Independent UK Bookmakers Compared on What They Actually Cost

Updated October 2026

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Anyone shopping for an independent bookmaker in the UK in 2026 will meet the same word on every landing page: “independent”. It is meant to set a brand apart from the public-company giants, and sometimes it does. More often it is marketing, and the question that matters is not whether the operator is independent but what its licence costs, what its terms take, and what the punter keeps at the end of a month of betting. This page works through the legal frame, the responsibility rules, the new entrants, and a ten-name ranking built on the published terms of each brand.

Data current as of 27 October 2026 and checked against the Gambling Commission’s public register.

What “independent bookmaker” actually means in Britain

The phrase has no legal weight. There is no category called “independent” on the Commission’s licence register, no test a brand passes to wear the word, and no body that polices the claim. Three things get sold under the label: a privately owned challenger with a single brand and a smaller marketing budget, a public-company book that operates one trading name as a separate entity in the UK, and a white-label site running on another operator’s platform and licence. All three can be competent, and all three can be dreadful, and the word itself tells a punter nothing about which.

What the law does define is a licensed operator. Since the Gambling (Licensing and Advertising) Act 2014 an operator whose remote facilities are used in Great Britain needs a Gambling Commission licence wherever it is based. Sections 33 and 36 of the Gambling Act 2005, as amended, are the source of that duty. A Curaçao, Maltese or Gibraltar licence is not a substitute. The Commission’s public register, searchable by business name, trading name, domain or account number, is the only test that counts, and the access date should sit beside any statement about a brand’s status.

A punter who treats “independent” as a quality mark and ignores the register can find themselves on a legitimate site with a thin product, or worse on an unlicensed one. The page below ranks the licensed options by what their terms cost in real money.

statute: The legal frame behind every bookmaker in the page

Britain’s commercial gambling market is built on the Gambling Act 2005 and the Commission that administers it. The Act covers England, Scotland and Wales; Northern Ireland runs on older law and a Great Britain licence does not regulate a Northern Ireland customer. Since 2014 the point of consumption has been the test: the licence attaches to where the punter is, not where the company sits. A spread-betting firm, where the product is a financial contract, is regulated by the Financial Conduct Authority and the Commission at once, and the loss potential is the punter’s deposit and more. Spreadex sits on both sides of that line.

The Commission issues a handful of remote licence types. A standard sports book runs on a remote general betting standard (real events) licence; virtual events are a separate category; exchanges run under a betting intermediary licence; pool betting carries its own category. The whole point of the register is that a brand’s licence is a specific instrument with a specific scope, and the categories a brand does not hold are markets it is not authorised to offer. The brands reviewed below hold the real-events licence, which is the one the public recognises as “betting”.

Three rules shape what an honest page looks like:

• No single brand is “the only” licensed one. The register lists far more operators than any ranking can cover, and a licence is a property a brand shares with its peers, not a competitive edge.
• A licence is a starting position, not a finish line. Operators set their own maximum stakes, run their own safer-gambling tools, and choose how much margin to build into a price. A punter comparing brands is comparing those choices, with the licence as the floor.
• The .co.uk or .com of a domain proves nothing. Licensed operators use both, and an unlicensed brand can park on either.

Identity checks apply before the first deposit or bonus. A punter setting up an account with a licensed brand gives name, address and date of birth, and the operator verifies them. Free bets and bonuses sit inside that rule. The check is what stops anonymous play; the cost is a few minutes of form-filling the first time.

The 10x bonus cap, the £150 vulnerability check, and what else the LCCP forces

The Licence Conditions and Codes of Practice, the LCCP, sit on top of the Act and govern how a licensed operator runs. The promotion rules in force since 19 January 2026 are the part a punter meets first.

Wagering requirements on bonuses are capped at 10x. A £10 bonus with a 50x playthrough would have required £500 of qualifying bets; under the cap, no bonus can demand more than £100 of qualifying bets. The cap is on the multiplier, not the headline value: a £1,000 bonus with a 10x cap still asks for £10,000 of turnover, and the smaller the bonus, the cheaper the clearance. Mixed-product promotions are banned: an offer that ties sports betting to casino spins, bingo, lottery or any other product family is no longer licensable, and any operator still running one is one to read the terms on before claiming.

