Best Trustly Online Casinos

Being able to deposit and withdraw safely and securely at an online casino is one of the most important things for any online casino player. There are a variety of different payment methods that can be offered. Some methods will let you deposit while some will let you withdraw. There are of course an increasing number of payment methods that will allow you to do both.

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Some casinos will give you so many payment options that you might get confused as to which one to choose. Don’t worry! We’ve got you covered with this guide. All that you need to know about the most popular payment methods will be written right here.

We tried to choose the most popular payment options that you might be likely to select as your preferred payment method. Whether you’re a first time player or a professional gambler, one of the first things that you need to decide is which payment method you will use. Read our guide to find out more.

Credit and Debit Cards

Credit and debit cards are two of the most popular payment methods used by online players. This is due to the fact that almost everyone is in possession of either one and it is quite easy to use. All you have to do is grab the card from your wallet, enter the details of the card and you’re good to go.

These payment methods are not the fastest out there when it comes to withdrawals. It is known that e-wallets process withdrawals faster. However, with the fast deposits, the cards get the job done, and you don’t need to adjust yourself to a new method as you’re already used to it in your day to day lifestyle.

American Express

A big name in the online payment industry is American Express, also known as AMEX, and it is used by many gamblers all around the world. In the online casino world, this payment method is supported by a number of online casinos. Online casinos that accept American Express as a payment method allows players to make safe deposits within minutes. Players can also withdraw at any time with no extra hassle.

Players can also download the AMEX app, available on iOS and Android, which helps them stay on track with their savings.

Visa

Visa is the most popular type of credit and debit cards used globally. Since it is the most sought after, it is also the most common and readily available to use at online casinos. It is often the most common go to banking method at online casinos. Deposits can be done instantly by entering the information that is present on the card. It is also an ideal way to make withdrawals since it is a safe and secure method. However, using a VISA might take longer to withdraw your money than when using an e-wallet payment method.

MasterCard

MasterCard is a deposit method that is accepted in most online casinos as it is a highly used payment option. MasterCard credit cards are simple, quick and extremely safe to use when making an online transaction. MasterCard is one of the two largest issuers of credit cards and debit cards and its network covers over 25,000 banks and other financial institutions.

When it comes to MasterCard, players can choose almost any online casino site to their fancy as most of them accept this method for deposits and withdrawals. When using MasterCard, deposits can be processed instantly. Just like when using Visa and credit and debit cards, withdrawals might take longer to get processed, depending on the terms of the casino. However withdrawals to cards have improved a lot in speed in the last few years.

Rupay

Rupay is a new card payment scheme that has been launched by the NPCI in India to participate in electronic payments. Rupay is defined by two terms ‘Rupee’ and ‘Payment’. The orange and green arrows on the payment indicate a country on the move while the color blue stands for tranquility.

Rupay is available in prepaid, debit and credit cards and you may request your bank to issue a Rupay card. Using Rupay online can be done by entering your card details, similar to when using a regular debit and credit card. A number of online casinos accept Rupay as a payment method. Deposit and withdrawal times vary but they are similar to those of the popular debit and credit cards.

E-Wallets

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In the early days of gaming e-wallets were the most used method offered by the online casinos and to this day are still very popular among online players. This is because they are one of the fastest methods to get your withdrawals straight to your bank account. After physical cards, e-wallets are one of the most sought after depositing and withdrawing payment methods.

Apart from being an extremely quick method to deposit and withdraw, e-wallets are also incredibly safe and secure. You can also store your card information all in one place. Popular e-wallet methods include PayPal, Skrill, Neteller, EcoPayz, and more.

However, one thing to keep in mind with e-wallet payment options is that, in some online casinos, welcome bonuses are not applicable if you are using one of these online payment methods as your deposit option. Make sure that you are aware of the casino’s terms before committing to your preferred payment method.

Neteller

Neteller is one of the biggest and most popular e-wallet payment methods around. Processing is safe, secure and deposits and withdrawals can be processed instantly without any waiting time. Apart from online casinos, this method is also popular for online shopping and transferring money between individuals.

It’s very simple to sign up with Neteller. All you have to do is register for a free account on their website and add the funds to your account. This can be done from your card or via bank transfer.

