How does Trustly work in a casino without Oasis? Technology, limits & security explained

Trustly allows direct real-time transfers from one's own bank account in casinos without an OASIS connection. Identity verification runs via banking data, eliminating the need for a separate registration. Since these platforms usually operate under international licenses such as Curacao, German restrictions do not apply. The 1,000-euro limit and the 5-second pause are eliminated. On the other hand, the protection of the GGL is missing, and players operate in a legal gray area.

The basic principle: Trustly as a bridge between bank and casino

Trustly is the direct interface between your online banking and the casino platform. It enables a secure real-time transfer without separate registration. Bank data is used for bank identification via the API interface. This is how the Pay N Play principle takes effect. Confirmation is done securely via two-factor authentication (2FA). This process significantly speeds up gameplay in casinos without an Oasis connection.

The payment process: From the bank to the casino account

The technical processing differs fundamentally from classic e-wallets. Trustly is not a wallet for parked funds. It is a pure payment service provider that directly accesses your online banking's PIN/TAN procedure. If you select Trustly in the casino, the API interface redirects you to your house bank. This is where bank identification takes place. The system automatically recognizes your identity from your login data. It verifies age and place of residence, provided the bank has stored this data.

This step replaces the manual KYC (Know Your Customer) check. With traditional providers, this often takes days. Instead of filling out forms, you confirm the transaction and data release using two-factor authentication (2FA) via your banking app or a TAN generator. This double protection ensures that only the account holder authorizes the payment. The casino does not gain access to sensitive login credentials like PINs. It only receives an encrypted confirmation of the successful transfer and the necessary verified master data. International platforms frequently use this method. It eliminates the hurdle of account creation while maintaining the security of German banking standards.

Pay N Play principle without German licensing requirements

The core of this technology is the Pay N Play concept. Trustly was instrumental in pioneering it. In a casino without an Oasis connection, there is no query of the central German player ban system. Instead, the casino creates a full player account in the background. The basis for this is the data transmitted through bank identification. For the user, it feels like playing without registration. Technically speaking, however, their account is already fully verified.

This automation saves time. Withdrawals are processed much faster because the provider has already verified the player's identity through the initial real-time transfer. German license holders must meet strict requirements due to the Interstate Treaty on Gambling 2021. International providers exploit this loophole for a smoother experience. Trustly acts as an enabler here. The payment method enables the immediate linking of identity and balance. In regulated markets like Germany with mandatory OASIS, this would not be possible in this way.

Speed and availability of the real-time transfer

Trustly convinces with its transaction speed. Since it is a real-time transfer, the deposited balance is available in the casino account within seconds. Conventional SEPA transfers can take several business days. Trustly uses modern banking protocols to release funds instantly. Players can start without delay.

The user also benefits from this efficiency when making withdrawals. The account is already verified through the first deposit and the associated two-factor authentication (2FA). Long waiting times for manual checks are eliminated. Many providers prioritize processing withdrawals to Trustly. Winnings often land on the bank account on the same day or by the next business day at the latest. This speed makes Trustly the preferred choice for players who value liquid funds and short processing paths. Security is guaranteed at all times through integration into the online banking system.

Regulatory context: Why there is no Oasis connection

The question, how does trustly work in a casino without oasis, can only be answered via licensing. Providers without a connection to the German ban system mostly operate under foreign licenses such as the Curacao license or the Malta Gaming Authority (MGA). As a result, they bypass the regulations of the Interstate Treaty on Gambling 2021. Higher deposit limits and faster game rounds are possible. However, the protection of the GGL is eliminated.

Differences between GGL-licensed and international providers

The key difference lies in the responsible supervisory authority. The GGL (Gemeinsame Glücksspielbehörde der Länder) is the national regulatory authority. Since the Interstate Treaty on Gambling 2021 came into force, it has been monitoring the German market. Providers with this license must be connected to OASIS and LUGAS. This guarantees a seamless identity check and player ban. In contrast, casinos without Oasis often operate under a Curacao license or the Malta Gaming Authority (MGA). These international jurisdictions are not subject to German law. While the GGL enforces strict consumer protection measures, licenses from Curacao or the MGA allow for more flexible business models. Players should note that enforcing claims against these international providers can be more difficult than with the GGL. Although the Malta Gaming Authority (MGA) is considered a reputable EU authority, it also lacks a direct link to the German OASIS system as it is an extraterritorial license.

Consequences of dispensing with OASIS and LUGAS

If a casino decides against connecting to OASIS, the automatic check against the central ban database is omitted for the player. OASIS serves as a cross-game system that identifies banned players nationwide. Without this connection, users can play even if they have had themselves banned in Germany. The connection to LUGAS, which is intended to prevent parallel play at multiple providers, is also missing. In concrete terms, this means more freedom, but also a higher risk of impulsive gambling behavior. The technical brakes of the German regulatory authority are missing. The GGL (Gemeinsame Glücksspielbehörde der Länder) does provide information on these protective measures but has no authority over providers without a German license. This creates a gray area for players. They use platforms that are not under the control of the GGL (Gemeinsame Glücksspielbehörde der Länder) and therefore do not trigger automatic bans via OASIS.

