Trustly vs Pay by Bank

Trustly vs Pay by Bank: what is actually different

Think of Pay by Bank as the road and Trustly as one of the vehicles. Pay by Bank is a way of paying that uses open banking: you pick your bank at the casino’s cashier, approve the payment in your banking app or with your usual login, and the money moves from your current account without any card details changing hands. Trustly is a Swedish-founded payment company whose UK arm, Trustly UK Limited, is authorised by the Financial Conduct Authority to run that process for merchants. Other companies run it too.

So when you compare Trustly vs Pay by Bank at a casino, you are really comparing two cashier buttons that do much the same job, sometimes run by different providers. For casino bonus purposes, the label matters less than whether the offer terms list it as an excluded method, how the casino handles withdrawals for it, and whether your bank’s gambling block catches it. This page goes through all three. For more method match-ups, see the comparison hub.

How Pay by Bank works at a UK casino cashier

Pay by Bank sends a payment instruction directly from your bank to the casino’s account, with your bank checking it is really you. Trustly’s guide for businesses (opens in a new tab) describes the customer side as paying directly from a bank account at checkout, authenticated with existing online banking credentials or biometrics, with funds moving in real time. Nothing is stored on a card, and nothing is pre-loaded the way an e-wallet is.

1. Open the casino cashier and choose the Pay by Bank or Trustly option.
2. Select your bank from the list and the account you want to pay from.
3. You are passed to your bank’s app or login page to approve the exact amount.
4. Return to the casino, where the deposit should show once the bank confirms it.
5. Start each new deposit from the cashier again; never reuse payment details from an earlier transfer.

That last step matters. Trustly’s help centre (opens in a new tab) warns against sending money to a Trustly bank account using details from a previous payment, because each payment must be started from the merchant so it is linked to the right account. A manual transfer may not be matched to you, and it certainly won’t count as a qualifying deposit for a bonus.

Which partner casinos offer Trustly or Pay by Bank

Our partners describe the method in different ways. Coral’s and Ladbrokes’ help centres list “Pay by Bank”, and the help-page addresses for it carry the TrueLayer name rather than Trustly’s, so the provider there is not Trustly. PlayOJO’s help page names Trustly. Casumo lists Trustly and a separate Instant Banking option for deposits. 10bet appears with Trustly in a third-party listing, but its own help centre does not list methods, so check the cashier.

Both Entain brands cap a single UK deposit at £2,000 and allow no more than three active payment methods in a rolling 30 days. Our pages on Coral’s payment methods, Ladbrokes’ payment methods and Casumo’s payment methods list every option by name.

Do Trustly and Pay by Bank deposits qualify for a casino bonus?

On the published terms, yes at Coral and Ladbrokes. Coral’s exclusions are Neteller, PayPal, Paysafe, Skrill, prepaid cards and certain debit cards; Ladbrokes’ are prepaid cards, PayPal, Paysafe, Neteller, Skrill and Moneybookers. A bank payment fits none of those categories. The pattern is common: casinos tend to shut out stored-value wallets and prepaid products from welcome offers, while payments that come straight from a named bank account are easier to tie to one person. Our guide to how payment exclusions work explains the reasoning.

At PlayOJO, the welcome offer summary names no excluded methods, and Trustly is on its help page. Casumo’s terms say “payment restrictions apply” without listing them in the summary, so read the full terms. At 10bet, only Skrill and Neteller are named as excluded. If you care about getting the bonus, confirm with support before depositing; our page on why a bonus was not credited covers what to do if it goes wrong.

A bank payment can qualify for a bonus and still be a poor reason to take one. The offer should make sense on its own terms: what you get, what you must wager, how long you have.

What a bank deposit gets you at each partner

The bonus maths doesn’t depend on the payment method, but the method decides whether you reach the bonus. Here is what a qualifying bank payment would be worth under each partner’s current welcome offer, using a 96% slot return as the long-run average (actual results vary widely):

The free spins offers look modest on paper but carry no wagering requirements, so what you win is yours. The deposit matches look larger, but part of the bonus is expected to be used up by wagering. Our expected value guide shows the sum in full.

Withdrawing with Trustly or Pay by Bank

Withdrawals are where bank-based methods often look attractive, because money lands in your current account rather than a wallet you then have to empty. At Coral and Ladbrokes, Pay by Bank withdrawals are supported, and a separate Fast Bank Transfer option takes two to four business days after approval. Every payout first goes through internal approval; the help centres then quote anything from instant to five banking days, and neither brand charges a withdrawal fee. Coral’s Pay by Bank help page (opens in a new tab) sets out the method details.