PayPal

PayPal is a very safe payment method that is widely accepted amongst most online casinos. However, in a few countries, PayPal is only accepted as a deposit method and not as a withdrawal. Before playing, make sure that you read the terms and conditions of your chosen casino. The use of PayPal is also sometimes limited to countries outside of the United States, Canada and Australia.

You can deposit money into your PayPal account via bank transfer or using your credit card and then use this money when playing at an online casino. Players can also link their credit cards to their PayPal account to make automatic withdrawals. This makes sure that your sensitive data is only shared on one website.

Skrill

Skrill was set up in 2001 under the name Moneybookers. It has been rebranded and given the name of Skrill instead. Skrill is another popular e-wallet payment method similar to PayPal and Neteller.

It is a popular method for deposits and withdrawals and it gives you the opportunity to deposit and withdraw money instantly from an online casino. All you have to do is set up an account with Skrill and transfer your funds to your Skrill account and you’re good to go.

Online Banking

Online

Online banking is the traditional method to fund your gambling account. By using this method, you can transfer money to and from your casino account easily. All you have to do is give instructions to your bank or use internet banking for deposits.

However, this method is not always an instant method of payment. You may need to allow a few days for the funds to clear into your casino account. When it comes to withdrawals, transfers are not automatic either. You will need to wait a few banking days for your funds to appear in your bank account. Although it is a safe and secure method as a payment option, it is not the fastest.

Interac

Founded in 1984, Interac is a popular payment method with a number of players. It allows players to transfer money between their bank account and their online casino account without sharing their personal data.

Interac is very similar to debit cards because it allows you to transfer as much money as you have in your account. In fact, this payment method is often referred to as Interac Debit. It is a very safe and secure payment method and deposits and withdrawals are almost instant.

Instadebit

Instadebit is a bank to bank payment that is also very popular with casino players. It is used for a variety of online payments and it is widely accepted as an online casino payment method. Instadebit has very low transfer fees and instant results.

Instadebit allows you to keep track of deposits and withdrawals and does not reveal any of your financial information.

NetBanking

NetBanking is a form of electronic transfer method that is being used in India. Making a deposit with this online banking method is cheap, convenient and fast. The money is typically credited to your casino account instantly after the transfer has been made.

Most online casinos accept NetBanking as a form of payment method for Indian casino players.

UPI

UPI works by transferring the funds between two bank accounts on mobile platforms. UPI works immediately and with no delays. In order for players to use this service, you need to create a VPA (Virtual Payment Address) and connect it to your bank account.

For deposits, you need to log in to your account and click on ‘Cashier’. Then, choose the ‘Make a Deposit’ button and click on the UPI section. All you need to do is follow the instructions given. UPI only allows small withdrawal amounts at the moment.

Bank to Bank Transfers

With the growing use of online banking, Bank transfers are less common as an online payment method when gambling online. All you have to do is give instructions to your bank to use internet banking for deposits. However, this method is not instant and you will need a few days for your funds to get processed, both when making a deposit and when making a withdrawal.

The processing time depends on the casino but it normally takes up between 1 to 4 days in total.

Crypto Currencies

Crypto currencies are still somewhat new to the online payment industry but they have risen in popularity and they are growing in demand. This is because a small win today can mean big money tomorrow as its value fluctuates.You never know how your luck will turn out.

Although it might seem like a risk to some, its use is increasing, especially because of its instant deposits. When it comes to withdrawals, they are not meant to be instant because your win can multiply in size if you’re lucky!

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Bitcoin

Bitcoin is the most popular crypto currency payment out there. A lot of people know about Bitcoin and a number of gamblers use this method if they want to choose crypto currency as their desired method.

Many online casinos have started implementing Bitcoin to their payment lists. Deposits are instant but withdrawals can take up from 1 to 4 days to be processed. With Bitcoin and its fluctuating value, a small win today might result in a bigger win tomorrow, so knowledge is key, as value can of course also decrease.

Other Payment Methods

There may definitely be other payment methods involved at your chosen casino than listed here. However, this all depends on the country that you are playing from. India will have different payment methods available to Europe or the US. Make sure that before you commit to an online casino, you take a look at their payment methods section to see that you find one available for use.

eCheck

eCheck can be found at a variety of online casinos. This payment functions similarly to a paper check. However, eChecks are electronic vs the traditional checks that come in the form of a physical paper. With eChecks, you still need to fill out the same information as you would when you are handing a check physically. This information includes your bank routing number, your bank account number and your name.

