Best Online Casinos for Real Money 2026

Full-pay Deuces Wild video poker returns 100.76% RTP with optimal strategy – that’s theoretically positive EV. Most casinos don’t offer full-pay tables, but when they do, I play nothing else until the game disappears or the wagering is cleared. The strategy is complex (12-tier decision tree vs. 5-tier for Jacks or Better), but it’s learnable in a weekend.

The mobile app is polished and responsive, making it easy to switch between sports betting and casino play. Withdrawals typically process within 24 hours to most payment methods, which is above average for the industry. France permits online poker and sports betting under ARJEL regulation but restricts online casino slots and table games for French-licensed operators. German players seeking the besten online casinos under local law compare BetMGM.de, PokerStars Casino.de, and bet-at-home – all federally licensed. International platforms are widely used by German players seeking broader game selection.

High rollers get unlimited deposit match bonuses, higher match percentages, monthly free chips, and access to the elite Jacks Royal Club. Ducky Luck Casino welcomes you with a powerful 500% bonus up to $7,500 and 150 free spins. Enjoy a vast library of slots and table games from trusted providers. Licensed and secure, it offers fast withdrawals and 24/7 live chat support for a smooth, premium gaming experience. An online casino is a digital platform where players can enjoy casino games such as slots, blackjack, roulette, and poker over the internet.

• You watch a physical card being dealt or a real roulette wheel being spun in real time.
• For high-volatility players, loss-back is the most genuinely valuable bonus type.
• An online casino is a digital platform that lets you play casino games — such as slots, blackjack, roulette, and live dealer games — via a website or mobile app.
• Full-pay Deuces Wild video poker returns 100.76% RTP with optimal strategy – that’s theoretically positive EV.
• Every site in this list is optimised for mobile play, though the experience varies between those that offer a dedicated app and those that rely on a mobile browser.
• Some platforms offer self-service options in the account settings.
• If a site falls short on several points, we won’t recommend it to you.
• Two games can both be called “Jacks or Better” but have completely different RTPs depending on whether they pay 9/6, 8/5, or 7/5 for Full House and Flush respectively.
• The RTP (Return to Player) and payout rate can tell you a lot about how player-friendly a casino is.
• The welcome offer scores up to $3,750 in crypto bonuses – one of the most straightforward bonus packages available, with no confusing multi-deposit structures.
• Most online casinos offer several ways to contact customer support, including live chat, email, and phone.
• JacksPay is a US-friendly online casino with 500+ slots, table games, live dealer titles, and specialty games from top providers including Rival, Betsoft, and Saucify.
• This substantial starting boost lets you explore real money tables and slots with a reinforced bankroll.

Slots And Casino offers a robust 300% match welcome bonus up to $4,500 plus 100 free spins. Slots And Casino features a massive library of slot games and ensures fast, secure transactions. We’ve reviewed NOT 20, 50, or the top 100 sites; we went through 203 online casinos licensed in the UK by the UK Gambling Commission. Below is the full list of trusted places to gamble for real money, with a short description of each brand and a note on what they’re best known for.

• The most important factor is a valid UK Gambling Commission licence, which you can verify on the UKGC website.
• I’ve reviewed casinos long enough to understand that the math guarantees losses over time for most players.
• The poker room runs the highest anonymous table traffic of any US-accessible site – which matters because anonymous tables eliminate tracking software and level the playing field.
• Always read the bonus terms to understand wagering requirements and eligible games.
• Every non-live casino game uses a Random Number Generator – a certified software algorithm producing billions of numbers per second.
• If you have a complaint, first contact the casino’s customer support to try to resolve the issue.
• Share your experience-help others find the best online casino.

What is RTP and why does it matter?

They help you understand game style, features and volatility without depositing. Apps often give quicker access, push alerts, and sometimes app-only promos; browsers are fine if you prefer not to install anything. UKGC rules require age/ID/address checks to prevent underage play and fraud.

