Best Real Money Online Casinos UK 2026: The Licensed Operators, the Payout Maths and the Small Print

How UK online casinos actually work in 2026

Two players open accounts on the same Tuesday evening. One signs up with a Gambling Commission licensee. The other clicks a banner promising 500 free spins from a casino nobody has heard of. Six weeks later, the first player withdraws £840 without drama. The second has £1,200 frozen, a support inbox that stopped replying, and no regulator to complain to. Same country, same games — completely different legal universe. That gap is what this guide is about, not the marketing gloss.

The UK online casino market is one of the most tightly regulated in the world. Roughly 200 legal brands hold a remote operating licence from the Gambling Commission, and that single fact separates them from the thousands of offshore sites that still accept British traffic without one. The difference shows up in your withdrawal time, your complaint route and, if things go wrong, whether you get paid at all.

What changed in 2026 is the money underneath the games. Remote Gaming Duty doubled to 40% from April 2026, up from 21%. Operators now hand HM Revenue & Customs 40 pence for every pound of stakes they receive. That is not a player tax in the technical sense. It is a margin squeeze that gets passed down the chain — in tighter bonus terms, in game libraries that lean toward lower RTP versions, and in the quiet retirement of promotions that used to look generous. Anyone comparing UK casinos in 2026 without factoring that shift is reading a menu from a restaurant that changed chefs.

What a UKGC licence does and does not guarantee

A Gambling Commission remote casino operating licence guarantees three things that matter when money is on the line. Your funds are held in segregated accounts or protected by an insurance arrangement. You have access to an independent dispute resolution service if the operator will not budge. And the games you play have been tested for fairness by an approved laboratory such as eCOGRA, BMM Testlabs or GLI.

What it does not guarantee is a smooth experience. It does not guarantee you will win. It does not even guarantee that the withdrawal will be painless. What it guarantees is a defined process when things go wrong — and in a market where offshore sites can vanish behind a domain redirect, a defined process is worth more than a headline bonus.

Every licensed operator must be a member of a recognised alternative dispute resolution (ADR) provider, and the Commission publishes the list. If a casino refuses to engage with an ADR complaint, that is itself a licence breach and can be reported directly to the regulator. The Commission does not award compensation, but it investigates patterns and has issued fines running into the millions — individual settlements frequently between £1 million and £20 million for failures in social responsibility and anti-money-laundering checks.

The tax shift that quietly reshaped RTP

Return to player is the long-run theoretical average a game pays back over millions of spins. A 96% RTP slot returns £96 for every £100 staked over that horizon. It is not a promise for your session. It is a mathematical property coded into the game, and it does not change whether you spin on a 27-inch monitor or a cracked iPhone SE.

What does change is the version of the game an operator chooses to host. Under the 40% Remote Gaming Duty, the pressure to stock lower-RTP variants is real. The average RTP of UK online slots sits around 96%, but some titles clear 98% while others dip below 95%. The difference between a 94% and a 96% slot sounds trivial until you run the maths over a few thousand spins. It is not trivial. It is the house edge quietly widening its lead.

This is why the operators that publish RTP data — and stock the higher-paying variants — deserve more credit than the ones that bury the number in a paytable PDF. Transparency is not a bonus feature in 2026. It is a signal.

Best real money online casinos UK 2026: the ranked list

Ranking casinos is an argument, not a science. Anyone who tells you otherwise is selling something. The list below weighs five things: UKGC licence status, game library depth and RTP transparency, published payout windows (not marketing claims), bonus terms that a normal person can actually clear, and the friction of the cashier desk. Traffic data and player-reported timings inform the order, but the cashier is the tiebreaker.

1. Bet365 Casino — the deep-pocketed default

Bet365 remains the largest UK-facing operator by revenue, with a casino product built on Playtech, Microgaming and its own proprietary games. The slot catalogue runs past 2,300 titles, the live casino is fed by Evolution and Playtech studios, and the cashier settles e-wallet withdrawals in under an hour for verified accounts. The welcome offer — 100% up to £100 with 20x wagering — is not the flashiest on the market, but the terms are readable and the game weighting is not a maze. Where Bet365 wins is reliability: the app is stable, the verification queue moves, and the sportsbook cross-sell does not interfere with the casino wallet.

