What the best UK casino sign-up bonus really looks like in 2026

A “best casino sign up bonus UK 2026” search usually returns marketing first, arithmetic second. This page inverts that order. It walks through what a UK sign-up bonus is in practice, what the Gambling Commission’s licence means for the site offering it, what the December 2025 wagering cap changed, and which of the ten featured brands each licence account actually covers on the public register. No brand here is recommended; each is described from what the register and the operator’s own terms say.

Current as of 7 November 2026 · Licence claims verified against the Gambling Commission public register.

Safer-gambling protections that shape every UK sign-up bonus

Any brand advertised as a “UK casino” sits inside a tighter rulebook than an offshore site. Three rules do most of the work for a reader choosing where to claim a sign-up bonus.

GAMSTOP is the national self-exclusion register. Every GB-licensed online operator must take part in it. Anyone who has signed up to GAMSTOP for six months, one year or five years cannot open an account, deposit, or play at any participating brand for the period chosen. The exclusion cannot be cancelled early. A bonus page that lists only offers is not telling the reader the most important fact about those offers: they cannot be claimed by anyone currently self-excluded, and the moment a player needs that line of defence is precisely the moment a glossy headline feels tempting.

Identity verification is mandatory before the first deposit or any play. Name, address and date of birth are checked, and the check must pass before the account can do anything gambling-related. Since 7 May 2019 that verification has been a licence condition, not a courtesy. A no-deposit bonus offered to a brand that skips this step is, by definition, not a UK-licensed brand — and the absence of the check is itself the signal.

Deposit limits are player-set but operator-enforced. The Commission does not set a default deposit ceiling; instead, every licensee must prompt a new customer to set a financial limit before the first deposit. From 31 October 2025 that prompt is itself a licence condition. Auto-play is banned, a slot spin cannot run faster than 2.5 seconds, and “losses disguised as wins” — the celebratory sound and animation for a stake-sized net loss — are no longer permitted. The maximum stake per game cycle is £5 for players aged 25 and over (from 9 April 2025) and £2 for 18-24-year-olds (from 21 May 2025). The cap shapes what a sign-up bonus can ask a player to do, and it is the reason wagering requirements are now measured in tens rather than the high double digits that were common before 2024.

A financial vulnerability check runs at £150 net deposits in a rolling 30 days, using public data only, and was introduced on 28 February 2025. It is a soft friction: a prompt, not a block. National Gambling Helpline (GamCare) and GambleAware are the routes the licensee must surface in plain sight. The GamCare national helpline and the GambleAware signposting exist alongside a Commission complaints route that an offshore brand does not offer.

Payments, payout speed and the deposit side of the offer

Most sign-up bonuses in the UK are deposit-gated: the player pays in first, the bonus lands after, and the offer is unlocked by that first deposit. The mechanics of getting the deposit in and the winnings out matter more than the headline figure, because they are where delays, fees and limits surface.

Debit cards and bank transfers through the Faster Payments Service are the default. Faster Payments has run since 2008, operates 24/7 and typically arrives instantly or within a couple of minutes, with an upper end of about two hours for the rare slow case. The scheme itself permits up to £1,000,000 per transaction, though individual banks impose their own lower limits. The Bank of England oversees the system’s safety and provides final settlement; it is not itself a participant. For a casino withdrawal, Faster Payments is the rail that explains same-day payouts at the better-run UK brands.

Apple Pay is the dominant mobile wallet at UK-licensed casinos and was added to UK-issued cards on 14 July 2015, having launched in the United States on 20 October 2014. It protects the card number by tokenisation — the real PAN is replaced by a device-specific tokenised Device Primary Account Number and each transaction generates a dynamic security code. In-store, it works through NFC; on the web and in apps, it works through the device’s authentication: double-clicking the side button on a Face ID iPhone, or the Home button on Touch ID models. Apple itself notes that a supported card from a participating issuer is required and that the service is not available in every market. The deposit side is the part of Apple Pay that matters for a sign-up bonus: it is fast, it is device-bound, and it is the way most UK players under 35 now fund a casino account.

Credit cards are banned for gambling in Great Britain. From 14 April 2020 the Gambling Commission prohibited the use of credit cards to fund any gambling product online or offline, except non-remote lotteries paid for face-to-face. The ban extends to credit cards routed through e-wallets, so a brand that offers “Apple Pay via a credit card” is offering nothing legal. The Commission’s 2018 estimate was that around 800,000 UK consumers used credit cards to gamble; 22% of online gamblers who funded play with credit cards were classed as problem gamblers, which is the figure the ban was built on.

