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How to top up without bank cards
Not all users have or use a bank card conveniently - and that's fine. The modern cash desk supports dozens of alternatives: electronic wallets, instant transfers from a banking application, local payment systems, vouchers, terminals and crypto. This article contains a practical analysis of each method, step-by-step instructions and a checklist that will help you choose a safe and economical method of replenishment without a card.
Key Method Selection Criteria
Before choosing, answer yourself:- Do I need speed (seconds/minutes) or can I save (hours/days)?
- Is anonymity important or is full verification (KYC) required?
- Which currency do you want to use?
- Will the method be compatible with the output (so as not to delay the subsequent output)?
- Priority - minimum fees or convenience/local availability?
1. E-wallets (Skrill, Neteller, Payeer, WebMoney, etc.)
What it is and how it works
E-wallet - intermediary: you replenish your wallet (bank, card, transfer, terminal), then pay from the wallet at the operator's checkout through a secure redirect or iFrame.
Pluses
Very fast (the deposit is usually instant).
Often low fees between wallets.
Convenient on mobile devices.
Minuses
Some casinos exclude e-wallet deposits from bonuses.
I/O fees depend on the wallet and replenishment channel.
Requires KYC at higher revs.
SOP (replenishment)
1. Register your wallet and go through KYC.
2. Replenish your wallet in a convenient way (bank transfer, terminal, crypto).
3. At the checkout, select the appropriate wallet, indicate the amount and confirm through a redirect.
4. Check your wallet balance and transaction history.
When to use
If you need a quick deposit and do not want/cannot use the card.
2. Mobile Banking/Pay-by-Bank/Open Banking
What it is and how it works
At the checkout, select your bank from the list → there is a redirect to the bank's application → you confirm the payment (push/biometrics) - the money goes away instantly.
Pluses
Very fast and safe.
No cards: authorization goes through the bank's application.
Often without commission.
Minuses
Not available in all countries/banks.
SCA/inline confirmation support is required from the bank.
SOP (replenishment)
1. You → choose Pay-by-Bank/Open Banking at the checkout.
2. Select a bank → confirm the transition to the application.
3. Check the amount and details → confirm the transaction in the application.
4. Return to the cashier - deposit credited.
When to use
If your bank is on the list and you want speed and minimum fees.
3. Local alternative methods (APM): mobile wallets, fast transfers, local networks
Examples
PIX (Brazil), PSE (Colombia), BLIK (Poland), UPI (India), mobile operators, local e-wallets.
Pluses
Great local conversion and low fees.
Often instantly.
Minuses
Availability is limited nationwide.
Need casino compatibility with a specific APM.
SOP
1. At the cash desk, select a local method.
2. Follow the instructions (redirect, QR, login).
3. Confirm payment in the mobile application/wallet.
4. Vouchers and replenishment through terminals (Paysafecard, CashToCode, etc.)
What it is and how it works
You buy a voucher in a store/terminal (or online), get a code/card, enter the code at the checkout - the money is credited to the account.
Pluses
You can replenish with cash (useful if there are no banks/cards).
Quickly and safely - do not transfer your bank data.
Minuses
Limits on voucher amount; there may be multiple coupons for a large amount.
Commission and low flexibility (cannot be brought back to the voucher).
Not all casinos accept vouchers for bonuses.
SOP
1. Buy a voucher at the store/terminal.
2. Enter the voucher code at the cash desk → confirm.
3. Money credited - check purchase details.
5. Cash payment terminals/partner cash desks
What it is and how it works
Payment in cash in the terminal (at the partner), the terminal operator makes a payment to the merchant's account. You usually enter your account ID/account number.
Pluses
Full anonymity (if KYC is not required) and availability.
Convenient if there is no bank card.
Minuses
Queues/operating time of terminals; terminal operator commission.
Potentially slower with manual processing.
SOP
1. At the checkout, select "payment by code/through the terminal."
2. Generate a code → enter it in the terminal → pay in cash.
3. Save the check and check the credit.
6. P2P (transfers between people) - careful!
What it is and how it works
Replenishment through transfer to someone else's card/wallet (often to a "manager" or other user), who then drives money to the casino.
Cons and risks
Often prohibited by the rules of many sites.
High risk of fraud, chargeback, blocking.
Loss of withdrawal capabilities (will require confirmation of source of funds).
May lead to account blocking.
Recommendation
Use P2P only if it is explicitly allowed by the operator and through proven services, it is best to avoid.
7. Cryptocurrency (direct deposit)
What it is and how it works
You send crypto to the operator's address (or through an intermediary). Money is converted and credited in the desired currency.
Pluses
Fast (depends on the network), cheap at low network commissions.
No chargeback - for a merchant this is a plus, for a player - a minus in controversial situations.
Suitable for limited access to fiat.
Minuses
Rate volatility.
Some operators require additional confirmation/restriction.
Incorrect network/address = lost funds.
SOP
1. Check the network and address at the checkout.
2. Make a test transfer of a small amount.
3. After a successful test - send the principal amount.
4. Save the TXID for support.
Safety
Make sure the address matches exactly.
Do not use mixers.
Keep an eye out for the minimal confirmation the casino requires.
8. Prepaid cards and vouchers (refill codes)
What it is and how it works
Buy a prepaid card (for example, in a store) or a digital code - enter at the checkout.
Pluses
Convenient if there are no banking products.
Quicky.
Minuses
Commissions, limits, possible limits on bonuses.
Practical Tips - Safety and KYC
Take KYC early. Many alternatives require verification at the first major operations.
Use a method that is then useful for output. Deposit/withdrawal compliance reduces holds.
Disable VPN during payment; pay with a familiar device/IP.
Save checks/screens/TXID - useful for disputes.
Check bonus rules: some methods are excluded from promotions.
Do not transfer money to personal cards of third parties if you are not sure of the legitimacy of the scheme.
Checklist before replenishment (short)
- The method is available in your country and at the operator's cash desk.
- The currency of the deposit is the same as the currency of the account (or you accepted the conversion).
- KYC passed or documents ready.
- Amount within method limits.
- You have access to confirmation (mobile for push/SMS, wallet).
- Saved check/code/TXID after payment.
Frequent problems and how to solve them
The payment was debited, but the money was not credited
1. Wait 5-15 minutes (webhook/asynchronous processing).
2. If not, save the check/TXID and contact support with evidence.
3. Check if the code/address/payment purpose is correct.
Voucher not accepted
Please check your expiration date and regional restrictions.
Make sure the code is entered without spaces or errors.
Refill Rejected/Bank Rejected
Make sure you have limits and that MCC/category transactions are allowed.
Try another method or contact your bank.
Crypto did not reach
Check the network and TXID in the browser.
Contact support by attaching a TXID.
FAQ (short)
Is it possible to replenish completely anonymously?
Partially: Vouchers and terminals give more privacy, but with large amounts and conclusions, KYC and confirmation of the source of funds are usually required.
What is the fastest method without a card?
Pay-by-Bank/Open Banking and e-wallet are usually the fastest (seconds-minutes).
What are the cheapest methods?
Local fast transfers and some e-wallet provided the currency matches - often with almost no fees. Consider intermediary fees and conversion.
What if the method is excluded from bonuses?
Total (short summary)
You can replenish your account without a bank card in many ways: e-wallets, pay-by-bank, local APM, vouchers, terminals and crypto. The choice depends on your geo, speed, cost and withdrawal plans. Always pass KYC in advance, check limits and bonus rules, store payment confirmations and avoid P2P schemes with third parties - this way you will receive replenishment quickly, cheaply and safely.