Bet limits and game speed in comparison

The most restrictive requirements of the Interstate Treaty on Gambling 2021 concern the game mechanics themselves. A strict 5-second rule applies to slots. It forces a minimum pause between two spins. In addition, the contract caps the monthly 1,000 € deposit limit across providers. In casinos without Oasis, these restrictions do not apply. Here, significantly higher stakes per spin are often possible. The 5-second rule is not technically enforced. The 1,000 € deposit limit does not exist in this form. Instead, operators set their own, often higher limits. These are particularly attractive for high rollers. The Interstate Treaty on Gambling 2021 does provide for exceptions where the limit can be increased to up to 30,000 euros. However, this requires a complex application to the GGL with proof of income. International providers, on the other hand, offer these high limits directly and without bureaucratic hurdles. This makes them interesting for frequent players who want to bypass the rigid 1,000 € deposit limit of the German license.

Bonus offers and wagering requirements in casinos without Oasis

A key aspect that makes casinos without an OASIS connection attractive to many players is the design of the bonus offers. In the highly regulated German market under the GGL license, bonus offers are severely restricted. Often, no free spins or deposit bonuses may be offered to ensure addiction prevention. International providers that accept Trustly are not subject to these strict advertising restrictions. They can therefore put together more extensive welcome packages.

However, caution is advised. The wagering requirements in casinos without Oasis can vary. While German providers often do not offer any bonuses at all due to legal requirements, international platforms rely on classic models with multiple wagering requirements. Players should always check the T&Cs. The combination of high bonuses and complex wagering requirements can increase the risk. Trustly payments are often excluded from bonus promotions or contribute only marginally to the wagering requirements. This must be taken into account when planning the gaming strategy. The flexibility in bonus offers is a direct result of the lack of GGL supervision. At the same time, however, it offers less standardized consumer protection.

Limits, fees and withdrawal duration with Trustly

How trustly works in a casino without oasis is based on the direct linking of the bank account and player balance. Transactions are often processed as SEPA instant payments. While deposits happen in seconds, the withdrawal duration and costs depend heavily on the casino's internal processing and the house bank's fee structure. Despite the technical speed, the regulatory classification remains complex. The Payment Services Supervision Act (ZAG) and supervision by BaFin apply primarily to the German market, but not to unlicensed providers.

Transaction costs and hidden fees

For the player, using Trustly generally does not incur direct transaction fees. These costs are usually covered by the casino provider. This makes the payment method attractive compared to credit cards or certain e-wallets. These often incur percentage deductions. However, this freedom from costs is not absolutely guaranteed. It can happen that one's own house bank charges fees for online banking activities or international transfers. This depends individually on the respective account model.

From a compliance perspective, an important distinction must be made here. While German providers are strictly subject to the Payment Services Supervision Act (ZAG) and must present transparent price lists, casinos without an Oasis license often operate under foreign legal frameworks. BaFin (Federal Financial Supervisory Authority) does not have direct jurisdiction over these offshore operators. However, the ZAG serves as a reference framework for secure payment processing in Europe. Players should therefore check their own bank conditions to avoid unexpected charges. In our tests, most reputable platforms credit the full transaction amount without making hidden deductions.

Duration of withdrawals to the bank account

A decisive advantage of Trustly lies in the speed of money movement. Deposits are booked instantly. This enables an immediate game start. However, the duration varies more for withdrawals. Technically, Trustly supports SEPA instant payments. It allows a real-time transfer within seconds. In practice, however, the actual withdrawal duration depends on how quickly the casino releases the withdrawal order internally.

Typically, processing times range between a few hours and a maximum of two business days. Compared to classic bank transfers, which can take several days, Trustly thus offers a clear time advantage. Our analysis of withdrawal workflows shows that in optimized cases, winnings can reach the private bank account on the same day. This efficiency is particularly relevant for players who value liquidity. Nevertheless, the "instant" guarantee refers to the technical transfer, not to the manual check by the casino support. This can take longer for larger amounts.

Verification processes (KYC) despite fast payment

It is often assumed that using bank data via Trustly replaces a complete identity check. This is a misconception. Although verification via the bank account minimizes the risk of data theft, as no sensitive card details need to be stored, the concept of KYC (Know Your Customer) remains in place even in casinos without an Oasis connection.

KYC (Know Your Customer) refers to the process of identity verification. It is legally required to combat money laundering. Even if Trustly already provides bank details, many operators request additional documents such as an ID card or proof of address. This occurs before the first large withdrawal is approved. This step is independent of the payment method and serves security purposes. The relationship between KYC (Know Your Customer) and the withdrawal is direct. Without completed verification, the casino cannot legally pay out winnings. Players should therefore initiate this process early on to avoid delays in withdrawals. The system's security is further increased by this double check - bank-side and casino-side.