2. William Hill Casino — the high-street handshake

William Hill carries decades of brand recognition and a welcome structure that leans on free spins rather than a fat deposit match — typically a £30 bonus plus 50 spins, with 30x wagering on the bonus. The stated payout window is 1 to 24 hours, and player reports place e-wallet cashouts toward the faster end of that range. The slots range is deep, the live dealer tables are supplied by Evolution and Playtech, and the loyalty scheme rewards turnover in a way that is at least legible. The trade-off is a platform that feels built around the sportsbook first and the casino second. For slots-only players, that is a minor irritant; for anyone who bets on football and spins in the same session, it is the whole point.

3. Sky Vegas — the slot-first specialist

Sky Vegas is the most visited casino website in the UK, according to Similarweb traffic data from July 2026, and the focus is unapologetically slots. The welcome offer is a no-wagering free spins package — 50 spins on registration followed by 200 more with a £10 deposit, with no wagering on the spin winnings. That is not a typo. No wagering. It is the kind of offer the UKGC's 10x cap on bonus wagering technically permits but few operators bother to match, because no-wagering spins cost the operator real money upfront. The payout window is same-day to 24 hours for PayPal and debit card withdrawals. The library is smaller than Bet365's, but it is curated rather than dumped.

4. MrQ — the no-nonsense newcomer

MrQ is the newer entrant that has built a large player base on a clean interface and competitive bonus terms. Minimum deposit sits at £10, the welcome offer is deposit £10 for 50 wager-free spins, and the platform advertises instant withdrawals on verified accounts. The game library is powered by third-party providers rather than a proprietary stack, which means the RTPs are standard rather than customised. Where MrQ differentiates is friction: the account creation is quick, the verification is not deliberately obstructive, and the bonus terms do not require a legal translator. For a player who wants a straightforward real money casino without the legacy baggage, MrQ is the sensible starting point.

5. 32Red — the steady veteran

32Red has been operating long enough to have seen the pre-regulation era, and its game library reflects that stability rather than novelty. The minimum deposit floor is low — typically £3 on debit card for selected products, which is unusual in a market that clusters at £5 and £10. The welcome offer is a deposit match with spins, the wagering is standard, and the payout window is competitive without being class-leading. What 32Red has that newer brands lack is a track record: it has been continuously licensed, it has not been the subject of a licence review that made headlines, and its cashier process is boring in the best possible way.

6. LeoVegas — the mobile-first operator

LeoVegas built its reputation on mobile before mobile was the default, and the app remains the primary product rather than an afterthought. The welcome offer is play £10 for 50 free spins with no wagering requirement on the spins themselves, which is a cleaner structure than most deposit-match packages. E-wallet withdrawals clear in 0 to 4 hours according to the operator's published windows, and the Yggdrasil and Pragmatic Play catalogues are well represented. The trade-off is a bonus ceiling that is lower than the high-street giants — LeoVegas is not the place for a £500 deposit match — but for a mobile player who values speed over headline numbers, it is a strong fit.

7. Pub Casino — the low-stakes outlier

Pub Casino, operated under the L&L Europe umbrella alongside All British Casino, tore down the traditional £10/£20 deposit floor by rolling out £5 minimum deposits and withdrawals across its network. The welcome offer is modest, the wagering is capped at 10x, and the game library leans on third-party slots rather than exclusive content. Pub Casino will not win a feature-war. What it will do is let a player test the water with a fiver and withdraw the same fiver without a minimum-withdrawal trap. In a market where "low deposit" often means "low deposit but £20 minimum withdrawal," that distinction matters.

Comparison table: bonuses, licences, payouts and minimum deposits

The table is a starting point, not a verdict. A 20x wagering requirement on a £100 bonus means £2,000 of qualifying play before withdrawal; a 30x requirement on a £30 bonus means £900. The headline bonus size is the least informative number on the page. The wagering multiple and the game weighting are what decide whether the offer is real or theatre.

Are online casinos legal in the UK in 2026?

Yes — provided the operator holds a remote casino operating licence from the Gambling Commission. The legal framework still rests on the Gambling Act 2005, but the rules layered on top of it have tightened considerably since the Gambling Act Review White Paper of April 2023. Operating without a licence is not an advertising violation. It is a criminal offence under section 33 of the Act.

