UK Non GamStop Casinos - Discover New Casinos for British Players

Best non GamStop casinos: what this ranked list covers

The ten brands above are the publisher's selection, presented in the publisher's order with editorial ratings. This page does not claim to have opened accounts, deposited or timed withdrawals, so the ratings should be read as editorial scores rather than independently measured performance. Offer details were supplied as of 29 September 2026 and can change without notice.

If you are searching for the best non gamstop casinos, the useful question is not who shouts loudest but whose terms hold up. The sections below profile each brand, then explain licensing, bonuses, payments, verification, games, sports betting and account controls, so you can judge any casino not on gamstop for yourself. Links to operators on this page are commercial partner links, and no ranking here proves one casino is safer or better than another for you.

Nothing here is aimed at anyone who is currently registered with GAMSTOP. If you have excluded yourself, that decision was made to protect you and this guide is not a route around it. Gambling is for adults aged 18 and over.

Reviews of the best casinos not on GamStop, in ranked order

Each profile starts with what matters for that brand, then gives a data table. In the tables, "Not confirmed" means the publisher supplied no verified figure, so we have not filled the gap with a guess. Ranking position, editorial rating, headline offer and the currency the offer is quoted in come from the supplied list. Wagering requirements, minimum deposits, payout times, game counts, providers and launch years must be checked in each casino's own terms before you deposit.

1. Betmica

Betmica sits first with a 10.0 editorial rating and the largest percentage among the pound-denominated offers: 570% up to £5,700 plus 270 free spins. A percentage that high means the bonus is a multiple of your deposit, so the wagering requirement, and whether it applies to bonus only or deposit plus bonus, matters far more than the headline. Because the offer is quoted in pounds, GBP account support looks plausible, but the account currency itself is not confirmed.

The supplied information does not say how the package is split across deposits, how long the spins last or what the cashout cap is. Those are the three points to read first.

Pros

• Highest editorial rating in the supplied list
• Offer quoted in pounds, so no euro or dollar conversion is implied by the headline
• Large free spins allocation for slots players
• Bonus ceiling gives room for a staged deposit approach

Cons

• Wagering, expiry and cashout terms are not confirmed in the supplied information
• A very high percentage can carry stricter conditions, so read the fine print
• Licence details were not supplied and need checking on the exact domain

2. Kikibet

Kikibet's draw is spin volume: 350% up to £5,555 plus 300 free spins, the biggest spin count of the pound-quoted packages. That suits slots players who would rather have more rounds than a larger cash match. The rating is 9.9.

The offer is written with the currency after the figure, which is a small reminder to confirm the account currency in the cashier and not assume it. Nothing supplied describes the games, payment methods or licence, so those remain open questions.

Pros

• 300 free spins is the largest spin count among the pound-quoted welcome offers
• Moderate percentage compared with the very highest matches, which can mean less bonus to clear
• Rated 9.9, joint second in the list

Cons

• Value per free spin is not supplied, so 300 spins cannot be priced
• Payment methods and withdrawal limits are not confirmed
• Free spins winnings often carry their own wagering, which should be checked

3. Betninja

Betninja stands apart because its welcome offer is a flat sum rather than a percentage: a £1,000 bonus and 100 free spins "to all new players". A flat figure is easier to picture, but the wording leaves open whether it is released in stages, whether a qualifying deposit is needed and how large that deposit must be. Rated 9.9.

It may suit readers who prefer a defined bonus to a multiplier. The catch is the same as everywhere: the headline says nothing about wagering, game contribution or maximum bet.

Pros

• A fixed £1,000 bonus is simple to understand at a glance
• Offer is stated to apply to all new players
• Pound-quoted, with a free spins add-on

Cons

• How the £1,000 is triggered or split is not shown in the supplied information
• Fewer free spins than most others in the list
• Wagering and cashout terms are not confirmed

4. WinnerIsland

WinnerIsland offers a welcome bonus up to €1,000 plus 100 free spins, rated 9.9. It has the lowest bonus ceiling of the top four, which cuts both ways: a smaller maximum tends to mean a smaller deposit is needed to reach it and less bonus balance tied up in wagering.

The offer is in euros. For a UK reader with a sterling bank account, that raises currency conversion: check whether the casino lets you hold a GBP balance or whether your card issuer applies a foreign transaction fee on each deposit.

