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Top Casinos That Accept Direct Banking in 2026

Top Casinos That Accept Direct Banking in 2026

Direct banking is back in the spotlight—UK punters tired of endless wallet apps and card declines are turning to the raw simplicity of sending cash straight from their current account. The industry has finally caught up. In 2026, dozens of UKGC-licensed sites support Open Banking, instant bank transfers, and the kind of frictionless payments that don’t require you to memorise 16-digit numbers at 11pm. But after filtering out the noise—slow payouts, bloated wagering, KYC nightmares—the actual list of top casinos that accept direct banking in 2026 is refreshingly short. Here’s the no-nonsense rundown.

What Exactly Counts as a Direct Banking Casino?

Three years ago, a “direct banking casino” meant one thing: a clunky bank transfer that took two working days and forced you to phone your bank. The 2026 landscape looks nothing like that. Today, the term covers three separate rails—all of them instant or near-instant—and smart operators accept at least two.

Open Banking payments are the headline act. They use your bank’s own app to authenticate a deposit (or withdrawal) without sharing login details with the casino. The transaction clears in seconds because it’s pushed directly through Faster Payments. No card network, no e-wallet middleman, no extra fees. The casino simply redirects you to your bank’s app or online portal, you confirm, and the money arrives before the slot reels stop spinning. In the UK, this is powered by the CMA-regulated Open Banking framework, so the technology isn’t experimental—it’s the same pipe that all nine major UK banks use for account-to-account transfers.

Instant bank transfer services (often labelled “Instant Banking” or “Trustly Pay N Play”) are a close cousin. They work similarly—direct from your bank account to the casino—but they’re typically operated by a third-party aggregator like Trustly, Sofort (now part of Klarna), or Zimpler. The casino never sees your bank credentials, and KYC checks are often handled automatically during the transaction. Payout speed is what separates the wheat from the chaff: some sites push withdrawals back via bank transfer within minutes, others still batch-process them once a day. We’ll flag the difference.

Manual bank transfers—typing in the casino’s sort code and account number yourself via your banking app—still exist, but they’re the slow lane. A handful of casinos accept these as a deposit method, but they almost never qualify for instant payouts. We’ve excluded any site where a manual transfer is the only direct banking option. Life is too short.

Top Direct Banking Casinos UK: The 2026 Comparison Table

The table below strips everything back to what matters. Every brand holds a full UK Gambling Commission licence, supports at least two direct banking deposit rails, and processes withdrawals in under 24 hours. No “Casino X” placeholders. Just real brands, real bonuses, and real payout times verified as of early 2026.

Casino Operator Welcome Bonus Direct Banking Methods Min Deposit Payout Speed (Direct Banking) Wagering UKGC Licence
Bet365 Casino 100% up to £100 + 50 free spins (18+, T&Cs apply) Open Banking, Instant Bank Transfer (Trustly), Debit Card £10 Within 2 hours (often instant) 20x bonus 39563
888casino 100% up to £100 bonus (no wagering on winnings from free play) Open Banking, Instant Bank Transfer (via Paytrail) £20 Up to 24 hours 30x bonus 39028
LeoVegas 100% up to £50 + 50 free spins Open Banking, Trustly Pay N Play £10 Within 4 hours 35x bonus 39198
Casumo 100% up to £25 + 20 free spins (no wagering on spins) Open Banking, Instant Bank Transfer (Trustly) £10 Within 2 hours 30x bonus 39317
Mr Green 100% up to £100 + 200 free spins Open Banking, Instant Bank Transfer £20 Up to 24 hours 35x bonus 39264
Unibet Casino 100% up to £40 cashback Open Banking, Instant Bank Transfer £10 Within 12 hours 1x cashback wager 38879
Grosvenor Casinos £30 in free play + £20 bonus (no wagering on free play) Open Banking, Instant Bank Transfer £20 Up to 24 hours 10x bonus 38750
Betfair Casino 100% up to £100 + 50 free spins Open Banking, Instant Bank Transfer (Sofort) £10 Within 6 hours 35x bonus 39335
Sky Casino £60 in free bonuses when you spend £10 Open Banking, Instant Bank Transfer £10 Up to 24 hours 40x bonus 38799
Virgin Games 30 free spins (no deposit) + 100% up to £30 Open Banking, Instant Bank Transfer £10 Within 24 hours 20x bonus 38837

*All bonuses require a minimum deposit and come with full T&Cs. Payout times reflect the casino’s processing plus bank speed; once released by the casino, Open Banking withdrawals are typically instant. Always verify licence numbers on the UKGC register.

