Open banking is the system that lets a regulated provider connect your bank account to a merchant, so you can pay a casino app directly from your account and approve it in your own banking app. In casino cashiers it usually appears as Pay by Bank, run by providers such as TrueLayer or Trustly, with no card details involved.
Open banking connects your bank account to a merchant through a regulated provider; you approve each payment with your bank.
In casino apps it’s usually labelled Pay by Bank. Coral and Ladbrokes use TrueLayer; Casumo and PlayOJO name Trustly.
Coral and Ladbrokes publish a £5 minimum deposit for Pay by Bank.
Some bank gambling blocks cover only card payments, so they may not stop a bank-to-merchant payment.
Pay by Bank isn’t among the named exclusions in Coral’s or Ladbrokes’ welcome offer terms.
Also called
Pay by Bank, instant banking
How you approve
In your banking app or online banking
Card details shared
None
Coral and Ladbrokes minimum
£5 via Pay by Bank
Providers in partner apps
TrueLayer, Trustly
What open banking means
Open banking lets you give a regulated third party permission to start a payment from your bank account or read account information. For paying, that third party is a payment initiation provider. It hands you over to your bank, where you log in with your normal details or biometrics and approve the exact amount.
This is the point most people miss. Many bank gambling blocks work by spotting card payments to gambling merchants, so a payment started through open banking may not be caught.
Revolut says its block doesn’t affect bank transfers or payments through third-party apps.
HSBC’s restriction, according to the Gambling Commission’s list, includes the Pay by Bank app.
If you rely on a block, ask your bank exactly what it covers, and consider GAMSTOP or Gamban as well. Our bank gambling blocks guide compares the main banks.
Related open banking terms
Minimum deposit: the smallest amount a payment method accepts.
Pay by Bank isn’t among the named exclusions in Coral’s or Ladbrokes’ welcome offer terms, though Coral also excludes certain debit cards, so check before you pay. 18+ and terms apply to all three offers.
Coral (18+, new players, 1 October 2026 to 1 February 2027): deposit and bet £10 on slots for 100 free spins on selected games at 10p each; accept within 48 hours, valid 7 days, no wagering on winnings.
Ladbrokes (18+, new customers): deposit and spend £10 on slots for 50 free spins a day for your first 10 days, up to 500 at 10p each; claim before 23:59 daily, valid 7 days, no wagering.
PlayOJO (18+, new UK customers excluding Northern Ireland): deposit at least £10 for the first time for 80 free spins on Big Bass Bonanza at 10p each, with no wagering and winnings paid as cash; designated link only.
Pay by Bank isn’t named in the excluded methods for these offers, but check the full terms before you deposit. 18+, terms apply.
Coral and Ladbrokes are both run by LC International Limited (Entain). If you already hold an account with one Entain brand, you may not be able to open another; check the terms first.
Significant terms: 18+. New players only. Offer runs 01/10/2026 to 01/02/2027. Deposit (certain types excluded) and bet £10+ on slot games to get 100 free spins (selected games, £0.10 each, 48 hrs to accept, valid 7 days). No wagering on free spin winnings. Deposits by Neteller, PayPal, Paysafe, Skrill, prepaid cards and certain debit cards do not qualify. Restrictions and T&Cs apply. GamCare.org.uk
Read our Coral app reviewLicence: LC International Limited, Gambling Commission account 54743. Offer checked 5 October 2026.
Time limitClaim daily for 10 days; each batch valid 7 days
Worked valueUp to 500 spins at £0.10 (up to £50 in spins)
Significant terms: 18+. New customers only, from 14/11/25 until further notice. Certain deposit methods excluded. Deposit and spend £10+ on slots for 50 free spins a day during the first 10 days after first deposit and registration (max 500, £0.10 each, selected games, claim before 23:59 each day, valid 7 days). No wagering. Prepaid cards, PayPal, Paysafe, Neteller, Skrill and Moneybookers deposits do not qualify. Restrictions and T&Cs apply. GamCare.org.uk
Read our Ladbrokes app reviewLicence: LC International Limited, Gambling Commission account 54743. Offer checked 5 October 2026.
Significant terms: 18+. New UK customers (excluding Northern Ireland). First deposit only. Minimum deposit £10. 80 free spins on Big Bass Bonanza, £0.10 each. No wagering requirements; winnings paid in cash. Cannot be used with any other offer. Only available to players who arrive through the designated offer link. Full T&Cs apply. GamCare.org.uk
Read our PlayOJO app reviewLicence: Skill On Net Limited, Gambling Commission account 39326. Offer checked 5 October 2026.
18+. Every casino game has a built-in house edge, so over time you should expect to lose what you stake. Set a budget before you play and stop when it’s gone: safer gambling tools and support. Free, confidential help: National Gambling Helpline 0808 8020 133.
Frequently asked questions
What is open banking in a casino app?
Open banking is a way to pay a casino app directly from your bank account, using a regulated provider that connects the two. You choose your bank in the cashier, approve the payment in your banking app, and the money moves without any card details being shared. Casino apps usually label it Pay by Bank or instant banking. Our Pay by Bank guide explains the method in more depth.
Is open banking safe for gambling payments?
It uses your bank’s own security, so you log in and approve each payment with your bank rather than giving card details to the casino. Providers must be regulated to start payments, and Trustly, for example, says it never stores your bank login details. The main risk is different: some bank gambling blocks don’t cover these payments. See our guide to whether casino apps are safe for wider security points.
Does a bank gambling block stop open banking payments?
Not always. Many blocks target card payments to gambling merchants, so a bank-to-merchant payment may get through. Lloyds says its freeze doesn’t cover bank transfers, and Revolut says its block doesn’t affect bank transfers or third-party apps. HSBC’s restriction is listed as covering the Pay by Bank app. Check with your bank, and read our page on whether your bank can block casino app payments.
Can I withdraw with open banking?
At some apps, yes. The Coral and Ladbrokes help centres list Pay by Bank for both deposits and withdrawals, plus a withdrawal-only Fast Bank Transfer that they say takes 2–4 business days once approved. Other partners don’t publish pay-by-bank withdrawal details, so check the cashier. Every withdrawal also goes through the operator’s own approval first. Our withdrawal guide walks through the process.
What is the minimum deposit with Pay by Bank?
A £5 minimum for Pay by Bank deposits is published by Coral and Ladbrokes, the lowest figure they give for any method. Casumo says its minimum is £10 for every method, and the other partners don’t publish a pay-by-bank minimum. Welcome offers may need more, such as a £10 first deposit at PlayOJO. Compare published figures in our minimum deposits guide.
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