The Best SEPA Online Casino in 2024

kay jones
Written By Kay Jones

In case you are in the EU, you can make your life a lot easier by using SEPA to deposit or withdraw funds at your favourite online casino. It's quick, it's easy, and most importantly, SEPA is one of the safest payment options you'll ever encounter. However, this still isn't the most widely accepted banking option, but when we look at the bigger picture, benefits most certainly out shadow the downsides. If you want to learn more about this exciting payment option, read our SEPA review to the fullest, as we will reveal all of the essential details every casino player should know. 

How Does SEPA Work? 

sepa payments

Let's get it straight from the beginning. SEPA is not the payment company or payment processor, like PayPal, MasterCard or the Paysafecard. The name SEPA stands for Single Euro Payment Area, and it's an initiative started by the European Union to make bank transactions in Euros much easier and faster. At the time of writing this review, there were 36 countries in the SEPA system which includes 28 members of the EU, 4 members of the European Free Trade Organization (Norway, Switzerland, Iceland and Lichtenstein) plus Andorra, Monaco, San Marino and Vatican City.  

So as should be clear by now, SEPA is not a separate payment processor. It's rather an agreement among the European banks to make payment a lot easier than before. As you could see it covers almost the whole of Europe, meaning that it's available to the wide range of players. Cross-countries payments usually mean that there will be high fees and long waiting times involved, but that's not the case with SEPA, because all payments are conducted as if there are no borders at all.  

The great thing with SEPA is that it works with almost all forms of electronic payments. So whether you want to use bank transfers, credit or debit cards, you'll be able to enjoy all benefits SEPA brings to the table. But keep in mind one crucial thing. SEPA applies only to transactions in Euros. It means that you can't use it to deposit or withdrawal in Pounds, Dollars or any other currency. This, of course, doesn't mean that the payments will be stopped. You'll just be charged a currency conversion fee in the process, but the transaction will still be quick and super safe. 

Is SEPA Safe?

We are glad you asked. One of the main SEPA benefits is its unmatched safety. When depositing with SEPA, you don't have to provide any of your personal info to the third party processors. There are only you, your bank and the casino. As you already know, a bank transfer is probably the safest possible way to transfer money (you don't see people pay for a car over Skrill or Visa, do you?). But the thing is that bank transfers are usually pretty slow. That is when SEPA steps up! It will make all payment several times quicker while keeping it extremely secure. The European Central Bank monitors all transactions, so you can sleep peacefully knowing that SEPA will get the job done correctly. 

How to Start With the SEPA?

If you want to start using SEPA, the only thing you can do is make sure that your bank is a member of the SEPA initiative. Almost all major European financial institutions are part of the agreement, so there is a great chance that it's already available in your bank as well. The casino is the other part of the equation, so be sure to check out the 'Banking' page or contact their customer support to make sure that SEPA is among the available payment options. If everything is ok, you can start sending and receiving payment right away. There is no need to open a separate account or anything like that. Just request a SEPA payment from your bank, and that's it! 

SEPA Casino Deposits - Extra Safe and Reliable 

sepa supported countries

As we mentioned above, the only thing you need to get started with this payment method is an account in the bank that is part of the SEPA. After that, everything is more or less straightforward. You'll have to fill a few more spots than when paying with e-wallets, but it's all rather straightforward. Note that the IBAN, SWIFT and BIC are required to complete SEPA payments, so be sure to get them from your bank before trying to deposit. If you have already used Bank Transfer to stake at online casinos, then this will be an effortless task for you. In any case, we have made a step-by-step guide, just to avoid any possible mix-ups. 

  1. Visit an online casino that has SEPA available.
  2. Go to the Cashier. 
  3. Choose SEPA from the list of payment methods. 
  4. Find a casino payment details or ask the customer support. 
  5. Enter the details and send the payment. You can do this from the online bank client or directly at the nearest branch of your bank. 
  6. The bank will send you the control number. You can forward that number to casino customer support, to be extra sure. 

This may seem like a lot, but it's actually pretty simple once you get the hang of it. If you have any doubts, don't hesitate to contact casino customer support of even your bank. SEPA is not the simples payment method of them all, but it's definitely one of the best ones for European casino lovers. 

How to Withdrawal By SEPA?  