• Bally Casino has made a strong impression since launching in the UK market, particularly for players drawn in by its no-deposit free spins offer.
• Learn the casino first, then decide if a bonus makes sense on your next deposit.
• The site skews towards sports fans who also enjoy casino play, and the cross-promotion between the two products is done tastefully.
• Betfred Casino is our current #1 because it gives most UK players the strongest balance of trust checks, game choice, payments and offer clarity.
• Return to player (RTP) is a theoretical percentage indicating how much of all money staked on a game is paid back to players over time.
• Free play is a great way to get comfortable with the platform before making a deposit.
• A percentage of net losses returned – 5–20%, weekly or monthly.
• A slot with 97% RTP returns $97 for every $100 wagered in the long run – the remaining $3 is the house edge.
• I’ve seen $100 no-deposit bonuses with a $50 maximum cashout – the bonus value is literally capped below its face value.
• The platform runs in-browser without installation, offers 24/7 live chat and toll-free phone support.
• Many casinos highlight their top slots in special sections or promotions.
• We also provide advice on setting limits, self-exclusion, and where to get help if gambling stops being fun.

Wild Casino

In 2026, typical ranges are $5–$30 in bonus cash or 20–200 free spins. Maximum cashout caps (usually $50–$200) are as important as the wagering requirement. I’ve seen $100 no-deposit bonuses with a $50 maximum cashout – the bonus value is literally capped below its face value.

Our top 10 list is reserved for the most established and trusted casino brands, including Bet365, William Hill, Betfred, Ladbrokes, Unibet and Betway. We surveyed 4721 site visitors throughout 2026 and asked them to pick their three favourite online UK casinos.Bet365, BetFred, and 10bet were the most popular choices. Share your experience-help others find the best online casino. Every casino claiming certified fair play should have a downloadable audit certificate from eCOGRA, iTech Labs, BMM Testlabs, or GLI. Find it in the footer, the About page, or the Responsible Gaming section. Open the PDF – a real certificate has the auditor’s letterhead, the specific casino domain, the date range covered, and a certificate number you can verify on the auditor’s website.

Best overall: Betfred Casino

Use limits, slower decisions and safer gambling tools as part of the casino choice. Compare wagering, expiry, eligibility and cashout rules before treating any offer as value. Put UKGC status, company details and payment trust signals before bonus excitement. Sure, we consider other aspects of the site, including responsiveness and design, but the above eight points are non-negotiables.

There might be more hundreds and hundreds of licensed operators offering real-money games, yet the best online UK casinos make up a much smaller, more reliable group. GamblingChooser provide trusted online casino rankings, expert reviews, and helpful guides to help players choose safe and reliable platforms. Yes, many online casinos allow you to open several games in different browser tabs or windows. This can be a fun way to try new games or increase your chances of winning. However, it’s important to keep track of your bets and play responsibly.

All operators listed hold a UK Gambling Commission licence. New customer offers — T&Cs apply, full terms via each site’s link. I bet no more than 1% of my session bankroll per spin or per hand. This gives me at minimum 100 spins – in practice far more, since I don’t lose 100% on every spin. Since April 2020, the UKGC has banned the use of credit cards for online gambling. You can deposit using debit cards (Visa, Mastercard), e-wallets like PayPal, prepaid cards like Paysafecard, or bank transfer.

Can I play multiple games at the same time in an online casino?

Getting the most from your online casino experience is as much about good habits and informed choices as it is about luck. These tips apply whether you are new to online casino play or have been doing it for years. The UK Gambling Commission is the one keeping casinos in check. For one, in the UK, the gambling rules are clear, with proper regulation that keeps things legit.

The casino side of the welcome is $1,500 at 25x wagering – meaning $37,500 in total bets to clear. At 96% median RTP, your expected loss during that playthrough is approximately $1,500. So you’re essentially playing through the bonus for free, with any winning runs being upside. I clear it on high-RTP, low-volatility titles like Blood Suckers rather than progressive jackpots.

If the certificate link returns a 404 or redirects to the casino homepage, that certification is fabricated. Keep limits realistic and seek support if gambling stops feeling controlled. Quick payouts, low fees, and a solid lineup of UK-friendly payment options – that is what we are looking for. The RTP (Return to Player) and payout rate can tell you a lot about how player-friendly a casino is.