AstroPay is the other wallet that turns up at UK-licensed brands aimed at international or LATAM-facing players. It was founded in 2009 in Uruguay and operates as a global digital wallet offering online payments, virtual and physical debit cards, and peer-to-peer transfers. Its UK entity, Larstal Limited, is an electronic money institution authorised by the Financial Conduct Authority under the Electronic Money Regulations 2011; its Isle of Man entity, AstroPay Global (IOM) Limited, is licensed by the Isle of Man Financial Services Authority; its Brazilian arm is authorised by the Brazilian Central Bank; and its Danish arm, Larstal Denmark ApS, is authorised by the Danish Financial Supervisory Authority. AstroPay spun off its payment-processing arm, dLocal, as a separate company in 2016. A UK player funding through AstroPay sits inside the FCA-authorised UK entity; that matters for any complaint route when a withdrawal stalls.

The withdrawal side is where a sign-up bonus turns into real money. Three layers decide the speed. First, the payment rail — Faster Payments and most debit card withdrawals are same-day at well-run UK brands; Apple Pay cashouts sit behind the issuing bank’s processing window. Second, the operator’s internal pending period — the gap between requesting a withdrawal and the operator actually releasing the funds, which can be hours or days. Third, any bonus-related lock, where unconverted bonus funds or wagering still to clear delay the cashout. A bonus with a 10x wagering factor and an unsettled balance is the commonest reason a same-day payout slides into the next working day.

What the sign-up bonus is, and what the 10x cap changed

A “casino sign up bonus” in UK marketing is a small bundle: a deposit match on the first deposit, sometimes paired with free spins on a named slot, occasionally a no-deposit variant where a small bonus or a handful of spins lands on registration alone. The shape has converged because the rules have.

The bonus is a marketing cost that the operator writes off against future player losses. The wagering requirement is the player-facing side of the same instrument: it is the number of times the bonus must be staked before winnings become withdrawable. A 10x requirement on a £100 bonus means £1,000 must be wagered before any winnings convert to cash. Before 19 December 2025 the UK market commonly carried wagering factors of 30x, 40x or 50x; from that date the cap is 10x for any bonus offered to UK players, and mixed-product bonuses — the “bet on sport, get casino spins” bundle — are banned.

The 10x cap is the single largest change to the UK sign-up market in the last decade, and it is the reason a 2026 page reads differently from a 2023 one. Where a £100 bonus at 35x once demanded £3,500 of wagering, the same bonus at 10x demands £1,000. The player still loses on average — the house edge on slots sits in the low single digits per spin — but the bonus now converts to withdrawable cash at roughly a third of the time. It also means that the headline number on the offer, the £/$ amount, has had to come down to fit the cap: a £500 bonus at 10x is still £5,000 of turnover, which is a working week’s worth of slot play for most recreational accounts.

The free-spin side of a sign-up bundle carries its own rule set. Free-spin winnings used to be locked behind their own wagering factor — sometimes 40x or more, sometimes a flat cap on what could be cashed out from the spins. The 10x cap covers free-spin winnings too, where the bonus terms treat them as bonus funds, and the spin value is set by the operator. The result is that a sign-up offer in 2026 is most often a deposit match of £25–£100 paired with a small number of free spins on a single named slot, with the combined wagering running at 10x and a defined expiry window.

A no-deposit sign-up bonus is a different instrument and a smaller one. It is a handful of free spins or a small fixed bonus (often £5–£10) credited on registration alone, with the same 10x wagering factor and the same expiry. The bonus is real money in the sense that the operator must honour it, but the wagering requirement means that the actual cashout is small for almost any player. The instrument exists primarily as an acquisition tool — the operator pays a small amount to a player who has not deposited to learn whether that player will deposit later. For the player, the no-deposit variant is a way to inspect the site without risking the bankroll; it is rarely a route to a meaningful payout.

The expiry is where most of the value of a sign-up bonus is lost. A 10x bonus that is not converted within seven days is converted by the clock, not the player: the bonus funds and any winnings tied to them are removed. The marketing pages rarely lead with the expiry; the small print always carries it. A reader who is comparing offers is well advised to put the expiry at the top of the comparison, because the wagering factor matters only inside the window.

