Direct bank transfers have become the preferred way to pay for EU casino players. In this article we introduce you to the 12 most popular instant banking providers right now and compare their fees.
Just want to play? You can skip the text and jump to the instant banking casinos that we list in the end. Enjoy!
12. Finshark
- Website: https://finshark.io/
- Fee: 2%
The latest challenger Finshark made its debut on the online casino industry in April 2023, when it appeared on a new MGA casino. This fintech startup was founded in Lund (Sweden) and received its license from Finansinspektionen in Summer 2021.
Currently, Finshark is authorized to offer its instant banking services to 11 different markets. This includes Sweden, Finland, Norway, Denmark, Germany, Spain, Lithuania, France and the Netherlands.
The company has grown in size and opened up three new offices in Europe (Sarajevo, Stockholm and Madrid). It is of course connected with all the big Swedish banks, and if you count the worldwide total, Finshark has over 3000 partner banks.
11. Brite
- Website: https://britepayments.com/
- Fee: None
Brite is another relatively new Swedish instant banking provider, that offers its services to EU casino players. Those living in Sweden can only use the payment method on sites authorized by Spelinspektionen, while the rest of us have a bigger list of Brite Casinos to choose from.
We lift the hat to this Stockholm-based company for encouraging players to stick to the country’s own license system, even though there is no law forbidding payment providers to offer their services on foreign casinos.
The best part is that there are no fees attached for regular people. Instead, it is the casino operators that pay the cost.
10. Noda
- Website: https://www.noda.live/
- Fee: 1%
Naudapay is a British fintech startup that also wants its share of the instant banking casino cake. It has offices in Cyprus, Lithuania and Spain to be able to offer it services to EU players. Noda is the name of the payment option. So far, we have only seen it on Hellspin Casino and its sister sites.
Noda / Naudapay is connected with both traditional banks and neo banks. We found it to be quite a hassle, since it doesn’t support electronic bank identification. Instead, you had to use the physical bank card reader. The fee is lower than other bank providers though.
9. Flykk
- Website: https://www.flykk.it/
- Fee: 3,99%
Flykk can be found as a payment option on several Curacao casinos. This tier-2 instant banking option is quite tedious to set up, which makes many players give up during the process. First you have to install the app, and then you need to upload your passport, take a selfie and send proof of address.
But once that is done you will be able to enjoy instant bank transfers up to 100 000€ each. Please keep in mind that Flykk charges a 3,99% foreign exchange fee, so we wouldn’t recommend it for big deposits.
Especially since it is hard to find proper information about the company on the website. But we did some digging, and the company’s trading name is ISX Financial EU Ltd and it has authorization from the Central Bank of Cyprus.
8. Pion and 7. Monerchy
- https://pion.finance/
- https://monerchy.com/
This Baltic company duo is another instant banking option that can be found on online casinos from Curacao. They mostly cooperate with neo banks, such as N26, Revolut, Wise, Bunq B.V. These non-traditional banks are easy to set up online and they tend to offer better conditions for those that wish to pay in multiple currencies.
PionPay OU is licensed by the central bank of Lithuania and has its HQ in Tallinn. Monerchy on the other hand has its office in Vilnius, Lithuania. We wouldn’t recommend this option for newbie casino players, since the setup can be a bit confusing. But if you looking for instant SEPA payments with a 10€ minimum deposit limit and low costs this one is for you.
6. Klarna
- Website: https://www.klarna.com/
- Fee: 0€ – 29%
The Swedish Klarna is one of the biggest payment providers in Europe with more than 150 million active customers, so we don’t think it requires a closer company introduction.
In the Nordics, Klarna is heavily associated with invoices and bill pay, but did you know that Klarna actually offers direct bank transfers too? Then you pay the whole purchase immediately, instead of dividing it into instalments.
You can find many Klarna Casinos in 2023. The pay later option is disabled for casino players in many countries to encourage safe gambling, but the instant bank transfer is always available. The fees vary depending on the option. It is free only if you pay directly or in less than 30 days.
5. Sofort
- Website: https://www.sofort.com/
- Fee: 0€
Sofort is German and can be translated to Immediately or Directly. This bank transfer provider was founded in Munich already in 2005 and claims to be #1 in Europe. It is available in 13 countries, including Germany, Austria and the Nordics.
In 2014, Klarna bought Sofort, so nowadays this provider is also Swedish-owned. While Sofort is a big actor on the e-commerce industry, it exists relatively few Casinos with Sofort Überweisung in 2023. They are mostly found on casinos targeting the DACH region. Please visit Slotsoo Germany for the casino sites specialized in this market.
4. Swish
- Website: https://www.swish.nu/
- Fee: None
The bank payment app Swish was created in 2012 as a joint effort by the biggest banks in Sweden. They created the new company Getswish AB for this. Over the years, more banks have joined and now it has over 8 million private users and more than 319 000 companies connected to the service.
Swish is very easy to use since it is connected to your mobile number. It is also very secy Many Swedish casinos are offering this payment method and deposits start from just 5€ (50 SEK). We certainly wish it would be available in more countries so that we also could use it.
3. Siirto
- Website: https://siirto.fi/
- Fee: 0€
Siirto means transfer in Finnish and works similarly to Swish. It is only available in Finland and has over 1,4 million users, which is impressive considering the country’s total population is 5,5 million. This mobile open banking solution lets you make instant payments with the phone number connected to your bank account.
The owner of Siirto is Automatia (the company overseeing the Otto ATMs) and it is available for Nordea, OP, Ålandsbanken and S-Pankki customers. Unfortunately, you cannot find any Siirto casinos in 2023, since Veikkaus still has monopoly. We hope this will change soon when / if Finland decides to open up the casino market.
2. Zimpler
- Website: https://www.zimpler.com/ (warning: flashing animations)
- Fee: 0€ or 3,4%
On second place in our instant banking list we have Zimpler AB from Sweden. You can find many casinos with Zimpler targeting Europeans in 2023, and that is the main reason why we have given them this rank. Another one is the easy registration with your phone number.
It is free to use as long as payments doesn’t involve change in currency. Apart from the hefty FX fee, we do not have anything negative to say about the company. Withdrawals are received almost instantly thanks to the automatic verification of ID and address via your bank.
1. Trustly
- Website: https://www.trustly.com/
- Fee: None
Trustly is the OG of instant deposits and withdrawals in the online casino world. The Swedish company launched its open banking service back in 2016 and it still has the largest market share among EU casino players.
It is no surprise, considering it is so easy to use thanks to digital bank identification. Also there is no fees for users. Please check out our guide to Trustly Casinos for more information.
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