With eChecks, transactions could take up to 3 days to be processed.

FAQ

Is it safe to deposit on an online casino?

All our recommended casinos are safe and secure. Our team of reviewers have taken the time to check out that the casino is licensed and regulated by international regulatory bodies like MGA and Curacao eGaming. Apart from that, all payment methods have been tried and tested to check their safety. There are also strict guidelines for the online casinos to follow under the Anti-Money Laundering directive, making online payments even more secure.

How can I withdraw my winnings?

To withdraw your winnings, you need to verify your account with the casino, send in the requested documents to prove that you’re the owner of the account and then you will receive the funds depending on which payment methods you have chosen. It’s really that simple and safe.

What payment method is the safest?

We only recommend the most used and popular methods which is why our top casinos with their own methods have made it to our list. You can trust all of the options that we have recommended, however to avoid any delays make sure to read up on all terms, processing times and account verification process required by the individual casinos.

Last Updated on December 7, 2020


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Trustly is a payment method that launched back in 2008. We will look at casinos that accept Trustly bring you our recommendation for the best Trustly casinos. Online casinos with Trustly started in 2017.

People like to use Trustly casinos because they do not need to sign up with an account with the online casino if they live in a country with electronic ID (eID). At the time of writing this includes countries like Germany, Finland and Sweden. This means that they do not have to provide the casino with any of their personal details.

Another benefit of using Trustly with online casinos is that deposit transfers are instant and secure. Trustly connects with the bank accounts that the use has and can access the account of the user’s choice to make the deposit with the inline casino.

Trustly does not charge any fees for transactions which most other payment processing operators do. You can make deposits in online casinos using Trustly and it is possible to make deposits as well. We will discuss this in more detail later.

Pros of using Trustly to fund your online casino account

  • Deposits and withdrawals are possible
  • There is no need for you to register for a casino account
  • The transfers are instant and secure
  • You can use a mobile device as well as a computer to make deposits and withdrawals
  • If you live in a country that has eID then you will not require a casino account and you can gain access to payouts very fast

Cons of using Trustly casinos

  • Trustly is not available in all countries
  • Not all casinos accept Trustly
  • Once you confirm a deposit you cannot reverse the transaction

What exactly is Trustly?

Trustly is now a very popular payment method for making deposits and withdrawals at online casinos and for other applications such as online shopping. They started in Sweden in 2008 with 3 people and now have 9 offices in Europe and North America and more than 350 employees.

Trustly connects with your different bank accounts. When you have a Trustly account you can make transactions without having to share your bank details. Most people have more than one account and you can link them all to Trustly. Then you have the choice of which account to use from within Trustly to make a payment.

Trustly partnered with a number of online casinos to create Pay N Play. Pay N Play does not require a Trustly user to register at the casino and they can make instant deposits and request withdrawals using their Trustly account.

Trustly simplifies transactions with online casinos because it cuts short the need to exchange details between the users and the casino. All transactions using Trustly fully comply with casino “Know Your Customer” (KYC) policies and users can use Trustly for transactions using a computer and specific mobile devices.

Where is Trustly used?

When Trustly first became available as a payment method for online casinos it was only available to people from Denmark, Finland, Spain and Sweden. Since then the list of countries where you can open a Trustly account has grown to 29. The countries are:

  • Austria
  • Belgium
  • Bulgaria
  • Croatia
  • Cyprus
  • Czech Republic
  • Denmark
  • Estonia
  • Finland
  • Germany
  • Hungary
  • Ireland
  • Italy
  • Latvia
  • Lithuania
  • Malta
  • Netherlands
  • Norway
  • Poland
  • Portugal
  • Romania
  • Slovakia
  • Slovenia
  • Spain
  • Sweden
  • United Kingdom

You cannot open a Trustly account if you are a citizen of the United States yet. But the company are working on this and they have opened an office in the USA so that they can bring the benefits of the Trustly payment method to the people of America.

Trustly safety and security

You may be wondering if it is safe to use Trustly with online casinos to make deposits and withdrawals. The Swedish Financial Body regulate Trustly. This is good because it means that Trustly uses the same high level secure socket layer encryption for its transactions that many banks use.

