The gambling white paper 2023, High stakes: gambling reform for the digital age, was the government’s review of the Gambling Act 2005, published on 27 April 2023. By October 2026 most of its online casino measures are in force, including slot stake limits, a statutory levy and the 10x wagering cap, while financial risk assessments and an ombudsman have not happened.
The white paper was published by DCMS on 27 April 2023 and updated rules under the Gambling Act 2005 rather than replacing it.
Delivered: £5 and £2 slot stake limits (2025), the statutory levy (6 April 2025), the 10x wagering cap (19 January 2026) and wider game design rules (17 January 2025).
Not delivered as of 20 October 2026: credit-reference financial risk assessments (piloted only) and a gambling ombudsman.
Its £125 and £1,000 ‘check’ figures were proposals and never became rules.
Full title
High stakes: gambling reform for the digital age
Published
27 April 2023 by DCMS
Command paper
CP 835
Main online measures
Mostly in force by January 2026
Still open
Risk assessments, ombudsman
Checked
20 October 2026
What the gambling white paper 2023 is
A white paper is a government policy document that sets out plans before rules are changed. This one was the result of a government review of the Gambling Act 2005. The Department for Culture, Media and Sport published it on 27 April 2023 as High stakes: gambling reform for the digital age (opens in a new tab), and it was presented to Parliament the same day.
Its starting point was that the 2005 Act predated the smartphone era. The foreword said that ‘the gambling landscape has changed significantly since 2005’, and the paper noted that mobile gambling had grown from 23% of online gamblers in 2015 to 50% in 2020. Rather than write a new Act, the government chose to change the rules made under the existing one, through regulations and the Gambling Commission’s licence conditions.
For online casino players, the white paper is the reason the rules changed so much between 2024 and 2026. This page tracks each relevant proposal against what actually happened, with dates and sources. For the wider list of rules, see our UK casino rules hub.
The white paper’s main proposals for online gambling
The document ran to six chapters plus cross-cutting measures. The parts that touch online casinos were:
Online protections: a consultation on a slot stake limit of between £2 and £15 per spin, with £2, £4 or a risk-based option for 18 to 24-year-olds; financial risk checks; a review of game speed and design features; and stronger player tools such as deposit limits.
Marketing: a review of bonus design, including ‘re-wagering requirements’ and time limits; more customer control over the offers they receive; and limits on sports sponsorship and prominent sportspeople in ads.
Commission powers: a review of Commission fees and, when parliamentary time allows, new powers to tackle illegal sites.
Redress: an independent ombudsman for complaints about social responsibility failures.
Young adults: earlier checks and lower stake limits for 18 to 24-year-olds, with age treated as a vulnerability factor.
Funding: a statutory levy on operators to replace voluntary contributions for research, prevention and treatment.
The government estimated the package would reduce gross gambling yield by 3% to 8% overall and by 8% to 14% online, and said it intended the main measures to be in force by summer 2024. In practice most landed between August 2024 and January 2026.
Gambling white paper 2023 proposals vs outcomes
The table compares each online casino proposal with the rule that followed, using dates from the Gambling Commission and GOV.UK.
White paper online proposals and their outcomes (checked 20 October 2026)
Proposal (April 2023)
Outcome
Date in force
Slot stake limit between £2 and £15 per spin
£5 per spin for players aged 25 and over
9 April 2025
Lower limit for 18–24s (£2, £4 or risk-based)
£2 per spin for players aged 18 to 24
21 May 2025
Fair limits on bonus re-wagering
Wagering capped at 10x bonus funds
19 January 2026
Review cross-product and bonus design
Mixed-product incentives banned
19 January 2026
Review game speed and design
Design rules extended to all online casino games; 5-second minimum for non-slots
17 January 2025
More control over marketing
Opt-in per product and channel
1 May 2025
Stronger player tools
Financial limit prompt before first deposit
31 October 2025
Financial risk checks
Public-record financial vulnerability check at £500, then £150 net deposits
30 August 2024; £150 from 28 February 2025
Credit-reference risk assessments
Piloted only; no decision to implement
Not in force
Statutory levy
Levy of 1.1% of gross gambling yield for online operators
6 April 2025
Gambling ombudsman
No ombudsman created; ADR moving to accreditation under the DMCC Act 2024
What the white paper changed in pounds: before and after
A 50x bonus becomes a 10x bonus
Before 19 January 2026, a £20 bonus with 50x wagering meant £1,000 of play before you could withdraw any winnings tied to it. Under the cap, the most a casino can ask on the same bonus is £20 × 10 = £200. The Commission’s own example used a £10 bonus with 50x wagering, or £500 of play, as the kind of term it wanted to end; its announcement is in Gambling promotions to be safer and simpler (opens in a new tab).
