Financial risk assessments are coming in stages: the thresholds, and what they mean if you claim a bonus
The Gambling Commission has decided to bring in financial risk assessments, a light-touch credit reference check for high-spending online customers, in stages. They are often called “affordability checks”, a label the Commission rejects. Here are the thresholds, how a check works, and why claiming a typical welcome bonus will not come anywhere near one.
By the Top Casino Bonus team. Published .
Key points
- The Commission confirmed in July 2026 that financial risk assessments will be introduced in stages.
- Stage 1, at the largest operators, applies to net deposits over £5,000 in 24 hours (£2,500 for under-25s).
- At the final stage the thresholds are £1,000 in 24 hours or £3,000 over 90 days for over-25s.
- About 97% of assessments are expected to be frictionless, with no documents; they do not affect your credit rating.
- The Stage 1 start date has not yet been set.
- Decision announced
- July 2026
- Stage 1 threshold (25+)
- £5,000 net deposits in 24 hours
- Stage 1 (under 25)
- £2,500 in 24 hours
- Final stage (25+)
- £1,000 in 24 hours or £3,000 in 90 days
- Frictionless
- About 97% of checks
- Start date
- Not yet set
The thresholds
| Stage | Aged 25 and over | Aged 18 to 24 |
|---|---|---|
| Stage 1 (largest operators) | Over £5,000 in 24 hours | Over £2,500 in 24 hours |
| Interim stages | To be set after consultation | To be set after consultation |
| Final stage | Over £1,000 in 24 hours or £3,000 in 90 days | Over £750 in 24 hours or £2,000 in 90 days |
How a check works
The operator receives an overall assessment and four data points from credit reference agencies: defaults, multiple arrears, significant arrears and whether you have a debt management plan. The Commission says most checks happen in the background, that fewer than 1 in 1,000 accounts may need extra steps (for example after a recent move or name change), and that the checks do not affect your credit rating. They sit alongside the financial vulnerability checks already in place.
What it means if you claim a bonus
- Typical welcome offers are far below the thresholds. The largest qualifying deposit at our partners is £200 for Casumo’s full £100 bonus.
- Verification is separate. Age and identity checks still happen before you play; see how to verify your account.
- Limits are your best tool. Set one at sign-up; see how to set deposit limits and how checks affect bonuses.
18+. Gambling should be entertainment, never a way to make money. Free, confidential help 24/7: National Gambling Helpline 0808 8020 133, or see our safer gambling page.
Frequently asked questions
Are affordability checks live in the UK?
The Commission has decided to introduce financial risk assessments in stages, but the Stage 1 start date has not yet been set.
What deposit triggers a financial risk assessment?
At Stage 1, net deposits over £5,000 in 24 hours for over-25s, or £2,500 for under-25s, at the largest operators.
Will a financial risk assessment affect my credit score?
No. The Commission says the checks do not affect your credit rating.
Will claiming a casino bonus trigger a check?
Not on its own. Typical welcome offers need deposits of £10 to £200, far below the thresholds.
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Sources
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