The practical consequences of the licensing regime are friction, and the friction is deliberate. Deposits over certain thresholds trigger document requests. Long sessions trigger safer gambling interactions. Withdrawals to a payment method you have not deposited from can be declined outright. None of this is designed to be pleasant. It is the price of operating in a jurisdiction where the regulator can and does take licences away.

What the Gambling Commission actually enforces

The Licence Conditions and Codes of Practice — the LCCP — is the rulebook every licensee must follow. It covers anti-money-laundering checks, customer identity verification, key event reporting and customer fund protection. Identity verification is not a suggestion: operators must confirm that a customer exists and that their name, address and date of birth all match to the same individual before a withdrawal is processed.

On top of the LCCP sit the Remote Gambling and Software Technical Standards (RTS), which govern how games are tested and how results are timed. The headline player-protection measures in force by 2026 include online slot stake limits of £5 per spin for players aged 25 and over and £2 per spin for players aged 18 to 24, financial vulnerability checks triggered at £150 net deposits in a rolling 30-day period, and a mandatory statutory levy on operators that replaced the old voluntary contribution model. GAMSTOP allows a player to exclude themselves from every UK-licensed online gambling site and app with a single registration.

The offshore trap

Search results for "real money casino UK" are still littered with offshore brands advertising 500% bonuses, "no wagering" promises and "not on GamStop" status. The playbook is consistent. A headline number that no licensed operator can legally match, followed by withdrawal caps, processing fees and expiry windows buried in the small print. One documented example: a £10 no-deposit bonus advertised as having "no wagering requirements," with a 48-hour expiry, a £15 withdrawal cap and a £5 withdrawal fee. After the fee, the net return is far below the headline number. Another: a £10 bonus withdrawn with a £7.99 processing fee, leaving a net payout of £2.01.

These platforms are not cheaper because they are more efficient. They are cheaper because they carry none of the costs of a UK licence — no point-of-consumption tax, no statutory levy, no ADR membership, no contribution to research and treatment. The money you "save" on the bonus is money you have already paid in the probability of not being paid at all.

Bonuses and free spins: reading the small print like an adult

The UKGC tightened its promotional rules on 19 January 2026. Operators must not include more than one gambling product in the same incentive, which bans the old "bet on sports, get casino spins" bundles. The word "free" is now subject to strict constraints: a product cannot be described as free if the consumer has to pay anything beyond the unavoidable cost of responding to the offer. That is why genuine no-deposit bonuses have become scarce in the licensed market.

Why "free" is a loaded word under UKGC rules

Wagering requirements on casino bonuses are capped at 10x under the post-January-2026 regime. That sounds generous until you see how operators structure the offer. A 10x requirement applies to the bonus amount in most cases, not the deposit plus bonus, but the game weighting can still stretch the effective playthrough. If slots contribute 100% and table games contribute 10%, a £100 bonus with 10x wagering becomes £10,000 of roulette turnover if you insist on clearing it at the roulette table. The cap is real. The maths around it is where the theatre lives.

Take a £10 no-deposit spin package with a 10x wagering requirement and a £50 maximum withdrawal. If you win £20 from the spins, you need to wager £200 before you can withdraw anything. The £50 cap means that even if you turn the £20 into £200 during wagering, you can only take away £50. That is not a scandal — it is disclosed in the terms — but it is the difference between a "free" offer and a lottery ticket with extra steps.

No-deposit offers that actually exist

Genuine no-deposit free spins survive in a small corner of the UKGC-licensed market, concentrated among Jumpman Gaming white-label brands. Pink Riches and Millionaire Games both offer 20 free spins after registration and debit-card verification, with 10x wagering and a £50 maximum withdrawal. Pink Riches applies the spins to Starburst; Millionaire Games applies them to Who Wants To Be A Millionaire. Cash Arcade, another Jumpman brand, offers a smaller five-spin deal on the same terms.

These are not the kind of offers that change your month. They are the kind of offers that let you test a platform without a deposit. Treat them accordingly. The £50 withdrawal cap is the price of admission, and the 10x wagering is the current maximum allowed under UKGC rules — not a sign of generosity.

Welcome bonuses worth the wagering

The better-value welcome offers in 2026 are the ones with no wagering on the free-spin component. Sky Vegas runs 50 no-deposit spins plus 200 more with a £10 deposit, with no wagering on the spin winnings. MrQ runs deposit £10 for 50 wager-free spins. LeoVegas runs play £10 for 50 free spins with no wagering on the spins themselves. In each case, the deposit-match component — if there is one — carries wagering, but the spin winnings are clean.

