Open banking casino payments let you pay into a casino app straight from your bank account, approving the transfer in your own banking app instead of typing card details. In the UK it usually appears as ‘Pay by Bank’: Coral and Ladbrokes run it through TrueLayer, while PlayOJO and Casumo name Trustly.
You approve each payment in your banking app, often with Face ID or a fingerprint, and the casino never sees your bank login.
Coral and Ladbrokes offer Pay by Bank through TrueLayer, with a published £5 minimum deposit and withdrawals back to the bank.
PlayOJO and Casumo name Trustly; Casumo also lists Instant Banking.
Some bank gambling blocks only cover card payments, so check whether yours stops bank transfers too.
Pay by Bank isn’t named in the Coral, Ladbrokes or 10bet bonus exclusion lists, but always read the full terms.
Coral / Ladbrokes provider
TrueLayer (Pay by Bank)
PlayOJO / Casumo
Trustly named
Minimum (Coral, Ladbrokes)
£5
Trustly UK regulator
FCA, FRN 1005703
Credit needed
No, paid from your bank account
What open banking casino payments are
Open banking connects your bank account to a merchant so you can pay directly from the account, with no card number involved. In a casino app, you pick Pay by Bank or a named provider in the cashier, choose your bank, and approve the payment using your bank’s usual security.
The provider in the middle is a regulated payment firm. At Coral and Ladbrokes it is TrueLayer, according to their help pages. At PlayOJO and Casumo the named provider is Trustly, which describes its own service as Pay by Bank.
For 10bet, Trustly appears only in a third-party review, so check the app’s cashier to confirm it before planning around it.
Open banking speeds for deposits and withdrawals
Open banking payments are designed to move money in real time, so deposits usually show quickly once you approve them. PlayOJO notes that some deposit methods can take up to 3 working days to credit, without naming which, so a delay isn’t impossible.
Withdrawals depend more on the operator’s own approval than on the payment rail. The table lists what each operator publishes for bank-based payouts.
Published bank withdrawal times
App
Internal approval
Bank payout time
Coral / Ladbrokes
Review team approval first
Instantly to five banking days by method; Fast Bank Transfer 2–4 business days
The main safety point is that you never hand your bank login to the casino. You approve the payment inside your bank’s own app or page, and the provider can’t move money without that approval.
Trustly says it never stores your bank login details and can’t make a payment without your authorisation, in its page on how Trustly protects your payments (opens in a new tab). Its UK business, Trustly UK Limited, is an Authorised Payment Institution regulated by the Financial Conduct Authority under FRN 1005703.
No card details stored by the casino for that payment.
Strong approval using your bank’s security, often biometrics.
No credit: the money comes from your current account, which fits the UK ban on gambling with credit cards.
Identity first: the casino still has to verify your age and identity before you can deposit.
None of that makes the gambling itself safer. The house edge applies whatever method you pay with, and a quick, frictionless deposit can make it easier to spend more than planned, which is why a deposit limit is worth setting first.
Open banking payments and bank gambling blocks
This is the part most guides skip. Many bank gambling blocks were built for card payments, and some don’t cover bank transfers or third-party payment apps.
Do bank gambling blocks cover bank transfers?
Bank
What the block covers
Bank transfers
Revolut
Card payments identified as gambling
Not covered, nor third-party apps
Lloyds
Payments to gambling merchants
Not covered, nor direct debits
HSBC
Debit card gambling, digital wallets
Includes the Pay by Bank app (Commission list)
Monzo, Starling, Barclays
Card payments to gambling merchants
Check with the bank
The Revolut gambling block page (opens in a new tab) says plainly that bank transfers and third-party apps aren’t affected. If you rely on a bank block, ask your bank whether Pay by Bank payments are stopped, and consider GAMSTOP as well.
Pay by Bank isn’t named in the payment exclusion lists for the Coral, Ladbrokes or 10bet welcome offers, which mainly target e-wallets and prepaid methods. That isn’t a promise it qualifies, so read the full terms before your first deposit.
Coral’s list also excludes ‘certain debit cards’ without naming them, which is one reason some players prefer a bank payment for a qualifying deposit. Our page on payment methods excluded from bonuses lists each app’s exclusions side by side.
Open banking vs debit cards and e-wallets on mobile
Each method has trade-offs on a phone. This comparison sticks to what is published.
Open banking compared with other mobile methods
Point
Open banking / Pay by Bank
Debit card
E-wallet (Skrill, Neteller, PayPal)
Details shared with the casino
No card number; approved in bank app
Card number, unless via Apple Pay or Google Pay
Wallet login
Coral / Ladbrokes minimum
£5
Shown in cashier
Shown in cashier
Welcome offer exclusions (Coral, Ladbrokes)
Not named
Certain debit cards at Coral
Excluded
Covered by card-only bank blocks
Not always
Usually
Varies
If you’d rather stay with cards, see our debit card deposits guide. For straightforward bank transfers, which some apps use for withdrawals only, see bank transfer casino withdrawals. Skrill also offers an instant bank transfer option called Rapid Transfer for topping up the wallet; our Skrill page covers it.