Pros

• Lower bonus ceiling may suit cautious depositors
• Still includes 100 free spins
• Rated 9.9 in the supplied ranking

Cons

• Euro-quoted offer, so conversion and possible bank fees need checking
• Smallest headline value among the top four
• Percentage match, wagering and expiry are not confirmed

5. Zombillion

Zombillion's "welcome pack" is 250% up to £4,000 plus 200 free spins, rated 9.8. The word "pack" usually signals a multi-step reward, so this is a brand where you need to establish whether the 250% applies to a first deposit only or is spread across several.

It is pound-quoted and sits in the middle of the pound offers on both percentage and cap, which makes it a reasonable reference point when comparing the more extreme packages.

Pros

• Balanced mix of cash match and 200 free spins
• Pound-quoted offer
• More moderate multiplier than the highest-percentage packages

Cons

• Whether the pack spans several deposits is not confirmed
• Free spin value and eligible games are unknown
• No supplied information on licence, payments or limits

6. Smash Casino

Smash Casino leads with a 600% up to €10,000 Slots Welcome Package, rated 9.7. The label matters: a slots-specific package is aimed at slot players, and table or live games may contribute little or nothing to wagering. If your preference is blackjack or roulette, this is the sort of bonus that can work against you.

The €10,000 ceiling is the joint highest in the list, and it is quoted in euros, so the sterling value moves with the exchange rate.

Pros

• Designed around slots, which suits slot-focused players
• Very high ceiling for larger, staged deposits
• Rated 9.7 in the supplied ranking

Cons

• A slots package may exclude or under-count table and live games
• Euro-quoted, so conversion applies for sterling accounts
• Wagering, maximum bet and expiry are not confirmed

7. Nightluck

Nightluck's offer is written as "€6,400 + 280 FS + 805%", which is hard to interpret without the terms. The figures most likely describe a multi-stage package with different percentages at different deposits, but that is inference, not confirmed detail. Rated 9.7.

The lesson here is practical: when a bonus is written in shorthand, ask what triggers each part, whether the 280 spins come with the first deposit and whether the 805% is a combined figure or a single match.

Pros

• A sizeable package with both a cash element and 280 free spins
• Rated 9.7 in the publisher's ranking
• Structure may reward players who deposit in stages

Cons

• Offer structure is unclear from the supplied wording
• Euro-quoted, so conversion may apply
• Terms on wagering, expiry and caps are not confirmed

8. CoinPoker

CoinPoker is the only supplied offer quoted in US dollars: 150% up to $2,000, rated 9.7. The name and dollar figure point towards a crypto or poker-oriented product, but the supplied information does not confirm what games, payment methods or sports features the site offers, so do not assume it works like a conventional slots-led casino.

For a UK reader, a dollar-denominated offer raises the sharpest conversion question of the ten. Establish what currency your balance is held in and how deposits and withdrawals are converted before you commit funds.

Pros

• Lower percentage match, which typically leaves less bonus to wager
• Distinct product profile from the slots-led packages above
• Rated 9.7 in the supplied ranking

Cons

• Dollar-quoted, so conversion from sterling is likely to apply
• Game range and product focus are not confirmed
• No supplied detail on wagering, limits or licence

9. Rivo

Rivo is the only brand in the list whose headline pairs a welcome package with ongoing cashback: a slots welcome package of 1000% up to €10,000 plus 25% cashback. Cashback is a return on losses, not a win, and its value depends on the period, whether it is paid as cash or bonus, and whether it carries wagering. Rated 9.5.

The 1000% multiplier is the highest in the list, so the same warning applies: the size of the multiple makes the wagering terms decisive.

Pros

• Cashback element continues value beyond the first deposit
• Slots-focused package with a high ceiling
• Highest multiplier in the supplied list

Cons

• Cashback rules, period and any wagering are not confirmed
• Euro-quoted, so sterling players face conversion
• Slots-specific terms may limit other game types

10. Daytonaspin

Daytonaspin closes the list with 255% up to £4,500 plus 255 free spins, rated 9.5. The matching 255 figures are a neat structure, and the pound-quoted cap is the second highest of the sterling offers. It is a straightforward package to compare against Zombillion and Kikibet on a like-for-like GBP basis.

As with the rest, the supplied information does not cover wagering, payment options or licensing, so the rank reflects the publisher's editorial score rather than proven terms.