Stake limits on a slot session
Before April 2025 a slot could accept, say, £20 per spin. A player aged 30 now tops out at £5 per spin, and a 21-year-old at £2. Over 100 spins, the maximum stake falls from £2,000 to £500 for the older player and £200 for the younger one. The 18 to 24 limit was confirmed in a government announcement on the £2 maximum stake (opens in a new tab).
The £150 check versus the proposed £125 check
The white paper proposed ‘light’ checks at £125 net loss in a month and enhanced checks at £1,000 in 24 hours. Those figures were never implemented. What applies is a public-record financial vulnerability check once net deposits pass £150 in a rolling 30 days: deposit £200 and withdraw £40 in that window, and the £160 net figure triggers it. It is not a credit check. See our affordability checks page for the full picture.
What the gambling white paper has not delivered
Two headline measures for online players were still outstanding when this page was checked on 20 October 2026.
Financial risk assessments
These would have used credit-reference data for roughly the top 3% of spenders. The Commission ran a pilot from 30 August 2024 with Equifax, Experian and TransUnion. Its April 2026 update on the financial risk assessments pilot (opens in a new tab) reported that 97% of assessed customers experienced no friction and no consumer had action taken because of an assessment. The findings are with the Commission’s Board, and there is no decision to implement. The Commission says ‘affordability check’ is an inaccurate description and that it has no plans for affordability checks.
A gambling ombudsman
An independent ombudsman was proposed, able to order redress for social responsibility failures, which fall outside normal ADR. No ombudsman has been created. Instead, the Commission has consulted on amending its rules so that ADR refers to providers accredited under the Digital Markets, Competition and Consumers Act 2024. Our gambling ombudsman page follows this.
Land-based measures, such as more gaming machines in some casinos and changes to machine ratios in bingo halls and arcades, were also proposed. Their implementation has not been checked for this page, so we don’t state their status.
Why the white paper was written
The government framed the review around balancing freedom for adults who gamble safely with protection for those at risk. The foreword stated that operators should not ‘place commercial objectives ahead of customer wellbeing’ and that ‘prevention of harm will always be better than a cure’. It pointed to evidence that customers who claim online bonuses are more likely to engage in high-risk gambling, which underpinned the bonus changes, and to the speed and intensity of online slots, which underpinned stake limits.
It also addressed funding. Help and research had relied on voluntary contributions from operators. The white paper proposed a statutory levy collected by the Gambling Commission, which started on 6 April 2025. Online operators pay 1.1% of the previous year’s gross gambling yield, split between research (20%), prevention (30%) and treatment (50%). The voluntary model ended on 31 March 2025, and GambleAware, previously funded that way, has since wound down.
Advertising and sponsorship after the white paper
Much of the marketing agenda was left to industry and advertising regulators. The paper recorded the Premier League’s agreement to remove gambling sponsor logos from the front of players’ shirts, from the 2026/27 season according to the executive summary, while a cross-sport sponsorship code was planned. Advertising rules themselves sit in the CAP Code, enforced by the ASA; our gambling advertising rules page has the current rules, including the ban on ads with strong appeal to under-18s.