When an open banking casino payment fails
Most failures happen at the handover between apps or at the bank’s approval step.
The banking app didn’t open: make sure it is installed, updated and logged in, then try again.
The bank declined it: a gambling block on your account may be stopping it, which is the block doing its job.
Amount refused: check the minimum for the method, £5 at Coral and Ladbrokes.
Money left your bank but the balance hasn’t updated: wait a little, then contact the casino’s support with the payment reference.
These three apps publish an open banking option: TrueLayer at Coral and Ladbrokes, and Trustly at PlayOJO. Each has a welcome offer with its own terms; all are 18+ and terms apply.
Coral Casino: new players, 18+. From 1 October 2026 to 1 February 2027, deposit (certain types excluded) and bet £10+ on slots to get 100 free spins at 10p each on selected games, accepted within 48 hours and valid for 7 days, with no wagering on free spin winnings. Neteller, PayPal, Paysafe, Skrill, prepaid cards and certain debit cards don’t qualify.
Ladbrokes Casino: new customers, 18+. Deposit and spend £10+ on slots for 50 free spins a day for the first 10 days (maximum 500), 10p each on selected games, claimed before 23:59 each day and valid for 7 days, with no wagering. Prepaid cards, PayPal, Paysafe, Neteller, Skrill and Moneybookers deposits don’t qualify.
PlayOJO: new UK customers, 18+, excluding Northern Ireland. Make a first deposit of at least £10 to get 80 free spins on Big Bass Bonanza at 10p each, with no wagering, so winnings are paid in cash. It can’t be combined with other offers and is available only through the designated offer link.
Coral and Ladbrokes publish Pay by Bank through TrueLayer, and PlayOJO names Trustly on its help page. 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?
It is a way to pay straight from your bank account by approving the payment in your banking app, with no card details. In UK casino apps it usually appears as Pay by Bank. Coral and Ladbrokes run it through TrueLayer, and PlayOJO and Casumo name Trustly. Our open banking glossary entry and Trustly glossary entry explain the terms in a sentence or two.
Is Pay by Bank the same as Trustly?
Not exactly. Pay by Bank is the general name for paying from your bank account through open banking, while Trustly is one company that provides it. Coral and Ladbrokes offer Pay by Bank through a different provider, TrueLayer. PlayOJO and Casumo name Trustly. The experience is similar: choose your bank and approve. See our Trustly casino apps page and Pay by Bank page.
What is the minimum open banking deposit?
At Coral and Ladbrokes, the published minimum for Pay by Bank is £5. Casumo applies a £10 minimum to every method, including Trustly and Instant Banking. PlayOJO and 10bet don’t publish a general minimum, so check the cashier. A £5 deposit won’t on its own meet the £10 slot stake needed for the Coral and Ladbrokes offers. Our minimum deposits page compares the figures.
Can I withdraw to my bank with open banking?
At Coral and Ladbrokes, yes: their help pages confirm withdrawals through Pay by Bank, and both also offer Fast Bank Transfer, which takes 2–4 business days once approved. Casumo lists bank withdrawals of up to 5 days, and 10bet says up to 3 business days for bank transfers. Our bank transfer withdrawals page explains the bank route in more depth.
Is open banking safe for gambling payments?
It is a secure way to pay, because you approve every payment in your own banking app and the casino never sees your bank login. Trustly, for example, says it never stores bank login details and can’t pay without your authorisation. That security doesn’t change the cost of gambling, and fast payments make limits more important. See are casino apps safe for the wider picture.
Will my bank’s gambling block stop Pay by Bank deposits?
Not always. Revolut says its block doesn’t cover bank transfers or third-party apps, and Lloyds says its freeze doesn’t cover bank transfers or direct debits. HSBC’s restriction does include the Pay by Bank app, according to the Commission’s list. Ask your bank exactly what its block covers. Our bank gambling blocks guide compares the main UK banks.
Does Pay by Bank qualify for casino welcome offers?
It isn’t named in the exclusion lists for the Coral, Ladbrokes or 10bet welcome offers, which mainly exclude e-wallets and prepaid methods. That isn’t a guarantee, so read the full terms in the app before your first deposit, and ask support if anything is unclear. Our page on payment methods excluded from bonuses sets out each app’s list. 18+, terms apply.
Why did my open banking casino payment fail?
The most common causes are a banking app that isn’t installed or logged in, an amount below the method’s minimum, or a gambling block on your bank account. If money left your account but the casino balance hasn’t updated, contact the casino’s support with the payment reference. Our declined payment guide covers each cause and fix.
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