The financial vulnerability check is a different animal. Live since 30 August 2024 and applied to remote betting when a customer’s net deposits exceed £150 in a rolling 30 days, the check runs against public records such as bankruptcy and county court judgments. It is not an income check and not a credit check, and a customer whose record is clear will not notice it. The “affordability checks” sometimes written about in the press are a separate layer, the financial risk assessments, which the Commission has signalled in a staged plan of 7 July 2026 with no start date. The honest line is “announced, staged, no start date”.

Deposit limits are a customer-set tool the operator must offer. A gross deposit limit on a fixed time frame is a licence condition; since 31 October 2025 first changes have applied, with a second phase postponed to 30 September 2026. Whether that second phase is now live is not established, and the punter-facing reality is unchanged: every licensed operator offers a deposit limit the customer sets.

The credit-card ban is older. Since 14 April 2020 no credit card may be used for gambling in Great Britain, and the ban extends to e-wallet top-ups funded by a credit card. Debit cards and bank-based payments are unaffected. A punter who reaches for credit at a betting site is breaking a rule the operator enforces, not one the bank does.

wellbeing: The tools a licensed brand has to hand the punter

The safer-gambling floor at a licensed operator is the same across the market. Every brand on the list below offers the basic set, because the basic set is a licence condition. What varies is the depth of each tool and the ease of finding it. The tools themselves are: deposit limits, time-outs, product restrictions, self-exclusion, reality checks and direct signposts to the support services.

A deposit limit is the punter’s main throttle. The customer sets a gross cap on a fixed time frame, daily, weekly or monthly, and the operator enforces it. A punter on a tight budget starts with a weekly cap; a punter who has slipped before starts with a daily one. A £500 monthly limit is a common starting point, and the section below on the cost of a month of betting works through what that cap actually buys.

Time-outs are short self-exclusions, from 24 hours to six weeks. They are useful for a bad weekend or a single match, and they are reversible on expiry. Product restrictions let the punter block themselves from a specific product family, sportsbook, casino, poker, while leaving the rest of the account open; a punter who wants to bet on football but not on slots sets the product block on slots. Self-exclusion is the heavier version, six months minimum, and a licensed operator is part of GAMSTOP, the national multi-operator scheme. Betting shops use a separate service, the multi-shop self-exclusion through bookmaker staff. Reality checks are session-time pop-ups, useful on long sessions and easy to dismiss. None of this is optional for the operator. The signposts to GamCare, the National Gambling Helpline, GambleAware, Gamblers Anonymous and the NHS gambling clinics are mandatory links in every licensed site’s safer-gambling pages.

The tools work if the punter uses them. A monthly deposit limit set high enough to clear in three weekends is decoration; a product restriction that does not include the product the punter actually plays is decoration. The cleanest habit is a low weekly cap, a time-out after every losing session, and a single favourite support service in the phone.

New independent bookmakers in 2026: who is actually taking bets

The Commission register is the only place a “new” claim can be checked. Some brands are genuinely new, with a recently issued licence and a small customer base; some are restarts of a dormant licence; some are white-label sites running on a third party’s platform and licence. A punter who finds a brand on a comparison page and cannot find it on the register should treat that as a stop sign.

Three of the brands below are recent enough to count as new entrants. Silkbet Limited holds three remote licences under Commission account 101183, active from 7 May 2026, a turnkey deal with Digitain reported at the time. BetWright states UK licensing, an 18+ age floor and a responsible-gaming page; its Commission account is on the register and the brand has only been in customer-facing trading for a short window. London.bet, published by Thistle Bet Limited, is a similar recent entry, with a 17+ App Store age rating and a UK licence statement on its store page. The figures that go with these brands are limited; the ones that exist are reproduced below.

A separate case is Greenlight Bet, whose site greenlightbet.co.uk shows a “Launching Soon” placeholder, a contact form and an email sign-up, with no offers, no payment methods and no licence text. A punter looking at that page has nothing to bet on and nothing to verify; the brand is not in the ranking below until it is live and licensed, and the Commission register is the place to confirm that when it is.

Top 10 licensed bookmakers, ranked on cost and terms

The ten brands below are the ranking for this page. Each holds a Gambling Commission remote general betting standard (real events) licence at the access date above. The ranking order is set by what each operator’s terms cost the punter in real money, on a small-to-medium monthly budget, with the rules of the LCCP as the floor. Several brands run under the same ultimate owner, and the ranking treats them as the separate brands the register lists, not as duplicates.