Another thing that makes Trustly safe and secure to use is that it uses 3D authentication protocols for the security of payments and to avoid any fraud. This is an additional layer of security for payment transactions.

None of your sensitive banking data or your pins are shared with Trustly. What Trustly does is just facilitate your bank’s subsidiary services. With your Trustly account you just use the profile from your bank and then you have to authenticate any payments. This authentication is all that Trustly requires to fund a casino deposit.

You are not linked with the platform of the casino because Trustly is a third party payment method. There is no need for you to use any of the online forms provided by the casino. Security is far better with Trustly than it is with online casinos. There is no sharing of details with the casino. So it is very safe and secure to use Trustly with online casinos.

How to deposit and withdraw funds using trustly

It is not difficult to make deposits with Trustly casinos. Remember that you do not require to register a casino account as everything is taken care of with your bank profile. Just follow the simple steps below to make instant, real-time deposits with online casinos that accept Trustly:

  • You need to find an online casino with Trustly that suits your requirements
  • Navigate to the “Cashier” page of the online casino
  • Find the Trustly payment method and select this (with some casinos you can mark this as your primary payment method so that they automatically present the Trustly page to you)
  • Choose the country which you reside in
  • Choose the bank where you have an active account
  • Enter the amount for the deposit that you want to make and the account at the bank that you want to use
  • You will then be automatically taken to the appropriate banking profile by Trustly
  • Log in so that you can make the transaction
  • You will need to verify the transaction which could mean entering a verification code sent to your phone via SMS or an email, or by entering a specific ID number
  • As soon as you have verified the transaction Trustly will enable the transfer of the funds to the online casino
  • Your funds should appear instantly in your online casino so that you can start playing immediately

One of the few drawbacks with making casino deposits with Trustly is that once you verify the transaction you cannot go back and undo it as you can with some other payment methods. Other than that the process to make a deposit is easy and straight forward.

When Trustly first launched its service to make deposits with online casinos that was all that you could do. There were no facilities to make a withdrawal so you had to select another method for this.

But as Trustly grew so did the pressure from users to enable a withdrawal feature. So with this pressure from users and online casinos expanding the number of withdrawal options they were offering, Trustly decided created their “Payout Express” service which enables casino players in the Eurozone to make withdrawals from online casinos.

Trustly worked closely with payment processor giant PayPal to create this service and it is now widely used and Trustly users find it really convenient. As with the process of making deposits, requesting a withdrawal is simple and easy. Just follow these steps:

  • Navigate to the “Cashier” page of the online casino
  • Select the option to make a withdrawal request
  • Choose Trustly as the withdrawal method
  • Choose the country which you reside in
  • Choose the bank where you have an active account
  • Enter the amount for the withdrawal that you want to make and the account at the bank that you want to use
  • You will then be automatically taken to the appropriate banking profile by Trustly
  • Log in so that you can make the transaction
  • You will need to verify the transaction which could mean entering a verification code sent to your phone via SMS or an email, or by entering a specific ID number
  • As soon as you have verified the transaction Trustly will enable the withdrawal of funds to your bank
  • Your funds should appear quickly at your bank (see below)

You need to be aware that different online casinos will have different processing times when it comes to withdrawals. With some casinos your withdrawal funds will appear in your bank in a few minutes. Others have a manual process for withdrawals which means that it could take between 24 and 48 hours for the withdrawal funds to hit your bank.

Any delays are nothing to do with Trustly. Trustly has to wait for the casino to clear the withdrawal and as soon as it does the transaction is made in real-time and you will see your funds right away.

If you reside in the United Kingdom then all first time withdrawals are likely to be subject to delays due to the requirements of the Gambling Commission. They insist that there must be a KYC check where the player has to prove their real identity and the address they reside at in the UK before they can receive a withdrawal payment.

Reasons to use and not to use Trustly for gambling in an online casino

No payment method is ever perfect so here we will take a look at the reasons why you should use Trustly for gambling with online casinos and also the reasons why you shouldn’t use this payment method.

One of the best reasons to use Trustly with online casinos is that it should be free for you to use. Trustly does not charge the user for any transactions but bills the casino operator instead. You need to check this as there may be some casinos that will make a charge for you to perform transactions using Trustly. You might find that some banks will charge you as well.

You never have to share your sensitive banking details with any online casino. Trustly is a very safe and secure service that uses the same level of encryption security that a lot of banks use. The security with Trustly is certainly higher than that of the online casino.