• Most online casinos provide tools for setting deposit, loss, or session limits to help you control your gambling.
• Yes, many online casinos offer demo or free play modes for most of their games.
• The top live casino section features brands known for strong dealer-game selections, including Bet365, 888, Unibet, BetVictor and Videoslots.
• If you’ve played online casino games before and you’re looking for sharper edges, these are the tactics I actually use – not generic advice you’ve read a hundred times.
• BetRivers’ first-24-hours lossback at 1x wagering is the most player-friendly bonus structure I’ve found among licensed US operators.
• Every non-live casino game uses a Random Number Generator – a certified software algorithm producing billions of numbers per second.
• Cafe Casino provide fast cryptocurrency payouts, a large game library from top providers, and 24/7 live support.
• Many of the casinos featured specialise in slot games, with standout names including Videoslots, Spingenie, Slotnite, Prime Slots and Megaways Casino.
• This gives me at minimum 100 spins – in practice far more, since I don’t lose 100% on every spin.
• TalkSPORT BET Casino carries the credibility of the UK’s most listened-to sports radio station into the online gambling space.
• Debit cards may take 2–3 days, while bank transfers can take up to 5 days.
• You can usually resume where you left off once you reconnect.
• As for payouts, it’s reasonable to expect your winnings to land in your account within one to three days, depending on the method you use.

Withdrawal Timing for Fastest Processing

Registering at an online casino usually involves filling out a simple form with your personal details and creating a username and password. You may need to verify your email address or phone number to activate your account. Some casinos also require identity verification before you can make deposits or withdrawals. If you’ve played online casino games before and you’re looking for sharper edges, these are the tactics I actually use – not generic advice you’ve read a hundred times.

The UK market is tightly regulated, but unlicensed and rogue operators do exist — particularly sites that target UK players without holding a valid UKGC licence. Knowing what to look for protects both your money and your personal data. If you are asked to provide documents and experience a delay, contact the site’s customer support team via live chat for the fastest resolution. We work with top UK casinos and bookmakers to bring you exclusive deals—whether it’s free spins, deposit matches, or no-risk bets. But not when it has hidden terms or impossible-to-meet wagering requirements. That is why we break down every promo and tell you which offers are worth grabbing.

Online Casino Australia

BetRivers’ first-24-hours lossback at 1x wagering is the most player-friendly bonus structure I’ve found among licensed US operators. Wild Casino’s no-rollover promo spins deliver similar value. Mobile-optimised websites accessed through a browser are the more common approach among newer operators. Sites like Bally Casino and NRG Casino have invested heavily in their browser-based mobile experience, and the difference in quality compared with a dedicated app is minimal for most players. The top live casino section features brands known for strong dealer-game selections, including Bet365, 888, Unibet, BetVictor and Videoslots. Online casinos are booming in Britain, but only a small fraction are genuinely worth your time.

How We Choose Online Casinos

Return to player (RTP) information is clearly displayed on each game, which is a genuine plus for transparency. New players are welcomed with a 245% Match Bonus up to $2200, one of the most competitive deposit bonuses in its market segment. The platform runs in-browser without installation, offers 24/7 live chat and toll-free phone support. I never play live dealer games while clearing bonus wagering.

Start with slots – specifically low-volatility slots with RTP above 96%. They pay out small amounts frequently, which keeps your balance alive long enough to actually learn the platform and understand how bonuses work. Blood Suckers by NetEnt (98% RTP) and Starburst (96.1% RTP) are my top recommendations for first-session play.

Exploit the Deuces Wild RTP Anomaly

If you play at an unlicensed site or a betting site that is licensed offshore, you don’t have any recourse in the UK if something goes wrong. So, if you only take one piece of casino online spindog our advice, make it this – only ever play at casinos licensed by the UK Gambling Commission. If you suspect your casino account has been hacked, contact customer support immediately and change your password.

Online Casino Real Money USA: The Full Picture for American Players

Licensed PA operators like BetMGM and FanDuel have deep game libraries and fast processing. The choice comes down to personal preference – game selection, bonus structure, and which platform you’ve had the best experience with. BetMGM PA and FanDuel PA have the deepest game libraries in the state. All three offer a full live dealer suite via Evolution Gaming. Australia’s Interactive Gambling Act (2001) prohibits Australian-licensed real-money online casinos but does not criminalize Australian players accessing international sites.

If you see anything less than 9 for Full House and 6 for Flush on JoB, find a different game. You’re paying a lottery premium (the difference between 88% base and the effective RTP including jackpot) without that premium counting toward clearing your bonus. For pure bonus wagering, jackpot slots are among the worst choices available. I play Mega Moolah occasionally with small recreational bets for the jackpot shot – never with bonus funds. A percentage of net losses returned – 5–20%, weekly or monthly. For high-volatility players, loss-back is the most genuinely valuable bonus type.

