No-Wagering Casinos in the UK: Bonus Rules

Updated October 2026

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Author: Qbet UK Guide team Last updated: October 2026 Reading time: 30 min

Contents

No-wagering removes the playthrough step, but offer terms may still set other conditions on bonus-related withdrawals.

How No-Wagering Offers Differ from Rollover Bonuses

A no-wagering offer has no playthrough requirement attached to its bonus funds. If the promotion generates winnings, those winnings do not have to be bet a set number of times before they can be withdrawn. The distinction is about what must happen to the bonus-related balance before withdrawal, not simply whether an offer is described as a bonus or a reward.

A rollover bonus works differently. Its terms specify how many times bonus funds must be wagered before winnings become eligible for withdrawal. That figure is the playthrough requirement: it determines the required betting activity, rather than guaranteeing that the bonus will produce a particular result. Until the requirement is met, the winnings remain subject to the promotion’s withdrawal conditions.

The practical difference is therefore the required sequence. With a rollover bonus, qualifying bets must be made first. With a no-wagering bonus, that particular step is absent. This can make the latter’s withdrawal conditions simpler, but it does not mean that every restriction disappears or that the bonus itself is automatically paid out as cash.

The label “no wagering” should be read narrowly. It says that the offer does not impose a rollover requirement; it does not, by itself, establish that all winnings can be withdrawn without restriction. A casino’s other promotion terms may still govern whether winnings qualify for withdrawal. The offer might limit which games count, set a maximum amount that can be withdrawn, or include other conditions. Those terms affect access to the winnings even though they do not create a playthrough requirement.

It is also important to distinguish the bonus from the money deposited to claim it. A promotion may describe the bonus as no-wagering without making the entire account balance unrestricted. The status of deposited funds and bonus-related winnings depends on the terms that apply to each. The no-wagering description alone does not explain how those balances are treated or whether a separate condition applies to them.

For the same reason, “no wagering” does not necessarily mean “withdraw immediately”. Withdrawal can remain dependent on the offer’s other conditions and the casino’s account procedures. The relevant point is that the bonus does not require a specified amount of further betting as a condition of releasing its winnings. If another condition prevents withdrawal, that is distinct from a rollover requirement and should be described separately.

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This distinction applies whether an offer is presented by an online casino, attached to a slot promotion or described as a no-wager reward. The product name is not enough to determine how the offer works. The decisive detail is whether the terms require bonus funds or related winnings to be wagered before withdrawal. If they do, the offer has a playthrough requirement, even if its headline uses language suggesting an easy cash-out. If they do not, it may be classified as no-wagering, while remaining subject to other stated terms.

For UK players comparing no-wagering casinos, the useful distinction is not that one kind of offer is necessarily better. It is that the two structures impose different conditions: a rollover bonus requires qualifying play before withdrawal, while a no-wagering bonus removes that requirement. The remaining terms determine what else must be satisfied. A clear offer should make those conditions understandable without treating the “no wagering” label as a complete description of the withdrawal rules.

The UK Rules Applying to Casino Promotions in 2026

The UK rules for casino promotions changed across late 2025 and early 2026. Two measures are particularly relevant when comparing offers described as no wagering: a limit on promotional playthrough requirements and a prohibition on bonuses combining different gambling products.

From 19 January 2026, the UK Gambling Commission’s cap means that a licensed operator cannot set a promotional wagering requirement above 10 times the relevant bonus amount. The rule sets a ceiling, not a standard requirement: it does not mean that every promotion must carry a playthrough condition, or that every offer will use the maximum. An offer with no wagering has no such requirement; where a requirement applies, the cap limits how high it may be.

The date matters when assessing an offer’s terms. The cap took effect on 19 January 2026, so it should not be confused with the separate change that began on 19 December 2025. Nor does the cap, by itself, explain every condition attached to a promotion. It concerns the wagering multiplier, rather than serving as a complete description of eligibility, expiry or withdrawal terms. Those conditions remain distinct from the regulatory ceiling.

Regulatory Dates

From 19 December 2025, mixed-product bonuses were banned, followed by a wagering requirement cap introduced on 19 January 2026.

A separate rule took effect on 19 December 2025: mixed-product bonuses were banned outright. A single promotional incentive can no longer combine different gambling products. This is not another way of expressing the wagering cap. The cap restricts the size of a playthrough requirement; the mixed-product ban concerns what products may be bundled into one bonus.