You can use Trustly as both your deposit and withdrawal method as long as the casino allows this and there are no restrictions due to the country that you reside in. When you make deposits with Trustly the transactions are in real time and funds appear at the casino instantly.

Withdrawal times are at the mercy of the casino, but once approved Trustly processes them in real-time.

When it comes to reasons not to use Trustly for gambling with online casinos there are not that many. Trustly may not be available in your country yet which would certainly prevent you from using it.

If you reside in one of the 29 countries where you can currently use Trustly then there is no guarantee that your bank is affiliated with them. You need to check this first. The other disadvantage of using Trustly with online casinos is that you cannot reverse any transactions that you make. Once you verify a transaction you are stuck with it.

Maximum and minimum deposits in casinos using Trustly

You should not find that Trustly casinos place any further maximum or minimum deposit restrictions. Trustly is not an e-wallet but a payment method. All online casinos will have rules about the minimum and maximum amounts that you can deposit.

As a rule of thumb, a lot of online casinos will have a minimum deposit amount of €10 or £10. There are not usually any maximum deposit restrictions but at some online casinos you will only be permitted to make deposits of up to €5,000 or £5,000 each day.

Always read the terms and conditions of the online casino that accepts Trustly to make sure that you are aware of, and understand, the minimum and maximum deposits that you can make. There are likely to be some differences between the available casinos.

What transfer times are involved with Trustly?

As we have said already, Trustly transactions happen in real-time and they are instant. When it comes to making a deposit at an online casino you will see your balance funded almost immediately after verifying your Trustly transaction.

Trustly has no control over the time it takes for withdrawals. Each casino can have a different policy with this. Some online casinos will insist that all withdrawals go through a manual check process which will delay the transaction. Others will process withdrawals a lot faster. As soon as Trustly receives confirmation from the casino the transaction happens in real-time.

What are the fees with Trustly?

This is another great thing about Trustly. They do not charge their users any transaction fees. When a transaction is made with the online casino, the casino has to pay Trustly a transaction fee.

In most cases there will be no charge to you. But some casinos that accept Trustly may make a charge for all transactions so you need to check this before you start making deposits. You may also find that your bank makes a transaction charge so check this as well.

Can i receive bonuses or free spins depositing via Trustly?

Yes you can. There are online casinos with Trustly that will provide you with bonuses for using them. The types of bonuses typically include:

  • A welcome bonus
  • Free slot spins
  • Bonuses for later deposits (e.g. third deposit bonus)
  • Cash back (usually a percentage)
  • Bonuses for playing

You should find that the vast majority of Trustly casinos will willingly provide bonuses to you especially when you start to use them. Unlike e-wallet services from Skrill or Neteller, you are very unlikely to find any casino that will withdraw bonuses because you are funding your playing through Trustly.

Are there live casinos with Trustly?

There are certainly some live casinos that accept Trustly as a payment method. Please see our list of live casinos above where you can make deposits with Trustly.

Are there mobile casino sites using Trustly?

There are a number of mobile casino operators that accept Trustly payments. Play N Play casino apps for iOS and Android phones and tablets are increasing in number all of the time. In Europe right now more than 40% of the casino sessions played are done so on a mobile device using either the Android or iOS platform.

Trustly works well on mobile devices so you will not have any problems making deposits or requesting withdrawals using your Apple iPhone or Samsung smartphone or tablet. Please bear in mind that there may be some limitations with the types of casino games that you can play at mobile Trustly casinos.

Are there virtual reality casino sites with Trustly?

Virtual reality casinos with Trustly are going to be thin on the ground at the time of writing or even non-existent. We were unable to find any virtually reality casinos that accepted Trustly as a payment method but things will probably change fairly soon.

There are not many virtual reality casino sites available right now. Nobody knows of the concept is going to really take off. So it is not easy to predict whether virtual casinos will take advantage of Pay N Play or not.

What makes a good Trustly casino?

The fact that an online casino accepts Trustly as a payment method is a good thing in itself. It is difficult to say exactly what you should look out for as everyone has different requirements when it comes to online casinos. Here are some general ideas about what makes a good Trustly casino:

  • The casino is operated by a well known brand in the market
  • There are no hold ups from the casino when it comes to making deposits
  • The casino has fast withdrawal times
  • The casino has a low minimum deposit and a high or limitless maximum deposit
  • The casino offers valuable bonuses to new and existing players
  • There are a wide variety of games available in the casino

If you are not that bothered by established online casino brands then you should know that there are a lot of new Pay N Play casinos that accept Trustly emerging. Please see our list of top Trustly casinos above.

