Zimpler

Zimpler is a payment service from Sweden that lets you make deposits at a casino and receive withdrawals directly through your bank account. You do not need a card or a separate e-wallet: you approve the payment with your bank's authentication, and the money moves to and from your bank account. In essence Zimpler is similar to Trustly, although it is a separate company and product.

How Zimpler works

Zimpler relies on open banking, which is based on the European Payment Services Directive PSD2. In the casino cashier you choose Zimpler, then your bank, and approve the payment in the bank's environment, for example with Smart-ID. Zimpler initiates the payment from your account and lets the casino know the money is on its way. Some casinos also use Zimpler in a quick-registration model where the account is created based on bank identification, similar to the Pay N Play solution.

The company's own description of its services and supported countries is on the Zimpler website. Whether Zimpler is available in Estonia for a particular casino and bank depends on the casino's agreements, so check the casino cashier for the payment methods offered to you.

Zimpler and withdrawals

A Zimpler withdrawal travels back to the same bank account the deposit was made from. This meets the same-method rule and reduces the need to enter account details manually. The withdrawal time still consists of several stages:

• the casino's waiting period and processing time, which is often the longest part;
• a KYC or source-of-funds check where needed;
• the movement between banks, which can be fast if a SEPA instant payment is used.

The payment service itself cannot speed up the casino's decision. If the casino processes withdrawals only on working days, even the fastest payment method will not help at the weekend. You can assess withdrawal speed by making a small test and noting the times; instructions are in the article test withdrawal.

If a withdrawal is late, start with your casino account: is the request still pending, has it been approved, or have documents been requested from you? If the casino confirms that the money has been sent, ask for the transaction date and reference. Only then is it worth contacting the bank or the payment provider. This order saves time, because most delays arise on the casino's side, not in the payment service. If the problem drags on, keep a written record of all communication; it helps if you later need to file a complaint.

What to check

• Whether the casino allows withdrawals with Zimpler as well as deposits, or whether money must be withdrawn another way.
• Whether the casino's rules set separate limits or fees for Zimpler or other bank payments.
• Whether the casino holds a valid licence. You can see casinos licensed in Estonia on the Estonian-licensed casinos page.
• Whether the bank account is in your name. Using another person's account can lead to the withdrawal being rejected.

Frequently asked questions

Is Zimpler safe?

Zimpler operates as a payment service provider under European supervision, and you always approve the payment in your own bank's environment. Zimpler does not see your banking passwords. Even so, always check that you are on the right page and do not approve payments you did not initiate.

What is the difference between Zimpler and Trustly?

Both use a bank account and open banking. The differences lie mainly in the countries, banks and casinos they have agreements with. Read about Trustly withdrawals in the guide Trustly withdrawal.

A simple, fast payment also makes a new deposit easy. Set yourself limits and, if needed, see the responsible gambling page or 15410.ee.