The distinction is material for promotions that bring casino play together with another form of gambling. The ban applies to the combination itself, not merely to the wagering attached to it. A promotion cannot avoid that rule by setting a low playthrough requirement or describing the offer as no wagering.

These measures apply within the UK regulatory framework for licensed gambling operators. Remote operators selling into the British market must hold a UK Gambling Commission licence, irrespective of where they are based. The 2026 cap therefore provides a regulatory boundary for promotional wagering at licensed operators serving that market, rather than a voluntary condition chosen by each casino.

For someone comparing a no-wagering casino promotion, the changes establish context rather than a quality ranking. The cap does not make a wagering offer equivalent to a no-wagering one, and the mixed-product ban does not establish that every single-product promotion has no other terms. The central regulatory distinction is between the maximum permitted playthrough requirement and the prohibition on combining gambling products in one incentive.

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Reading the Terms of a No-Wagering Welcome Offer

A casino welcome offer described as “no wagering” removes the playthrough requirement, but the label does not settle every question about access to the resulting winnings. The offer may still limit which games qualify, set a maximum withdrawal, or restrict who can claim it. These conditions determine the practical value of the promotion and should be read alongside the headline description.

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Eligibility is the first point to establish. The terms should make clear which customers can claim the offer and whether it is intended for new customers. They should also explain how eligibility is assessed and what happens if an account does not meet the stated conditions. A promotion described as a new-customer offer is not necessarily available to every person opening an account: the governing terms define who qualifies.

The distinction between the offer’s advertised audience and its actual eligibility rules matters. A welcome offer may have conditions tied to account status or to the way it is claimed. Those requirements should be explicit before acceptance. If the terms leave uncertainty about whether a customer qualifies, the no-wagering label cannot resolve it.

Check what “no wagering” covers

The central point is whether the offer imposes any playthrough requirement on winnings. If it does not, the casino should not require those winnings to be bet a set number of times before withdrawal. But a lack of playthrough does not necessarily mean that every amount won can be withdrawn without other limits.

In particular, a withdrawal cap can restrict the sum paid out even where there is no rollover requirement. A specialist review reports caps in the range of £20 to £100 for some no-wagering winnings; that figure should be treated as a reported example, not as a general rule for UK welcome offers. The relevant amount, if any, is the one stated in the promotion’s own terms.

Attention: A "no wagering" label does not eliminate other restrictions, such as withdrawal caps that may limit payouts to between £20 and £100.

It is also important to distinguish a cap on winnings from a condition that requires further play. A cap limits the amount that may be withdrawn; a playthrough condition requires qualifying bets before withdrawal. They affect the offer in different ways. The terms should identify which applies and whether the limit relates to winnings, bonus funds, or another defined amount.

Read the eligible-game rules

Some no-wagering offers restrict which games can be played with the promotion or can generate eligible winnings. The terms should identify the permitted games and clarify what happens if play takes place outside that selection. A restriction can narrow the offer even when there is no requirement to wager winnings repeatedly.

The wording should be specific enough to show which games are included, rather than relying on a broad promotional description. Where only certain games qualify, that limitation affects how the offer can be used. It should not be confused with a playthrough requirement: game eligibility determines what activity is permitted or recognised, while a rollover determines whether further wagering is required before withdrawal.

Establish the relevant dates and consequences

An offer may have a validity period, so the terms should state when it can be claimed and whether any funds or winnings have an expiry condition. The timing rules matter even when no wagering is required: an offer’s availability and the withdrawal of winnings are separate issues.

A specialist review notes that bonus wagering requirements can have deadlines, with the consequences of missing them determined by the individual promotion. That point concerns offers with a playthrough condition and should not be taken to mean that every no-wagering offer has such a deadline. For a no-wagering welcome offer, the specific terms need to establish what expires, when it expires, and what follows if a stated condition is not met.

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Compare the whole offer, not its label

A useful reading of a no-wagering casino offer brings together its eligibility criteria, game restrictions, withdrawal limits and timing conditions. Each should be clear before the offer is accepted. If the headline says “no wagering” but the terms contain a withdrawal cap or restrict eligible games, those provisions remain part of the offer.

