Giropay Review & Best Giropay Casinos
Top Casinos That Accept Giropay Payments
Giropay has become popular enough that we felt it was time to thoroughly test casino sites that support this payment method. We reviewed over 30 Giropay online casinos and evaluated them based on legitimacy, licensing, game quality, and more. The list below includes only legal sites that met our standards. You can’t go wrong with any of them—just choose the one that suits you best and enjoy the experience.
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Company Background
Giropay is a true German success story. It began as a joint effort by Postbank (the retail division of Deutsche Bank), the German Savings Banks Group, and the German Cooperative Financial Services Network. From the start, this collaboration gave Giropay an edge over most other fintech brands. While bank consortiums are more common now, that wasn’t always the case. At the time, few traditional banks were eager to move online, and many people were still skeptical about using the internet for financial transactions.
However, the existence of various online casinos and early eCommerce stores made online transfers a necessity for some. The problem mainly revolved around revealing one’s information, as existing security solutions were unable to prevent credit card fraud, hacks, and other kinds of cybercrime. Giropay quickly stepped in to tackle these issues and their approach became an instant hit amongst Germany’s online dwelling population. In 2014, the company merged with Austria’s leading online payment system eps-Überweisung. This made the Giropay service available in both countries, opening up a potential market of 45 million users.
Another major breakthrough for the company came with the launch of its PSD2 interface (X2A). This update made it possible for Giropay to be used by customers of banks outside its original network. The result was broad coverage across Germany, with more financial institutions joining over time. Today, around 1,500 Austrian and German banks have signed on with Giropay. It’s a welcome development—when it comes to casino banking, availability often makes the biggest difference.
Giropay Updates
- November 2022: Giropay and Sparkasse Launch a Digital Girocard for Online Shopping.
- December 2021: Deutsche Bank and Commerzbank integrate Giropay allowing their clients to use it for online shopping.
- July 2021: The company enables customers to use Giropay and Paydirekt simultaneously to pay their fuel bills via the eCharge+ app.
- May 2021: Giropay and Paydirect merge under a new Giropay brand. Paydirect merchants can use both payment methods at the checkout.
Target Markets
As of 2025, Giropay is available only in Germany and Austria. Austria wasn’t part of the original rollout, but its inclusion makes sense given the close ties between the two countries and their banking systems. So, what’s our take on this limited reach? Ideally, payment providers should aim to expand access across borders. Good technology shouldn’t stay confined—it grows through wider use and broader adoption.
In Giropay’s case, we don’t believe they should be admonished for not making their platform available across the world. This is, obviously, a consortium of German banks, with cross-border cooperation with Austrian ones. Nowhere have seen Giropay or any of its bank members claim that this payment method is an international one. Obviously, local payment options are still a thing, and Giropay has a plethora of them for German and Austrian citizens. The brand is a major part of online life in these two countries, and its benefits shouldn’t be ignored.
If you live in this part of Europe, or if you find yourself in these parts, we would recommend Giropay, and not just for playing at the best online casinos. Cumulative value matters, too. Everyone likes making their payments in a simple and straightforward manner, regardless of whether it’s table games or shopping for groceries. Giropay accomplishes this pretty stellarly if you ask us.
How to Set Up a Giropay Account: Step by Step Guide
No account required
Integration is a word that’s seldom used in modern fintech, even though it should be a large part of the way we view and judge payment platforms. One of the main obstacles on the road to complete integration is the need to create an additional account.
While having a username and a password is a must for everything you do online, the increasing amount of information we have to memorize is more often a hindrance than not. Fortunately, Giropay has managed to accomplish this integration without the need for creating a new account.
You do need bank account number and PIN
To start using this payment method, you only need your account number and PIN, along with a valid phone number to which a transaction authentication number (TAN) can be sent. We personally love this, as Giropay didn’t just eliminate a notable nuisance that plagues casino players, but they also added an additional security measure.
Make hassle-free payments with Giropay
Payment providers rarely manage to score points on the simplicity scale, but Giropay did it in addition to making sure they’re not sacrificing anything during the process. Great job, really. This company obviously cares about usability and we commend it.
Available Currencies
EUR
Casino Deposits and Withdrawals
One of the biggest reasons Giropay remains popular is its simplicity. From the start, it attracted users with little or no experience in online banking. That ease of use still holds up today, making Giropay a solid option for those who aren’t especially tech-savvy.
This focus on simplicity is most obvious when making a deposit at an online casino. The process is fast and user-friendly. Here’s how it works:
Go to the cashier section of your chosen Giropay casino and select Giropay as your deposit method.