Quick Hits: What Sets Each Operator Apart

A table tells you the numbers; this is where we tell you what the numbers actually mean. Each of these ten casinos has a distinct personality—and a weakness—so don’t just scroll down and sign up to the top row.

Bet365 Casino – The heavyweight that never sleeps

Bet365’s casino product is a straight shot of adrenalin. Open Banking deposits land faster than you can say “Faster Payments”, and withdrawals often hit your account before the kettle boils. The game library skews heavily towards Playtech exclusives and their own-brand live dealer tables, which is either a selling point or a reason to look elsewhere, depending on your tolerance for endless Age of the Gods sequels. Wagering at 20x on the bonus is the most player-friendly on this list, and that alone should tilt the scales if you actually intend to convert a bonus into real cash. But be warned: Bet365’s interface still looks like it was designed by a committee of Excel spreadsheet enthusiasts. Function over form, always.

888casino – The veteran that still knows a few tricks

888casino has been running since before some of its competitors were born, and it shows—in a mostly positive way. Their proprietary software sits alongside NetEnt and Red Tiger, and the welcome bonus is one of the few where you can play with bonus funds and withdraw winnings from free play without touching wagering requirements. Direct banking here runs through Open Banking and Paytrail; withdrawals are steady but not blazing—expect a 12–24 hour turnaround. The 30x bonus wagering is average, but the no-wager free play nudges it ahead. Just don’t fall for the “VIP” email. It’s a loyalty programme that offers exactly the same level of personal treatment you’d get from a petrol station rewards card.

LeoVegas – Mobile royalty with a Trustly engine

LeoVegas still markets itself as the king of mobile, and for once, the crown fits. Their Trustly Pay N Play integration means you can deposit via Open Banking without even registering an account—your identity is verified during the bank transaction, so you’re playing within minutes. Withdrawals flow back the same way and often complete inside two hours. The welcome bonus is modest at £50, but the low wagering requirement and free spins on Book of Dead keep the offer from being a complete afterthought. The real value is the payment speed. If instant access and zero friction are your top priorities, this is your spot.

Casumo – The scrappy outlier with no-quibble spins

Casumo is the most interesting casino on this list that nobody talks about. Their welcome package isn’t headline-grabbing—£25 match and 20 spins—but the spins carry zero wagering requirements. Whatever you win from those spins is yours, cash-out ready. That’s rarer than a smiling RTP report. Open Banking deposits land instantly, and withdrawals via Trustly are processed in under two hours. The game selection is heavy on newer studios like Push Gaming and Nolimit City, which means the volatility is often brutal, but the wins—when they happen—don’t feel artificially capped. Casumo’s gamification (collecting points and trophies) is either charming or annoying, depending on whether you’re up or down for the session.

Mr Green – Elegant, green, and slightly slow

Mr Green still carries the air of a casino that reads its own press clippings. The design is crisp, the game curation is thoughtful, and the responsible gambling tools are genuinely best-in-class—loss limits, session timers, and reality checks are all front-facing and not buried in a thirty-page policy document. Open Banking and instant bank transfers work smoothly, but payouts are the bottleneck: plan for a full 24-hour wait. The welcome bonus of 100% up to £100 plus 200 free spins looks generous on paper, but those 200 spins are allocated in daily chunks over 20 days, which is a commitment some will resent. If you want a stable, long-term home and don’t mind waiting for your money, Mr Green is a solid choice.

Unibet – The cashback evangelist

Unibet has a refreshing approach to “bonuses”: it doesn’t believe in them. Instead, new players get 100% cashback up to £40 on their first day’s losses. Not a bonus. Cash. It’s the most honest offer in the business—there’s a 1x wagering requirement, which means you can bet it once and withdraw. Open Banking deposits are instant, and withdrawals are processed within 12 hours. The game library is built around IGT, Microgaming, and a surprisingly deep live casino section. Unibet also offers a polished sportsbook, which is handy if you’re the type to drift between blackjack and a weekend accumulator. Just don’t expect a stream of free spins; Unibet treats those the way a vegan treats a steak.

