Open Banking
Open Banking is a UK-originated bank-transfer standard that lets a player authorise a payment straight from a bank account without sharing card details with the casino.
A regulated bank-to-bank rail, not a wallet or a card — payment moves directly between the player's bank and the casino's account.
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Open Banking Casinos — Deposits, Withdrawals and Where to Use
Open Banking is a bank-transfer payment method built on regulated APIs rather than card numbers or wallet balances. Among bank-transfer methods tracked in this catalogue, Open Banking ranks 29th of 35 by the number of casinos carrying it — a position that sits well below high-volume rails such as Rapid Transfer, carried by 70 casinos, and Revolut, carried by 56, and close to the narrow end of the group occupied by UK Faster Payments, Luminor and Gate2way, each carried by 1 casino, and Direct, carried by 4. In this catalogue, Open Banking is currently linked to one operator, Gamblezen, which holds a Curaçao license.
What Is Open Banking
Open Banking is a UK bank-transfer standard, founded in 2016 under the oversight of the Competition and Markets Authority, with its jurisdiction and operating rules based in the United Kingdom. It works by having Account Servicing Payment Service Providers — the banks that hold a customer's account — publish Read/Write APIs. According to the Open Banking glossary, these APIs "permit, with customer consent, payments initiated by third party providers and/or make their customers' account transaction data available to third party providers." In practice, this means the casino never receives the player's card number or full account credentials; the bank itself authorises the transfer after the player confirms consent inside their own banking app.
Because Open Banking is a UK-built framework, its rules do not automatically extend to every country where a casino operates. A game licensed in Curaçao, for instance, can still accept an Open Banking payment initiated through a UK or EU-regulated bank, but the casino's own licensing terms and the bank's regulatory home are separate matters.
How to Deposit and Withdraw with Open Banking
A deposit through Open Banking starts with the player choosing their bank from a list inside the cashier, then confirming the payment inside their own banking app rather than typing card details into the casino's page. The bank, acting as the Account Servicing Payment Service Provider, authorises the transfer and reports back to the casino once the payment clears.
Withdrawals through the same rail move the other way: funds are sent from the casino's account back to the player's bank account. Whether a specific casino actually supports Open Banking for withdrawal, and not only for deposit, is something to confirm before playing, since not every payment method available on the deposit side is mirrored on the payout side. In this catalogue, Gamblezen is the operator currently linked to Open Banking; its own cashier terms, not the payment rail itself, decide the exact payout flow for a given player.
Fees, Limits and Processing Times
Open Banking itself does not set a universal fee schedule the way a card network does — fees, where they exist, are typically applied by the bank or by the third-party provider handling the connection, not by the payment standard. The same applies to transaction limits: they are set at the level of the bank and the casino's own cashier rather than by the Open Banking framework itself.
Processing speed on the deposit side depends on the bank's confirmation step inside its own app, while withdrawal speed depends on the casino's verification process. A casino's Know Your Customer checks can add time to a first withdrawal request regardless of which payment method is used to send the money back.
Open Banking took its current regulatory shape in stages: PSD2 took effect on January 13, 2018, and the additional RTS security measures — the rules behind the bank-app authentication step — became mandatory by July 13, 2019, according to a compliance whitepaper on the PSD2 rollout. That authentication step is why a player confirms a payment inside their banking app rather than on the casino's page.
Security and Safety of Open Banking Payments
Open Banking payments are authorised inside the player's own banking app, so the casino never handles raw card numbers or full account credentials for this method. Only companies authorised by the UK Financial Conduct Authority can use open banking APIs to access financial information or initiate a payment on a customer's behalf, according to a TrueLayer regulatory guide — a restriction that limits which third-party providers can sit between a bank and a casino's cashier in the first place.
The United Kingdom and the European Union diverged in their open-banking oversight after Brexit: UK access rules continue to run through the Financial Conduct Authority and the Open Banking Limited standard, while EU banks apply the same underlying PSD2 and RTS requirements through their own national regulators. A casino's own gambling license is a separate layer again — Gamblezen, for example, operates under a Curaçao license.
