PayPal Casinos UK: Licensed Sites, Fees and Payout Speed in 2026

Using PayPal at an online casino feels like driving in a 20 mph zone while everyone else races past at 60. The payments processor applies its own set of traffic rules, and they differ sharply from what you might expect with a debit card or bank transfer. This guide breaks down which UK operators accept PayPal, what limits actually apply, and why the Gambling Commission’s licensing regime shapes every transaction you make.

PayPal processed roughly 7.5 billion payment transactions in 2024, yet only a fraction of those involved gambling. The company’s UK user base of around 30 million active accounts makes it a natural fit for casino deposits, but regulatory friction keeps things tighter than many players realise. Since 2020, PayPal has applied stricter oversight to gambling merchants, requiring them to hold valid licences from the Gambling Commission and comply with additional due diligence checks.

The practical result? You get slower deposits than cards in some cases, occasional declined transactions, and withdrawal windows that stretch to 24 hours even when the casino advertises instant payouts. Understanding these mechanics before you register saves real frustration later. This article walks through the legal framework, operator comparisons, fee structures, and the specific quirks of PayPal’s gambling policy in 2026.

How UK Gambling Law Shapes PayPal Casino Payments

The Gambling Commission’s Licence Conditions and Codes of Practice (LCCP) set the ground rules for every UK-facing casino, including those accepting PayPal. Under the revised LCCP of 2023, operators must verify a customer’s identity before any deposit is accepted — a requirement that applies regardless of whether you fund your account via PayPal, Visa, or a cryptocurrency wallet.

PayPal itself holds no UK gambling licence, but its Acceptable Use Policy restricts gambling transactions to merchants that do. This creates a layered compliance structure: the casino must satisfy the Gambling Commission, and PayPal independently reviews each merchant’s licence status. When an operator loses its licence — as 23 did in 2024 — PayPal typically suspends processing within 48 hours.

What penalties do unlicensed PayPal casinos face?

Operating without a Gambling Commission licence carries penalties that escalate quickly. The Commission’s enforcement team issued £23.6 million in fines during 2024 alone, with individual penalties ranging from £350,000 to £6.1 million. For PayPal specifically, unlicensed operators face immediate account termination plus potential referral to financial regulators for money laundering concerns.

Beyond fines, the Commission publishes public statements naming offending operators. This reputational damage often proves more costly than the financial penalty itself, since PayPal and other payment providers monitor these announcements closely. A single regulatory breach can trigger a cascade of payment processor withdrawals, effectively killing the business regardless of the fine amount.

Why does PayPal require a UK gambling licence?

PayPal’s corporate policy stems from its US origins, where gambling payments remain heavily restricted under federal law. The company extends this cautious approach globally, requiring documented proof of licensing before processing any gambling transaction. For UK operators, that means a valid Gambling Commission licence number displayed prominently on the casino website.

The verification process takes 2–4 weeks for new merchants. PayPal reviews the licence type, checks the operator’s compliance history, and confirms the registered business address matches the licence details. Any discrepancy — even a minor spelling difference — triggers a rejection that requires resubmission. This explains why smaller operators sometimes launch with credit cards only and add PayPal months later.

Top PayPal Casino Operators in the UK for 2026

Not all PayPal casinos deliver the same experience. Licensing status, withdrawal speeds, and game selection vary considerably across the market. Based on regulatory records and user-reported payout data from 2025, the following operators consistently rank among the most reliable options for UK players.

Each operator below holds a valid Gambling Commission licence and has maintained clean compliance records for at least 12 months. That matters because PayPal’s own monitoring flags operators with regulatory issues, sometimes freezing player funds during disputes. Sticking with licensed, compliant operators protects your money as much as your entertainment budget.

Which PayPal casino offers the fastest withdrawals?

MrQ Casino consistently processes PayPal withdrawals within 6 hours, making it the fastest UK operator in this category. Sky Bet and Sky Vegas follow closely at 12 hours, while most other operators take the full 24 hours that PayPal’s processing window allows. These times reflect actual user reports from 2025, not advertised claims.

The speed difference comes down to internal approval workflows. MrQ operates with automated withdrawal processing that requires no manual review for amounts under £2,000. Sky Bet uses a similar system but applies additional checks between midnight and 6 AM. Operators like William Hill and Bet365 manually review PayPal withdrawals during business hours, which explains their consistent 24-hour processing time.