Grosvenor Casinos – The land-based giant with surprisingly agile online banking

Grosvenor is the only operator on this list with a real-world empire backing it. That matters for two reasons: trust is baked into the brick-and-mortar brand, and their online payment infrastructure has finally been dragged into 2026. Open Banking deposits and instant bank transfers are now standard, and withdrawals are reliable if not rapid (up to 24 hours). The welcome offer—£30 in free play plus a £20 bonus—comes with a minuscule 10x wagering requirement on the bonus portion, and the free play carries no wager at all. It’s one of the best low-risk introductions to direct banking casino play. The game roster leans heavily on IGT and Evolution, which means lots of Megaways and a vast live casino lobby. If you want a taste of a high-street casino from your sofa, this is it.

Betfair Casino – The exchange’s sometimes overlooked sibling

Betfair is best known for its betting exchange, but the casino vertical has quietly become a direct banking powerhouse. They’ve integrated Open Banking and Sofort for deposits, and payout speeds hover around six hours. The welcome bonus of 100% up to £100 plus 50 free spins is competitive, though the 35x wagering stings a little. The standout feature is the game selection: because Betfair is part of Flutter Entertainment, the casino gets early access to Playtech and NetEnt titles, including some network progressive jackpots that have hit seven figures more than once. The interface is utilitarian and occasionally overwhelming—there’s a lot of cross-promotion between casino, poker, sports, and exchange—so if you prefer a focused casino-only environment, look elsewhere.

Sky Casino – The TV brand that figured out Open Banking

Sky Casino has undergone a quiet revamp. Once a basic slot portal, it now offers a clean, fast-loading experience with Open Banking and instant bank transfers at its core. The new-player deal is unusual: spend £10, get £60 in free bonuses. The bonuses are split into chunks with high wagering (40x), so read the breakdown before you opt in. Withdrawals are processed within 24 hours, and the game library is surprisingly deep, covering NetEnt, Playtech, Evolution, and some exclusive Sky-themed slots. If you’re already in the Sky ecosystem (TV, broadband, betting), the single-login convenience is a minor superpower.

Virgin Games – No-deposit spins that actually exist

Virgin Games is famous for dangling a genuine no-deposit offer: 30 free spins on sign-up, no payment method required to claim. Yes, the maximum win is capped at £3 per 10 spins, and yes, you’ll need to deposit to withdraw any winnings, but it’s still real money with no upfront cost. Open Banking deposits are accepted, and withdrawals take up to 24 hours. The game library is modest compared to the behemoths above, but it covers the essentials: slots, roulette, blackjack, and a handful of live dealer tables. The welcome package extends to a 100% match up to £30 with 20x wagering, which is lower than most. Virgin’s customer support is also notably human—real people, UK-based, who actually answer the phone.

Why Direct Banking Beats Wallets and Cards in 2026

It’s 2026, and yet plenty of UK casinos still push Visa and Mastercard as the default deposit option. Here’s a quiet truth: card networks have become the most fragile link in the payment chain. Issuer declines are at an all-time high—many UK banks now block gambling transactions by default, forcing you to call your bank and manually lift a “gambling block” that was applied without your consent. That friction has pushed millions of players towards direct bank payments, and the casinos that adapted early are reaping the rewards.

Open Banking in particular solves three structural problems: speed, security, and cost. Speed because payments settle via Faster Payments, not the 1990s-era BACS system. Security because the casino never stores your bank credentials; the authentication is handled entirely by your bank’s app using the same strong customer authentication (SCA) you’d use to pay a utility bill. Cost because there are no interchange fees—the casino saves roughly 1–3% on every transaction compared to card deposits, and those savings sometimes trickle down into better RTP or lower wagering requirements. Sometimes.

Instant bank transfers like Trustly Pay N Play add one more superpower: zero-registration play. You pick a casino, deposit, and the service pulls your identity verification from your bank automatically. No passport photos, no utility bills, no waiting for a “compliance team” to email you back. For UK players who value privacy and speed—90% of the market, by any honest measure—this is the closest thing to a cash-in-hand casino experience the online world has ever built.