Types of Online Casino Bonuses

At most online casino sites, live tables contribute 0–10% toward playthrough requirements – a $100 live blackjack bet clears only $10 of wagering. Clear your bonus on 96%+ RTP slots first, then move to live games with your unrestricted cash balance. This single rule probably saves me $200–$300 per year in unnecessary expected losses during bonus grind sessions. Wild Casino has been my top recommendation for US players for over two years running, and the 2026 experience confirms why. The game library has grown to over 1,900 titles across 20+ providers – including 1,500+ slots and 75 live dealer tables. Crypto withdrawals in my testing consistently cleared in under three hours for Bitcoin, with a maximum per-transaction limit of $100,000 and zero withdrawal fees.

At licensed US casinos, withdrawals submitted between 9am and 3pm EST on weekdays process fastest – these are core banking hours for payment processors. Weekend submissions at most platforms queue for Monday morning processing. At crypto casinos, timing is irrelevant – blockchain doesn’t keep business hours. For fiat withdrawals (bank wire, check), submit on Monday morning to hit the week’s first processing batch rather than Friday afternoon, which often rolls to the following week.

Best Online Casino Bonuses: What Real Value Looks Like

Verified figures (year founded, owner, game counts) are included only where they’re publicly established — for the rest, the linked review has the up-to-date details. Over 70% of real money casino sessions in 2026 happen on mobile. Pays often, burns bankrolls slowly, gives you time to get comfortable with the interface. The most widely available slot at any online casino – and its expanding wild re-spins are genuinely entertaining without being confusing. Once you’ve learned the basic strategy chart (freely available online and legal to reference while playing), this is the best-value game in the entire casino.

• Blood Suckers by NetEnt (98% RTP) and Starburst (96.1% RTP) are my top recommendations for first-session play.
• Keeping records of your communications can help resolve disputes more efficiently.
• Sub-96% games are for entertainment-only budgets, not serious play.
• A $2 scratch card is legitimate recreational spending for the same reason a $2 lottery ticket is.
• Slots And Casino offers a robust 300% match welcome bonus up to $4,500 plus 100 free spins.
• Secure and straightforward, it’s a solid choice for players seeking a substantial start.
• We expect the turnaround time for email to be within hours, but the live chat support should be instant and available 24/7.
• Whether after a big casino night, a few spins on the slots, or a punt on the horses, Casino UK has all the expert advice, reviews, and offers you need.
• Once you’ve learned the basic strategy chart (freely available online and legal to reference while playing), this is the best-value game in the entire casino.
• A top UK online casino for anyone who loves high-quality slot play.
• The first 20 casinos on our list feature many of the UK’s best-rated sites, including Bet365, 32Red, Unibet, Mr Green and PlayOJO.
• Live dealer games stream a real human dealer from a professional studio via HD video.
• Online casino slots account for the majority of all real money wagers at every top casino site.
• Understanding the house edge, mechanics, and optimal use case for each category changes how you allocate your session time and real money bankroll.

William Hill Vegas – A Household Name with Premium Casino Credentials

An online casino is a digital platform that lets you play casino games — such as slots, blackjack, roulette, and live dealer games — via a website or mobile app. Unlike land-based casinos, online sites are accessible 24/7 and typically offer thousands of games alongside welcome bonuses and ongoing promotions. William Hill Vegas is one of the most recognisable names in UK gambling, and its online casino arm lives up to the brand’s reputation. The platform hosts over 1,000 slots from top suppliers including Pragmatic Play and Evolution, alongside a strong live casino lobby with dedicated blackjack and roulette tables.

Customer Support

Tribal stakeholders remain divided on a path forward, and most industry observers now put 2028 as the earliest realistic window for any legal online gambling in California. With so many options out there, it’s fair to ask how you actually pick the best one. It’s about spotting a site that suits your playing style and doesn’t muck about when it comes to fairness, withdrawals, or support.Wondering what to keep an eye on?

Deposit and wager £10 for 100 cash spins (at 10p)

Unfortunately, most UK online casinos today don’t offer phone support. It’s more common to see email support and a live chat feature at most casinos. We expect the turnaround time for email to be within hours, but the live chat support should be instant and available 24/7. Before choosing an online casino, check which payment methods you can use.