A worked example under the 10x cap

Take a £100 deposit match at 10x wagering, played entirely on a slot with a 96% return-to-player, at the £2 stake cap that applies to players aged 18-24, or £5 for 25 and over. The turnover the bonus demands is £100 × 10 = £1,000. At a £2 stake that is 500 spins; at £5 it is 200 spins. A 5-second interval per spin — the minimum spin pace after the 2.5-second rule and an allowance for the reality check prompt — gives 2,500 seconds at £2 stakes, or about 42 minutes, and 1,000 seconds at £5 stakes, or roughly 17 minutes. The expected loss on that turnover, applying the house edge of 4% to £1,000 of wagering, sits at £40 on average — the statistical cost of clearing the bonus, before any winnings are counted.

The conclusion this calculation earns is narrow. At the 10x cap and a 96% slot, a £100 sign-up bonus typically costs the player around £40 in expected loss to clear, with the bulk of the play compressed into under an hour. A bonus advertised at three times the headline (£300 at the same cap) costs three times as much in turnover but takes the same share of the bonus in expected loss; the conversion rate of bonus to cash is what changes, not the absolute price. The honest framing for a player is that a 10x bonus is now a small, fast, mostly mechanical exercise, not a free ride, and the operator writes the offer assuming the average player loses more than the headline bonus on the way through.

Ranking the ten featured brands by what the register actually says

The ten brands below are taken from the Gambling Commission’s public register, which on 18 September 2026 listed 139 businesses holding an active remote casino operating licence. Each brand is here because its domain appears on that register against a named licence account. Several brands can sit under one licensee: Ladbrokes and Paddy Power are not the same company even when they share infrastructure, and Ladbrokes and Betfair sit under the same parent in some places but here are licensed through different accounts. The table below is a side-by-side of what the register says and nothing more; bonus terms are not carried by research and so are not added here.

The spread of the table is the spread of the register. Active means the domain is run by the named licence account in its own name; White Label means the domain trades under another company’s licence, which is exactly what Virgin Games does under Gamesys Operations Limited. Paddy Power and Betfair share a licence account (PPB Games Limited) but each runs its own domain under it; Virgin Games and Jackpotjoy share a different account (Gamesys Operations Limited) with the same pattern. Two companies cover four of the ten brands here, which is the structural fact a reader is unlikely to learn from any single brand’s homepage.

Grosvenor Casinos

Grosvenor’s online casino is licensed through Rank Interactive (Gibraltar) Limited on account 57924, with Grosvenor Casinos listed as an active domain against the active remote casino operating licence 057924-R-334666-005. The brand has a UK high-street footprint that the online site echoes; the licence account is one of the smaller ones by domain count, which makes a reader more likely to be dealing with the operator directly rather than through a white-label partner. For a reader who values a UK-recognised name over a long list of features, the licence is the clearest single piece of evidence on the page.

Betfred

Betfred’s online casino runs on account 39544, held by Petfre (Gibraltar) Limited, under the active remote casino operating licence 039544-R-319290-010, with Betfred listed as an active domain. Betfred is a UK bookmaker that built out a casino product alongside its sportsbook, and the licence account is one of the more established ones on the register by account number. A reader comparing sign-up offers here is well advised to read the casino-side terms separately from the sportsbook terms, because they sit on the same licence but carry different bonus mechanics.

32Red

32Red runs under Platinum Gaming Limited, account 45322, with the active remote casino operating licence 045322-R-324275-019 and 32red listed as an active domain. 32Red is one of the longer-standing casino-first brands on the UK market and is not a bookmaker; the licence account is dedicated to the casino side. For a reader whose comparison is “casino versus casino” rather than “casino versus sportsbook”, this is the more useful structural match.

BetVictor

BetVictor sits on account 39576, held by BV Gaming Limited, with the active remote casino operating licence 039576-R-319370-028 and BetVictor listed as an active domain. Like Betfred, BetVictor is a sportsbook-rooted brand with a casino product attached. The licence account is the parent’s, and the same caveat applies: the casino-side bonus terms are the ones that govern the casino sign-up offer, not the sportsbook welcome.

