fairly simple and will only take a few minutes. Here’s what you’ll need to do:
All you have to do is wait for a couple of business days, depending on the type of transfer you’ve used, and you’re good to go.
The process is quite similar to the one above:
Wait for a few days.
It will take a little bit longer for the funds to appear in your bank account than it did to make a deposit, so be patient. You may want to look for an instant bank transfer casino if you prefer quick transactions.
Here is a detailed list of the average fees you can expect from different types of bank transfers, as well as the upper and lower limits for both deposits and withdrawals using these methods.
For Deposits
| Type | Average Fee | Minimum Deposit | Maximum Deposit |
|---|---|---|---|
| Standard Bank Transfer | Usually free, but £5-£20 may apply via banks | £20-£100 | £5,000-£100,000+ |
| Instant Bank Transfer (Trustly, etc.) | Free at most casinos | £10-£20 | £5,000-£50,000+ |
| Wire Transfer (Manual) | £10-£30 from bank side | £50-£100 | £10,000-Unlimited |
| Third-Party (Rapid Transfer / Trustly) | Free or £1-£3 per deposit | £10-£20 | £5,000-£20,000 |
For Withdrawals
| Type | Average Fee | Minimum Withdrawal | Maximum Withdrawal |
|---|---|---|---|
| Standard Bank Withdrawal | Free, but £5-£25 possible | £20-£100 | £5,000-£50,000+/month |
| Wire Transfer (SWIFT) | £15-£50+ (sender/receiver/intermediaries) | £100-£200 | £10,000-Unlimited |
| SEPA Transfer (within EU) | Free or £1-£5 | €10-€20 | €10,000-€50,000 |
| CHAPS (UK, high-value only) | £20-£35 (UK banks) | £10,000 | £250,000+ |
| Third Party (Trustly / Open Banking) | Usually free | £10-£20 | £5,000-£20,000 |
There is plenty of variation here, so you have to be careful when deciding which specific type of bank transfer you want to use, or when checking to see if you even have some of these options available to you.
Jamie Wall 
