Key takeaways
- Three ratings: not protected, medium, high.
- The casino rates itself and must tell you.
- 'Not protected' still means funds are kept separate.
- Do not leave large balances idle.
In shortEvery UK casino that holds customer money must state one of three ratings: not protected (funds kept separate, but not safe in insolvency), medium protection or high protection.
The three ratings
| Rating | What it means |
|---|---|
| Not protected: segregation | Customer funds are held apart from company funds but would form part of the business's assets if it became insolvent. The minimum for online operators. |
| Medium protection | Funds are held apart and arrangements, such as insurance, exist to return them to customers on insolvency. |
| High protection | Funds are held in a formal trust account, independently verified and controlled. |
As set out by the Gambling Commission, checked 8 October 2026. The lowest rating was called "basic" until it was renamed.
Finding a casino's rating
- Open the casino's terms and conditions.
- Search for 'protection of customer funds' or 'insolvency'.
- Read the rating and the explanation beside it.
- You are also shown it when you first deposit.
A self-assessment
The operator applies the rating to itself; the Commission does not approve it. Operators with a "not protected" rating must remind customers every six months that their funds are not protected.
Our five
We have not read each casino's stated rating, so we label this check "not checked". Look it up before you deposit.
At five casinos
| Casino | Evidence | Detail |
|---|---|---|
| Coral | Not checked | Stated in the casino's terms; we have not read the rating |
| Ladbrokes | Not checked | Stated in the casino's terms; we have not read the rating |
| PlayOJO | Not checked | Stated in the casino's terms; we have not read the rating |
| Casumo | Not checked | Stated in the casino's terms; we have not read the rating |
| 10bet | Not checked | Stated in the casino's terms; we have not read the rating |
Keep reading: Ladbrokes Casino: trust report, Fake licences and clone sites, Trusted slots sites UK and Are online casinos rigged?.
Go further: Trusted jackpot slots sites UK, Trusted mobile casino bonuses UK and Source of funds checks.
More to read: Mobile casinos UK and Apple Pay casinos UK.
Also: Best casino bonuses UK.
Two details worth knowing
Money staked on bets that have not yet settled is not counted as customer funds, so it sits outside whatever protection the operator has. And even medium protection is not an absolute guarantee: the regulator says so in its own guidance.
Sources
- The customer funds insolvency ratings system, Gambling Commission guidance
- What happens to your money if a gambling business goes bust, Gambling Commission guide for the public
- Licence condition 4.2.1: disclosure to customers, Gambling Commission
A five-minute routine before you deposit
Confirm the operator on the public register. In the terms, find the customer funds rating and the dispute resolution service. Read the welcome offer's wagering, deadline and payment exclusions, or decide to decline it. Set a deposit limit. Verify your identity. Five minutes, once per casino, removes most of the ways an account goes wrong.
Two things to check for yourself
We have not confirmed two items for any of the five casinos, and both are in the casino's own terms. The first is the customer funds rating: search the terms for 'insolvency' and you will find 'not protected', 'medium protection' or 'high protection'. The second is the dispute resolution service: search for 'dispute' or 'ADR' to find the independent body that hears complaints the casino has not resolved. Both take about a minute.
Choosing between licensed casinos
Once the licence is confirmed, choose on what you will actually use. For slots, look at the size of the library and the return-to-player settings. For tables, look at the live studios and the rules on each table. For offers, read the wagering, the deadline and the payment exclusions. For payments, check that your method is listed and how quickly verified customers are reported to be paid. Then make a small deposit and a small withdrawal before committing more.
Licences were confirmed on the Gambling Commission register; regulatory actions were checked against Commission announcements on 8 October 2026; offer terms on 5 October 2026. Items labelled "reported" come from independent reviews, and items labelled "not checked" we have not confirmed. How we check. 18+. Free help: 0808 8020 133 or safer gambling.
Frequently asked questions
Is my casino balance protected?
It depends on the casino's stated rating.
What does 'not protected' mean?
Funds are separate but not safe in insolvency.
Who sets the rating?
The operator, by self-assessment.
Where is it shown?
In the terms and at first deposit.
What should I check before depositing at a casino?
The licence, the fund protection rating, the dispute service, the offer terms and your own limit.
How do I find a casino's fund protection rating?
Search its terms and conditions for 'insolvency'.
How do I choose an online casino?
Confirm the licence, then compare games, offer terms and payments.