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Open Banking Payments for iGaming: Best Pay by Bank Providers

Open banking payments for iGaming run account-to-account deposits and instant bank transfer payouts in seconds, with no interchange and no chargebacks. Pay by bank coverage is deepest in Sweden and Finland, then Germany, the Netherlands and the Baltics, and the rails behind it are domestic instant schemes in the Nordics, SEPA Instant in the euro markets and UK Faster Payments under FCA permissions. Onboarding is built for licensed operators, and several providers do not take offshore-only brands.

Rank 1
Pay by BankPayoutsPay N PlayKYCSEPA InstantRIX-INST
1 award3 licenses900 employees

Read reviewWith Trustly, players deposit straight from their bank account and get winnings paid back to the same account, with no cards or e-wallets involved. In Europe, the money lands on the operator's Trustly balance first, while in the US Trustly guarantees approved payments and takes on the risk of insufficient funds and fraud. Operators get the player's bank data with every payment, and in five markets Pay N Play takes a player through sign-up, KYC and the first deposit in one go.

Pricing€1 per transactionMarkets33PayoutsInstant
Pricing€1 per transactionMarkets33PayoutsInstant
Rank 2
Pay by BankPay N PlayKYCLocal payment methodsSEPASwishPix
1 award4 licensesPix participant

Read reviewThrough Zimpler, players deposit and get paid out account to account over open banking. It connects to Swish in Sweden and Pix in Brazil without an intermediary bank, and in Brazil it holds its own license. Every deposit in Sweden, Finland, Denmark and Estonia brings operators bank-verified player data, and with Zimpler GO that data is enough to open an account without a sign-up form.

Pricingabout 0.5–0.6% per transactionMarkets25PayoutsInstant
Pricingabout 0.5–0.6% per transactionMarkets25PayoutsInstant
Rank 3
Pay by BankPayoutsPay N Play
4 awards2 licenses~160 employees

Read reviewLarge European merchants, including casinos and bookmakers, work with Brite Payments. Players pay from their own bank account with no card and no Brite account, and the deposit lands in the operator's balance right away. Winnings go out from that same balance and reach the player within seconds. Brite's own team answers players' payment questions 7 days a week, including in Russian.

Pricing0.5–1.5% of depositsMarkets27PayoutsInstant
Pricing0.5–1.5% of depositsMarkets27PayoutsInstant
Rank 4
Pay by BankPayoutsFX & settlementAnti-fraud
1 award4 licenses202 employees

Read reviewLondon-based Volt takes deposits from accounts at 2,500 banks across the UK, the EEA and Australia and pays winnings back to the same accounts. It does not take on offshore casinos licensed in Curacao or Anjouan.

Pricing£1.60 per transaction on averageMarkets31PayoutsInstantClientsFarfetchKinguinTrade Nation+3
Pricing£1.60 per transaction on averageMarkets31PayoutsInstantClientsFarfetchKinguinTrade Nation+3
Rank 5
Pay by BankKYCFaster PaymentsSEPASEPA InstantSame-Day ACHRTP
8 awards2 licenses~70 employees

Read reviewYaspa handles open banking deposits for online casinos and sportsbooks in the UK, 18 European countries and the US. Players fund their balance from their bank account and approve the payment in their banking app, with no card and no bank details to type in. As part of the deposit, Yaspa can verify the account holder and, if the player grants access to their bank data, use that data to assess affordability and AML risk.

Pricingup to 1% per transactionMarkets20PayoutsInstant
Pricingup to 1% per transactionMarkets20PayoutsInstant
Rank 6
PayoutsPay by BankCashSEPA InstantSEPASWIFT
2 awards1 license140 employees

Read reviewDanish payment provider Inpay holds an EMI license, takes card-free deposits over open banking and pays out winnings to 90 countries. Operators use it to pay unbanked players in cash at post offices in the Eurogiro network. Inpay stopped taking on new gambling clients on July 27, 2026, and will not resume until Finanstilsynet lifts its restriction.

Pricing1% of payoutsMarkets90PayoutsInstantClientsTrangloNuveiDanish Red Cross+1
Pricing1% of payoutsMarkets90PayoutsInstantClientsTrangloNuveiDanish Red Cross+1

Open banking products

Rank 1
Per-transaction feeRemembers playersVIP limits

Read reviewUS players who have paid with Trustly at another operator deposit in two taps

Price€1 per transactionCountries33Banks12K
Price€1 per transactionCountries33Banks12K
Rank 2
United StatesRemembers playersOwnership checkPayouts to bank accounts

Read reviewNuvei retries the debit twice when a bank returns a deposit with an R01 or R09 code

Deposit settlementAfter 5 business days
Deposit settlementAfter 5 business days
Rank 3
Pay by BankZimplerA2A payments
4 marketsPer-transaction feeRemembers players

Read reviewReturning players go through just one authentication because Zimpler already remembers their bank and account

Priceabout 0.5–0.6% per transactionCountries4Banks5,200Deposit settlementWithin seconds
Priceabout 0.5–0.6% per transactionCountries4Banks5,200Deposit settlementWithin seconds
Rank 4
Pay by BankBrite Payments

Read reviewOperators raise the cap on instantly credited deposits for high rollers by setting a per-bank VIP limit

Price
0.5–1.5% of deposits
Countries
27
Banks
3,800
Launch
Days to weeks
Rank 5
Pay by BankAeropayAerosync

Read reviewAeropay built its own bank aggregator, so operators don't need a third-party account-linking service

Banks
12K
Rank 6
Pay by BankAeropayPay by Bank

Read reviewEach deposit takes one of Aeropay's four routes, including Guaranteed and Instant via RfP

Price
1–1.5% per transaction
Banks
12K
Deposit settlement
Next business day
Launch
Up to 2 weeks
Rank 7

Read reviewVolt reroutes a payment from an underperforming bank connection to another one, much like card cascading

Price
£1.60 per transaction on average
Countries
31
Banks
2,500
Launch
1–2 days
Rank 8
Pay by BankYaspaGuaranteed Payments

Read reviewYaspa covers every ACH return on approved deposits, even when the player changes their mind

Rank 9
Pay by BankYaspaInstant Payments

Read reviewEnhanced mode gives operators the account holder's name and account number, so they can pay out winnings to that account

Price
up to 1% per transaction
Countries
18
Banks
1,200
Rank 10
Pay by BankYaspaIntelligent Payments

Read reviewYaspa uses account data to assess the player's affordability and gambling spend with competitors

Banks
1,200
Deposit settlement
About 8 seconds
Available standalone
Yes
Rank 11
Pay by BankInpayMoney In

Read reviewInpay catches third-party accounts right at deposit by checking the player's name and date of birth against their bank's records

Price
0.5–2% per deposit
Deposit settlement
Real time or near real time
Orchestration & cashiers