Casumo quotes up to five days for bank withdrawals once approved and charges £3 on withdrawals under £10. 10bet’s help centre gives up to three business days for bank transfers. PlayOJO aims to process most payments within a few hours and returns money to the deposit method where possible. Remember that a casino may ask for verification before you gamble; once you have been verified, it should not use a withdrawal request as a reason to ask for information it could have requested earlier. Read our withdrawal rules explainer for the detail.

Trustly, Pay by Bank and bank gambling blocks

This is the most important practical difference between a bank payment and a card. Many UK bank gambling blocks are built around card merchant codes. A payment initiated through open banking may not pass through that check, depending on the bank. If you rely on a block to keep gambling under control, find out exactly what yours covers.

Revolut’s gambling block page (opens in a new tab) is explicit that it does not stop bank transfers, and Lloyds’ gambling help page (opens in a new tab) says the same about transfers and direct debits. For a broader barrier, combine a bank block with GAMSTOP and a deposit limit. Our Revolut and Monzo pages explain those banks’ tools in depth.

Security and regulation: Trustly vs other Pay by Bank providers

Trustly states that it never stores your bank login details and cannot make a payment without your authorisation. Its UK company is an Authorised Payment Institution under the Payment Services Regulations 2017, with FCA reference 1005703; the wider group is supervised in Sweden. Other Pay by Bank providers operate under similar authorisation, and the approval step always happens inside your own bank.

That doesn’t make the casino itself safe. Only deposit at operators licensed by the Gambling Commission; you can look up the account number on the public register. LC International Limited (account 54743) runs both Coral and Ladbrokes; PlayOJO is run by Skill On Net Limited (39326), Casumo by Recro Limited (61549) and 10bet by Blue Star Planet Limited (43173). Our guide to checking a casino licence shows how.

Trustly vs Pay by Bank myths and facts

UK rules that shape a bank-funded bonus

Since 19 January 2026, a bonus can’t ask you to wager it more than 10 times, and promotions can’t mix casino with betting or bingo. The Gambling Commission’s announcement (opens in a new tab) explains both changes. Since 31 October 2025, you must be prompted to set a financial limit before your first deposit, and since 28 February 2025 operators carry out financial vulnerability checks once net deposits pass £150 in 30 days. Because bank payments draw on your current account directly, these checks can feel more personal; they exist to spot harm, not to judge you.

Your own deposit stays yours throughout: under the CMA principles, you can withdraw your deposit balance during bonus play. See the 10x wagering cap and financial vulnerability checks for dates and wording.

Trustly or Pay by Bank: which suits you

• Want Coral’s or Ladbrokes’ free spins: use their Pay by Bank option from £5 (the offers need £10 on slots); it isn’t on either exclusion list.
• Want PlayOJO’s wager-free spins: Trustly is named on PlayOJO’s help page; deposit at least £10 through the offer link.
• Want a deposit match: Casumo lists Trustly; its 50% bonus needs £20 and 10x wagering in seven days.
• Use a card-only gambling block: consider sticking with your blocked card, or ask your bank whether open banking payments are covered.
• Prefer fast access to winnings: compare each casino’s published bank payout times above, and verify early.

If you’re weighing other options, our Trustly casino bonus and Pay by Bank casino bonus pages go deeper, and Apple Pay vs Google Pay compares the phone wallets.

Where a Trustly or Pay by Bank deposit fits the offers

Coral is the closest fit for a Pay by Bank deposit: 18+, new players, deposit and bet £10 or more on slots for 100 free spins at 10p on the selected games, accepted within 48 hours and valid seven days, with no wagering on winnings; the offer runs from 1 October 2026 to 1 February 2027. Ladbrokes works the same way for the first £10 (18+, new customers), then gives 50 spins a day for 10 days, up to 500 at 10p, each day claimed by 23:59, no wagering.

For Trustly, PlayOJO is the natural pick: 18+, new UK customers outside Northern Ireland, £10 minimum first deposit via the designated link for 80 spins on Big Bass Bonanza at 10p, winnings paid in cash. Terms apply to all three. The two Entain brands share an operator, so check whether you can claim at both; see Coral’s bonus terms and PlayOJO’s bonus for the full details.

18+. Gambling should be entertainment that costs money, not a way to make it. Decide a budget before you play: set a budget. Free, confidential help: National Gambling Helpline 0808 8020 133.