- Withdrawal support — confirm the casino accepts Open Banking for payouts, not only for deposits
- Casino cashier limits — minimum and maximum amounts are set by the operator, not by the Open Banking standard
- Region of the linked bank account — the account must sit with a bank participating in Open Banking
- Verification status — a first withdrawal can be held up by the casino's own KYC checks, independent of the payment rail
Before relying on Open Banking at any operator, it is worth checking the casino directly against the broader list of licensed casinos in the catalogue above, and comparing it with other bank-linked or wallet options such as Neteller casinos or Payz casinos if a wider payout footprint is needed.
Common Misconceptions About Open Banking
- "It's a crypto payment" — Open Banking moves fiat currency between regular bank accounts through regulated APIs; it has no relation to blockchain networks or crypto casinos.
- "Transfers are always instant" — the bank's own confirmation step and the casino's verification process both affect timing; neither is guaranteed to be immediate.
- "There are never any fees" — the standard itself does not charge a fee, but the bank or the third-party provider handling the connection can still apply one.
- "One casino accepting it means most casinos do" — in this catalogue Open Banking is currently linked to a single operator, Gamblezen, which is a narrow footprint compared with bank-transfer rails like Rapid Transfer or Revolut.
Verdict on Open Banking Casinos
"Open Banking suits a player who already trusts their own bank's app more than a card form or a wallet login — the trade-off is a payment rail that, in this catalogue, only one operator currently supports."
Open Banking fits a player who wants to authorise a casino payment inside their own banking app rather than entering card numbers, and who is comfortable with a single-operator footprint for now. For this single operator, Gamblezen, the catalogue currently tracks 11 active bonuses with a minimum wagering of 20x, an average of 38x, 10 including free spins, and match up to 600%. It is a weaker choice for a player who needs a payout method confirmed across several casinos, since the catalogue currently links it to Gamblezen alone, or for a player outside the UK or EU banking system, since the standard depends on the player's own bank participating in Open Banking in the first place.
Prefer a payment method with a wider footprint in this catalogue? See also Neteller casinos and Tether (USDT) casinos for alternatives with a larger number of linked operators.
Gambling is entertainment, not a way to make money or fix finances. Set deposit and time limits, take regular breaks, and use self-exclusion tools if play stops feeling like fun. Licensed operators provide these tools — using them is a sign of control, not weakness. Learn more on Responsible Gambling →
Update history
- Sep 15, 2026 — Added UK/EU regulatory split, PSD2/RTS timeline, FCA authorisation rule and peer-position data for Open Banking.
Open Banking – FAQ
How long does an Open Banking deposit take at a casino?
The deposit is confirmed inside the player's own banking app; once the bank approves the payment, the casino cashier typically reflects it after the bank's confirmation step completes, which is the same authentication step required under the RTS security rules since July 2019.
Can I withdraw casino winnings back through Open Banking?
Only if the specific casino supports Open Banking on the payout side, not only for deposits. In this catalogue, Gamblezen is the operator currently linked to Open Banking, and its cashier terms decide the exact payout flow.
Does Open Banking charge its own fee?
The Open Banking standard itself does not set a universal fee; any charge comes from the bank or the third-party provider handling the connection, or from the casino's own cashier policy.
Is Open Banking regulated the same way in the UK and the EU?
No. UK access to Open Banking APIs runs through the Financial Conduct Authority and the Open Banking Limited standard, while EU banks apply the same underlying PSD2 and RTS requirements through their own national regulators, a split that followed Brexit.
Is Open Banking safe to use for casino payments?
Open Banking payments are authorised inside the player's own banking app, and only companies authorised by the Financial Conduct Authority can use the APIs to access financial data or initiate a payment on a customer's behalf, which limits who can sit between the bank and the casino.
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