1. Tote

The Tote sits in a different category to the rest of the list. Its Commission account is 54779, held by TDCO Limited, and the licence covers pool betting on horse racing as well as standard fixed-odds markets. The Tote is the pool-betting survivor of the post-2007 privatisations, and the difference shows in the product: a punter who wants the dividend, the takeout rate and the consolation payouts is on familiar ground. For everyone else, the standard fixed-odds menu is thinner than the high-street books. A punter who bets on the Grand National once a year and nothing else will not notice. A punter who bets weekly will.

Pool-betting specialists will find the Tote indispensable; fixed-odds players will likely prefer a broader menu.

2. Fitzdares

Fitzdares is a privately held British bookmaker with a Commission account of 400, the smallest number in this ranking, and a long history in the private-room end of the market. The terms reflect that: the app accepts Apple Pay, Mastercard and Visa, Visa withdrawals are usually same-day, and Mastercard withdrawals can take up to 48 hours. A punter who values a quick pound on the card, who bets on racing and football in modest volume, is the customer this product is built for. The sportsbook menu is narrower than the public-company giants, and the price on a Tuesday-night Championship game may be a touch longer than the headline.

Fast payouts make this a strong choice for the racing enthusiast who prioritizes speed, though the deeper menus of the major brands remain out of reach.

3. William Hill

William Hill is the largest name in the ranking by customer base, with Commission account 39225 held by WHG (International) Limited. The terms are the kind of high-street book terms a British punter has handled for decades: deposit and withdrawal by debit card from £5, with a maximum deposit of £99,000 and a maximum withdrawal of £33,000 per transaction, no fee on debit-card transactions. Best Odds Guaranteed runs on UK and Irish horse racing from 8 AM on the day of the race, on singles and multiples, and does not apply to ante-post, tote or pari-mutuel bets. The 8 AM trigger is the one to watch: a punter who takes an early price the night before and watches it shorten is the customer BOG is built for; a punter who takes the SP at the off has nothing to collect.

Early pricing on horse racing is the primary draw here; those who bet strictly at SP may find the offer less compelling.

4. NetBet

NetBet’s Commission account is 39170, held by Netbet Enterprises Limited. The product is the modern app-book: Daily Boosts, Profit Boosts and free bet offers on the home screen, a Bet Builder with instant dynamic odds, sports stats for the major leagues. The vocabulary is the public-company book vocabulary, and the terms are the public-company book terms. The punter who likes a price boost on a single match and a bet builder for the same game is well served. The punter who reads the small print on every boost finds the usual qualifiers: a maximum stake, a market restriction, an odds floor.

Boost-heavy promotions appeal to the active accumulator bettor, provided they are comfortable with the specific market terms required for each boost.

5. bet365

bet365 is the operator whose name comes up first in the British conversation, Commission account 55148 held by Hillside (UK Sports) ENC. The product is the deepest in the ranking: Bet Builder+, which combines markets from one event into a single bet, available pre-match and in-play, Super Boosts and daily Bet Boosts, Winnings Boosts on Bet Builders and selected singles, in-play betting and live streaming of events worldwide, plus Bet Track, Match Live and a Live Golf Tracker. Accounts fund by debit card, PayPal and Apple Pay, and the app supports Face ID on supported devices. The official partnership with the UEFA Champions League is on the brand’s own page, and the app is described as the most downloaded sports betting app in the UK. A punter who wants one app that does the lot, from a £5 football acca to a 17-market bet builder to a same-game price boost, lands here.

The depth of streaming and tracking tools makes this a premier option for the comprehensive punter, leaving only the casual or race-specific bettor less convinced.

6. Sporting Index

Sporting Index is a spread-betting firm with a fixed-odds book behind it, Commission account 27343 held by Sporting Index Limited. The new-customer terms are the kind of split a spread-betting customer recognises: a £10 fixed-odds qualifying bet at minimum odds of 1/2 unlocks three £10 fixed-odds free bets, three £5 Total Goals spread bets, three £5 Winning Favourites spread bets and a £1 Race Index spread bet, with the qualifier not placed in play and not cashed out early. The fixed-odds menu is small; the spread book is the point. A punter who has never spread bet before is in the wrong place, and the FCA’s reminder that spread losses can exceed the deposit is a real one.

