How to deposit on Stake by bank transfer

Not straight into your balance. A Stake bank transfer deposit is really a purchase of crypto: you send money from your bank account to a third-party provider shown in the cashier, the provider converts it to crypto, and the coins are delivered to your Stake deposit address. Stake never receives the bank payment and does not hold a fiat balance for you.

Whether this route exists for you depends on your country, your currency and which providers the cashier offers at that moment. Some regions have local instant-payment rails, such as Faster Payments in the UK, SEPA Instant in the euro area or Pix in Brazil, and some providers support them. Others only offer cards, or nothing at all. The list changes, so we describe the pattern rather than promise a specific method.

This guide covers how the flow works, how long it takes, what it costs and the problems that come up most often. If bank transfer is not available to you, the Bitcoin, Litecoin and USDT guides cover buying coins elsewhere and sending them in. 18+ only.

The exact screens belong to the provider and differ from one to the next, but the sequence is consistent.

1. Open Wallet, then Deposit inside your logged-in Stake account.
2. Choose the buy crypto or bank transfer option if the cashier shows one. If you only see card options, bank transfer is not offered to you at the moment.
3. Select the coin to receive and enter an amount in your local currency. The provider shows the crypto you will get after fees.
4. Choose bank transfer or the local payment method it names, and create your account with the provider if you are asked to.
5. Complete identity verification if requested. Bank-based purchases often need a full check, because the provider is a regulated business.
6. Send the payment from your own bank account, using the reference the provider gives you. The reference is how it matches your money to your order.
7. Wait for the provider to receive the funds, convert them and send the coins to your Stake address.
8. Watch your balance. Stake credits the deposit after the confirmations shown in the cashier.

Pay from an account in your own name. Providers match the sender to the verified customer, and a payment from a third party's account may be rejected or returned.

Speed depends almost entirely on the bank rail, not on the blockchain.

• Instant rails. Where the provider supports an instant method, the money can reach it within minutes, and the crypto follows after a short delivery step.
• Standard transfers. Older rails can take several hours or one to a few business days, especially over a weekend or bank holiday. During that time nothing shows on Stake because nothing has been bought yet.
• First purchases. Identity verification can add time, sometimes minutes and sometimes longer if documents need a manual review.
• Network delivery. Once the coins are sent, the confirmations Stake requires add a few minutes on a fast network or longer on a slow one.

Because of this, a bank transfer is a poor choice if you want to play right now. Players who need quick access usually keep a small crypto balance on an exchange for exactly that reason. If your transfer is taking longer than the provider's stated time, contact the provider first with the order reference, and use our deposit not showing guide once the coins are confirmed on-chain.

Stake does not add a deposit fee, but the provider does. Typical cost layers are a service fee, an exchange spread built into the quoted rate and the network fee for sending the coins. Bank-based methods often cost less than cards, because card networks charge providers more and pass that on. Do not assume that, though: some providers charge a flat fee that bites on small amounts.

Look at the number of coins you will actually receive for the amount you are about to send. That is the single figure that shows the real price. Compare it against buying the same coin on an exchange and withdrawing it to Stake. If you hold an exchange account and are comfortable moving coins, that route is often the cheapest and lets you pick a low-fee network, as the Litecoin guide shows. The full cost picture, including the house edge on games, is on our Stake fees page.

Also remember currency conversion. If your bank account is in one currency and the provider prices in another, either side may add a margin.

• Payment sent from the wrong account. Use an account in your name, matching the verified details.
• Missing or wrong reference. Copy the reference exactly. Without it the provider may not be able to match your payment, and the money can sit unallocated until you contact support.
• Sending after the quote expires. Some providers lock a price for a short time. If you pay late, the order may be re-priced or refunded to your bank, which takes days.
• Bank blocks the payment. Some banks decline or query payments to crypto businesses. A call to the bank usually clears it; a refusal is the bank's call, not Stake's.
• Buying a coin Stake does not take. Only buy coins listed in your cashier, on the network the cashier names.
• Expecting a Stake balance instantly. Until the crypto is delivered and confirmed, your Stake balance does not change.