Are Trustly casinos legal?

Trustly casinos are certainly legal. You need to ensure that it is legal for you to use a Trustly casino in your country as this may be illegal. It will have nothing to do with the Trustly payment method if a casino is legal in your country or not.

Top software providers used by Trustly casinos

A number of the top software companies that create casino software support Trustly casinos. Here are some examples:

  • Evolution Gaming
  • ELK Studio
  • NextGen
  • Play’N Go
  • ReelPlay
  • Microgaming
  • NYX
  • SoftSwiss
  • Betsoft
  • Playtech

You will find that most of the major casino software companies behind Pay N Play casinos.

Why play at Trustly casinos?

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Here are a number of good reasons why you should play at Trustly casinos. The first of these is that in most cases the transactions that you make will be free of charge. Trustly does not charge users for deposits or withdrawals (the casino or bank may make a charge so you need to check this).

You can make deposits and withdrawals using Trustly. It is a very safe and secure payment method and it uses the same high encryption standards for transactions that many banks do. When you use Trustly for your casino transactions you will not have to complete any forms from a casino revealing your sensitive banking details.

Trustly transactions happen in real time which means that if there are no hold ups on the part of the casino then deposits happen instantly and withdrawals are fast too. Some casinos will impose delays with withdrawals to perform checks so please read the terms and conditions.

You can make transfers using Trustly in your native currency so you are able to avoid any charges for currency exchange. Pay N Play casinos are really popular and more of them will emerge in the near future which means a greater choice for you.

Alternatives to Trustly

Trustly is a very good payment method for use with online casinos. But if you don’t want to use it (or it is not available in your country yet) then there are a number of Trustly alternatives available. Here are some examples:

  • Skrill
  • Neteller
  • Pay by phone
  • Credit and debit cards
  • PayPal
  • Neosurf
  • Bitcoin and Etherium
  • Paysafecard
  • Bank transfer

If Trustly is available in your country then we highly recommend that you use it for online casino transactions. You can use one of the alternatives but it is very likely that you will have to pay transaction charges with these.

Which countries can i use Trustly for casino deposits?

We already covered this earlier. Here is the list of 29 countries again where you can use Trustly:

  • Austria
  • Belgium
  • Bulgaria
  • Croatia
  • Cyprus
  • Czech Republic
  • Denmark
  • Estonia
  • Finland
  • Germany
  • Hungary
  • Ireland
  • Italy
  • Latvia
  • Lithuania
  • Malta
  • Netherlands
  • Norway
  • Poland
  • Portugal
  • Romania
  • Slovakia
  • Slovenia
  • Spain
  • Sweden
  • United Kingdom

Which casino games are available at Trustly casinos?

You should find that casinos that accept Trustly will provide you with all of the games that you like to play. So you should be able to play:

  • Trustly slots
  • Trustly roulette
  • Trustly blackjack
  • Trustly poker
  • Trustly dice
  • Trustly lottery

Take a look at the website of the Trustly casino that you are considering using to ensure that they have the games available that you like to play.

Final thoughts

There are many advantages of Trustly casinos and using the Trustly payment method for deposits and withdrawals. Not having to pay transactions fees is certainly good as is the real-time processing of transactions and the high levels of security.

The number of casinos that accept Trustly is growing all of the time. Pay N Play is really popular with casino players so you can expect more casinos to accept Trustly in the future. Trustly is working hard to provide its services to other countries such as the United States.

FAQ

What is Trustly?

It is a payment method for making fast and secure transactions with online casinos and other online businesses.

Is Trustly safe?

Trustly uses the same high levels of encryption for transactions that banks do and it also uses 3D payment protocols so it is very safe.

Are there any transaction fees with Trustly?

Trustly never charges users for transactions. It charges the casinos instead. Some casinos may try to pass this charge on to you so you need to check their terms and conditions.

Is it easy to use Trustly?

Yes it is. There is a simple to follow process to make a deposit or a withdrawal request. It is all easy and straight forward.

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