The label is therefore a starting point rather than a complete description. The relevant comparison is between the full conditions attached to each welcome offer, not simply between promotional claims. Where the terms specify no playthrough but impose another restriction, the restriction should be assessed on its own terms rather than treated as evidence that wagering is required.

What a Casino Sign-Up Bonus Requires Before Withdrawal

A casino sign-up bonus can increase the balance available for play without making the bonus funds immediately withdrawable. The key condition is the playthrough requirement, also called a rollover requirement: it sets the amount of qualifying bets that must be made before the relevant winnings can be withdrawn. The calculation depends on which funds the stated multiplier applies to.

When the requirement applies to the bonus alone, the deposit is not included in the amount used to calculate the turnover target. For instance, a £100 bonus with a 10x requirement produces a target of £1,000 in qualifying wagering: the bonus amount is multiplied by ten. That figure is the required turnover, not a sum that must be lost. Bets count towards it according to the offer’s terms, while the balance remaining after play is a separate matter.

Bonus Turnover Calculation

Step 1: Identify the base

Determine if the wagering requirement applies to the bonus alone or the combined total of the deposit and bonus.

Step 2: Apply the multiplier

Multiply the identified base amount by the stated wagering requirement (e.g., 10x).

Step 3: Calculate the target

The resulting figure is the total amount of qualifying bets that must be placed before winnings are eligible for withdrawal.

The wording of the offer therefore matters as much as the multiplier. A statement that wagering is calculated on the bonus does not mean the same thing as a statement that it is calculated on the deposit and bonus together. Even if the multiplier is identical, adding the deposit to the calculation raises the target. Comparing sign-up offers by their headline multiplier alone can consequently give an incomplete picture of the commitment attached to bonus funds.

Bonus-only and combined calculations

The difference can be expressed simply. With a bonus-only requirement, the bonus amount is the calculation base. With a combined requirement, the deposit and bonus are added first, and the multiplier is applied to that total. The second method can produce a substantially larger turnover target because it counts money the player deposited as well as the bonus.

A £20 deposit paired with a £20 bonus illustrates the combined method. If a 30x requirement applies to both amounts, the calculation is based on £40, giving a total of £1,200 in wagering. This example demonstrates the arithmetic rather than establishing that such an offer is available. It also shows why the phrase “30x bonus” on its own would not tell the reader whether the deposit is included: the calculation base must be stated.

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The same multiplier can thus mean different things across offers. A requirement applied only to bonus funds is not interchangeable with one applied to the total of deposit and bonus. In the combined calculation, the deposit is part of the turnover target even though it is not itself bonus money. Clear terms should identify both the multiplier and the funds to which it applies.

What counts towards completion

A turnover target is not necessarily cleared by any activity on the account. The offer defines the qualifying wagering, and the amount staked is what is measured against the target. Reaching the stated total is distinct from preserving the balance: a player may complete the required turnover and still have less money than the original deposit and bonus combined, depending on the results of play.

For that reason, the target should not be read as a guaranteed cash balance or a promise that the bonus will convert into an equal amount of withdrawable funds. It is a condition attached to withdrawal of earnings associated with the promotion. The balance and the completion status answer different questions: how much remains, and whether the stated playthrough condition has been met.

The distinction also matters when comparing a casino sign-up offer described as no wagering with one that advertises a low requirement. A no-wagering label indicates the absence of a rollover condition, whereas a multiplier still sets a turnover target.

Before treating a sign-up bonus as part of a withdrawable balance, the calculation needs to be read in full: identify whether the base is bonus-only or deposit plus bonus, then apply the stated multiplier to that base. Without both parts, the headline figure cannot show how much qualifying wagering is required.

Free Spins: Wagering on Winnings, Not Spin Value

A free-spin offer can include a playthrough requirement, but that requirement applies to the winnings produced by the spins, not to the nominal value of the spins themselves. This distinction matters because the spins are the means of playing; it is the resulting winnings that may be subject to a turnover condition before withdrawal.

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Playthrough requirements for free spins apply specifically to the winnings generated from the spins, not to the nominal value of the spins themselves.

For instance, where an offer states that winnings must be wagered, the relevant amount is the value won from the spins. The value assigned to each free spin is not added to that amount simply because the spins were supplied as part of the promotion. The offer’s terms should make clear whether a playthrough requirement applies and how it is calculated. A label such as “free spins” alone does not establish whether winnings can be withdrawn immediately.