Pros

• Pound-quoted cap and spins, easy to compare with other GBP offers
• Generous spin allocation alongside a moderate percentage
• Simple package structure

Cons

• Lowest editorial rating of the ten
• Wagering, expiry and cashout limits are not confirmed
• Licence and payment details need checking before depositing

What are casinos not on GamStop?

GAMSTOP is the free national self-exclusion service for gambling in Great Britain. When you register, every operator licensed by the UK Gambling Commission must block you for the period you chose: six months, one year or five years. Casinos not on gamstop are simply sites that do not participate in that scheme, almost always because they are licensed elsewhere.

The term non gamstop casino is a description of what a site is not connected to, not a quality mark. It says nothing about fairness, payout reliability or how complaints are handled.

Non GamStop, offshore and no-KYC are different claims

• Non GamStop means the operator is not connected to the GAMSTOP scheme.
• Offshore refers to where the licence and company are based. An offshore casino may hold a respectable licence or a weak one.
• No KYC is a marketing claim that identity checks are light or absent. It is the least reliable of the three, because verification requirements can be triggered later.

Great Britain and the United Kingdom are not the same for gambling regulation. The UK Gambling Commission regulates gambling in Great Britain (England, Scotland and Wales). Northern Ireland has separate legislation. This matters when a site says it "accepts UK players": accepting registrations is not the same as being authorised to serve them.

What the label does not establish is any protection. If you are on GAMSTOP, these sites are not the answer. If gambling is causing you harm, the better step is to stay excluded and speak to GamCare.

How non GamStop casinos differ from UKGC-licensed casinos

The difference is regulatory, and it shows up in five practical areas. The comparison below is general: individual overseas licensees vary widely, so it describes typical differences, not rules that apply to every site.

Where overseas sites can offer more flexibility

Larger welcome packages, a wider range of payment options and fewer product restrictions are the usual attractions. Many uk online casinos that hold a UKGC licence are more constrained, and some readers value that flexibility.

Where the trade-off shows up

A bigger bonus is only useful if the terms let you withdraw. Weaker complaint routes and no GAMSTOP link mean fewer safety nets if something goes wrong. That is not to say every offshore casino is unreliable; it means the burden of checking rests more heavily on you. Compare terms carefully, particularly wagering and cashout limits, before treating a large headline as an advantage.

How we reviewed these non GamStop casinos

The assessment is based on the publisher's supplied selection, ranking, editorial ratings and offer details, plus a checklist of criteria applied to each brand. It does not involve hands-on deposits, tested withdrawals or contact with support teams, and nothing on this page should be read as if it did.

The criteria we use

• Ownership. Who owns and operates the casino, and whether the operating company matches the licence holder. Casino ownership is often disclosed in the footer and terms; where it is not, that is worth noting.
• Licence verification. Whether the licence number, issuer and legal entity match the exact domain you are visiting.
• Clear terms. Wagering, game contribution, maximum bets, expiry and cashout caps stated plainly.
• Complaint patterns. Whether a formal casino complaints procedure exists and whether an independent escalation route is named.
• Customer support. Channels offered, hours and languages, checked against the site's own description.
• Account controls. Deposit and loss limits, time-outs and self-exclusion.

Because the supplied data for these ten casinos does not cover most of these items, the reviews above say "Not confirmed" rather than filling gaps. That is a limitation of the evidence, not a finding about the casinos.

New casinos not on GamStop: extra caution

New casinos not on gamstop attract attention because they tend to launch with bold offers. Two things are easy to confuse. A new casino brand may be run by an established company that has simply launched another site; a genuinely new operator has no track record at all. Both look identical on a landing page.

Ask how long the operating company has been active, whether it runs other brands and what players say about those. Accept that a young brand has a limited record: fewer complaints can simply mean fewer customers, not better service.

Red flags to look for

• No named operating company or licence number, or a licence that does not match the domain
• Terms that are hidden, contradictory or change between pages
• Bonus conditions that only appear after you claim
• Pressure to deposit more to unlock a withdrawal
• Support that disappears once a withdrawal is requested
• Unrealistically high bonuses with no visible wagering figure

Common licences behind Curaçao casinos not on GamStop and other regimes

Online casino authorisation means a regulator has permitted a company to offer gambling under stated conditions. What that involves varies enormously. The descriptions below are general and reflect widely reported positions, so verify current rules with the issuing body, because regimes have been reforming.