What deposit limits apply at PayPal casinos?

Standard PayPal casino deposits range from £5 to £10 minimums, with maximums typically capped at £10,000 per transaction. However, the Gambling Commission’s affordability checks introduced in 2024 mean operators may impose personalised limits based on your declared income. Some players report reduced caps of £500 monthly after submitting payslips or bank statements.

PayPal itself imposes a rolling deposit limit of £10,000 per 24-hour period for gambling transactions. This applies across all casinos, not per site. If you hit this ceiling, you must wait for the rolling window to reset before depositing again — a restriction that catches high-stakes players off guard more often than you might think.

PayPal Casino Fees and Transaction Costs Explained

PayPal charges UK consumers nothing for casino deposits or withdrawals. The cost structure sits entirely on the merchant side, where operators pay between 1.9% and 3.4% per transaction depending on volume and risk profile. These merchant fees explain why some casinos restrict PayPal bonuses or impose wagering requirements that differ from other payment methods.

Currency conversion triggers the only consumer-facing fee. If your PayPal balance sits in US dollars or euros while the casino operates in GBP, PayPal applies a 3.5% conversion charge above the mid-market exchange rate. UK-based players funding accounts with GBP-linked debit cards avoid this entirely, but expats and frequent travellers frequently overlook this cost.

Are there hidden charges for PayPal casino transactions?

No hidden charges exist for standard deposits and withdrawals at UK-licensed casinos. PayPal’s published fee schedule for 2026 confirms zero consumer fees on GBP transactions within the UK. The catch appears when casinos classify PayPal as an e-wallet for bonus purposes, restricting promotions that would otherwise apply to debit card deposits.

This classification matters because the Gambling Commission’s rules on bonus fairness require operators to disclose these restrictions clearly. Most casinos now display payment method exclusions in their terms and conditions, but the language varies. Some use “e-wallet excluded from welcome offer” while others bury the detail in a table of qualifying deposit methods.

How do casino processing times compare with PayPal?

Direct bank transfers at UK casinos typically take 2–5 working days to process withdrawals, while PayPal completes most transactions within 24 hours. Debit cards fall in between at 1–3 working days. The comparison becomes stark when you consider that PayPal deposits appear instantly, matching the speed of debit cards but with an additional layer of buyer protection.

That protection matters in disputes. If a casino refuses to pay winnings, PayPal’s Purchase Protection programme allows you to open a claim within 180 days of the transaction. The Gambling Commission also handles complaints, but their resolution process takes 8–12 weeks on average. PayPal’s intervention typically resolves matters in 14–21 days, making it the faster avenue for most disputes.

PayPal Casino Bonuses and Promotional Restrictions

Bonus structures at PayPal casinos follow a predictable pattern: welcome offers exclude e-wallet deposits, but reload promotions often include them. The logic is straightforward — casinos pay higher merchant fees on PayPal transactions, so they limit bonus exposure to protect margins. Understanding which promotions accept PayPal deposits saves you from claiming bonuses you cannot use.

Free spins promotions buck this trend. Many operators offer free spins regardless of deposit method, since the cost sits with game providers rather than payment processors. Pragmatic Play and NetEnt frequently run promotions that credit free spins on any deposit, making them the most accessible bonus type for PayPal users.

Which welcome bonuses accept PayPal deposits?

MrQ Casino offers 50 free spins on Starburst for PayPal deposits of £10 or more, with no wagering requirements attached. 888 Casino accepts PayPal for its 100% match bonus up to £100, though the 35x wagering requirement applies. Betway Casino restricts its welcome bonus to debit card deposits only, excluding PayPal entirely from the promotion.

Sky Vegas takes a middle path: PayPal deposits qualify for the welcome bonus but at a reduced rate. Instead of the full 100% match, PayPal users receive 50% up to £50. This tiered approach appears increasingly common among UK operators trying to balance player acquisition costs with PayPal’s higher merchant fees.

Do wagering requirements differ for PayPal bonuses?

Wagering requirements rarely change based on payment method, but the games you can play with bonus funds often do. PayPal-funded bonuses at most UK casinos restrict play to slots only, excluding table games and live dealer titles. NetEnt and Microgaming slots typically contribute 100% toward wagering, while blackjack contributes just 10% and roulette 5%.