When winnings can be withdrawn

If a playthrough requirement applies, winnings remain subject to it until the required turnover has been completed. The requirement concerns bets made with those winnings, rather than a requirement to replay the original spin value. Until the condition is met, the winnings may not be available for withdrawal.

At zero wagering, there is no turnover to complete. Free-spin winnings are immediately withdrawable, subject to any other applicable terms. In this context, “no wagering” describes the absence of a playthrough condition on the winnings; it does not by itself describe every aspect of the promotion or establish that no other terms apply.

This is why casino free spins with no wagering should be distinguished from free spins where a playthrough condition applies. Both offers may provide spins without requiring a deposit as the source of the spins, but that feature does not determine what happens to any winnings. The key point for withdrawal is whether the winnings carry a playthrough requirement.

What the offer wording needs to establish

The terms should state whether the requirement applies to spin winnings and whether those winnings must be wagered before withdrawal. Clear wording separates the value of the spins from the money won during play, avoiding the impression that the spin allocation itself is the amount that must be turned over.

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If an offer describes its free spins as having no wagering, the practical meaning is that winnings are not held back for a playthrough stage. If it gives a wagering multiplier or otherwise requires turnover, that condition changes the withdrawal position: the winnings cannot be treated as immediately withdrawable until the stated requirement is satisfied.

The absence of a wagering requirement should not be inferred merely from the offer’s use of “free” or “no deposit”. Those terms describe different features from the treatment of winnings. A free-spin promotion may be funded without a deposit and still impose a playthrough condition on the resulting winnings; conversely, at zero wagering, the winnings can be withdrawn without completing turnover. The wording of the offer determines which case applies.

The distinction in practice

The central distinction is between the supplied spins and the winnings they generate. A playthrough condition, where present, attaches to the latter. It does not mean that the spin value itself must be wagered again. Where the condition is zero, the winnings are immediately withdrawable; where it is not, the stated turnover must be completed first.

This makes the term “no wagering” more precise when applied to free spins. It refers to the withdrawal treatment of winnings, not to the mere provision of spins. Accordingly, the terms should identify whether winnings are subject to playthrough and explain the consequence for withdrawal. Without that distinction, an offer’s headline can leave unclear whether a win is available at once or remains subject to a turnover condition.

Do

Check if winnings are immediately withdrawable
Verify if the offer is truly “zero wagering”

Don’t

Assume “free” means no wagering on winnings
Confuse no-deposit status with no-wagering terms

Low-Wagering Bonuses and the Turnover They Still Require

A low playthrough requirement reduces the amount of qualifying play needed compared with a higher multiplier, but it does not remove the rollover requirement. That distinction matters: winnings attached to a low-wagering casino offer are not necessarily available for withdrawal as soon as they appear in the account. The stated multiplier still determines how much turnover must be completed first.

For instance, if a £20 win is subject to a 10× requirement, the calculation is £20 multiplied by 10. The result is £200 in additional slot turnover before withdrawal. The original win is not the turnover total; it is the amount used to calculate that total. A casino low-wagering offer can therefore involve substantial play even when its multiplier appears modest.

The calculation alone does not establish how quickly the requirement can be completed. Qualifying turnover depends on the bets placed and on the promotion’s rules about which games count. A bet may not contribute its full value: game weighting can reduce the amount credited towards the target. A specialist review reports that such weighting may apply, but the applicable treatment needs to be established from the offer’s own terms rather than assumed to be the same across casinos.

This affects comparisons between low-wagering casino sites. Two offers with the same multiplier may produce different practical requirements if their eligible games or weightings differ. Where a game contributes only partially, more total stakes may be needed to generate the required qualifying turnover. The displayed multiplier should therefore be read alongside the rules governing eligible play and its contribution.

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The label “low wagering” is not, by itself, a measure of the offer’s overall value or accessibility. A smaller multiplier can still leave a meaningful turnover target, while restrictions on game eligibility can narrow the ways to meet it. For low-wagering slots, the relevant distinction is between the amount staked and the amount that the terms recognise towards clearing the requirement.

A useful comparison separates three elements: the amount to which the multiplier applies, the resulting turnover target, and the share of play that counts. Without all three, a headline figure may understate the activity required before withdrawal. A low-wagering casino offer remains a wagering offer; only a promotion with no playthrough requirement removes that particular hurdle.