William Hill

William Hill is licensed through WHG (International) Limited on account 39225, with the active remote casino operating licence 039225-R-319373-015 and William Hill listed as an active domain. The licence account number is among the earliest on the register, which reflects the brand’s age in the UK market. A reader will meet William Hill’s casino sign-up offer alongside its sportsbook welcome; the two share a corporate parent but the bonus terms run separately.

Virgin Games

Virgin Games is listed as a white-label domain of account 38905, held by Gamesys Operations Limited, which carries the active remote casino operating licence 038905-R-319430-022. White-label is the structural point here: Virgin Games trades under Gamesys’s licence, not its own. The bonus terms, the safer-gambling infrastructure and the complaints route all sit with Gamesys Operations Limited as the licence holder. For a reader who values a household-name brand over a more boutique one, this is a structural reason to read the small print: the operator behind the offer is the licence holder, not the brand on the homepage.

Ladbrokes

Ladbrokes runs under LC International Limited, account 54743, with the active remote casino operating licence 054743-R-330863-014 and Ladbrokes listed as an active domain. The LC International account is also the licence account for several other well-known UK-facing brands; a reader who knows the broader UK market will recognise the parent. The casino sign-up offer here sits on a multi-brand licence account, which is normal at this scale but worth noting when comparing complaint routes and safer-gambling infrastructure.

Paddy Power

Paddy Power runs under PPB Games Limited, account 39411, with the active remote casino operating licence 039411-R-319335-010 and Paddy Power listed as an active domain. PPB Games Limited is also the licence account for Betfair, and a reader comparing offers between the two brands is comparing offers that ultimately run on the same licence account; the bonus terms are written separately at each brand.

Betfair

Betfair sits on the same licence account as Paddy Power — PPB Games Limited, account 39411, with the active remote casino operating licence 039411-R-319335-010 — with Betfair listed as an active domain. The shared licence account is the structural fact: the two brands are licensed identically, and the difference between their offers is product and marketing rather than the operator behind the licence.

Jackpotjoy

Jackpotjoy runs under Gamesys Operations Limited, account 38905, with the active remote casino operating licence 038905-R-319430-022 and Jackpotjoy listed as an active domain. Jackpotjoy shares a licence account with Virgin Games and is the active side of the same operator. The same caveat that applies to Virgin Games applies here: the licence holder is Gamesys, and that is where any safer-gambling, complaints and bonus-term responsibility sits.

The wider UK online casino landscape

A reader who has only ever seen sign-up bonuses through marketing pages can mistake the UK market for a small set of household names. The register on 18 September 2026 listed 1,065 active and 361 white-label domain entries — over 1,400 sites in total — under 139 licence accounts. The white-label figure is the structural surprise: more than a fifth of the domains on the register trade under another company’s licence, and a reader who has never heard of the underlying licence holder is, in effect, the customer of that licence holder for the duration of the account.

The licence number format is itself a tell. A remote casino licence on the register has the form account-R-number-suffix, where the leading six digits repeat the licence holder’s account number and the “R” marks a remote (online) licence. The format is public, machine-readable, and downloadable as a CSV or Excel file from the Gambling Commission’s website. A reader who wants to check whether a brand is licensed is not asked to take the brand’s word for it: the file is the test.

The legal frame that surrounds the register is two statutes. The Gambling Act 2005 covers Great Britain — England, Scotland and Wales, not Northern Ireland — and is the basis for the Commission’s powers. The Gambling (Licensing and Advertising) Act 2014 closed the previous offshore carve-out: any operator taking customers in Great Britain must hold a Commission licence wherever it is based. A Curaçao, Maltese or Gibraltar licence is not a substitute; the holding company can sit anywhere, but the licence that allows it to take GB customers is the Commission’s. Two of the licence holders in the table above — Rank Interactive (Gibraltar) Limited and Petfre (Gibraltar) Limited — are Gibraltar-domiciled, which is the structure the 2014 Act anticipated.

How the UK licensing regime shapes a sign-up bonus

The licence is what makes a UK sign-up bonus materially different from an offshore one, and the obligations it imposes are the ones a reader should weigh before claiming any offer.

Identity is the first obligation. A UK-licensed operator must verify name, address and date of birth before the first deposit or any play. The check runs against public data and against the operator’s own records, and the result gates the account. The check is what stops a self-excluded player from opening a new account under a new email; it is what stops an underage player from funding an account with a parent’s card; and it is what makes a no-deposit bonus effectively anonymous-proof by design. An offshore brand that does not run the same check is not offering a “UK casino bonus” in the regulated sense — it is offering an unregulated product that happens to be reachable from a UK IP address.

