Best Bank Transfer Casino Sites in 2025

Detailed overview of the best bank transfer casinos: Editor’s choice

Feature	Raptor	Rizk	VulkanVegas
💵 ⬇️ Min deposit	🔺 €10	🔺 €10	🔺 €20
💰 ⬇️ Min. withdrawal	🔻 €20	🔻 €20	🔻 €20
🔄 Withdrawal options	Bank transfer, Skrill, Trustly	Neteller, Bank transfer, Skrill, E-Wallet	Crypto payout, Jeton, Debit Cards, Bank Transfer
⏱️ Withdrawal speed	Instant - 72h	Instant - 5 days	48h - 72h
🎁 Bank Transfer bonuses	10% Cashback bonus	100% Bonus up to €100 + 100 free spins	100% Bonus up to €100 + 80 free spins
✅ Pros and 🚫 cons	👍 Broad availability👎 Slower than e-wallets	👍 Low min deposit👎 No crypto payments	👍 High max limit👎 Requires KYC before first withdrawal

All bank transfer casinos

What is a bank transfer, and why is it popular at online casinos?

For frequent players, bank transfers are a great way of moving money. This method is universally accessible, unlike some other digital payment options, such as e-wallets or mobile payments. Using a bank transfer means you can send money directly from your bank to your casino account, eliminating the need for a middleman. They're convenient, but please note that processing can take a few days. If you're looking to play quickly, this may not be the ideal choice.

Privacy and security

Bank transfers use your bank's robust SSL encryption and multifactor authentication to process payments. This keeps your personal and sometimes sensitive information, such as passwords, PINs, and personal details, completely private; the casino or other third-party entities will never have access to it.

Fraud is relatively uncommon with bank transfer payments, thanks to the use of SEPA and ACH. Transfers come directly from the account you're registered to, which makes unauthorised payments nearly impossible.

If you use bank transfers for online casinos, the only details that are ever shared are your name and bank account number (this is for payouts). The more personal information, such as transaction history, your account balance, or other personal payments, always remains private between you and your bank.

KYC process with bank transfer

Bank transfers usually differ slightly depending on the bank, but the process is similar across the board:

1. Account registration: Submit your full name, email, date of birth, and residential address when creating your casino account.

2. First deposit authorisation: Use your online banking credentials, including SEPA/ACH login and two-factor authentication (2FA). They will provide identity verification for smaller deposits at online casinos, provided your registered name matches their records. This will help eliminate additional documentation.

3. Documents required for withdrawal: Provide a government-issued photo ID (passport or driving licence) and recent proof of address (utility bill, bank statement, or official correspondence dated within the last three months).

4. Manual vs automated review: Some casinos automate the match between your bank-validated name (via SEPA’s confirmation-of-beneficiary feature) and your profile. Others require manual review, so allow 24–48 hours for full approval.

5. Ongoing monitoring: Casinos look into things more if you're moving large amounts of cash or making numerous transfers. They ask for information such as recent bank details or the source of your money.

How do I deposit via a bank transfer?

Bank transfers are a simple and convenient process used by players worldwide due to their speed.

Here is the method we follow when making deposits using bank transfers:

1. Log in and navigate to the cashier → Deposit → Bank Transfer: In the casino’s deposit section, choose “Bank Transfer,” “SEPA,” or “ACH.” The naming depends on your location and the casino’s licensing.

2. Copy the casino’s banking details: For Europe (SEPA), you'll receive an IBAN, BIC/SWIFT code, and beneficiary name; for the US (ACH), you'll get a routing number, account number, and beneficiary name.

3. Log in to your online banking: Open your bank’s website or mobile app. Navigate to the ‘Transfers’ or ‘Pay Bills’ section, then select ‘External Transfer' or ‘Send to Third‐Party’.

4. Initiate a new transfer: For SEPA, select ‘New SEPA Transfer,’ enter the casino’s IBAN, SWIFT, amount, and reference code; for ACH, choose ‘New Domestic Transfer,’ input the routing and account numbers, amount, and your player ID or reference.

5. Authorise and confirm: Approve the transaction via your bank’s required multifactor authentication (SMS code, hardware token, or app prompt).

