Why segregate at all?

UKGC LCCP and MGA require segregation so that if the operator becomes insolvent, players can still recover their balances. Failure triggers immediate licence review.

What multiplier should I use?

UKGC suggests 1.0 (basic segregation), Quality (1.0+) for "high protection", Trust (1.0+) for "very high protection". Most operators use 1.1–1.2 as a working buffer.

CalculatorUpdated May 2026

Player Funds Segregation Reserve Calculator

Required reserve = unsettled deposits + pending withdrawals + bonus liabilities × safety multiplier. Compliant with UKGC LCCP and MGA player-funds rules.

Four inputs. Reserve = (unsettled deposits + pending withdrawals + bonus liabilities) × safety multiplier. Same formula UKGC and MGA require for licensed operator daily reconciliation.

Inputs

Unsettled deposits (€)Pending withdrawals (€)Bonus liabilities (€)Safety multiplier (1.0-1.5)

Core liabilities

€725,000

Safety buffer

€145,000

Required segregated reserve

€870,000

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⚠ For informational purposes only. This is not legal, tax, or financial advice. Verify with a qualified advisor before acting on any output.

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Methodology & sources

Core = sum of three liability streams. Reserve = core × multiplier (1.0 minimum). UKGC LCCP 4 requires daily reconciliation; MGA Player Protection Directive equivalent.

Frequently asked questions

Why segregate at all?: UKGC LCCP and MGA require segregation so that if the operator becomes insolvent, players can still recover their balances. Failure triggers immediate licence review.
What multiplier should I use?: UKGC suggests 1.0 (basic segregation), Quality (1.0+) for "high protection", Trust (1.0+) for "very high protection". Most operators use 1.1–1.2 as a working buffer.

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Disclaimer

This calculator is for informational purposes only. It does not constitute legal, tax, or financial advice. Licence fees, tax rates, and regulatory requirements change. You must consult a qualified advisor in each relevant jurisdiction before making any commercial or investment decision. GetBanked and BMC Strategic Inc accept no liability for decisions made on the basis of these calculations.