Self-exclusion is the second. GAMSTOP has been a mandatory condition of every online licence since 31 March 2020, with exclusion periods of six months, one year or five years. The exclusion cannot be cancelled early, and the operator must check the register before allowing any play. A player who has self-excluded and finds a brand that does not check GAMSTOP has found an unlicensed brand; the offer is not enforceable in any UK complaints route.

Affordability and financial vulnerability are the third. From 28 February 2025, financial vulnerability checks run at £150 net deposits in a rolling 30 days, using public data only. The check is a prompt, not a block; the player can decline to engage with it, but the operator must record that the prompt was issued. The wider financial risk assessments the Commission has signalled are not yet in force, so the current rule is the public-data check at the £150 threshold, plus the deposit-limit prompt that has been a licence condition since 31 October 2025.

Marketing and bonus design are the fourth. The 10x wagering cap from 19 December 2025 applies to every sign-up bonus offered to UK players, including free-spin winnings where the operator treats them as bonus funds. Mixed-product bonuses — “bet £10 on sport, get 50 casino spins” — are banned. The cap is what has compressed the headline size of UK sign-up offers over the last two years: a 10x cap and a £100 bonus is workable; a 10x cap and a £500 bonus is the same turnover in three times the headline, and operators have rebalanced toward the smaller, cleaner offer. Anonymous play is not possible at a licensed site, because identity has to be verified before play; an “anonymous” sign-up bonus is by definition not a UK-licensed one.

The player-facing consequences of these rules are the parts a reader notices. A UK sign-up bonus is smaller in headline than an offshore equivalent, but it converts to cash faster, it sits inside a complaints route the Commission oversees, and it cannot be claimed by someone who has chosen self-exclusion. The trade is real and it is the reason this page exists: a reader choosing between a “best casino sign up bonus UK” search result and an offshore alternative is choosing between two regulatory regimes, not two marketing pages.

Offshore alternatives and the protection a UK player gives up

Providing gambling to people in Great Britain without a Commission licence is an offence under section 33 of the Gambling Act 2005. The Commission does disrupt illegal sites — cease-and-desist notices, search-engine delisting, payment and hosting referrals — but it has no power to compel ISP-level blocking. No penalty is aimed at the player; the consequence falls on the operator.

The thing a player gives up by going offshore is protection, not penalty. No GAMSTOP, because the offshore brand is not part of the UK scheme. No Commission complaints route, because the Commission has no jurisdiction over the operator. No approved ADR (alternative dispute resolution), because the ADR is a Commission-accredited body and the operator is not licensed. No identity-verification guarantee, because the offshore brand is not bound by the same rule. No deposit-limit prompt at first deposit, because the safer-gambling code does not apply. The bonus headline may be larger and the wagering factor may be lower, but the player is funding play at a site that has none of the structural protections the licence installs.

The Commission has been explicit that disruption is ongoing. Search-engine delisting, payment-rail referrals and hosting-provider referrals have all been used against unlicensed brands targeting GB customers. A reader who has followed a sign-up bonus link to an unlicensed brand has followed a link the Commission is, in principle, trying to remove. That is not an argument the page makes on the player’s behalf; it is the structural fact that explains why the register matters.

What “best” means when the offer is constrained

A “best” ranking on a constrained product is a comparison of clean trade-offs, not of headline size. Three constraints shape what the best looks like in 2026: the 10x wagering cap, the slot stake cap (£2 for 18-24, £5 for 25+), and the mandatory safer-gambling infrastructure. A fourth, the expiry window, is operator-set but always present.

The cleanest trade-off the cap produced is on conversion speed. A £25 bonus at 10x demands £250 of wagering, which at a £2 stake is 125 spins — about ten minutes of play at the 5-second interval. A £100 bonus at 10x demands £1,000, which at £5 stakes is 200 spins — about seventeen minutes. Both are short exercises by historical UK market standards. The conversion rate of bonus to withdrawable cash has improved at the same time, because the smaller turnover means the house edge takes a smaller absolute bite.