Once you’re in, the lobby is packed with hundreds of slots and quality table games. RTP stands for Return to Player and represents the percentage of all wagered money a game will pay back to players over time. It’s important to check the RTP of a game before playing, especially if you’re aiming for the best value.

Bovada is a licensed online gaming site, regulated by the Union of the Comoros and the Central Reserve Authority of Western Sahara. It offers a complete sportsbook, casino, poker, and live dealer games for U.S. players. Start with their welcome offer and score up to $3,750 in first-deposit bonuses. The majority of UK players now access online casinos primarily through a smartphone or tablet. Every site in this list is optimised for mobile play, though the experience varies between those that offer a dedicated app and those that rely on a mobile browser.

Take 20 minutes to memorize the basic decisions – it pays off for life. Though Bet365 doesn’t have as many games as some of its competitors, all the top studios are represented here, including Pragmatic Play and NetEnt. Here, British Gambler ranks the safest UK online casinos for 2026. Compare UKGC-licensed sites by bonus value, withdrawal speed, slot library and live dealer quality.

• Start with their welcome offer and score up to $3,750 in first-deposit bonuses.
• Processing times vary by method, but most reputable casinos process withdrawals within a few business days.
• Betfred Casino is our current #1 because it gives most UK players the strongest balance of trust checks, game choice, payments and offer clarity.
• Open the PDF – a real certificate has the auditor’s letterhead, the specific casino domain, the date range covered, and a certificate number you can verify on the auditor’s website.
• That said, established casinos with longer track records give some players extra reassurance.
• Learn the casino first, then decide if a bonus makes sense on your next deposit.
• This is one of the few online casinos in the UK to offer cashback – up to 10% on your weekly losses.
• Online casino bonuses often come in the form of deposit matches, free spins, or cashback offers.
• Many casinos highlight their top slots in special sections or promotions.
• We only recommend sites licensed by the UK Gambling Commission (UKGC).
• It’s not the deepest lobby you’ll ever scroll, but it’s a polished choice when you value speed, simplicity, and a trusted brand experience—especially if you like mixing slots with live tables.
• We are players, and that’s what makes our reviews unbiased.
• We’d much rather see a solid lineup of 1,000 games from top studios like Pragmatic Play, Evolution, NetEnt, Games Global, and Play’n GO than 5,000 games from developers we’ve never heard of.

Australians widely use international platforms, with PayID becoming the dominant deposit method in 2025–2026. On this website, I have compiled a list of the best real money online casinos. My selection is based on my personal experience as well as user reviews found across the internet, including forums, social media platforms, and review websites.

Whether after a big casino night, a few spins on the slots, or a punt on the horses, Casino UK has all the expert advice, reviews, and offers you need. As for payouts, it’s reasonable to expect your winnings to land in your account within one to three days, depending on the method you use. E-wallet withdrawals are usually the quickest – you can expect your funds within 24 hours.

Online casinos offer a wide variety of games, including slots, table games like blackjack and roulette, video poker, and live dealer games. Many platforms also feature specialty games such as bingo, keno, and scratch cards. The selection is constantly updated, so players can always find something new and exciting to try. Bet365 Casino benefits from the same infrastructure that makes its sportsbook one of the most used in the UK — a slick platform, fast payments, and 24/7 customer support. The casino section offers hundreds of slots and table games alongside a live dealer suite powered primarily by Evolution. The integration between casino and sports betting is seamless, making it a strong all-rounder for players who enjoy both.

They’re faster, keep you logged in, and often include exclusive bonuses you won’t find in a browser. I highly recommend Grosvenor if you’re looking for an outstanding live casino in the United Kingdom. You can play blackjack and roulette live-streamed from London’s Grosvenor Casino, while online favourites like Crazy Time from Evolution are also available.

Bally Casino – Fresh Brand, Strong Slots Offer, and a No-Deposit Bonus

These casinos use advanced software and random number generators to ensure fair outcomes for every game. Players can register, deposit funds, and play for real money or for free, all from their desktop or mobile device. Pennsylvania players have access to both licensed state operators and the trusted platforms in this guide.