Gambling white paper timeline: 2023 to 2026
Dated milestones following the white paper
Date
Milestone
27 April 2023
White paper published
29 November 2023
Commission consults on bonus changes (to 21 February 2024)
23 February 2024
Government announces £5 and £2 slot stake limits
30 August 2024
Financial vulnerability checks and risk assessment pilot begin
29 November 2024
Personal Management Licence requirements extended
17 January 2025
Game design rules extended to all online casino games
28 February 2025
Vulnerability check threshold lowered to £150
6 April 2025
Statutory levy commences
9 April 2025
£5 slot stake limit in force
1 May 2025
Opt-in marketing preferences in force
21 May 2025
£2 limit for 18–24s in force
31 October 2025
Financial limit prompt before first deposit
19 January 2026
10x wagering cap and mixed-product ban in force
16 April 2026
Commission update on risk assessment pilot; decision pending
The government’s February 2024 announcement had said stake limits would start in September 2024; the actual dates were 9 April and 21 May 2025. Our what changed in 2025 and what changed in 2026 guides cover each year’s changes in plain terms.
How to check white paper rules are applied at your casino
These checks take a few minutes at any UK-licensed casino and confirm you are getting the protections the white paper led to.
Confirm the casino holds an active Gambling Commission licence on the public register.
Open the bonus terms and check any wagering is 10x the bonus or lower, and that the offer does not mix products such as sports bets and casino spins.
Try to raise a slot stake above £5 (or £2 if you are 18 to 24); the game should not allow it.
Open your account settings and check you can set a deposit limit, and that decreases apply immediately.
Review your marketing preferences: casino, betting and bingo should each have separate email, SMS and phone choices, all off unless you opted in.
If any of these fail, complain to the casino and keep evidence; our guide on how to complain about a casino explains the next steps.
What could change next after the white paper
The open items are clear: a decision on financial risk assessments, the shift to DMCC-accredited ADR, and any proposals that need new legislation, such as court powers to block illegal sites. The gross deposit limit deadline for operators passed on 30 September 2026. Remote gaming duty, a tax change rather than a white paper measure, rose from 21% to 40% on 1 April 2026. We record each confirmed change on the latest UK casino rules feed with its start date.
Where to play under the post-white paper rules
Both offers below are from Gambling Commission licensed casinos and were checked on 5 October 2026. 18+ only; terms apply.
Coral Casino: deposit and bet £10 or more on slots to get 100 free spins on selected games, worth 10p each (£10 of spins in total). New players only, 1 October 2026 to 1 February 2027; accept within 48 hours and use within 7 days. No wagering on winnings from the spins. Neteller, PayPal, Paysafe, Skrill, prepaid cards and certain debit cards don’t qualify.
PlayOJO: first deposit of £10 or more for 80 free spins on Big Bass Bonanza at 10p each (£8 of spins). No wagering: winnings are paid in cash. New UK customers only, excluding Northern Ireland; can’t be combined with other offers and only available through the designated offer link.
Free, confidential support is available from the National Gambling Helpline on 0808 8020 133, 24 hours a day, and from GamCare online.
These offers are shaped by white paper rules: neither carries wagering on spin winnings, and any wagering on UK offers is now capped at 10x. 18+, terms apply.
Significant terms: 18+. New players only. Offer runs 01/10/2026 to 01/02/2027. Deposit (certain types excluded) and bet £10+ on slot games to get 100 free spins (selected games, £0.10 each, 48 hrs to accept, valid 7 days). No wagering on free spin winnings. Deposits by Neteller, PayPal, Paysafe, Skrill, prepaid cards and certain debit cards do not qualify. Restrictions and T&Cs apply. GamCare.org.uk
Read the Coral reviewLicence: LC International Limited, UKGC account 54743. Offer checked 5 October 2026.
Significant terms: 18+. New UK customers (excluding Northern Ireland). First deposit only. Minimum deposit £10. 80 free spins on Big Bass Bonanza, £0.10 each. No wagering requirements; winnings paid in cash. Cannot be used with any other offer. Only available to players who arrive through the designated offer link. Full T&Cs apply. GamCare.org.uk
Read the PlayOJO reviewLicence: Skill On Net Limited, UKGC account 39326. Offer checked 5 October 2026.
18+. Gambling should be entertainment that costs money, not a way to make it. Set a deposit limit before you play: how to set deposit limits. Free, confidential help: National Gambling Helpline 0808 8020 133.
Frequently asked questions
What is the gambling white paper 2023?
