Even though across online casinos today you'll find a great variety of modern, fast, and easy-to-use payment methods, there are still solutions like direct debit (offline bank) found on the accepted methods list, in operators' efforts to cater to all players, regardless of age or country, and make their online gambling experience the best there is. Direct debit (offline bank) is, as implied by its name, a debit card that allows for offline transfers of money. It functions similarly to paper checks, and it is mostly used by older generations of players, yet it has retained its place on the list of accepted payment methods across a decent number of sites, meaning it still deserves your attention. So, stay right here to learn all about it, as maybe sometimes, you might need to use it. What is direct debit (offline bank) and why use it as your deposit method at an online casino?
About Direct Debit (Offline Bank)
Across the online gambling industry today, you will find thousands of excellent, innovative, and alternative payment solutions to use to fund your casino account and cash out winnings from it. But even so, hard-core players that have been playing online since the dawn of online gambling, swear by traditional payment methods like direct debit (offline bank). This is, as its name implies, a debit cardthat functions offline, as opposed to standard debit cards you’re using every day and are processing transactions with the aid of the internet. As such, special attention needs to be paid to it, so that you can figure out whether you’d like to use it or not.
So, this is an automated payment card that allows you to pay for services and goods directly from your bank account, just like standard debit cards. The difference is, however, that this card is not online, so the transactions with it are not instant, and there’s a huge delay before the amount of money is debited from your account to the intended destination. We're talking 24 to 72 hours, that's about the time needed for the transaction to be processed since the card is not connected to any online system when used.
As such, the solution is similar to checks, as it does not require a PIN upon transacting like standard debit cards, but it requires only your signature. That’s why these cards are also known as “check cards” and are not offered all over the globe, but in some countries only. What’s more, they are primarily used for payments and purchases, but not for withdrawing or depositing funds at an ATM.
These cards are sponsored by card network providers like MasterCardand VISA, meaning you can get them almost anywhere where standard MasterCard and VISA cards are issued. This, in return means, that your card will be issued by your bank in partnership with MasterCard or VISA, and it will also be connected to your bank account. The transaction you request via a direct debit (offline bank) card will create a debit against your bank account with delayed processing. There will also be a maximum daily limit to respect, which will be lower than with a standard debit card since your bank account will not be accessed directly due to its offline nature.
Getting Started with It
The getting started procedure with this solution would be basically the same as with standard debit cards. Meaning, as mentioned, that you need to have an account with a bank that issues VISA or MasterCard cards. Assuming you do, since basically most, if not all, banks do, you are good to go. If not, you would need to open a fresh new account with one such bank, and then you can proceed with the card application procedure.
So, you would need to visit your bank and ask the clerk to give you the form for direct debit (offline bank) card application. Once you get it, fill out the form with the required details. The bank will accept your request and in collaboration with VISA/MasterCard, will approve or deny it. Assuming it approves it, the card will arrive at the bank or on your doorstep, in an envelope containing the codes you’ll need for authentication and verification, just like with standard debit cards. VISA and MasterCard continue rolling out new protocols for safety, so you can rest assured the funds you have on your card will be completely secure.
When using the card, you would basically need to go through a procedure identical to transacting with a standard debit card, only this time you need to be aware of the processing times. While with online, standard debit cards, transactions are processed instantly, with direct debit (offline bank) cards they take 24 to 72 hours.
If that’s okay with you, meaning if you will be willing to wait up to 72 hours for your deposit to land on your casino balance, you can start using the solution at an online casino right away. In fact, stay with us, as we’ll go through the procedure step-by-step in the next section.
How to Deposit at Online Casinos with Direct Debit (Offline Bank)?
Due to the risk offline debit card transactions pose for operators, as they can never be certain whether the transaction will be fully completed, at least not until the processing is accepted and finished days later, direct debit (offline bank) is not a popular payment solution. You won’t find it across many online casinos, since the operator is susceptible to certain risks, in case you send the amount but your card is not valid, the transaction gets denied or you don't have enough funds to deposit. That's the reason why you'll find barely a few casinos that offer this solution for deposits.
The minute you find one, make sure you stick with it and create your account with it. From there, to make your first deposit with direct debit (offline bank), do the following:
Log into your player account and look for the Cashier/Banking page.
Find the Deposits tab and on it, locate the Direct debit (offline bank) option.
In the new window, enter the card’s details, as you’d normally do with any card.
Set the amount you want to have on your casino balance.
Confirm the transaction and wait 24 to 72 hours for the transaction to be processed.
How to Withdraw Winnings with It?
Direct debit (offline bank) is not a withdrawal method. Due to its nature, considering it is only used for depositing funds and not withdrawing, you cannot even consider it for cashouts.
The card does not process transactions the other way around, and consequently, you won’t find a casino that offers it for withdrawals.
Fees and Limits
Both limits and fees will apply when using this solution. The thing is, considering this is an offline card, which takes 24 to 72 hours to process the transaction, is not really as trustworthy as standard debit cards, and that’s why the amounts sent must be limited.
As far as fees go, you may be charged an overdraft fee or a returned payment fee. The repercussions for transactions made with insufficient funds are just the same as with standard debit cards. So, in case you joined a casino that offers preliminary acceptance of transactions with an offline debit card that is not fully authorized at settlement and you did not have sufficient funds to send, a returned payment fee will be charged.
Allowed Countries
As mentioned previously, the solution is not offered globally like standard debit cards but is limited to a few countries only.
So, depending on your country of residence, before you even think about using the solution, check whether it is an option in your country and the banks there. If not, you’d need to look for an alternative; the most similar alternative you could think of would, of course, be a standard debit card, or a check maybe.
Accepted Currencies
Again, considering the solution is not offered all over the world but only in some countries, the supported currencieswould depend on the accepting countries.
If the solution is accepted in your country, it means that you will certainly be able to use your native currency when transacting with it, since the card will be connected to your bank and consequently, to the bank account you hold in your native currency. This, on the other hand, means that if you join a casino that gives you the opportunity to use your native currency as the default, you won't be paying the extra conversion fees!
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Is there an official website I could visit to find out more about direct debit (offline bank)?
No, unfortunately, there's no official website to explore to find out more about the solution. You could try VISA or MasterCard's sites to find info on offline cards. You can also Google it and find some bits and pieces of information there, to get a clearer picture of whether it is a solution worth trying or not, but that's it.
Is the solution popular across online casinos?
No, not really. It is certainly not as popular as standard debit cards, however, since it is still present across the online gambling industry, it was worth writing about so that in case you wish to use it, you'll have all the info you could get on it.
What can I do if my direct debit (offline bank) card expires?
You would need to visit your bank and request a card renewal. You might need to provide additional documents, but in most cases, you would just need to pay the renewal fee and in no time, you’ll receive your new card.
Can I cancel a transaction I made with the solution?
That would be difficult. Since it takes 24 to 72 hours for the transaction to be processed in the first place, you won't find a proper moment to cancel the transaction. You may try getting in touch with the operator as soon as the transaction is received, to ask to give you back your money, but that won't probably work either, since the casino will need to look for a different way to send you the money since the card does not work in two ways.
Will I find direct debit (offline bank) on social media?
No, unfortunately, you won’t find the solution on social media in a standalone profile. You may try exploring VISA or MasterCard’s social media platforms to check whether they share any info on offline cards, but don’t get your hopes up, since this is an outdated solution, and VISA and MasterCard are future-oriented companies that focus on innovative and modern functionalities and services and post about these only.
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