• Many casinos highlight their top slots in special sections or promotions.
• Free play is a great way to get comfortable with the platform before making a deposit.
• To choose a trustworthy online casino, look for platforms with strong reputations, positive player reviews, and partnerships with leading software providers.
• You request a withdrawal through the casino’s Cashier section, select your payment method, enter the amount, and submit.
• Return to player (RTP) is a theoretical percentage indicating how much of all money staked on a game is paid back to players over time.
• I’ve seen $100 no-deposit bonuses with a $50 maximum cashout – the bonus value is literally capped below its face value.
• I play Mega Moolah occasionally with small recreational bets for the jackpot shot – never with bonus funds.
• £25+ on slots and Get 80Free Spins – Sign Up using the Promo Code nrg80 and make a minimum deposit of £25.
• The platform runs in-browser without installation, offers 24/7 live chat and toll-free phone support.
• Learn the casino first, then decide if a bonus makes sense on your next deposit.

Debit card withdrawals usually take one to three working days. Most of the casinos in this list process the majority of withdrawals within 24 hours. Bally Casino has made a strong impression since launching in the UK market, particularly for players drawn in by its no-deposit free spins offer. The site focuses heavily on slots, with a well-curated library from respected providers, and its interface is clean and easy to navigate on both desktop and mobile. Bally’s loyalty programme rewards regular players with cashback and bonus spins, which adds genuine long-term value beyond the welcome offer. It’s a newer name, but it’s backed by a well-capitalised operator and feels every bit as polished as longer-established rivals.

You can usually resume where you left off once you reconnect. For live dealer games, the outcome is determined by the casino’s rules and your last action. To withdraw your winnings, visit the cashier section and select the withdrawal option. Choose your preferred payment method and enter the amount you wish to withdraw. Processing times vary by method, but most reputable casinos process withdrawals within a few business days.

• Check for secure payment options, transparent terms and conditions, and responsive customer support.
• We like to see between five and ten payment methods supported at UK online casinos.
• Keep limits realistic and seek support if gambling stops feeling controlled.
• For example, a £50 bonus with 30x wagering means you would need to place £1,500 in qualifying bets before cashing out.
• The casino side of the welcome is $1,500 at 25x wagering – meaning $37,500 in total bets to clear.
• Reading expert reviews and comparing several casinos can help you make the best choice.
• Always read the paytable before playing – it’s the grid of payouts in the corner of the video poker screen.
• If a casino’s name keeps popping up for at least one wrong reason, we do not even think of recommending it.
• Lucky Creek casino provides a vast selection of premium slots and reliable payouts.
• Players looking for simple bonus terms will find well-known no-wagering brands such as PlayOJO, Mr Q and All British Casino among our highest-rated picks.
• You can deposit using debit cards (Visa, Mastercard), e-wallets like PayPal, prepaid cards like Paysafecard, or bank transfer.
• E-wallets such as PayPal or Skrill usually process within 24 hours.

The most important factor is a valid UK Gambling Commission licence, which you can verify on the UKGC website. UKGC-licensed casinos are required to segregate player funds, offer responsible gambling tools, and adhere to strict fairness standards. Bet365 and William Hill Vegas both offer well-regarded apps that closely match the desktop experience. We make it easy to find the best places to play online and on the high street.

• Playing without a bonus means your entire balance is real money, withdrawable at any time, with no wagering strings attached.
• So you’re essentially playing through the bonus for free, with any winning runs being upside.
• Wild Casino has been my top recommendation for US players for over two years running, and the 2026 experience confirms why.
• We work with top UK casinos and bookmakers to bring you exclusive deals—whether it’s free spins, deposit matches, or no-risk bets.
• Start with their welcome offer and score up to $3,750 in first-deposit bonuses.
• There might be more hundreds and hundreds of licensed operators offering real-money games, yet the best online UK casinos make up a much smaller, more reliable group.
• Processing times vary by method, but most reputable casinos process withdrawals within a few business days.

Live dealer games stream real casino action to your device, with professional dealers managing the tables in real time. You can interact with the dealer and other players through a chat feature. These games offer an immersive experience that closely replicates playing in a physical casino. If you lose your internet connection during a game, most online casinos will save your progress or complete the round automatically.

Most casinos have security protocols to help you recover your account and secure your funds. It’s also a good idea to enable two-factor authentication for added protection. The dominant supplier is Evolution Gaming, which operates studios across Europe, North America, and Asia under MGA and UKGC licenses.