Pin Up Bank Transfer Deposit (Wire, IBAN, SWIFT)
I do not recommend bank transfer for most users. The method exists for specific cases: large deposits ($5,000+) that exceed card and e-wallet maximums, and users in countries where UPI/Pix are not available and crypto is not an option. Beyond those cases, every other method on Pin Up is faster, cheaper, and has fewer failure modes. Bank transfer is the slowest and most expensive method per dollar moved on Pin Up. Here is how it works and why you should probably skip it.
Bank Transfer Quick Facts
Minimum $100 (Not $10)
Pin Up's bank transfer minimum is $100, ten times higher than the $10 minimum on most other methods. This is because wire transfers carry fixed costs that make small deposits unprofitable for Pin Up's banking partners to process.
ETA — 1-5 Business Days
Wire transfers clear in 1-5 business days depending on the sending and receiving bank and the currency corridor. My tests averaged 3 business days for USD wires from European banks to Pin Up's EUR account. Domestic wires (within the EU) can clear same-day but are rare for Pin Up cross-border cases.
Fees — Your Bank Charges $15-40
Your sending bank charges $15-40 in wire fees that Pin Up does not refund. Pin Up's receiving bank may charge an additional $5-15 intermediary fee. Currency conversion applies if your sending currency does not match Pin Up's account currency — typically 1.5-2.5% FX spread on top of the wire fee.
When to Use Bank Transfer (Almost Never)
Use bank transfer only if: you need to deposit above $5,000 per transaction (exceeds card and e-wallet maximums), you are in a country without UPI/Pix support, and you do not hold crypto. That is a narrow intersection. For most players the answer is UPI, Pix, crypto, or cards — in that order.
The Bank Transfer Flow
Step 1 — Cashier Select + Get PinUp Bank Details
Open the Pin Up cashier, select Bank Transfer. Pin Up displays the target bank details: beneficiary name, IBAN (international account number), SWIFT/BIC code, beneficiary bank name and address, and a unique reference number specific to your transaction. Copy all of these carefully — especially the reference number.
Step 2 — Go to Your Bank's Wire Transfer Form
Log into your own bank's online banking (or visit a branch). Navigate to International Wire Transfer or SWIFT Transfer. Start a new transfer.
Step 3 — Enter IBAN, SWIFT, Amount
Enter the Pin Up details exactly as displayed in the cashier. IBAN, SWIFT/BIC, beneficiary name, bank address. Enter the amount you want to deposit. Critical: paste the reference number into the reference/memo/description field of the wire form. Without this reference number, Pin Up cannot attribute the transfer to your account and you will need to file a support ticket to resolve (which takes 5-10 business days).
Step 4 — Wait 1-5 Business Days
Authorize the transfer. Wait. Check your Pin Up account each day for the credit confirmation. If it has not cleared after 5 business days, contact Pin Up support with your wire transaction reference and the amount.
The Reference Number Trap
The #1 support ticket for Pin Up bank transfers is missing reference numbers. If you forget to include the reference number in your wire's memo field, the funds arrive at Pin Up's bank but cannot be attributed to your account. Pin Up has to manually reconcile the transfer by matching the sender name, amount, and date — which takes 5-10 business days and may require you to submit proof of the wire (bank statement, wire receipt). Always include the reference number. Always.
Fees You'll Actually Pay
On a $500 bank transfer to Pin Up:
- Sending bank wire fee: $25-35 (US banks), $15-25 (EU banks)
- Intermediary bank fee: $5-15
- FX spread if converting currency: 1.5-2.5% ($7.50-$12.50 on $500)
- Total real cost: $37.50-$62.50 on a $500 deposit
That is 7.5-12.5% of the deposited amount gone to fees before the money even hits your Pin Up balance. Compare to UPI at 0%, Pix at 0%, USDT TRC20 at 0.22% ($1.10 on $500). Bank transfer is the most expensive method per dollar moved on Pin Up by a wide margin.
When Your Bank Blocks the Transfer
Some retail banks block wires to gambling-related merchants at the compliance layer. Chase, Wells Fargo, HSBC UK are known to do this. If your sending bank blocks the wire, the funds are returned (sometimes with an additional "returned wire fee" of $15-20). Fix: use a different bank, or switch methods entirely. If you are in India or Brazil, just use UPI or Pix and skip this entire pathway.
Bank Transfer vs Everything Else
Use bank transfer only as the method of absolute last resort. Every other option on Pin Up is faster and cheaper. Cards are instant with a 2% FX spread. UPI and Pix are free and 12-38 seconds. Crypto is $1.10 and 45 seconds for USDT TRC20. E-wallets are expensive but still faster than wires. Bank transfer is a legacy method that exists for a narrow set of VIP use cases and nothing else.
For the faster alternatives, see UPI, Pix, crypto. For the fees deep dive showing why bank transfer is the most expensive method, see deposit fees.