6. Wait for processing: For SEPA, funds usually arrive within 1–3 business days or same-day if sent before the bank’s cutoff; for ACH, payouts are processed at midnight and typically arrive within 2–5 business days once cleared.

7. Verify the deposit in the casino account: Log back into the casino after the expected timeline. Your balance should show the deposited amount. If not, please check the Transaction History or contact the casino support team with your bank reference.

What to do if a deposit fails?

If your bank transfer deposit didn’t go through, don't worry, it happens. Here's a quick guide to help you figure out what went wrong:

✅ Confirm your banking details: Double-check IBANs and routing/account numbers for accuracy, as even minor mistakes can result in misdirected payments.

🔍 Check for reference requirements: When depositing via bank transfer, ensure you provide your player ID or specific reference code to avoid delays or rejected transactions.

📞 Contact your bank: If SEPA returns with an “Invalid IBAN” or ACH bounces with an “Invalid Account” error, call your bank to determine if they have blocked the transfer. Ask them to clarify any nightly processing or maintenance.

🎧 Contact casino support: Provide your bank reference number (SEPA: EndToEndId; ACH: transaction ID) and the exact timestamp of your attempt. The casino possesses the capability to track incoming funds even without a complete reference.

🔁 Retry or use an alternative: If the bank transfer fails after verifying the details, try it again. If the issue persists due to technical problems with the bank or transfer limits, consider using an alternative payment method, such as Trustly, an e-wallet, or a debit or credit card, to ensure a consistent gaming experience.

Do casinos offer bonuses for depositing via a bank transfer?

There are several great bonuses available to players who choose to use bank transfers for their deposits. To save you time, we have curated a list of the best casinos that allow you to claim promotions by using a bank transfer.

Casino	Bonus
Raptor	10% Cashback bonus
Rizk	100% up to €100 and 100 free spins
VulkanVegas	100% up to €100 and 80 free spins

Are there any bonus restrictions with bank transfer?

While most online casinos accept bank transfers for bonus deposits, be aware of potential processing delays that may occur. These delays could impact your ability to meet bonus wagering requirements within the specified timeframe, so factor this into your planning. Please read the terms and conditions to verify if you are eligible to use bank transfers to claim the bonus.

Does a bank transfer give access to exclusive promotions when depositing with it?

There are no exclusive promotions that require bank transfers specifically to redeem, so claiming any available promotions at a casino should be easy. It’s a fairly traditional payment method, so it would be vanishingly rare to see restrictions applied.

How do I withdraw winnings via a bank transfer?

Casinos will have varying steps for withdrawing winnings using bank transfers. They are typically straightforward to implement but do sometimes come with long processing times. Here’s how a member of our team withdrew funds using a bank transfer:

1. Complete casino KYC: Casinos require you to upload a government-issued ID and proof of address (utility bill or bank statement) before any payouts, whether via SEPA or ACH.

2. Log in and access Cashier → Withdraw → Bank Transfer: In the withdrawal section, select “Bank Transfer,” “SEPA,” or “ACH”. You may see separate buttons if the casino distinguishes between deposit and withdrawal channels.

3. Confirm your registered bank details: If this is your first payout, you’ll need to enter and save your IBAN (EU) or routing & account number (US). If you were funded initially with a bank transfer, the system may auto-populate the fields.

4. Enter the withdrawal amount: Respect the casino’s minimum (often €20/$20) and your bank’s receiving limits.

5. Review fees and processing times: SEPA withdrawals usually arrive in 1–3 business days with little or no fee (€1–€5), while ACH withdrawals take 2–5 business days and may incur a $10 fee, sometimes covered by the casino.

6. Authorise and submit: Click ‘Confirm’ or ‘Withdraw.’ Note down the casino’s payout reference.

7. Monitor your bank account: Check your online or mobile banking. Once the payment arrives, you’ll see a credit from the casino. If it doesn’t appear in time, please contact the casino with your reference number to request a status update.