The trade-off is size. A no-wagering spin package will not hand you a £500 bonus pot. A 100% up to £100 deposit match with 20x wagering will, if you clear it, but the expected value depends on the game you play and the time you spend. For most players, the cleaner offer is worth more than the bigger headline. For a specific type of player — high-volume slots, comfortable with variance — the deposit match is the better instrument. Neither is "best" in the abstract.

Slots, roulette, blackjack and live dealer games

The UK casino floor in 2026 is a slots-led business, but the table games and live dealer lobbies are not decorative. Each vertical has a different house edge, a different pace and a different set of regulatory constraints. Treating them as interchangeable is how players end up clearing a slots bonus at the blackjack table and wondering why the wagering never moves.

Slots: RTP, stake limits and the myth of the "hot" machine

Online slots are the most heavily regulated vertical in the UK market. The £5 stake cap for players aged 25 and over, and the £2 cap for 18-to-24-year-olds, have been live since 2025. Game design rules ban features that let players speed up results, in force since January 2025. What has not changed is the mathematics. A slot's RTP is coded into the game, and no session, no streak and no "hot" or "cold" label changes it.

The RTP spread across UK-licensed slots is wider than the marketing suggests. Book of 99, Money Train 2, Marching Legions and 1429 Uncharted Seas clear 98% in some configurations. Starburst sits at 96.09% with low volatility and a modest top win — which is exactly why it remains the standard first slot. Book of Dead and Big Bass Bonanza sit in the mid-96% band with higher volatility. Mega Moolah, the progressive jackpot flagship, runs at 93.42% because the jackpot contribution comes out of the RTP. None of these numbers are secrets. The question is whether the operator surfaces them before you deposit.

The best UK slot sites publish RTP data and stock a high proportion of games at maximum payout settings. Ladbrokes, which topped the Standard's October 2026 slot-site rankings, is one example of that transparency. Library size is a weaker signal: Mr Vegas and Mega Riches cite catalogues exceeding 10,000 titles, but search tools and RTP labelling matter more to a regular player than raw volume.

Roulette and blackjack: house edge is not negotiable

Roulette and blackjack attract a different kind of player — one who wants to understand the edge rather than chase a bonus round. The house edge on European roulette is 2.7% on a single-zero wheel. American roulette doubles the zero and the edge to 5.26%. Blackjack is a skill-adjacent game where basic strategy can reduce the house edge to roughly 0.5% on a favourable rule set, but the operator's table rules — whether the dealer hits or stands on soft 17, whether doubling after split is allowed, whether surrender is offered — decide the exact number.

Bet365 runs three blackjack tables with a quoted house edge of 0.45–0.60%, according to one comparison. William Hill and 888casino run standard variants with less favourable published edges. The practical advice is the same as it has been for decades: learn basic strategy, play European roulette over American, and do not try to clear a slots-weighted bonus at a blackjack table unless the terms explicitly allow it. The table games are not where the bonus value lives. They are where the low-edge play lives, and those are different things.

Live casino: the studio arms race

Live dealer is the vertical where the product experience has improved most visibly. Playtech and The Hippodrome Casino launched "Live from London" in September 2026, broadcasting Dual Roulette, Studio Core Roulette, Blackjack and Baccarat from inside the Leicester Square venue. Stakelogic Live partnered with Hollywoodbets UK in May 2026 to bring its table-game portfolio and game-show experiences to the UK market. Evolution remains the dominant studio supplier across the major UK operators, with Playtech the main alternative.

The live lobby is not a separate licence category. A single remote operating licence covers desktop, mobile and live dealer channels, and the licence number must appear in the footer of every legitimate site. What differs is the table range. Bet365's live tables run from £1 to £10,000; William Hill's run from £1 to £5,000. For a player who wants a £1 minimum and a real dealer rather than an RNG, the live lobby is the closest thing to a physical casino floor that a regulated UK product offers — minus the overpriced drinks and the carpet that has seen things.

Payments and withdrawal speed

Depositing £50 takes seconds. Withdrawing £50 can take hours or days. That gap confuses players, but it is usually part of the process rather than a scam. Withdrawal speed depends on three factors: the casino's approval system, UKGC regulatory requirements and the payment method you choose.