Security, risks and legal classification for Germany

Using a casino without Oasis with Trustly is a legal gray area. These platforms mostly operate under international licenses such as Curacao and are not subject to the German Interstate Treaty on Gambling. While Trustly Group AB, as a Swedish payment service provider, offers high security standards, players lack the protection of the OASIS ban system. This brings opportunities for higher limits as well as increased risks when enforcing claims.

Is playing in casinos without Oasis legal?

For German players, the question of legality arises primarily from the perspective of provider law, not player demand. A casino without Oasis is by definition not connected to the GGL's central ban system. It often operates with licenses from Curacao or Anjouan. This international licensing means that the operator is not subject to the strict requirements of the GlüStV 2021. These include the 1,000-euro monthly limit or the obligation for real-time verification.

Legally, this is less risky for the player themselves, who is generally not committing an offense. The risk lies more in civil law. As the consumer advice center and other consumer advocates warn, enforcing winning claims with providers without a German license can be significantly more difficult. If there is no legal seat within the EU, legal steps are often costly and not very promising. In addition, these platforms bypass the player ban via OASIS. While this allows access, it also deactivates the important protective mechanism for people at risk of addiction. Players should be aware that they are moving outside the German legal framework when they become active on such portals. The consumer advice center also emphasizes that in the event of disputes, no arbitration boards of the GGL can be called upon. This increases the risk for the consumer.

Security standards of Trustly Group AB

The technical security of transactions depends significantly on the payment service provider. Trustly Group AB is an established financial service provider. It is registered with the Swedish Financial Supervisory Authority (Finansinspektionen). This regulation by the Swedish Financial Supervisory Authority (Finansinspektionen) obliges the company to comply with strict European standards. This includes the PSD2 directive for secure banking connections.

During every transfer, Trustly uses modern encryption protocols such as TLS 1.2 or 1.3. Sensitive bank details are not entered at the casino, but only at one's own financial institution. This significantly minimizes the risk of data theft. Nevertheless, operators of such platforms must comply with the Money Laundering Act (GwG). Even if there is no German license, international payment processors are subject to anti-money laundering guidelines. They require identity verification via the bank account. The Money Laundering Act (GwG) thus indirectly ensures that a certain traceability of cash flows is also provided in casinos without Oasis. Although an explicit KYC check does not take place before the first deposit, the combination of Swedish financial supervision and global compliance standards makes Trustly one of the safer options in the unregulated segment.

Player protection and alternatives to the OASIS ban

The most obvious disadvantage of a casino without Oasis is the lack of an automatic player ban. In the German system, registration in OASIS leads to a ban across all licensed providers. Instead, international platforms often offer their own voluntary tools for responsible gaming. These include individual deposit limits, loss limits, or self-exclusion functions directly in the customer account.

However, these measures are not centrally networked. A player can ban themselves with one provider but continue playing with another without any problems. This is where the BZgA (Federal Centre for Health Education) plays an important role. The BZgA offers independent advice and hotlines for people at risk of gambling addiction. This applies regardless of whether the casino used is licensed or not. Players who notice that they are losing control over their gambling behavior should utilize the BZgA's resources. The internal limits of offshore casinos are often monitored less strictly than the legal requirements in Germany. Do not rely solely on the provider's self-regulation; instead, set personal limits. In addition, experts recommend taking regular breaks and planning the gaming budget strictly. The lack of an OASIS ban does not represent a technical brake.

About this article - Editorial & Responsibility

— Author: Sarah Weber - Casino Tester & Bonus Analyst
— Technical check by: Dr. Markus Hoffmann - Senior iGaming Compliance Analyst
— Last Update: 2026-08-18.

This article on “how trustly works in a casino without oasis” was written by Sarah Weber and technically checked by Dr. Markus Hoffmann. Both regularly update the content regarding regulatory changes, license availability and bonus conditions. All statements regarding licenses, authorities and legal frameworks refer to publicly accessible sources (GGL (Gemeinsame Glücksspielbehörde der Länder), Interstate Treaty on Gambling 2021 (GlüStV 2021)).

About the Author

8+ years of casino reviews, 200+ personally tested platforms in EU and international. Former member of the eCOGRA Player Advocacy Program (2018-2022). Specialization: Wagering requirements, withdrawal workflows, customer support assessment.

About the Reviewer

12+ years in the iGaming industry, including 5 years as a compliance consultant for licensed operators under the Interstate Treaty on Gambling 2021. PhD in Business Mathematics. Research focus: Bonus mathematics, wager analysis, player protection systems (OASIS).

Responsible Gaming

Gambling can be addictive. If you feel you are losing control of your gambling behavior, please contact BzgA Spielsuchthilfe, Check-dein-Spiel.de or use the central ban system (OASIS (central player ban system)). Set personal deposit and loss limits before playing with real money. Pauses and cooldown functions of the providers are not a sign of weakness - they are a tool for sustainable fun in the game.

Legal Notice

The information in this article is for editorial and comparison purposes only. It does not constitute legal advice. The legal assessment of online gambling without a German license is a gray area and is subject to ongoing adjustments by the GGL (Gemeinsame Glücksspielbehörde der Länder). Players themselves are responsible for complying with local regulations.