Pros and cons of depositing and withdrawing via a bank transfer

Using bank transfers is a viable option when making deposits and withdrawals at casinos. However, you should be aware of the pros and cons of using them, and here is that list:

❤️ Pros	💔 Cons
🥳 Universal availability: You can use bank transfers at most legitimate casinos in Europe and the US.	😐 Slower processing: SEPA takes 1–3 business days; ACH takes 2–5 days—no instant funding.
🥳 High security and trust: Transferring funds directly from your bank reduces the potential for third-party issues.	😐 Minimum thresholds: Typically, a minimum threshold of €20/$20 applies; individuals who prefer smaller wagers may find this a barrier.
🥳 Lower fees: Often free or carry minimal charges (€1–€5 or $10), especially for SEPA.	☹️ No anonymity: Your name and account number are visible to the casino, unlike e-wallets or vouchers.
🙂 Large transfer limits: SEPA and ACH support high-value transactions (€100,000+ or $250,000+).	☹️ Bank maintenance risks: Scheduled downtime at your bank can result in delays for both deposits and withdrawals.
🙂 Easy record-keeping: Bank statements provide a comprehensive record of transactions, which is crucial for financial management and tax documentation.	😐 Geographic currency restriction: SEPA is EUR-only; ACH is USD-only—cross-currency transfers incur FX costs.

What have other players experienced?

Consider what other players have to say about specific payment methods. Here are some commonly asked questions on online forums and the answers to accompany them:

What are the alternatives to Bank Transfer?

Beyond bank transfers, there are other options, including similar and mixed approaches:

Payment Method	Availability	Currencies & Limits (min–max)	Deposit Speed	Withdrawal Option	Privacy Level	Typical Fees
Trustly	Europe and North America + expanding globally	Major European currencies, USD ; limits ≈ €1 – €10,000	Instant (via bank login)	Instant bank-account payout (	High (no stored login credentials)	Merchant fee 0 – 1.5% (often free to end user)
Skrill	Global (EU, select US)	EUR €10–€10,000/USD $10–$10,000	Instant	Yes – to Skrill wallet, bank transfer, crypto	Medium (account registration)	1%–3.99% per txn; €5 withdrawal
PaysafeCard	Europe, USA	EUR €10–€100 (per voucher) / USD $10–$100	Instant	Not supported (deposit-only); use an alternative for cash‐out	High (voucher 16-digit PINs)	€0–€5 purchase fee per voucher; inactivity fee after 2 / 12 months

Is there a gambling block via my bank?

Getting SEPA and ACH payments switched off is a bit of a head scramble to be honest, this is because of all the different approvals and rules involved. It's not as straightforward as cancelling a debit or credit card. We’ve created this table as a starting point:

Layer	How to activate the block	How to lift It later	Notes
Bank-level controls	• EU (SEPA): In the online-banking app, choose “Merchant Category Block / MCC 7995 – Gambling”.• US (ACH): Use the bank’s “Debit filters” or ask for support to reject any payment to licensed gambling operators.• If no MCC option: Set a €0 / $0 daily transfer limit to the casino’s beneficiary IBAN/routing.	Log back into the same menu and toggle the block off (some banks impose a 24–48 hour cool-off period).	Works for every SEPA/ACH casino transfer, including those with new gambling beneficiaries.
Casino-side self-exclusion	Inside the player account, select “Time-out,” “Deposit limit,” or “Self-exclude.” Multi-operator schemes (e.g. GAMSTOP UK, Spelpaus SE) will also stop new sign-ups.	Wait out the cooling-off window (often 24 hours for a deposit limit change, up to 6 months or more for self-exclusion) or ask support to lift it when eligible.	Blocks all payment methods, not just bank transfers.
Third-party blocking apps	Install Gamban, BetBlocker, or Qustodio on each device ⇒ choose “block gambling & betting.”	Disable in-app (requires a password) or uninstall once the self-set lock period has ended.	Shuts down access to casino websites even if a new banking loophole is found.

Final thoughts on Bank Transfer casinos

Bank transfers are a convenient option for online casino payments, particularly for larger sums of money. Almost every site accepts them, and we’d be shocked if they didn’t. Smaller deposits may take time to process and appear in your casino wallet. This can be a real pain if you’re looking to qualify for a quick welcome bonus that requires a small deposit to activate, and sometimes, it can expire before the bank transfer is processed. Other than that, most transfers genuinely arrive faster than you'd expect.