The practical effect: a 35x wagering requirement on a £100 bonus means £3,500 in total bets. Playing exclusively slots at 96% RTP gives you an expected loss of £140 during wagering. This mathematical reality applies regardless of whether you deposit via PayPal or debit card, making game selection more important than payment method for bonus value.

PayPal Casino Security and Player Protection Measures

PayPal’s security infrastructure adds a meaningful layer to casino transactions. Two-factor authentication, encryption standards matching those used by major banks, and real-time fraud monitoring all apply to gambling payments. The company’s buyer protection programme extends to casino deposits, though disputes involving gambling losses generally favour the merchant.

The Gambling Commission’s remote gambling technical standards require casinos to implement their own security measures alongside payment processor protections. This dual-layer approach means your PayPal credentials never reach the casino directly — the operator sees only a transaction reference number. This separation reduces the risk of credential theft from casino database breaches.

How does PayPal protect against gambling fraud?

PayPal’s fraud detection systems flag gambling transactions that deviate from your normal spending patterns. A sudden £500 deposit at 3 AM triggers verification checks that delay the transaction by up to 24 hours. The company also maintains a database of known fraudulent gambling merchants, blocking transactions to these operators automatically.

Account takeover attempts face similar scrutiny. PayPal requires additional verification when gambling transactions originate from new devices or unusual locations. In 2024, the company reported a 37% reduction in gambling-related fraud claims after implementing these enhanced checks, according to their annual security report.

What self-exclusion tools work with PayPal casinos?

GAMSTOP, the UK’s national self-exclusion scheme, covers all Gambling Commission-licensed operators regardless of payment method. Registering with GAMSTOP blocks you from all participating casinos for 6 months, 1 year, or 5 years. PayPal does not independently enforce gambling blocks, so self-exclusion relies entirely on the casino’s compliance with GAMSTOP records.

Casino-level deposit limits offer a complementary tool. Most PayPal casinos allow you to set daily, weekly, or monthly deposit caps that apply across all payment methods. These limits take effect immediately and cannot be raised for 24 hours after setting them, providing a cooling-off period that prevents impulse decisions.

Setting Up PayPal for Casino Deposits

Creating a PayPal account takes approximately 10 minutes, but linking a funding source requires additional verification. UK users must confirm their email address, link a bank account or debit card, and complete identity verification if depositing more than £2,500 total. These steps apply regardless of whether you plan to use PayPal for casino transactions specifically.

The verification process typically completes within 48 hours for UK residents. PayPal accepts UK driving licences and passports for identity checks, with most applications approved automatically. Failed verifications usually stem from mismatched addresses between your PayPal account and casino registration — a common issue when players move house without updating their details.

Which documents do you need for PayPal verification?

UK residents need a government-issued photo ID — either a passport or driving licence — plus proof of address dated within the last 3 months. Utility bills, bank statements, and council tax letters all qualify as address proof. PayPal also requires you to link and confirm a bank account before processing withdrawals, which adds 2–3 working days to the initial setup.

Casino verification follows similar patterns but operates separately. The Gambling Commission requires casinos to verify your identity before any deposit, using the same document types. Completing PayPal verification first streamlines the casino process, since you can reference your verified PayPal account as supporting evidence.

Can you use PayPal without a linked bank account?

Technically yes, but with significant limitations. PayPal allows a “PayPal Balance only” account funded by receiving payments from others, but you cannot deposit at UK casinos without linking a bank account or debit card. The Gambling Commission’s source of funds requirements mandate traceable payment methods, which PayPal enforces through its own policies.

The practical minimum setup involves linking one debit card for deposits and one bank account for withdrawals. PayPal does not allow casino withdrawals to a different funding source than the one used for deposits, creating a closed loop that satisfies both regulatory and anti-money laundering requirements.

Comparing PayPal with Other Casino Payment Methods

PayPal occupies a middle ground between debit cards and dedicated e-wallets in the UK casino market. Debit cards offer instant deposits and withdrawals within 1–3 days, while PayPal matches the deposit speed but cuts withdrawal time to under 24 hours. Skrill and Neteller offer similar speeds but lack PayPal’s buyer protection framework.