Enter the amount you’d like to deposit and click the confirmation button (e.g., Deposit or Proceed).
You’ll be redirected to Giropay’s secure transfer page.
Select your bank, log in with your online banking credentials, and click “Continue to pay.”
Wait for the TAN (transaction authentication number) to arrive on your phone.
Enter the TAN, confirm the payment, and you’ll be sent back to the casino with your balance updated instantly.
What stands out most here is the lack of account registration. You don’t need to sign up for anything new—just use your regular online banking login. Combined with two-factor authentication, it’s a rare mix of convenience and security.
Now for the downside: Giropay doesn’t support withdrawals. This isn’t due to any policy decision—it’s simply not built like an eWallet. There’s no Giropay account to hold funds, so you can’t send money back the same way. Think of Giropay as a secure bridge to protect your banking details—not a full-service payment tool.
This limitation might be a dealbreaker for some. If you want a payment method that works both ways, consider using an eWallet or stick with a standard bank transfer for withdrawals. But if you’re fine with using another option to cash out, Giropay is still a safe, efficient way to deposit.
Detailed Overview of Transaction Fees
What’s the point of charging fees when there’s no withdrawal option? Giropay’s decision to impose fees is frustrating, especially since they use a flat fee combined with a percentage that actually decreases as the deposit amount grows. That’s a regressive fee structure—something that doesn’t make much sense.
This approach might work if Giropay focused only on high-rollers, but that’s not the case. Charging customers more when they deposit less feels unfair. On top of that, among all bank-approved fast transfer methods, Giropay stands out as the only one charging users directly. Most others simply take a cut from merchants, which has become the norm.
Timeframes for Giropay Payments at Online Casinos
All Giropay transfers are processed immediately, in real-time. What this is means is that casinos with Giropay get a confirmation for the transaction right away and you can see a change in your balance almost instantly. We love payment methods that provide this feature, as it can be pretty annoying to wait for your bank transfer to clear.
You should also note that some online casinos accepting Giropay deposits have a special identity verification process in place. This is enforced by requesting players to provide a document scan/photo upon making their first deposit. Some sites clear new depositors fairly quickly, but you should realistically hope for a 24-36-hour delay. This rarely happens when depositing and is more common when you are requesting your first withdrawal.
Deposit and Withdrawal Limits
As far as we were able to determine, Giropay casinos don’t impose irrational transfer limits on their customers. Like we’ve already mentioned, the very nature of Giropay isn’t suitable for high-rollers, so most sites that offer this payment method usually have a minimum deposit requirement of €10, with a few odd exceptions doubling this threshold to €15-€20.
The maximum limit varies much more, as there are no concrete standards when it comes to the more lucrative part of the transfer spectrum. Our research led us to conclude that you can hope for a number in the €5,000 range. However, this limit can be even higher at the best Giropay casinos that have loyalty programs with multiple levels. All in all, nothing unusual.
Best Giropay Casino Bonus
Regionally focused platforms like Giropay tend to be very popular within their specific user base. Because of this, many online casinos are eager to offer attractive promotions featuring Giropay as a payment option. Numerous German and Austrian sites include Giropay among their regular bonus choices. Knowing this, we took the time to test bonuses at top Giropay casinos.
The list below includes only fair promotions—offers that are rewarding without unreasonable wagering requirements. Each one is solid, so it’s up to you to pick the one that fits your style.
200% up to €500
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Security
Honestly, there aren’t many companies, not just fintech companies, but actual companies, that invest this much effort into keeping their customers’ data safe and sound. First of all, we love the fact that Giropay doesn’t send any email invoices or confirmations. They don’t just restrain from the entire practice, but they’re more than vociferous in voicing their concern about this. Fraudulent emails, sent by criminals pretending to be banks or bank employees, are one of the main dangers of online banking, so kudos to Giropay for tackling this.
In addition to this, Giropay also uses 256-bit SSL encryption and all pages related to the brand begin with ‘https.’ Even though many security experts view this as a standard, many payment providers fortify only their transaction pages. Giropay goes above and beyond the norm, that is for sure. We also have the beautiful combination of PIN and TAN, which makes it impossible for anyone to make transactions, even if they somehow get their hands on your credentials. Now that’s what we call dedication to security.
Customer Support
Mon-Fri: 08:00-20:00
Weekend: 08:00-20:00
No
Right off the bat, we were disappointed to see that Giropay doesn’t offer its users the ability to contact them via live chat. Even the most obscure eCommerce sites have ZenDesk at their disposal. A company as advanced and digitally conscious as Giropay should have paid attention to this, but it’s not the end of the world.