Online No-Wagering Casinos and Payment Limits

An online casino’s payment options and the conditions attached to a promotion are separate matters. A casino with no wagering may advertise an offer without a playthrough requirement, but that label does not establish which payment methods can be used, whether a particular payment method qualifies for the offer, or whether a promotion is available to a particular account. Those details depend on the operator’s published terms.

The distinction matters across desktop and mobile play. Accessing a casino through a phone does not change the meaning of a no-wagering offer, and a mobile-friendly site is not evidence that its promotions have different conditions. Similarly, a casino may offer online slots without making every game eligible for a promotion. Payment arrangements and game eligibility should not be treated as interchangeable features.

Payment restrictions are part of the UK context. Credit cards have been prohibited for gambling transactions in the UK since April 2020. This is a restriction on funding gambling, not a condition that creates or removes a playthrough requirement. An offer described as having no wagering does not make a prohibited payment route permissible.

Licensing Requirement

Remote gambling operators serving the British market must hold a valid UK Gambling Commission licence, regardless of their payment methods or branding.

The same separation is important when considering Bitcoin or other crypto-related casino searches. The payment label alone says nothing about whether an operator’s promotion has no wagering, and it should not be taken as evidence that an operator is authorised to serve British customers. Remote gambling operators serving the British market must hold the relevant UK Gambling Commission licence. A promotional description and a payment method are not substitutes for that regulatory status.

There is therefore no sound basis for identifying a single “best” online casino with no wagering from its device support or payment branding alone. The relevant evidence is the operator’s own offer terms, alongside its legal status and the permitted payment arrangements. The promotional wording should be assessed independently of whether the service is accessed on a computer or phone, and independently of whether a payment option is presented as digital or crypto-based.

For no-deposit casino offers, the same principle applies: the absence of a deposit does not establish that every withdrawal route is available, nor does it determine the offer’s other conditions. Payment limits govern transactions; promotional terms govern access to the offer. Keeping those categories distinct prevents a payment feature from being mistaken for proof of a particular bonus condition.

Online Slots, Spin Rules and Bonus Expiry

Slot-based promotions can combine a restriction on which game is eligible with a deadline for completing any playthrough. These conditions affect the practical value of an offer even where its headline describes it as no wagering. A specialist review reports that no-wagering free spins may be limited to a particular slot chosen by the operator. The game restriction matters because spin winnings may be available only when the spins are used on the designated title, rather than on other slots in the casino.

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A separate issue arises when bonus funds carry a playthrough requirement. The number of spins needed depends on the qualifying turnover and the stake used. For instance, wagering a £100 bonus at 10x means completing £1,000 in qualifying bets. If each spin is placed at £1 and every stake qualifies in full, that turnover corresponds to 1,000 spins. This is a calculation, not a general estimate of how long a player will take: stake size, eligible-game rules and any game weightings can alter the practical route to completion.

A specialist review estimates that continuous play to clear a £100 bonus under a 10x requirement could take roughly one to two hours. That estimate is conditional rather than a reliable duration for every slot offer. In Britain, online slot spins must last at least 2.5 seconds, and autoplay is prohibited; actual play also includes time between spins. A different stake, or a restriction on qualifying games, can further change the pace at which required turnover accumulates.

Expiry terms determine what happens if the required play is unfinished. Bonus wagering requirements can have a stated validity period, but the consequence of missing its deadline depends on the promotion’s conditions. Bonus funds may expire, and the terms govern whether any associated winnings remain available. The expiry date should therefore be read alongside the permitted slots, qualifying bets and the amount of turnover still required; the label “online slots with no wagering” does not by itself establish that every slot is eligible or that all winnings can be withdrawn without other conditions.

For a genuinely no-wagering slot offer, there is no playthrough to clear, but the selected-game restriction can still shape how the spins are used. Where a requirement does apply, the deadline makes the required pace relevant: a large turnover target may be harder to complete within the stated period than its multiplier alone suggests.

Slot Bonus Essentials

Check for specific game restrictions on no-wagering spins
Calculate actual turnover based on stake size and game weightings
Monitor the expiry date to ensure requirements are met in time

No-Deposit Offers and Withdrawal Conditions

A no-deposit promotion does not require an initial payment to receive the advertised offer. That feature is separate from whether the resulting winnings can be withdrawn without conditions. The phrase “no wagering” indicates that the offer has no playthrough requirement; it does not, by itself, establish that every win is payable in full or that every game qualifies.