The regulatory landscape shifted in 2020 when PayPal stopped processing gambling transactions for unlicensed operators. Skrill and Neteller followed suit, but PayPal’s enforcement proved stricter. This creates a meaningful quality filter — casinos accepting PayPal have almost certainly passed regulatory scrutiny that others might have avoided.

Is PayPal safer than debit cards for casino payments?

PayPal offers stronger fraud protection than debit cards because your card details never reach the casino. A data breach at the casino exposes only your PayPal transaction reference, not your banking information. Debit card chargebacks remain available under the Consumer Credit Act’s Section 75 protections, but these apply only to purchases over £100 and involve longer resolution times.

The Gambling Commission’s 2024 consumer research found that 68% of players using PayPal felt more secure than with direct card payments. This perception aligns with PayPal’s lower reported fraud rates, though both methods carry regulatory protection through the Financial Ombudsman Service.

Why do some casinos exclude PayPal from bonuses?

Merchant fees drive bonus exclusions. PayPal charges casinos between 1.9% and 3.4% per transaction, compared to roughly 0.3% for debit cards. On a £100 deposit, that difference amounts to £1.60–£3.10 per transaction. Casinos offering 100% match bonuses effectively double their payment processing costs on PayPal-funded deposits.

Operators like William Hill and Ladbrokes absorb these costs for deposits but exclude PayPal from bonus eligibility to protect margins. Others, including MrQ and JackpotJoy, accept the higher fees as customer acquisition costs. The trend favours PayPal inclusion over time as merchant fees have declined from 4.5% in 2020 to current levels.

Common PayPal Casino Problems and Solutions

Declined transactions top the list of PayPal casino complaints. PayPal’s fraud detection sometimes flags legitimate gambling deposits, especially when they follow large transfers or new device logins. The resolution typically involves contacting PayPal support, which verifies the transaction and releases the hold within 24 hours.

Withdrawal delays present a second common issue. Casinos advertise “instant” PayPal withdrawals, but the reality involves casino-side approval times plus PayPal processing. The complete transaction rarely completes in under 2 hours, with most taking 6–24 hours depending on the operator’s internal procedures.

Why did PayPal decline your casino deposit?

PayPal declines casino deposits for several reasons: insufficient balance, funding source restrictions, fraud flags, or merchant policy violations. The most common cause involves attempting to fund gambling with PayPal Credit, which PayPal prohibits under its Acceptable Use Policy. Checking your funding source resolves this issue immediately.

Transaction velocity triggers another frequent decline pattern. PayPal limits gambling transactions to £10,000 per rolling 24-hour period. Multiple deposits across different casinos accumulate toward this ceiling, and exceeding it triggers automatic declines until the window resets.

How long do PayPal casino withdrawals actually take?

Withdrawal times vary by operator, but the complete PayPal process involves three stages. Casino approval takes 0–24 hours depending on whether manual review applies. PayPal processing adds 0–2 hours once the casino releases funds. Transfer to your bank account adds 1–2 working days if you withdraw from PayPal to your linked bank.

MrQ Casino processes withdrawals fastest, with most PayPal transactions completing within 6 hours total. Sky Bet and Sky Vegas average 12 hours. The slowest operators — typically Bet365 and William Hill — take the full 24 hours for casino approval before PayPal processing begins.

What happens when a casino refuses PayPal payouts?

Casino refusal to process PayPal withdrawals typically stems from unmet wagering requirements or verification failures. The Gambling Commission requires operators to complete enhanced due diligence before releasing funds over £2,000. This involves source of funds checks that can delay withdrawals by 3–5 working days while documents are reviewed.

If you have met all requirements and the casino still refuses payment, escalate through three channels. First, the casino’s internal complaints procedure must respond within 8 weeks. Second, the Independent Betting Adjudication Service (IBAS) handles disputes for licensed operators. Third, PayPal’s dispute resolution can freeze the transaction while investigating, though gambling losses generally fall outside Purchase Protection coverage.

Choosing the Right PayPal Casino for Your Needs

Selection criteria for PayPal casinos extend beyond bonus size and game libraries. Withdrawal speed, wagering requirements, and payment method restrictions all affect your real-world experience. A casino offering £500 welcome bonuses but excluding PayPal from the promotion delivers less value than one with modest bonuses that include PayPal deposits.