Expert spread bettors will appreciate the specialized book, but traditional fixed-odds punters may find the selection too niche.

7. Betfred

Betfred is the high-street survivor, Commission account 39544 held by Petfre (Gibraltar) Limited, with a Done Brothers (Cash Betting) Ltd app that covers 21 sports and over 2,000 casino-style games. The product is the kind of mid-market book a Saturday punter has used for years: football and racing, plus a casino tab the punter may or may not open. The Fred Done heritage shows in the Bonus King-style promos on accumulator cards, and a punter who likes to fill out a sportsbook slip from the app has what is needed. The casino side is large enough to confuse the safer-gambling tools: a punter who sets a product restriction on casino has to remember that 2,000 games is a wide product family.

The mid-market acca focus offers a familiar experience, though the extensive casino menu can clutter the interface for users seeking a simple sportsbook.

8. BetMGM

BetMGM UK is the British face of the American brand, published by LeoVegas Gaming p.l.c., with Commission account 39198. The app is a casino-and-sports combination, the modern app-book pattern, with the British safer-gambling tools bolted on. The product is competent and the menu is broad; the cross-sell between casino and sports is heavy, and a punter who wants only the sportsbook finds the casino tab a constant companion. The Commission’s promotion rules since 19 January 2026 mean the cross-sell cannot be tied into a single offer, and BetMGM’s terms reflect that separation.

The cross-product integration suits the all-round gambler, while those focusing solely on sports may prefer a more specialized betting interface.

9. Paddy Power

Paddy Power is the Irish-public-book tradition, Commission account 39439 held by PPB Counterparty Services Limited, with an app that covers football, horse racing, boxing, rugby, tennis, golf, darts, snooker and F1. The brand’s reputation is the irreverent-money-back promotion, the long-odds novelty market, the cheeky push notification. A punter who values a market on a non-league football match or a darts player to hit a nine-darter will find it; a punter who wants a quiet, buttoned-up product will not. The pricing on the headline leagues is in line with the public-company books, and the terms are similar: BOG on racing, an acca insurance on the major sports, a free bet or two for new sign-ups.

Broad event coverage defines this brand, appealing to the punter who follows televised sports closely rather than those seeking a quiet, niche book.

10. Copybet

Copybet is the tipster-platform-book combination, Commission account 53774 held by Copybet UK Limited, with a product built around following tipsters and copying their bets. The punter who has a tipster they trust and wants the bets placed without lifting a finger is the customer this product is built for. A punter who wants to choose their own bets finds the copy layer in the way. The sportsbook itself is competent and the licence is clean, but the product is the wrong shape for the customer who has not yet picked a tipster.

Tipster-focused features offer a unique path for the follower, though users who prefer to control every individual bet will be better served elsewhere.

primer: The licensed operators at a glance

The table below lists the ten operators, their Gambling Commission remote licence and account number, and the key term the operator’s own page publishes on the subject of this page. The licence number is the public register reference and the column “what the operator’s own terms state” gives the single most relevant published statement from the operator’s own site for an independent-licence comparison. The accounts and the licence numbers are the public register’s data; the right-hand column is the operator’s own words.

The two operators not in the ranking but worth knowing about are the new entrants whose terms this page could only partly verify at the access date. BetWright states a UK licence, an 18+ floor and a responsible-gaming page; London.bet, published by Thistle Bet Limited, states a UK licence and a 17+ App Store rating; Silkbet holds three Commission licences under account 101183, active from 7 May 2026, covering casino, general betting real event and general betting virtual event. Greenlight Bet’s site is a “Launching Soon” placeholder and is not in the table.

What a £500 month of betting actually costs

A punter who sets a £500 monthly deposit limit and stakes it once across an illustrative two-way market at decimal odds 1.90 / 1.90, the example taken here because it is a clean two-way price and the figure is not a quoted market, can work through what the month costs. The arithmetic belongs to the punter and is a ballpark figure for a small-budget account, not a quotation.