It is the government’s policy document High stakes: gambling reform for the digital age, published by the Department for Culture, Media and Sport on 27 April 2023. It reviewed the Gambling Act 2005 and set out plans for online stake limits, financial checks, bonus reform, a statutory levy, an ombudsman and changes for young adults. Most measures were delivered through regulations and Gambling Commission rule changes rather than a new Act. Our latest UK casino rules feed shows which are in force and since when.
What did the gambling white paper change for online casinos?
It led to the biggest set of online casino rule changes since 2005. Slots now have a £5 per spin limit for players aged 25 and over (from 9 April 2025) and £2 for 18 to 24-year-olds (from 21 May 2025). Bonus wagering is capped at 10x and mixed-product offers are banned (19 January 2026). Game design rules cover all online casino games (17 January 2025), and you must be prompted to set a deposit limit before your first deposit (31 October 2025). See UK casino changes in 2026.
Did the white paper introduce affordability checks?
No, not in the form the phrase suggests. Its authors proposed checks at £125 and £1,000 net loss thresholds, but those were never implemented. What applies is a financial vulnerability check: a public-record search for things like bankruptcy or county court judgments once net deposits pass £150 in a rolling 30 days. Credit-reference financial risk assessments were piloted but have not been introduced, and the Commission calls ‘affordability check’ an inaccurate term. Read our affordability checks explainer for detail.
When did the white paper slot stake limits start?
The £5 per spin limit for players aged 25 and over started on 9 April 2025, and the £2 limit for players aged 18 to 24 started on 21 May 2025. The government announced the figures on 23 February 2024 and originally said they would start in September 2024. The limits apply per game cycle on online slots, not to roulette or blackjack. The consultation range had been from £2 to £15. Our page on the £5 slot stake limit explains how game cycles are counted.
Is there a gambling ombudsman in the UK?
No. An independent ombudsman was proposed to handle complaints about social responsibility failures, but none had been created by 20 October 2026. Disputes still go to the casino first and then to an approved alternative dispute resolution provider, which is free for players. The Commission has consulted on linking ADR to providers accredited under the Digital Markets, Competition and Consumers Act 2024. Our complaints and ADR guide explains the route that applies now.
What is the statutory gambling levy?
It is a compulsory levy on gambling operators that replaced voluntary contributions for research, prevention and treatment. It started on 6 April 2025, is collected by the Gambling Commission, and charges online operators 1.1% of the previous year’s gross gambling yield, with lower rates for land-based sectors. The money is split 20% research, 30% prevention and 50% treatment. Players do not pay it directly. Our gambling levy page lists every rate and who receives the funding.
Did the white paper ban bonuses?
No. An outright ban on wagering requirements was consulted on but not adopted. Instead, wagering is capped at 10x bonus funds and offers that mix products, such as a sports bet that unlocks casino spins, are banned. Both rules started on 19 January 2026. Bonuses still exist, and no-wagering offers such as free spins with cash winnings are common. Always read the terms: 18+ only, and deposit and expiry conditions apply. See casino bonuses before and after the 10x cap.
Why was the gambling white paper needed?
The government said the Gambling Act 2005 was written before smartphones and could not have foreseen how online gambling would change. The paper noted that mobile gambling among online gamblers had doubled from 23% in 2015 to 50% in 2020. It pointed to fast, high-stakes online slots, complex bonuses and inconsistent checks as risks. Its aim was to protect people at risk while leaving adults free to gamble. Our page on the Gambling Act 2005 explains the original law.
Does the white paper apply in Northern Ireland?
No. It reviewed the Gambling Act 2005, which covers Great Britain only. Its measures were delivered through Gambling Commission licence conditions and regulations under that Act. Northern Ireland has separate gambling law, and a planned second phase of reform to regulate online gambling there stalled when the Assembly dissolved in March 2022. Some operators may apply their GB rules to customers elsewhere, but you should not assume it. See online gambling in Northern Ireland for the current position.
Gambling can be addictive. Free, confidential help is available 24 hours a day from the National Gambling Helpline on 0808 8020 133. Get free support from GamCare or NHS gambling support, or block yourself from all UK-licensed gambling sites with GAMSTOP.
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