The following list highlights the bookmakers with the highest level of fund protection, primarily based on their grading by the Gambling Commission.
Bookmakers With the Most Fund Protection
Why Does Fund Protection Matter?
Fund protection is a key consideration when choosing a bookmaker, as it ensures your money is safe even if the company faces financial difficulties such as insolvency or bankruptcy.
The UK Gambling Commission assigns a fund protection rating based on how well a bookmaker segregates and secures your deposits, winnings, and bonus fund. Ideally, funds are held in a dedicated trust account managed by an independent trustee, maximising the likelihood of recovering your money if financial issues arise.
Although bankruptcy is highly unlikely among the top-ranked bookmakers on our list, strong fund protection measures provides extra peace of mind—particularly if you maintain a large balance.
Our "Fund Protection Rating" Explained
Our fund protection rating is calculated using three key criteria to provide a comprehensive evaluation of a bookmaker’s reliability:
1. UKGC Fund Protection Level
This is the most important factor. The official rating, assigned by the UK Gambling Commission, reflects how customer funds are managed and safeguarded. We thoroughly review the Commission’s assessments to ensure that funds are held in a secure and responsible manner.
2. Company Pre-Tax Profits
Ranked as the second most critical criterion, this metric involves examining the pre-tax profits reported in a bookmaker’s official accounts. It provides insight into the company’s financial performance and stability, serving as a key indicator of its risk of insolvency.
However, due to the complex global structures of many gambling companies—which often operate through multiple divisions across different jurisdictions—accurately determining true profitability can be challenging.
3. Dormant Account Fees
As the third criterion, we assess the fees charged on inactive accounts. These fees can gradually erode customer funds, making them an important, albeit less critical, factor when evaluating a bookmaker’s overall fund protection.
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