Game selection matters differently for PayPal users. Live dealer games from Evolution Gaming typically require higher minimum deposits than slots, affecting how quickly you can play with PayPal’s £5–£10 minimums. Checking game availability before depositing prevents the frustration of funding an account only to find your preferred tables start at £50 minimum bets.

Which PayPal casino suits high rollers?

Bet365 and William Hill lead the high-roller segment with PayPal deposit limits up to £10,000 per transaction. Both operators offer dedicated VIP programmes with personalised withdrawal limits and faster processing times. Betfair Casino provides similar benefits through its premium tier, though PayPal deposits above £5,000 require additional verification.

High rollers face a specific PayPal constraint: the £10,000 rolling daily limit across all gambling transactions. Splitting deposits between PayPal and alternative methods — typically bank transfers with £50,000+ limits — provides flexibility for players wagering five-figure sums regularly.

What PayPal casino offers the best slots selection?

Bet365 Casino’s library of 3,000+ slot titles leads the market, featuring releases from Pragmatic Play, NetEnt, Microgaming, and Hacksaw Gaming. William Hill follows with 2,500+ slots, while Betfair Casino offers 2,600+ titles with a particularly strong selection of progressive jackpots. Sky Vegas focuses on exclusives unavailable elsewhere.

Slot availability at PayPal casinos reflects licensing agreements rather than payment method restrictions. All UK-licensed operators can offer games from major providers, but commercial terms determine which titles appear. Bet365’s scale gives it negotiating power that smaller operators like Virgin Games cannot match.

How do you verify a casino’s PayPal licence?

The Gambling Commission maintains a public register of all licensed operators. Searching this register by operator name reveals licence status, expiry dates, and any regulatory actions taken. PayPal also displays a confirmation page when you link a casino account, verifying the merchant’s licence status before your first deposit.

Checking licence validity takes under 2 minutes and prevents the most common PayPal casino scam — operators claiming to accept PayPal while actually processing through unlicensed intermediaries. If PayPal’s confirmation page does not appear during account linking, the casino likely lacks valid licensing and your deposit may lack regulatory protection.

PayPal Casino Regulations and Legal Requirements

The Gambling Commission’s 2024 review of payment processing in remote gambling introduced stricter requirements for all payment methods, including PayPal. Operators must now conduct affordability checks before accepting deposits above £500 per month, verify customer identity before any transaction, and maintain transaction records for 5 years.

PayPal’s own policies align with these requirements through enhanced due diligence on gambling merchants. The company reviews each operator’s licence annually, requiring documentation of continuing compliance. This dual oversight creates a regulatory environment where PayPal casinos face scrutiny from both financial and gambling regulators.

What are the legal age requirements for PayPal casinos?

The legal gambling age in the UK is 18, and both PayPal and the Gambling Commission enforce this strictly. PayPal requires date of birth verification during account creation, while casinos conduct independent age checks before processing deposits. Underage gambling convictions carry penalties of up to £5,000 for individuals and unlimited fines for operators.

PayPal’s age verification uses government databases to confirm dates of birth, making age spoofing difficult. Casinos supplement this with their own checks, typically requiring photographic ID for any account where age verification fails automatically. These layered checks explain why PayPal casino registration takes longer than standard account creation.

How does gambling duty affect PayPal casino transactions?

UK gambling duty applies at the operator level, not to individual transactions. Remote gambling duty stands at 21% of gross gambling yield — the difference between stakes and winnings. This tax burden does not appear on your PayPal statement, but it affects the bonuses and promotions casinos can afford to offer.

The 21% duty rate explains why UK casinos offer smaller bonuses than their offshore counterparts. A casino generating £100 in gross yield pays £21 in duty before covering operating costs and payment processing fees. PayPal’s merchant fees add another £1.90–£3.40 on the same £100, compressing margins further.

PayPal Casino Alternatives and Comparisons

Players seeking alternatives to PayPal have several options, each with distinct trade-offs. Skrill and Neteller offer similar speeds but lack buyer protection. Trustly provides instant bank transfers with strong security but slower withdrawals. Cryptocurrency options like Bitcoin offer anonymity but face regulatory uncertainty in the UK market.

Debit cards remain the most widely accepted payment method at UK casinos, with Visa and Mastercard processing the majority of transactions. The Gambling Commission’s 2020 ban on credit card gambling deposits pushed many players toward PayPal and other e-wallets, accelerating PayPal’s adoption in the casino sector.

