Bank transfer at X3000

By Henrik Åström, casino analyst — updated August 2026

Bank transfer is the slowest method on the payments hub and the one I still recommend to a particular kind of player: someone moving a large sum, or someone whose bank is not covered by Trustly. A SEPA or bankgiro payment carries no card scheme, no wallet and no conversion layer — just an ordinary transfer between two accounts, with the ordinary clearing schedule that implies. At X3000 it is also the only rail where the deposit is not instant, and knowing why saves a support ticket.

How to deposit with bank transfer

Open the cashier at X3000 and select bank transfer from the deposit methods.
Enter an amount of 300 kr or more — the floor here is higher than the 200 kr that applies to cards and wallets, because the handling cost is the same whatever the sum.
Copy the payment details the cashier displays: the account or bankgiro number and, crucially, the reference number generated for your transaction.
Make the transfer in your own bank app, pasting the reference into the message field exactly as given.
Wait 0–1 banking day. A transfer sent on Friday afternoon typically credits on Monday.

How to withdraw to your bank account

In the withdrawal tab, choose bank transfer and enter at least 300 kr. After approval the payment takes 1–3 banking days to appear, which is the same window as a card payout and for the same reason: the money is travelling through the interbank system, not through the casino. Cut-off times matter more than the hour you press confirm — a request approved after the bank daily cut-off joins the next batch. The destination must be an account in your own name, matching the name on the gaming profile, and the closed-loop rule sends deposited funds back to the account they came from. If speed is the priority, Trustly reaches the same bank account in 0–2 hours.

Parameter	Bank transfer at X3000
Minimum deposit	300 kr
Deposit time	0–1 banking day
Minimum withdrawal	300 kr
Withdrawal time	1–3 banking days
Fee	None from the platform; your own bank may charge
Verification	ID, proof of address and an account in your name

Limits and fees

X3000 takes no commission on either leg. Your bank might: a domestic SEK transfer within Sweden is normally free, while a cross-border SEPA payment can carry a modest charge depending on the institution. The payout ceilings are the platform-wide ones — 50 000 kr per transaction and 200 000 kr per rolling month, with higher VIP levels raising the monthly figure. Because bank transfer suits larger amounts, this is the method where those caps actually bite: a 120 000 kr balance means three separate requests rather than one, spread across banking days. The upside is the absence of a conversion spread when the account, the bank and the balance are all in kronor.

Fund your X3000 account by bank transfer

When something goes wrong

The reference number was left out. This is the number one cause of a missing deposit, and it is genuinely hard to fix quickly. Without the reference the incoming payment cannot be matched to your account automatically, so it waits for a manual reconciliation that adds a day or more. Send your receipt and the transfer details to live chat, which replies in roughly 2–5 minutes, and do not repeat the transfer in the meantime.

The account holder name does not match. A transfer from a joint account in a partner name, or from a company account, reads as a third-party payment. It will be held at verification even if it credits initially, and returning it takes far longer than sending it.

The banking-day maths surprised you. Weekends and Swedish public holidays are not banking days. A withdrawal approved on the Thursday before a long weekend can legitimately land the following Wednesday without anything having gone wrong at all.

Why is the minimum 300 kr instead of 200 kr?

Because the cost of processing a bank transfer does not shrink with the amount. Cards and wallets clear automatically, so a 200 kr top-up is economical there; a manually reconciled transfer is not. Cards, Trustly and Skrill all start at 200 kr if you want the lower entry point.

What happens if I forget the reference number?

The payment does not vanish, but it stops being automatic. It sits unmatched until someone reconciles it by hand, which typically costs an extra banking day. Contact support with the receipt and the exact amount and timestamp, and avoid sending a second transfer while the first is unresolved.

How long does a bank withdrawal take at X3000?

One to three banking days after approval. Weekends and public holidays do not count, and a request that misses your bank daily cut-off joins the next batch. If you need the money the same day, Trustly pays out in 0–2 hours to the same account.

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