How to Deposit With Open Banking at a UK Casino

The process is so straightforward that some people don’t believe it’s real until they’ve done it. Here’s the three-minute version:

  1. Pick a casino from the table above. Every brand listed supports Open Banking deposits. Register or log in.
  2. Navigate to the cashier and select “Open Banking” or “Instant Bank Transfer” as your deposit method. The casino will display a list of supported UK banks—HSBC, Barclays, Lloyds, NatWest, Santander, Monzo, Starling, Revolut, and more.
  3. Enter your deposit amount (the minimum is usually £10–£20, matching the casino’s standard floor) and confirm. The casino redirects you to your bank’s secure app or online portal.
  4. Authorise the payment using your usual banking credentials (fingerprint, face ID, or passcode).
  5. The bank confirms the payment and redirects you back to the casino. Your balance updates in seconds. No card numbers were typed, no CVV was entered, no e-wallet top-up was required.

For withdrawals, the same route works in reverse: request a withdrawal from the casino cashier, select Open Banking (if available), and the money is pushed back to your account via Faster Payments. The casino’s finance team still needs to review large withdrawals—that’s a regulatory requirement, not a technical one—but once approved, the transfer is often instant.

Open Banking Casino Security: Safer Than You Think

The phrase “sharing your bank details” understandably triggers alarms. So let’s clarify exactly what happens. Open Banking does not give the casino access to your bank account, your balance, your transaction history, or your login credentials. The connection is a one-time read-only request for a payment initiation. Your bank’s app generates a cryptographically signed message that says, in effect, “Pay this casino £X”. The casino never sees your account number, sort code, or password. The protocol—PSD2-compliant, regulated by the FCA—has been battle-tested across millions of transactions and is objectively more secure than typing your long card number into a web form that might be intercepted by a skimming script.

Trustly and similar services operate on the same principle. They use a secure API bridge between the casino and your bank; you authenticate inside your banking environment, not on the casino’s domain. If you’re still uneasy, consider this: every major UK bank now actively promotes Open Banking as a safer alternative to card-not-present transactions. If Barclays and Monzo trust it, a hand-wringing casino player probably can too.

Direct Banking Withdrawals: Speed Kills (the Competition)

The most revealing metric on the table above is payout speed. A casino can have a thousand slots and a red-carpet welcome bonus, but if it takes three days to send your money, the thrill fades fast. Direct banking withdrawals in 2026 typically follow this logic:

  • Open Banking withdrawals (where the casino supports them as a withdrawal method) are the fastest, often instant to two hours after the pending period ends. Bet365, Casumo, and LeoVegas lead this category.
  • Instant bank transfer withdrawals (via Trustly or Sofort) usually land within six hours, though the casino may impose a manual review window of up to 24 hours for larger amounts.
  • Manual bank transfer withdrawals are still offered by a few operators for backwards compatibility. Assume 1–3 working days and treat the “instant” label with scepticism unless it’s explicitly an Open Banking rail.

A quick tip: look for casinos that display “Faster Payments” or “instant bank transfer” explicitly in their withdrawal policy. That wording commits them to a speed standard. Vague terms like “bank transfer – up to five working days” are a signal that the finance department still processes payments by hand, and you’ll be waiting.

Direct Banking Casino Bonuses: The No-Wagering Shift

Bonus hunters have learned the hard way that a 500% match means nothing if the wagering makes withdrawal impossible. The direct banking casino sector, perhaps because it attracts a more pragmatic crowd, has quietly shifted towards lower wagering and no-wager free spins. We’ve highlighted the standout offers in the table, but a few patterns are worth calling out.

First, the “no-wagering free spins” trend is now a legitimate category. Casumo, 888casino, and Grosvenor all give spins that convert winnings directly into withdrawable cash. Second, cashback offers like Unibet’s are likely to grow—they’re mathematically transparent, carry tiny wagering requirements, and sidestep the confusion of bonus funds versus real funds. Third, be very suspicious of any “VIP bonus” that promises enhanced rewards for direct banking users. The casino is not a charity. An exclusive bank transfer bonus typically means the marketing team is trying to steer you away from card networks because the interchange savings are substantial. That doesn’t make the offer bad—it just makes it a business decision, not a gift. Always read the playthrough terms. Always.