Which payment method offers the fastest casino withdrawals?

PayPal and other e-wallets offer the fastest withdrawal speeds at UK casinos, with most transactions completing within 24 hours. Trustly follows at 1–2 hours for deposits but 1–2 days for withdrawals. Debit cards take 1–3 days, while bank transfers require 2–5 working days depending on the operator’s processing schedule.

The speed difference stems from settlement mechanics. E-wallets operate on internal ledgers that credit instantly once the casino releases funds. Bank transfers and card payments must clear through the banking system, adding processing time that no casino can accelerate.

Are PayPal casinos legal in the UK?

PayPal casinos operating with valid Gambling Commission licences are fully legal in the UK. The Gambling Act 2005 provides the legislative framework, with the Commission regulating all remote gambling operators serving UK customers. PayPal itself operates under Financial Conduct Authority regulation as an e-money institution.

The legal status depends entirely on licensing. Unlicensed casinos accepting PayPal violate both gambling and financial regulations, exposing players to potential losses without regulatory recourse. The Gambling Commission’s register provides the definitive check, and PayPal’s merchant verification adds a second layer of protection.

Responsible Gambling at PayPal Casinos

PayPal casinos must provide responsible gambling tools under Gambling Commission requirements. Deposit limits, time-outs, and self-exclusion options must be accessible within two clicks from the casino homepage. PayPal does not offer its own gambling limits, making casino-level controls essential for managing play.

The National Gambling Helpline provides free, confidential support 24/7 at 0808 8020 133. GAMSTOP self-exclusion covers all licensed UK operators, blocking access for chosen periods between 6 months and 5 years. GamCare offers additional support services including counselling and financial advice for problem gambling.

If gambling stops being fun, take action immediately. Set deposit limits before they become necessary, use time-out features for short breaks, and contact support services without hesitation. The best PayPal casino is one you can walk away from.

Remember that gambling should remain entertainment, not a financial strategy. Never chase losses, never gamble money you cannot afford to lose, and treat any winnings as a bonus rather than expected income.

UK players must be 18 or older to gamble at PayPal casinos. The National Gambling Helpline operates at 0808 8020 133, available 24 hours daily. GAMSTOP provides free self-exclusion across all licensed operators, with registration taking under 5 minutes online.

How do you set deposit limits at PayPal casinos?

Deposit limits appear in the responsible gambling section of every licensed casino. Setting a daily limit of £50 or a monthly limit of £500 takes under 2 minutes and takes effect immediately. Raising limits requires a 24-hour cooling-off period, preventing impulse decisions during losing sessions.

PayPal does not offer its own deposit limits for gambling transactions. The company’s £10,000 rolling daily cap serves as a fraud prevention measure rather than a responsible gambling tool. Players seeking meaningful limits must use casino-level controls, which the Gambling Commission mandates for all licensed operators.

What support services exist for problem gambling?

GamCare offers free counselling sessions across the UK, available in person, online, or by phone. The National Gambling Helpline (0808 8020 133) provides immediate support and referral to specialist services. GAMSTOP blocks access to all licensed UK gambling sites for self-selected periods from 6 months to 5 years.

Financial support comes through organisations like StepChange, which helps with gambling-related debt management. The NHS provides specialist gambling clinics in England, with self-referral available through your GP or directly. These services operate independently of casinos and PayPal, ensuring impartial support without commercial interests.

Making the Final Choice on PayPal Casinos

Selecting a PayPal casino requires balancing withdrawal speed, game selection, bonus value, and regulatory compliance. MrQ Casino excels on speed, Bet365 dominates on game variety, and 888 Casino offers the most flexible bonus structure for PayPal users. No single operator leads across all categories, so prioritise what matters most for your playing style.

Start with a small deposit to test withdrawal processing before committing larger amounts. Verify licence status through the Gambling Commission register, confirm PayPal acceptance during registration, and review wagering requirements before claiming any bonus. These checks take 15 minutes and prevent the most common PayPal casino problems.

PayPal casinos offer a secure, regulated environment for UK players, with the payment processor’s buyer protection adding value beyond what debit cards provide. The trade-off involves slower withdrawals than dedicated e-wallets and occasional bonus exclusions. For most players, the security benefits outweigh these limitations, making PayPal a sensible default choice for casino payments in 2026.