The constraint the cap did not relax is the expiry. A bonus that is not converted within seven days is converted by the clock. A reader who plans to claim a sign-up offer and return to it over a weekend is making a decision the offer does not support. The expiry is the operator’s defence against a player who would otherwise sit on the bonus indefinitely, and it is the single commonest reason a sign-up bonus is wasted.

The constraint the register imposes is structural. A bonus at an unlicensed site is not a “best casino sign up bonus UK” — it is a bonus at an unlicensed site. The reader’s first filter is the licence, not the headline.

How to read a UK sign-up bonus offer

Three clauses in any UK sign-up bonus small print determine whether the offer is worth the time the player puts in. The first is the wagering factor, which should sit at 10x or below. Anything above 10x is from a non-UK offer; the operator cannot legally run it. The second is the expiry, which should be at least seven days. Anything shorter compresses the wagering into a window most recreational accounts cannot meet. The third is the game contribution, which lists the percentage of each stake that counts toward wagering: slots usually contribute 100%, table games often contribute less or zero. A 10x wagering factor on slots and 0% on roulette is a bonus that effectively cannot be cleared at the roulette table.

The deposit side is the second filter. A deposit match that pays out bonus funds only — not withdrawable cash — needs the wagering to convert. A deposit match that pays out cash plus bonus funds needs the bonus portion to be wagered. The latter is rarer in the UK market now the cap is in force; the former is the dominant shape, and the conversion is what the wagering factor describes.

The free-spin side is the third. Free-spin winnings, where treated as bonus funds, sit under the same 10x cap. Free-spin value is set by the operator; free-spins on a 96% slot at £0.10 per spin over 50 spins is £5 of stake at the slot’s return rate, which means the bonus side of the offer is small and the wagering factor does most of the work.

The verification side is the fourth. A UK-licensed brand will ask for ID before the first deposit or any play. The check is not the brand being difficult; it is the licence being enforced. A brand that lets the player deposit and play before the check is, again, not running a UK-licensed product.

Player protection in one place

National Gambling Helpline (GamCare) is the route for anyone whose gambling has stopped being fun. GambleAware is the body that funds treatment, education and research. The Commission’s complaints route is for disputes with a licensed operator that the operator’s own customer service has not resolved; the ADR is the next step, and the ADR’s decision is binding on the operator but not on the player. GAMSTOP is the self-exclusion register itself; the exclusion is the single most effective tool a player has, and it cuts across every UK-licensed brand simultaneously. The safer-gambling code under the licence is what makes each of these a real option rather than a marketing link.

Frequently asked questions about UK sign-up bonuses

What counts as the best casino sign-up bonus in the UK right now?

The “best” sign-up bonus in 2026 is the one with the cleanest trade-off between headline size and conversion speed, which means a wagering factor at or below the 10x cap, an expiry long enough to clear it, and a game contribution that lets slots count in full. The licence comes first; the headline is the second filter.

Does a UK casino need a Gambling Commission licence to offer a sign-up bonus?

Yes. Any operator taking customers in Great Britain must hold a Gambling Commission licence, regardless of where it is based, under the Gambling (Licensing and Advertising) Act 2014. A Curaçao or Maltese licence is not a substitute, and a “UK casino” without a UK licence is offering an unregulated product.

Is a no-deposit sign-up bonus different from a deposit-match sign-up bonus?

A no-deposit bonus lands on registration alone — typically a handful of free spins or a small fixed bonus — while a deposit match pays out on top of the player’s first deposit. Both sit under the same 10x wagering cap and the same expiry rules; the no-deposit variant is smaller in headline and is paid for by the operator as an acquisition cost rather than a deposit match.

How much wagering applies to a typical sign-up bonus under the UK’s current cap?

From 19 December 2025, every sign-up bonus offered to UK players carries a maximum 10x wagering requirement. Free-spin winnings, where treated as bonus funds, are included. Mixed-product bonuses — sport bet for casino spins — are banned.

Does a sign-up bonus expire if it is left unused?

Yes. The expiry window is operator-set but is always present; bonuses that are not converted within the window are removed by the operator, along with any winnings tied to them. A weekend return to a mid-week bonus is a common way to lose the offer.

Can a sign-up bonus be claimed more than once on the same account?

No. A sign-up bonus is a one-per-account offer, tied to the identity check that gates the account in the first place. A second account at the same brand is a second identity, and the Commission’s verification rules are designed to prevent the second account from passing that check.