Payout share on a 1.90 / 1.90 market is one divided by the sum of the implied probabilities, 1 ÷ (1/1.90 + 1/1.90) = 1 ÷ (0.5263 + 0.5263) = 1 ÷ 1.0526 ≈ 0.95. The bookmaker’s margin is 1 minus that, about 5%. Staking £500 once at this market, the expected cost is the turnover times the margin, roughly £25. The number is a statistical average, not a guaranteed outcome: half the time the bet wins and the punter’s net is a return of £950 and a profit of £450, half the time the bet loses and the net is a loss of £500, and the average across many such bets at this market converges on the margin the bookmaker takes.

Read the number as a band rather than a single figure. A punter betting £500 a month across a wide mix of markets, with margins varying from below 3% on the top football 1X2 to over 8% on a smaller league or a prop market, will land somewhere between £15 and £40 of expected cost across the book. The narrow band is the high-end punter, single-market specialist on football and racing; the wide band is the punter who fills a Saturday accumulator with a leg from a smaller league. The honest framing is £25 of expected cost in the middle, plus or minus a tenner, and the result the punter actually sees on the bank statement depends on which side of the bet lands.

The calculation is a statistical estimate. It is what the offer costs on average across many bets at the stated assumptions, not a guaranteed outcome for any single month. A punter who treats the £25 as a subscription fee for a month of betting has the right mental model. A punter who treats it as a prediction of what the month will cost has the wrong one.

Other licensed brands worth knowing

The ranking above is ten names. The Commission’s public register lists many more, and three deserve a mention because the question this page is built around, “which independent bookmaker”, brings them up.

Unibet is a longer-established European brand running in the UK under Platinum Gaming Limited, Gibraltar, on Commission account 45322. The brand has been in operation since 1999, and the British site carries the standard safer-gambling tools: deposit limits, a Player Profile test, product restrictions and self-exclusion, with live chat support and links to BeGambleAware, GamCare, GAMSTOP, Gambling Therapy and the BGC. The product is the public-company book pattern, with a strong in-play product and a casino layer behind it. A punter who values the European-style product will land here.

Midnite is a UK-licensed sportsbook on Commission account 101839, with a home page that shows in-play events, an acca builder, popular accas and price boosts with maximum-stake limits. The brand accepts Visa, Mastercard, Apple Pay, Google Pay and Trustly, and links to GambleAware, GamCare, GAMSTOP and BetBlocker. A punter who wants a modern app-book with a clean payments page finds it.

Kalooki Sportsbook is operated by Kalooki Sports Book Ltd, company number 12938274, on Commission account 57730, and is a GAMSTOP member. A smaller, privately owned sportsbook, the kind of brand the word “independent” was made for. A punter who wants to back a brand with a single-product focus and a smaller customer base lands here.

Spreadex is the spread-betting-and-fixed-odds hybrid, regulated by the FCA for spread betting and the Commission for fixed-odds betting, with a page that states spread-betting losses can exceed deposits. A punter who wants the spread product alongside a fixed-odds book is the customer; a punter who does not understand the spread product is in the wrong place.

10bet’s app is published by 10bet Limited, and the operator’s site states that 10bet.co.uk is licensed by the Commission under licence 43173. Betmaster is operated by BM Solutions GB Ltd, registered in Malta, and holds Commission account 65699; the site accepts Visa, Mastercard, Maestro and V PAY, and offers deposit and session limits, time-outs and self-exclusion, with links to GambleAware, GAMSTOP, BetBlocker and GamCare. Fitzwilliam Sports offers instant deposits, fast withdrawals, timeouts and deposit limits, with links to GambleAware, GAMSTOP and Gamblers Anonymous. Lottoland UK combines casino, lottery betting, sports betting and scratchcards under a Commission licence. Kwiff, a trademark operated by Spryme Ltd, holds a Commission licence and runs a 17+ App Store age rating. None of these is in the ten-name ranking, and all of them are licensed.

What the punter actually keeps: tax, winnings and the offshore counter-case

A British punter pays no tax on betting winnings, the general rule, not tax advice, and a professional gambler should ask HMRC or an adviser. General Betting Duty is the operator’s tax on gross profits, currently 15% under the existing rate; from 1 April 2027 a new remote betting rate of 25% applies within it, while remote bets on UK horse racing, bets on self-service betting terminals in licensed premises, pool betting and in-person betting stay at 15%. Until 1 April 2027 the remote rate stays at 15%; whether operators pass the duty on through odds is not established, and a punter reading a 25% headline should not write it on the betting slip.