The three-stage payout process nobody explains

Every withdrawal follows the same flow. You submit a request. The casino reviews and approves it — this is the time-consuming step. The payment provider processes the transfer. The funds arrive. If your account is already verified, approval can take minutes. If it is not, it can take 24 to 48 hours regardless of the payment method used. The "instant withdrawal" claims you see in marketing almost always refer to instant approval, not instant arrival in your bank account.

This is where the distinction between a good cashier and a bad one becomes visible. An operator that approves withdrawals in 10 to 45 minutes during working hours — MrQ, PlayOJO, Casumo and Pub Casino sit in this bracket — is choosing to prioritise the cashier. An operator that sits on requests for 24 hours is not constrained by infrastructure. It is choosing to be slow, or it is using the pending window as a last-chance reversal opportunity.

E-wallets, debit cards and open banking compared

E-wallets are consistently the fastest route. PayPal, Skrill and Neteller typically clear within 5 to 30 minutes after approval, at most a few hours, because the funds move inside a closed-loop financial network rather than through card clearing or interbank settlement. Open banking and instant bank transfers such as Trustly are increasingly competitive, typically arriving within minutes to 2 hours because they use real-time payment rails. Debit cards take 4 to 24 hours after approval. Traditional bank transfers are the slowest, usually 1 to 3 working days because they pass through interbank clearing cycles that pause at weekends and overnight.

The payment-method restriction is where some welcome offers fall apart. Several operators exclude e-wallets like PayPal and Skrill from qualifying deposits for bonus purposes, which means the fastest withdrawal route is also the route that disqualifies you from the promotion. Read the terms before you deposit, not after.

How we ranked these casinos (methodology)

The ranking above is not a popularity contest. It is a weighted assessment of six criteria, and the weighting reflects what actually affects a player's money rather than what looks good in a comparison table.

UKGC licence status is a binary filter, not a score. An operator without a remote casino operating licence from the Gambling Commission does not enter the list, regardless of its bonus size or game library. Payout speed is weighted heavily because a bonus you cannot withdraw is a number on a screen, not money. We use published processing windows and player-reported timings, not marketing claims about "instant" payouts. Bonus terms are assessed on effective value: wagering multiple, game weighting, maximum withdrawal cap and expiry window. A £100 bonus with 10x wagering and a £50 cap is worth less than a £30 bonus with no wagering and no cap, and the ranking reflects that.

Game library depth and RTP transparency are scored together. A catalogue of 10,000 games means little if the RTPs are buried. An operator that publishes RTP data and stocks high-RTP variants scores higher than one that leads with volume. Cashier friction covers verification speed, payment-method restrictions and the clarity of the withdrawal process. Track record is a qualitative assessment of licence continuity and regulatory history. An operator that has held a licence without a public enforcement action is not automatically better than one that has been fined, but the pattern matters.

What is not in the methodology: affiliate commission, brand recognition and the size of the welcome bonus. Those things influence a lot of rankings. They did not influence this one.

New UK online casinos in 2026

The pace of new UK casino launches slowed in 2026, and the reason is arithmetic. When Remote Gaming Duty doubled to 40%, the margin on a new brand's welcome offer compressed at exactly the moment the brand needed acquisition volume. New entrants in 2026 include Bet Ahoy, BetCrown, Quickbet, Betsuna and Hippodrome Casino's online product, but the wave is smaller than the pre-tax-change cycle.

New does not mean better, and it does not mean worse. A new brand with a UKGC licence has passed the same baseline checks as a legacy operator. What it lacks is a track record on two things that matter: cashier behaviour under pressure and the willingness to honour withdrawals after a player has won more than the welcome bonus. The sensible approach with a new UK casino is the same as with a new restaurant: try it with a small deposit, withdraw once before you deposit again, and see how the process feels. If the first withdrawal takes three days and a stack of document requests, the second one probably will too.

The established operators have their own version of this problem — legacy platforms, older verification queues, bonus terms written before the 2026 cap — but the track record is public. With a new brand, you are the track record.

Responsible gambling: the tools that actually matter

Every UK-licensed casino must offer deposit limits, loss limits, session reminders and self-exclusion, and must display them clearly. The tools are not uniform in quality. A deposit limit that takes 24 hours to activate is less useful than one that applies immediately. A session reminder that you can dismiss with one tap is less useful than a mandatory cool-off.