Luckily, SEPA withdrawals are much simpler than the deposits. If you want to cash out by this payment method, you only need to choose it from the list of available options and fill in the form. They will ask you for things like name, surname, address, as well as IBAN, SWIFT or BIC, so be sure to get them from your bank in time. After that, confirm the request, and that's it! The money will be on its way! Another great thing about SEPA withdrawals is that they are pretty fast. In most cases, you can expect the winnings to reach your bank account within 1-3 days. But don't be a surprise if it sometimes happens almost instantly!

SEPA Casino Benefits - Why Should You Start Using SEPA?  

There are more than one great thing about SEPA transfers, but we will stick only to three of the most important points. SEPA is a result of decades-long integrations between European states, so creating it was no easy task. But that's the reason why it has such great benefits. Scroll down and take a look at what we think are the most important reasons why you should start with SEPA. 

  • It's very, very safe - SEPA is easily one of the most reliable payment options on the market. 
  • Quick - Most of the SEPA withdrawals will be executed in only a couple of days, while some casinos even offer instant cashouts via SEPA. 
  • No third party apps - When making a SEPA payment, there is only you, the bank and the casino, so no need to worry about some middlemen messing up with your private data.  

Downsides of SEPA - The Other Side of the Coin 

We always try to give both sides of the storey, as that is the only way for you to make an informed decision. Just like with all other online casino payment methods, there are some not-so-bright sides of using SEPA. You'll find below a few of the most significant downsides for using SEPA for casino deposits and withdrawal, so be sure to consider them as well before placing your money. 

  • Not widely accepted - Apart from the fact that this is an EU only payment option, SEPA is not widely accepted even among the European casino operators. 
  • Complicated to deposit - It's not that hard to place a SEPA deposit, but it's more complicated than with Skrill or PayPal. 
  • Not discreet at all - All the SEPA transactions will show up in your banking details, which can be a problem if you want to get a loan later down the road. That's because banks don't look to keen on payments towards gambling sites. 

SEPA Fees - Very Small Additional Charges

Another great thing about SEPA is that it charges very low fees. However, we can't tell you the exact costs you can expect, since it depends on your bank. But the point is that it's not going to be much. After all, one of the main goals of SEPA is to make cross-border financial transactions cheaper, so it's no surprise that it is much more affordable than many other payment options. Most banks will charge you somewhere between €0.5 and €4 per transaction, but to be sure, visit your bank's website for more precise info. 

SEPA Alternatives - What Are the Other Options? 

We live in a world where new payment methods are showing up almost every month. Best online casinos tend to offer even more than 20 payment options to their customers. So the main question is, how to pick the right one? Well, there is no unique answer, you'll have to think about what you expect from the payment method, and based on that make the decision. SEPA is definitely one of the top choices for EU players, but there are many other great choices as well. To help you out, we have made a list of a few proven payment processors, so don't miss to give them a look. 


PayPal is still one of the top payment methods for online casinos. It's swift, very easy to handle, and what is most important, there are a lot of casinos that have it enabled. To start using this payment opinion, you'll first have to create a PayPal account and fill it up with your credit card. After that, everything is as simple as it gets. All the payments are just one click away, and in most cases, transactions are instant. You won't have to wait for a few days to top up your casino account or receive winnings. Just send the request, and that's it! If you want to learn more on this subject, don't miss to visit our page about the top-rated PayPal online casinos


Unlike Skrill, Neteller or PayPal, Trustly is not a separate payment processor. It means that you won't have to create and top up separate Trustly account to get the things going. This option transfers money directly from your bank account to the online casino, and vice versa. The best thing is that it doesn't charge any additional fees! So if you are looking for something quick, cheap and secure, Trustly may be the payment method for you. It's initially started in Sweden but nowadays is available for players from all around Europe and the world. 


Remember how we mentioned that the problem with SEPA might be the fact that all transactions are visible in your bank statement? Well, Paysafecard is a solution to that problem. With it, you can top up your casino account with full discretion. You can just buy Paysafecard voucher online or in the shop, and use it to deposit at some of the online casinos, without your bank ever knowing about that. However, the downside is that Paysafecard isn't a withdrawal method, meaning that you'll have to use bank transfer or some other option to receive your winnings.

Meet the Author
As a trained journalist, I enjoy uncovering the hidden details of slot games and casino sites. Whether this means digging deep into an operator's terms and conditions, or into the reputation of a games provider, I've got you covered. You can count on my reviews to give you facts and figures, but I also know what makes for a fun and engaging experience! Overall, my job is to help you find a casino site or game that suits not only your budget and playing style, but your personality too.