How to check a licence properly

1. Find the licence number and issuer in the site footer or terms.
2. Match the legal entity named in the terms to the licence holder.
3. Check that the exact domain you are on is listed, not just the brand name.
4. Look for a named complaints route and any dispute service.
5. Confirm whether the licence permits service to Great Britain. Most overseas licences are not UKGC authorisation and do not make a site authorised to serve British customers.

Curaçao

Curaçao casinos not on gamstop are the most common category. Curaçao has historically been a light-touch, low-cost licensing centre and has been reforming its framework with a dedicated regulator. Protections are generally weaker than under the UKGC, and how a licence is issued, sublicensed or overseen matters. Check that the licence is current and held by the operating company.

Panama

Panama licences are commonly seen at offshore casinos and are generally regarded as low-barrier. Dispute options for foreign players are typically limited.

Malta

The Malta Gaming Authority is widely regarded as one of the more established regulators. Its licences carry defined player-protection requirements, but an MGA licence does not authorise service to Great Britain, which requires UKGC authorisation.

Estonia

Estonia licenses gambling operators through its national authorities and its licences are generally aimed at the domestic market. Any casino citing Estonia should be checked for whether its licence actually covers the audience it targets.

Anjouan

Anjouan, an autonomous island of the Comoros, has become a popular licensing base for newer offshore casinos. It is generally considered light-touch, so extra due diligence is sensible.

Tobique

Tobique refers to the Tobique First Nation in New Brunswick, Canada, which has been used for online gaming licensing. Its licences are less widely recognised, and readers should look for concrete evidence of oversight.

Kahnawake

The Kahnawake Gaming Commission operates from Mohawk territory in Quebec, Canada, and has a long history in online gaming licensing. It provides a regulatory framework and complaint process, but it is not the UKGC.

None of the licence details for the ten brands above were supplied, so we cannot say which regime any of them holds. Treat every claim as unverified until you have matched it to an official register.

Casino bonuses at UK online casinos not on GamStop: what each type is worth

Casino bonuses are conditional. The advertised sum is almost never what you can withdraw, and the difference is set by wagering requirements, game contribution to wagering, maximum bonus bets, bonus expiry dates and bonus cashout limits.

Welcome bonuses and deposit bonuses

Welcome bonuses reward a first deposit, and deposit bonuses reward later ones. A percentage match adds a share of what you put in up to a cap. The offers in this list range from 150% up to 1000%, and higher multiples generally mean more wagering to clear.

Check whether the requirement applies to the bonus alone or to deposit plus bonus. The distinction can change the total turnover dramatically.

Worked example (illustrative only)

Assume a £100 deposit with a 200% match, giving a £200 bonus, and a 35x wagering requirement. These are stated assumptions and not any operator's terms.

• Bonus only: 35 × £200 = £7,000 in stakes.
• Deposit plus bonus: 35 × £300 = £10,500 in stakes.
• Game contribution: if slots count 100% and blackjack 10%, £7,000 of requirement needs £70,000 of blackjack stakes.
• Maximum bet: at a £5 cap, £7,000 is 1,400 spins, so expiry matters. A 7-day limit means about 200 spins per day.
• Cashout cap: with a limit of 5× the deposit, the most you could withdraw from bonus wins would be £500, however large the balance.

Also check whether your own deposit is locked while the bonus is active. In some systems you cannot withdraw deposited money until wagering is done, and breaking a maximum-bet rule can void winnings.

Free spins

Free spins are usually tied to named slots at a fixed stake per spin. Their winnings normally arrive as bonus funds with their own wagering, and they expire quickly. A big spin count is less useful if each spin is worth 10p and the winnings carry a high multiple. Among the ten brands, spin counts range from 100 to 300, but the spin value is not supplied.

No-deposit bonuses

No-deposit bonuses give a small amount or spins without a payment. They are typically capped tightly, with a low maximum cashout and high wagering. No supplied offer here is a no-deposit offer, so treat any such claim you find elsewhere on these brands as something to verify.

Cashback bonuses

Cashback returns a percentage of net losses over a period. Rivo's 25% cashback is the only one in the supplied list. Ask whether cashback is real cash or bonus money, whether wagering applies and whether it is calculated on deposits or on net losses. Cashback reduces losses; it does not turn a losing session into a profit.