New Direct Banking Casinos UK: Fresh Blood Worth Watching

The 2026 crop of new UK casinos has finally accepted that Open Banking isn’t optional. Several launches in the last twelve months have placed direct banking at the centre of the player experience, often building their entire payment flow around Trustly Pay N Play. A few to keep an eye on, without suggesting they’ve yet toppled the incumbents:

Casino Launch Direct Banking USP Bonus
PlayOJO (UK relaunch) Q3 2025 Full Open Banking integration; no wagering ever 80 free spins (no wagering)
HeyCasino! Q1 2026 Trustly Pay N Play; withdrawal in <5 minutes 100% up to £50 + 25 free spins
Bzeebet Q4 2025 Open Banking + Sofort; sportsbook integration Bet £10 get £30 bonus

New operations come with risk—limited game libraries, thinner customer support, and a probation period before the UKGC reporting cycle reveals the percentage of payouts held for responsible gambling checks. Approach with cautious optimism; you’re trading established reliability for cutting-edge payment speed. For most players, the top-ten list above remains the safer starting point.

UK Gambling Laws and Direct Banking in 2026

Every casino named in this article operates under a UK Gambling Commission licence, which means they comply with the most stringent player-protection framework in Europe. Open Banking sits comfortably within those regulations. The FCA has confirmed that account-to-account payments initiated through regulated providers are fully compliant with the Payment Services Regulations and the Gambling Commission’s LCCP (Licence Conditions and Codes of Practice).

Notably, the affordability checks that UKGC introduced as part of the Gambling Act review have direct implications for direct banking. When you deposit via Open Banking, the transaction metadata can—with your explicit consent—be shared with a credit reference agency to facilitate a frictionless affordability assessment. This means that at casinos which have adopted the approved Open Banking interface, you may avoid the manual source-of-funds requests that have frustrated players at traditional card-deposit sites. It’s a rare case where a regulatory burden actually works in the player’s favour, and it’s accelerating adoption.

A word on GamStop: all UKGC-licensed casinos are required to participate in GamStop. If you see a “direct banking casino not on GamStop” claim, it is either operating illegally from outside Great Britain or misrepresenting its status. The phrase is a reliable red flag. Play at unlicensed operators and you forfeit every consumer protection—no ADR, no segregation of player funds, and no recourse if they vanish with your balance. The extra two minutes to verify a licence number on the UKGC website is the cheapest insurance you’ll ever buy.

Instant Banking vs Open Banking: What’s the Difference?

Casino marketing loves to blur the lines, so here’s the definitive split for 2026. Open Banking is a specific UK regulatory framework that enables FCA-authorised third parties to initiate payments directly from your bank account, with your explicit consent, through your bank’s secure interface. When a casino says “Open Banking deposit”, it means precisely this regulated pipe. Instant banking (or “instant bank transfer”) is a broader term that covers any service enabling real-time bank account funding, including Open Banking, Trustly Pay N Play, Sofort, and direct connections like PayPal’s “Pay from bank account” feature. In other words, all Open Banking deposits are instant banking, but not all instant banking deposits are Open Banking. For the player, the experience is almost identical—click, authorise in your bank app, play—but the regulatory umbrella differs. When speed is the priority, Trustly’s proprietary rails often beat Open Banking by a few seconds because they’ve optimised the routing outside the standardised framework. When regulatory protection is the priority, Open Banking wins. The casinos in our main table support both, so you can choose your trade-off.

Finding Your Best Direct Banking Casino: A Decision Framework

Instead of a faceless “top 5” list, use this decision tree. It’s how we built the table above.

  • Speed above all else? LeoVegas or Bet365. Both deliver payouts in under two hours and offer Open Banking deposits.
  • Lowest wagering requirements? Grosvenor (10x) or Unibet (1x cashback). Bet365’s 20x is the best of the traditional bonus offers.
  • No-wagering spins? Casumo or 888casino. Grosvenor’s free play also qualifies.
  • High roller bonuses? 888casino (£100 match) or Mr Green (£100 match + 200 spins), but read the daily spin drip carefully.
  • Land-based brand trust? Grosvenor. The only casino here you can walk into on the high street and then switch to online, using the same Open Banking flow.
  • Pure mobile experience? LeoVegas. Their app is built for one-handed play, and the Trustly integration means you can deposit and withdraw without closing the game.
  • Avoiding the GamStop trap? All licensed UK casinos are on GamStop. The question is whether you want to use it; every operator here provides self-exclusion tools that work across their platform.

Direct Banking Casino No Verification: Myth or Reality?

