What happens to your balance if the operator fails
Every indexed market requires licensees to keep customer funds separate from operating funds. The differences are in what counts as "segregation", a standalone trust account (UK high-tier), a statutory segregated bank account (most of Europe), or an internal ledger with a designated reserve (the lighter US-state model). The UK's LCCP SRCP 4 tiers operators into three levels of protection (basic / medium / high) with the top tier offering bankruptcy-remote trust structures.
Each chip is one indexed rulebook. Green = we have a directly matched standard on this topic; dim = the topic may be covered under different wording, explore the framework to verify.
Best-match standard per framework. Scored against titles, requirements and editorial tags, click through for the full text.
| Market | Standard | Excerpt | Source |
|---|---|---|---|
| AGCO S 5.76 | Clear, accessible display of player funds balance | Players shall be provided with a clear and accurate representation of their funds account balance that is easily accessible and readily available at all times. (Also applicable to Gaming-Related Suppliers) | Open ↗ |
| AGLC AGLC 4.4.24 | Registered Operators must ensure that players receive their funds related to a withdrawal in a reasonable and … | Registered Operators must ensure that players receive their funds related to a withdrawal in a reasonable and timely manner. Players are permitted to withdraw funds from their player account in an accurate and complete f… | Open ↗ |
| DGA EO 682 § 11 | Player funds held in a non-offsetting bank account | Funds held in players' gaming accounts are entrusted funds that must be deposited in a non-offsetting bank account separate from the licensee's own funds, to which only the licensee has access. The funds may only be paid… | Open ↗ |
| DGOJ L 13/2011 art. 14.3 | Segregation of player funds from operating funds | Player balances must be segregated from operating funds and backed by the licensee's deposited guarantee. Shortfalls in segregation trigger immediate reporting to DGOJ and corrective top-ups. | Open ↗ |
| GGL § 6b GlüStV 2021 | Player funds held in a segregated, insolvency-protected account under § 6b GlüStV 2021 | § 6b GlüStV 2021 treats funds that players hold on the operator's Spielkonto as 'anvertraute Mittel' (entrusted funds). They must sit on a verrechnungsfreies Konto at a credit institution, segregated from the operator'… | Open ↗ |
| MGA GACD 39 | Monthly Player Funds Report (PFR) | B2C licensees must provide a monthly player-funds report in the format established by the Authority, due no later than twenty (20) days after the end of the reporting month. The MGA may extend this obligation to B2B lice… | Open ↗ |
| MGCB R 432.667 | Segregated player-fund reserve | Every operator must hold player funds in a segregated reserve equal to or greater than the sum of player balances owed, kept with an MGCB-approved depository. The reserve is reported to the Board monthly and independentl… | Open ↗ |
| NJ DGE § 69O-1.3(j) | Segregated patron-funds account | The licensee must hold patron funds in a separate New Jersey bank account at or above the sum of daily ending cashable balances, funds on game, and pending withdrawals. The casino controller or above must file monthly at… | Open ↗ |
| OCCC OAC 5.3 | Reserve Funds Covering Patron Balances | Each sports gaming proprietor shall maintain reserves in cash, cash equivalents, or a surety acceptable to the Commission, in an amount sufficient at all times to cover the aggregate of patron account balances and outsta… | Open ↗ |
| PA PGCB 58 Pa. Code § 805.3 | Account funding and withdrawals | Operators must clearly disclose permitted deposit methods, honour withdrawal requests in a reasonable period, keep player funds segregated from operational funds, and hold reserves sufficient to cover aggregate player ba… | Open ↗ |
| SGA Ch 13 §7 | Player funds held separately from the licence-holder's own funds | Under Chapter 13, Section 7 of the Swedish Gambling Act (Spellag 2018:1138), 'Funds that a player has in their player account shall be kept separate from the license holder's own funds.' The provision is reinforced by Ch… | Open ↗ |
| UKGC LCCP LCCP 4.1.1 | Segregation of customer funds | Licensees who hold customer funds must ensure those funds are held in a separate client bank account or accounts. | Open ↗ |
| UKGC RTS | No standard directly indexed | — | Open ↗ |
LCCP SRCP 4.2 distinguishes "basic", "medium" and "high" customer-funds protection. Operators must disclose their tier on the site and in customer communications. The medium and high tiers require external controls (separate bank account, trust deed, independent trustee) that the basic tier does not.
Most European markets require segregation but not insolvency-remote structures. The UK high tier and Malta's ring-fenced trust model are the exceptions in our indexed corpus. The German § 8 GlüStV requires segregation but the bankruptcy-remote status depends on the operator's choice of structure.
Ohio requires every sports gaming proprietor to maintain reserves in cash, cash equivalents, or a surety acceptable to the OCCC in an amount sufficient at all times to cover the aggregate of patron account balances and outstanding patron liabilities, under OAC 3775-16-06. Reserves must be reconciled to patron liabilities on the Commission's cadence, reserve attestations must be filed, and patron funds must be segregated from operating capital.
Open questions and imminent changes that will shift the cells above. Each item is traceable to a regulator publication or indexed statute.
Depends on the market and the operator's tier. UK LCCP SRCP 4 requires every operator to disclose whether customer funds are "basic", "medium" or "high" protected, only the high tier is bankruptcy-remote. Most European markets mandate segregation but leave insolvency protection to general corporate law. The US-state model typically requires an internal reserve; the bankruptcy-remote question is state-specific.
Every claim above traces to one of these citations. Matched standards link straight into the framework explorer; overlay facts link to the RG Observatory card with its audit note.
Built 2026-05-11 from the same datasets that power the framework explorers. Not legal advice; verify against the issuing regulator.