Loyalty rewards

Loyalty rewards typically include points, tiers, rakeback-style returns or personal offers. They can add value for regular players but can also encourage more play than intended. No loyalty scheme details were supplied for these brands, so check what the tiers require and whether points expire.

Payment methods at Paysafe casinos not on GamStop and other overseas sites

No payment methods were supplied for the ten brands, and a method being common in Britain does not prove a casino supports it. The table describes typical behaviour of well-known methods; confirm each in the cashier.

Debit card payments

Debit cards are familiar and quick for deposits. Withdrawals back to a card may not be offered, and your bank may decline gambling transactions to overseas merchants. Foreign-currency deposits can carry card fees.

Bank transfers

Bank transfers are common for withdrawals and larger sums. They tend to be slower, and the account name must match the casino account. Fees can apply at either end.

E-wallets and PayPal availability

E-wallets such as Skrill and Neteller can be quick, but some casinos exclude them from bonus claims. PayPal availability at offshore sites is uncertain, so do not register on the assumption it will be there.

Paysafecard and prepaid options

People searching for paysafe casinos not on gamstop are usually looking for prepaid deposits without card details. Paysafecard is typically deposit-only, so you will need a different route to withdraw, and identity checks still apply at cash-out.

Cryptocurrency payments

Crypto can offer fast settlement once approved, but the value can move sharply between deposit and withdrawal, and network fees apply. Crypto is not anonymous in a way that removes verification obligations.

GBP accounts, fees and currency conversion

A GBP account means your balance is held in pounds, so you avoid casino-side conversion. Offers quoted in euros or dollars, as several here are, suggest that conversion may apply. If a casino converts deposits and then converts winnings back, each step may carry a spread or fee. Look for a stated payment fee, a minimum deposit and a currency selection at sign-up.

Withdrawals, KYC and restrictions at non GamStop casino sites

Withdrawals have two separate clocks. The first is casino approval, when the operator reviews your request and any verification. The second is payment settlement, when the money moves through your chosen method. A casino advertising a fast payout may only be describing one of these.

Identity checks and source of funds

Do not assume non-GamStop means no verification. KYC and identity verification typically involve a photo ID, proof of address and sometimes proof of payment method ownership. Source-of-funds checks may be requested for larger sums, asking for payslips, bank statements or similar evidence. These are commonly triggered at first withdrawal.

Withdrawal limits

Withdrawal limits may be daily, weekly or monthly, and large wins can be paid in instalments. Check whether a limit applies to bonus winnings, since a cashout cap can override the headline figure.

Bonus restrictions that hold up payments

• Unfinished wagering blocks withdrawals or forfeits the bonus
• Exceeding the maximum bet can void winnings
• Certain payment methods may be excluded from bonuses
• Requests for cancellation of a bonus may forfeit associated winnings

Common delays and disputes

Typical delays include document rejection, mismatched names, weekend backlogs and extra checks. For withdrawal disputes, collect screenshots, keep every message, use the casino's formal complaints procedure and then escalate to the licensing body or any named dispute body. Instant withdrawals are never guaranteed, and this page has no tested payout times to quote.

If you need to reach us about something on this page, use Get in Touch With Us.

Games not on GamStop: slots, live dealer and table games

Games not on gamstop are the same kinds of games you would find anywhere, delivered by a casino outside the scheme. The important differences are version-specific: the same title can run at different settings on different sites.

Slots not on GamStop

Slots not on gamstop include classic reels, video slots, Megaways-style titles and progressive jackpots. Popular titles you will often see across casino sites include Starburst, Book of Dead, Gates of Olympus, Sweet Bonanza, Big Bass Bonanza and Mega Moolah, though availability at each of the ten brands was not supplied.

• Return to player (RTP): the long-run percentage returned across many spins. Many games come in several RTP versions, so check the game's information screen on the exact site.
• Slot volatility: low volatility pays smaller wins more often; high volatility pays less often but can pay larger amounts. It affects how quickly a bonus balance can disappear.
• Progressive jackpots: a prize pool grows with each stake. Odds of winning are very low, and jackpot games are sometimes excluded from bonus play.
• Mobile casino games: most modern slots run on phones through the browser, though app availability and device compatibility should be confirmed.