Search trends spike for “Open Banking casino no verification” and similar phrases. It’s time for a sober look. In the UK, no legally operating casino can skip identity verification entirely—the UKGC’s LCCP explicitly requires licensees to verify a player’s name, address, and date of birth before allowing gambling (or, in certain low-risk circumstances, within 72 hours of a first deposit). However, Open Banking and Trustly Pay N Play can dramatically streamline this process. When you authorise a Pay N Play deposit, the service extracts verified identity data from your bank—data that has already been validated by your bank during the account-opening process, which meets KYC standards. The casino receives a “verified” token and never sees your raw documents.

So, you won’t upload a passport scan. You won’t wait for a manual check. But there is verification happening—it’s just automated and invisible. That’s the reality in 2026. If a site claims “no verification at all, ever,” assume it’s unregulated. The smart way to phrase your search: “Open Banking casino instant verification” yields accurate results that won’t land you in a black-market operator.

Which casinos accept Open Banking in the UK?

All UKGC-licensed casinos listed in our comparison table accept Open Banking deposits. This includes household names like Bet365, 888casino, LeoVegas, Casumo, and Mr Green. The list of supported banks typically covers HSBC, Barclays, Lloyds, NatWest, Santander, Monzo, Starling, and Revolut. You can verify a casino’s Open Banking support by checking the cashier page for “Open Banking”, “Instant Bank Transfer”, or “Pay by Bank” before registering. New casinos entering the UK market in 2026 almost universally include Open Banking at launch due to regulatory pressure and player demand for faster, more secure payments.

How does Open Banking work at online casinos?

Open Banking at casinos uses a regulated payment initiation service (PISP) to connect your bank account directly to the casino. You select Open Banking as the deposit method, choose your bank from a list, and authorise the payment through your bank’s app or online portal using biometrics or a passcode. The money moves via Faster Payments and reaches the casino instantly, without the casino ever seeing your bank login details. Withdrawals can follow the same path, sending funds directly back to your account in minutes. The entire process is overseen by the FCA and protects you under the Payment Services Regulations, making it one of the safest online transaction methods available in the UK.

Are direct banking casinos safe in the UK?

When licensed by the UK Gambling Commission, direct banking casinos are absolutely safe. The risk lies in using unregulated operators. An Open Banking deposit is more secure than a debit card payment because authentication happens within your bank’s protected environment, and no card numbers are transmitted. All casinos in our top list hold active UKGC licences, which require them to keep player funds in segregated accounts, submit to regular audits, and participate in an independent dispute resolution service. As long as you verify the licence number on the Commission’s public register, a direct banking casino is as safe as any other regulated form of gambling in the UK.

What’s the fastest direct banking casino for withdrawals?

Bet365 and LeoVegas consistently process Open Banking withdrawals in under two hours, often within minutes once the pending review period ends. Casumo and Unibet follow closely, with typical payouts inside two to twelve hours. The key variable is the casino’s withdrawal pending period—even an instant bank transfer can be delayed if the finance team holds the payout for routine checks. For the absolute fastest experience, choose a Trustly Pay N Play casino like LeoVegas, where the verification and payment are bundled into a single instant flow, eliminating the manual review step for most standard withdrawals.

Do direct banking casinos offer no-deposit bonuses?

Yes, but they’re rare and usually small. Virgin Games leads the pack with 30 no-deposit free spins available immediately upon registration; no direct banking deposit is required to claim the spins, though you’ll need to deposit via an accepted method (including Open Banking) to withdraw any resulting winnings. Other casinos occasionally run time-limited no-deposit promotions for new games or seasonal events, but they’re not a standard feature. Be sceptical of any claim of a large no-deposit bonus tied explicitly to Open Banking—the payment method itself doesn’t make a casino more generous, and such offers often hide steep wagering requirements or withdrawal caps.

The Bottom Line

Direct banking casinos have won the payment war in 2026. The combination of UKGC licensing, Open Banking rail reliability, and the demise of card-network friction has created a playing field where you can deposit and receive money in less time than it takes to brew a coffee. The operators above aren’t just accepting direct banking—they’re built on it, with payout systems that treat speed as a competitive advantage rather than a grudging afterthought. Pick one, verify the licence, and remember the golden rule: if a casino markets a payment method as a “gift”, you’re the product, not the customer.

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