The counter-case is the unlicensed site. A brand without a Commission licence cannot advertise in Britain through the regulated channels, and the customer who uses one loses the layer of protection the Act provides: no GAMSTOP coverage, no Commission complaints route, no approved dispute-resolution body, no British consumer redress if funds are withheld, and no obligation on the operator to honour the 10x bonus cap or the £150 vulnerability check. The customer is not committing a criminal offence; the operator is. The honest framing is that the punter on the unlicensed site gives up the floor the licensed site is built on, in exchange for a price the licensed site may not match, and a payout the licensed site may not offer. The trade is real, and the question of which side of it a punter stands on is a question the punter answers, not this page.

The Commission’s enforcement against unlicensed sites is disruption, not blocking. Cease-and-desist notices, search-engine referrals, work with registrars, hosts and payment providers, and court-order DNS blocking powers the Commission has been given, or is about to receive. None of that is the punter’s problem until the punter’s account stops paying out, and at that point the answer is a small-claims track at best and nothing at worst.

The honest summary

An independent bookmaker in the UK in 2026 is a licensed one, and a licensed one is the only kind of brand this page ranks. The Commission’s public register is the test, the access date sits beside every licence number, and the word “independent” on a landing page is a marketing line, not a regulatory status. The ranking above is built on what each operator’s published terms cost the punter in real money, and the £500 monthly expected cost is a band, not a figure. The punter who treats the brand list as a starting position and the terms as the question has the right approach. The punter who treats the brand list as a finish line has the wrong one.

Frequently asked questions

How can a punter check that a bookmaker holds a Gambling Commission licence?

The Commission’s public register at the official register address is searchable by business name, trading name, domain or account number. The access date should sit beside any statement about a brand’s status. A .co.uk or .com domain proves nothing; a Commission account number proves everything. The register is the only test, and the licence categories on it are the test of which products the operator is authorised to offer.

Does GAMSTOP cover every betting site licensed in Great Britain?

Every GB-licensed online operator takes part in GAMSTOP, the national multi-operator self-exclusion scheme, and participation is a mandatory licence condition for online operators since 31 March 2020. Periods run six months, one year, five years, or five years with auto-renewal, and after the minimum the exclusion stays in place for a further seven years unless the customer asks GAMSTOP to remove it. Betting shops use a separate multi-shop exclusion service, not GAMSTOP.

What does a punter lose by betting on a site without a Commission licence?

The customer gives up the layer of protection the Gambling Act builds: no GAMSTOP coverage, no Commission complaints route, no approved dispute-resolution body, no British consumer redress if funds are withheld, and no obligation on the operator to honour the 10x bonus cap or the £150 vulnerability check. The customer is not committing a criminal offence; the operator is. The trade is a price and a payout the licensed site may not match, against a floor of consumer protection the unlicensed site does not have to provide.

What does the financial vulnerability check look at, and when does it apply?

The check runs against public records such as bankruptcy and county court judgments, not against income or a credit file. It applies to remote betting when a customer’s net deposits exceed £150 in a rolling 30 days, in force since 30 August 2024 and applied from 28 February 2025. A customer whose record is clear will not notice it. The affordability checks sometimes written about in the press are a separate layer, the financial risk assessments, which the Commission has signalled in a staged plan of 7 July 2026 with no start date.

Which safer-gambling tools does a licensed bookmaker have to offer?

Every licensed operator offers the basic set: deposit limits set by the customer on a fixed time frame, time-outs from 24 hours to six weeks, product restrictions by product family, self-exclusion of six months or more, and reality-check pop-ups. The site must signpost GamCare, the National Gambling Helpline, GambleAware, Gamblers Anonymous and the NHS gambling clinics. None of this is optional, and a punter who cannot find the safer-gambling page is on a site that should be checked against the register before the next deposit.

Are betting winnings taxed in Great Britain, and who pays General Betting Duty?

The punter pays no tax on betting winnings, the general rule, not tax advice, and a professional gambler should ask HMRC or an adviser. General Betting Duty is the operator’s tax on gross profits, currently 15% on the standard rate, with a new 25% remote betting rate from 1 April 2027 on most remote bets and 15% continuing on remote bets on UK horse racing, self-service betting terminal bets, pool betting and in-person betting. Spread betting has its own rates. The punter is not charged duty.

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