Withdrawal caps are one possible restriction. A specialist review has reported caps in the range of £20 to £100 for no-wagering winnings, but that observation should not be treated as a standard applying to every promotion. The operative limit is the one set out in the offer’s terms. If a cap applies, winnings above it may not be withdrawable under that promotion, even where no rollover is required.

Eligible-game restrictions can also affect access to winnings. An offer may specify which games count, so a win from a game outside that eligibility may not qualify for withdrawal under the promotion’s conditions. The no-wagering label does not resolve that question; the game rules and withdrawal terms need to be read together.

There is also a distinction between receiving an offer without depositing and meeting the conditions for a withdrawal. A no-deposit offer may remove the need to fund an account before claiming it, while leaving separate rules on the amount payable or the games that generate eligible winnings. Those rules determine what can be withdrawn, not the promotional label alone.

Identity verification is required before an operator processes a player’s first withdrawal. This is distinct from a playthrough condition: verification does not create a wagering requirement, but it is part of the withdrawal process.

Accordingly, a no-deposit casino offer described as no wagering establishes a limited point: there is no playthrough requirement attached to it. It does not establish that all winnings are unrestricted. Withdrawal caps and eligible-game rules remain material, and the promotion’s terms determine how they apply.

Slot Contributions to Wagering Requirements

A slot’s contribution to a playthrough requirement is separate from the multiplier attached to a bonus. The multiplier describes the required turnover; game weighting determines how much of a qualifying stake is credited towards it. As a result, the amount wagered on slots may not equal the amount recorded as completed turnover.

A specialist review reports that game weightings can reduce how much play on a particular game contributes. This should be treated as a reported feature, not as a universal rule for every casino or promotion. The applicable terms matter: they should identify which games qualify and explain whether their stakes count in full or only in part. Without that information, the multiplier alone cannot establish how much slot play is needed.

This distinction is relevant when comparing welcome promotions that appear to have the same playthrough requirement. One offer may count eligible slot stakes differently from another, so identical multipliers do not necessarily mean identical qualifying turnover. A game that contributes less than its stake can extend the play needed to clear the requirement. The displayed total of bets, therefore, may not match the progress shown against the bonus condition.

No-wagering promotions remove the rollover requirement, but that label does not by itself describe how a conventional bonus is cleared. For an offer with playthrough, the weighting terms remain important even when the multiplier is clearly stated. Where a promotion is limited to selected slots, eligibility and contribution rules should be read together rather than treating every spin as equivalent.

The same care applies when searching for slot offers described as no wagering or as having no-wagering free spins. Those labels concern the playthrough condition, while game eligibility can still determine where an offer may be used. A title’s popularity or its presence in a casino’s slot catalogue does not establish that it qualifies for a particular promotion.

A useful comparison therefore records the multiplier, eligible games and stated weighting in separate fields. If the terms do not explain how slot play counts, the real turnover cannot be calculated reliably from the multiplier alone.

How do wagering requirements work on free spin winnings at UK casinos?

Any wagering requirement applies to the winnings from the spins, not to the value of the spins themselves. With zero wagering, those winnings are withdrawable immediately, subject to the casino’s other terms.

Can I withdraw a casino bonus immediately?

Not necessarily: having no wagering requirement removes the need to bet before withdrawing, but other offer conditions and the casino’s account procedures may still apply. Check the withdrawal terms, including any cap or eligible-game restrictions.

What should I check before claiming a no wagering offer?

Check whether the offer has a withdrawal cap, which games qualify, and whether any other conditions apply to the bonus or winnings. “No wagering” means there is no playthrough requirement; it does not remove every withdrawal restriction.

What’s the catch with no-wagering bingo bonuses?

No wagering does not rule out other restrictions, such as a withdrawal cap or limits on eligible games. Bingo and slot parts of a promotion may also have different wagering rules, so check the terms for each component.

Are no-wagering bingo sites legal in the UK?

They can operate legally in the UK if they hold a UK Gambling Commission licence. Remote operators selling into the British market need that licence, regardless of where they are based.

Responsible Gambling

Articles OCT 13, 2026