Live dealer and table games

Live dealer games stream real dealers from a studio, and table games can also be played as RNG (computer-generated) versions.

• Blackjack: the house edge depends on rules and how you play; side bets normally raise it.
• Roulette: European wheels (one zero) are better for the player than American ones (double zero).
• Baccarat: a simple banker-or-player format; check commission rules on banker bets.

Table and live games often contribute little to wagering, which matters if you are clearing a slots-led bonus.

Why game counts and logos prove little

A "thousands of games" claim says nothing about quality, and a provider logo does not prove a game is genuine or running at a fair setting. Look at whether a title is served from the provider's own system, what RTP is displayed and whether a game is available in the UK. Regional availability varies by casino and licence.

Whether you use online casinos or a single brand, check games for the RTP and volatility shown in the game rules screen, not marketing pages.

Game providers at non GamStop casinos

Providers are the studios behind the games. No provider list was supplied for the ten brands, so the following are the names most often associated with online casino libraries. Their presence at a specific casino must be checked.

• Pragmatic Play: widely known for slots such as Gates of Olympus and Sweet Bonanza, plus live casino.
• Novomatic: known for land-based-style titles, including Book of Ra.
• Evolution Gaming: a leading live dealer studio for blackjack, roulette and baccarat, and game shows.
• Playtech: a broad supplier of slots, live games and platform technology.
• NetEnt: associated with Starburst and polished video slots.
• Play'n GO: creator of Book of Dead and many mobile-friendly slots.
• Big Time Gaming: originator of the Megaways mechanic, with typically high volatility.
• Microgaming: an early provider known for Mega Moolah and a large back catalogue.

Availability of a provider does not guarantee every title from that studio is offered in the UK, nor that it runs at the same RTP. Some overseas sites carry copies or unofficial versions, so check the provider's name in the game info screen and be wary of unfamiliar clones.

Sports betting at betting sites not on GamStop

Some gambling sites not on gamstop combine a casino and a sportsbook in one account. Not every casino does. The supplied information does not confirm sportsbook availability for any of the ten brands, so verify it on each site before assuming sports betting is included. That also applies to esports markets.

Bet types and markets

• Pre-match and in-play betting: pre-match bets are placed before an event; in-play bets during it, with changing odds.
• Singles and accumulators: a single is one selection; an accumulator combines several, and all must win. Decimal odds multiply, so 2.00 × 1.50 × 3.00 gives 9.00.
• Bet builders: combine selections from one match, where offered.
• Cash-out: settle a bet early for a value that reflects the current situation; it may be unavailable or limited.

Shared wallets and bonuses

Shared casino and sportsbook wallets let you move between products with one balance, but bonuses may be product-specific. Casino bonuses have wagering requirements on games; sports free bets have minimum qualifying odds, qualifying markets and expiry.

Free bet example (illustrative only)

Assume a £10 free bet at minimum odds of 2.00 where the stake is not returned. A win at decimal odds of 3.00 pays £20 profit, not £30. If the stake were returned, you would receive £30. Check which applies before you use one.

Self-exclusion at casinos not on GamStop

Casino self-exclusion outside GAMSTOP is handled by each brand. Its non gamstop casino exclusions apply only to that operator and possibly linked brands, which you have to confirm. They do not block you elsewhere, and this page does not present non-GamStop sites as a way around self-exclusion.

Controls to look for

• Deposit and loss limits, and whether increases are delayed
• Session reminders and time-outs
• Permanent account closure or fixed-period exclusion
• Whether controls extend to a sportsbook and sister brands

Support and blocking tools

GAMSTOP exclusion periods run for six months, one year or five years. Gambling blocking software such as Gamban or BetBlocker can block gambling sites across your devices. If gambling is harming you, GamCare's National Gambling Helpline is free and confidential on 0808 8020 133, and can direct you to further support.

Choosing between these non GamStop casinos UK readers are comparing

The most useful criteria are the ones that decide whether a bonus can be withdrawn: wagering, game contribution, maximum bet, expiry and cashout caps, then licence, ownership and payment clarity. The ranking here is the publisher's, and key facts about each brand remain unconfirmed. Do not treat any of these casinos as the winner for everyone. Read the terms, confirm the licence for the exact domain, and only play with money you can afford to lose.