This guide is general information about how payments at UK online casinos work and is provided for educational purposes only. It is not advice, and it may not reflect the payment methods, limits or processing times available at Fortune Games. Payment options and terms vary between operators and change over time, so always check the current options and terms on site before depositing or withdrawing. 18+.
Pay by Bank and Open Banking Explained
Pay by bank, sometimes called open banking payment, lets you deposit straight from your bank account without using a card. It has become more common at UK casinos as open banking technology has matured, and it appeals to players who would rather not share card details.
How it works
When you choose pay by bank, you are securely connected to your own banking app or online banking to approve the payment. You authorise the transfer directly with your bank, and the money moves from your account to the casino. No card number is entered, and the casino does not see your banking login. The service is supported by most major UK banks, and you do not need to set up a separate wallet or account to use it.
Security and control
Open banking is regulated and uses your bank’s own authentication, so each payment is approved by you within a trusted environment. Because the money comes directly from your account balance, you cannot transfer more than you actually hold, which keeps spending tied to available funds in the same way a debit card does.
Deposits and withdrawals
Deposits by open banking are usually fast. Withdrawals are typically returned to the same bank account, subject to the operator’s processing period and identity checks. As with any method, the verification step has to be completed before a first withdrawal can be released. Many banks show the payment in your statement almost immediately, which can make it easier to keep track of what you have spent.
Is it right for you?
Pay by bank suits players who prefer not to store or share card details and who want payments tied directly to their account. Each payment is authorised individually, so there is nothing saved that could be reused without your approval, and no card to be lost or skimmed. It does not change the operator’s checks or timescales, so the main differences from a debit card are convenience and privacy rather than speed of withdrawal.
Frequently asked questions
Do I need to share my bank login with the casino?
No. With open banking you approve the payment inside your own banking app or online banking. The casino never sees your login details; it only receives confirmation that you authorised the transfer.
Can I overspend with pay by bank?
No. The transfer comes directly from your account balance, so you cannot move more than you actually hold, similar to a debit card.
How are pay by bank withdrawals handled?
Winnings are usually returned to the same bank account, subject to the operator's processing period and verification checks, which must be completed before a first withdrawal.
Related guides: Casino deposit methods overview · How long withdrawals take · Prepaid cards and Paysafecard
18+. Please gamble responsibly. Gambling should be entertainment, not a way to make money, and you should only stake what you can afford to lose. For free, confidential support, contact the National Gambling Helpline on 0808 8020 133 (run by GamCare, free and open 24/7) or visit BeGambleAware.org. If you want to take a break, GAMSTOP lets you self-exclude from UK-licensed online gambling sites free of charge (begambleaware.org · gamstop.co.uk). Fortune Games operates under UK Gambling Commission licence 39175.