One great thing is the 12-hour availability (even during weekends), which isn’t something most payment platforms have. Usually, you can only reach agents before 4-5pm, so Giropay is a fine option if you like playing online casino games after work. The agents themselves are very polite and fluent in both German and English. They had no problem answering even our most annoying questions, both via phone and via email.
And frankly, in most cases, you won’t even need to contact customer support! Giropay’s FAQ section is very impressive and excellently balances brevity and informativeness. Chances are, most problems you might face have their solutions explained there.
Player Experiences
Since Giropay is available only in two countries, which are coincidentally German-speaking, most reviews and recollections we found were in German.
The general consensus is that Giropay is a great payment provider, with the biggest amount of praise coming from casino players that were defrauded using another platform in the past. Everyone lauds the use of PIN and TAN, as the combination of these two authentication methods isn’t just simple, but also incredibly effective and virtually impenetrable.
While most reviews are positive, we did see a couple of one-star ones. Most of them can be considered overreactions, as players have the habit of blaming Giropay for things they can’t influence, such as measures implemented by some casinos.
Overall, we didn’t find any blemishes on Giropay’s record. The company hasn’t been involved in any shady dealings, so you can rest assured that your money and bank credentials are in safe hands.
Extra Features
Giropay doesn’t really have a lot of extra features, as they’re mostly devoted to their niche. However, there are features that supplement the basic functionalities of this payment provider, the most significant of which is Giropay ID.
Basically, this system is used to confirm that you are 18 or older. This is incredibly useful for casino players, as identity verification can take a while and prevents you from playing right away. With Giropay ID, you can use your bank information, confirmed by PIN/TAN, to verify your age in a matter of seconds.
It’s worth mentioning that this feature doesn’t require any extra steps, other than visiting the Giropay ID page upon visiting a site that requires identity confirmation for you to use its features. Currently, the situation is a bit unstable, mainly because most banks haven’t adopted the Giropay ID system. Nevertheless, it’s still available and incredibly useful when needed.
Mobile Capability
When it comes to mobile use, Giropay fits seamlessly into the lives of those who spend time online. Even on mobile casinos, the transaction page is thoughtfully scaled to highlight the key details.
Too often, payment providers release poorly designed mobile versions, so Giropay’s smooth performance stands out. It runs smoothly even on older devices thanks to its lightweight and straightforward user interface.
Interesting Facts
Giropay is a member of the German E‑Commerce and Distance Selling Trade Association, one of the country’s most notable organizations devoted to curating and developing the online trading market.
In addition to this, Giropay actively collaborates with the research department at the University of Regensburg.
You can also use Giropay at many big German sites, such as Lufthansa, Deutsche Post, and Event.
Some banks don’t require a TAN if the deposit amount is less than €30.
FAQ
Is Giropay safe to use?
Yes, Giropay uses a plethora of different approaches and security features to ensure that all transactions are safe from any third-party, whether it’s the government or a cybercriminal.
What do I need to make Giropay deposits at online casinos?
To use Giropay at casino sites, you need a valid bank account at any member bank. You can see the full list on Giropay’s official website.
Do I need to give personal information to Giropay?
No. You don’t need anything other than your bank account number, name, and PIN to use Giropay for playing casino games.
Can I withdraw using Giropay?
Unfortunately, Giropay cannot be used for withdrawals. It’s merely a platform that integrates a number of different banks and facilitates safe transfers.
Does Giropay allow you to request a return if you don’t receive an item or a service?
Technically no, but they do state that you contact customer support if you run into an issue with a merchant.
Where is Giropay available?
Currently, you can only use Giropay in Austria and Germany, and only if you have an account with one of the member banks.
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Relja Bojovic 
Senior Content Writer
Relja started off as a content writer in 2016, working his way through various niches and assignments to where he is today. Along the way, he realized that he has a particular affinity towards iGaming and fintech. An avid crypto and slots enthusiast, most of his duties involve analyzing the latest and most intriguing payment methods. LiveCasinos.com, Bettingmetrics.com and Betting.com are just some of the sites with his prints all over them.
Fact-checked by Bart Crebolder 
July 2025Lead Content Manager
Lead Content Manager
Having dedicated nearly a decade of his career to the iGaming industry, Bart Crebolder stands as a valuable member of the CasinoBankingMethods.com team. His journey in the industry has been marked by his pursuit of the latest trends, making him a relevant source for information about online casinos and payment methods. He is an invaluable asset to the team because of his passion for the iGaming world, contributing with his standing as a trusted authority in the online casino industry. Bart's content consists of comprehensive analyses, reflecting his deep understanding of the casino industry and he is setting standards for informed, reliable, and engaging content in online gaming.