Trustly is a widely used Open Banking payment solution in Northern Europe that connects your favorite bank directly to the casino – without sharing card details. This means fast deposits and often instant withdrawals, especially in fast casinos and no-account casinos. Below, we explain how Trustly works, what the typical process is, and what to do if issues arise.
What is Trustly and How Does It Work?
Interbank Payment Without a Card
Trustly facilitates payments between bank and casino such that you only enter authorization in your online bank. There is no need for card or wallet details; the payment moves on SEPA/instant rails according to bank support.
Open Banking and Authentication
Trustly uses Open Banking APIs to create a secure connection between your bank and the merchant. Authentication is done using the bank's own means (Smart-ID, Mobile-ID, PIN calculator), so logging in and signing is familiar to you.
Deposit vs Withdrawal with Trustly
Step-by-Step Process (KYC Relation)
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In the casino, select Trustly as the payment method and your bank.
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Log into your bank (SCA – two-factor authentication) and confirm the amount.
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The deposit usually arrives within seconds; when creating an account, the casino receives basic data (name/IBAN) for KYC from the bank's response.
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For withdrawal, select Trustly again and the same bank account; once KYC is complete, the payment occurs automatically.
Typical Time Frame and Possible Exceptions
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Deposit: 0–1 minute (instant).
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Withdrawal: 1–15 minutes, but manual review or an active bonus may add a delay.
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Exceptions: bank maintenance windows, holidays/weekends, initial KYC, or large amounts (>€10,000) may extend the time.
Security and Data Protection
Encryption, PSD2, and SCA
Trustly complies with the PSD2 regulation: all payments require Strong Customer Authentication (SCA). Data transmission is encrypted and authentication occurs within your bank's environment – neither the casino nor Trustly sees your login codes.
Account Data Handling and Privacy
The casino only receives the minimum data necessary for payment confirmation (e.g., account name/IBAN). Personal and payment data processing is done in accordance with GDPR; logs and evidence are retained for regulatory purposes.
Common Issues and Solutions
Bank Maintenance Windows and Limits
If the bank is undergoing maintenance, the transaction may remain in a “pending” state until the window is over. Check the bank's daily/monthly limits (transfer limits, payment channel limits) and reduce the amount or split it into multiple parts.
Declined Transactions, Retry/Alternative
If a transaction is declined, ensure you are using the same account as for the deposit, that you do not have an active bonus wagering, and that KYC is complete. Try again in 10–15 minutes or choose an alternative (e-wallet, card). Provide customer support with a screenshot and reference number.
Summary – When to Prefer Trustly?
Choose Trustly when you want instant deposits and withdrawals, use your bank without sharing card details, and keep the process within PSD2/SCA framework. The best experience is in no-account and fast casinos, where payments are fully automated and KYC is done early. For large amounts, holidays, or during maintenance windows, expect possible delays – in such cases, a smaller test withdrawal and adjusting limits can help.
Korduma Kippuvad Küsimused
Does Trustly always require KYC?
Trustly does not always require separate KYC, as the necessary data is automatically obtained through the bank.
Can Trustly be used with all Estonian banks?
Yes, Trustly can be used with all major Estonian banks such as SEB, Swedbank, and LHV.
How 'instant' is a Trustly withdrawal really?
Trustly withdrawals are mostly instant – the money reaches the account within 1–5 minutes, except in the case of manual review.
Is there a fee for Trustly transactions for the player?
Trustly transactions are usually free for the player, but some casinos may add their service fee.