The most important tool is GAMSTOP, which allows you to exclude yourself from every UK-licensed online gambling site and app with a single registration. It is not a casino-specific setting. It is a market-wide block, and it is the closest thing the UK system has to a single off switch. The second most important tool is the total deposit limit, which from 30 September 2026 must be based solely on the amount a player deposits over a given period, without deducting withdrawals. That change matters because it closes the old loophole where a player could deposit £500, withdraw £400 and still be treated as having deposited only £100 for limit purposes.

Financial vulnerability checks are now triggered at £150 net deposits in a rolling 30-day period, and enhanced financial risk assessments are in a post-pilot phase. These checks are friction by design. They are also the reason the UK market has not seen the kind of mass player-protection failures that have made headlines in less regulated jurisdictions. The price of a functioning safety net is that it occasionally catches people who did not need catching. That is a better failure mode than the alternative.

Frequently asked questions

Are online casinos legal in the UK in 2026?

Yes, provided the operator holds a remote casino operating licence from the UK Gambling Commission. Unlicensed offshore sites that accept UK players are operating illegally, and players' funds and rights on those platforms are not protected by UK law. The UKGC publishes its licence register, and every legitimate site displays its licence number in the footer.

What is the best paying online casino in the UK?

"Best paying" depends on whether you mean RTP, payout speed or bonus value. William Hill and Betfred have published average RTP figures in the 95.6% to 98.58% range, but those are averages compiled by third parties, not audited results. For payout speed, Bet365 and William Hill consistently clear e-wallet withdrawals within a few hours. No operator has a permanent edge on "paying" — the house edge is built into the games, not the brand.

How fast do UK online casinos pay out?

A fully verified account withdrawing to an e-wallet can expect funds within 5 to 30 minutes after approval at the fastest operators. Debit card withdrawals typically take 4 to 24 hours after approval, and bank transfers take 1 to 3 working days. The approval step is the bottleneck: it can take minutes if you are verified, or 24 to 48 hours if you are not.

What is the minimum deposit at UK online casinos?

Most UK-licensed casinos cluster their minimum deposit at £5 or £10. A few, including 32Red and Pub Casino, offer £3 or £5 floors on selected payment methods. The minimum deposit and the minimum withdrawal are separate numbers, and a low deposit floor with a high withdrawal floor is not a genuine low-stakes offer.

Do UK online casinos offer no-deposit bonuses?

Genuine no-deposit free spins survive in a small corner of the licensed market, concentrated among Jumpman Gaming white-label brands such as Pink Riches and Millionaire Games. These offers typically require debit-card verification, carry 10x wagering on winnings and cap withdrawals at £50. The UKGC banned genuine no-deposit sign-up bonuses for licensed operators in 2018, and the ban still shapes the market in 2026.

Which UK online casino has the best slots?

Bet365 has the deepest catalogue, with more than 2,300 titles. Sky Vegas is the most slots-focused of the major brands. Ladbrokes topped the Standard's October 2026 slot-site rankings on the strength of RTP transparency and welcome-offer value. The "best" slot site is the one that publishes RTP data and stocks the high-RTP variants of the games you actually play, not the one with the largest headline library.

Can I play at a UK online casino on my phone?

Yes. A single UKGC remote operating licence covers desktop, mobile browser and native app channels. Bet365, William Hill, Sky Bet and Ladbrokes all run app-first ecosystems, and pure casino apps such as LeoVegas and MrQ are built for mobile. The RTP and house edge do not change because you are on a phone — only the speed and convenience of depositing changes.

What happens if a UK casino refuses to pay out?

You can escalate to the operator's internal complaints process first, which typically takes up to eight weeks. If that fails, you can take the complaint to the operator's independent ADR provider. If the casino refuses to engage with the ADR process, that is itself a licence breach and can be reported to the Gambling Commission, which investigates patterns and can fine, suspend or revoke the licence.

Is it worth claiming a welcome bonus at a UK casino?

It depends on the terms, not the headline number. A no-wagering free-spin offer is worth more to most players than a large deposit match with 10x wagering and a low maximum withdrawal cap. Before claiming any offer, check the wagering multiple, the game weighting, the maximum withdrawal, the expiry window and whether your preferred payment method qualifies. If any of those five numbers is unclear, the offer is not worth the time.