No Account Casino UK 2026: How Pay-and-Play Gambling Works and Which Operators Lead the Market

The idea behind a no account casino is deceptively simple: deposit with your bank, play, withdraw, and leave without ever filling in a registration form. In the UK market of 2026, this model sits in an awkward grey zone. The Gambling Act 2005 still requires licensed operators to complete age and identity verification before allowing play, which means a truly “no account” experience — the kind seen in Sweden and Finland under BankID — cannot legally exist on British soil in its purest form. What does exist is a wave of operators offering instant-verification sign-ups, where a bank transfer or Open Banking payment triggers automatic KYC checks behind the scenes, and the punter never sees a lengthy registration page. That is the reality behind the phrase “no account casino UK 2026”, and it is worth understanding properly before you deposit a penny.

Plenty of affiliate sites will tell you that no account casinos are “the future” and that traditional sign-ups are dead. They are not. But the underlying demand is real: UK punters increasingly expect the frictionless experience they get from banking apps, and operators who drag out registration with twelve form fields and a selfie request are losing customers to those who do not. This guide breaks down how the model works, which operators on the UK market are closest to the true no account experience, what the law actually says, and — because someone has to say it — where the marketing fluff ends and the cold arithmetic begins.

Neptune Casino Bonus 2026: What UK Players Actually Need to Know Before Signing Up

What “No Account Casino” Actually Means in the UK

The term “no account casino” originated in Nordic markets, where services like Trustly’s Pay N Play allowed operators to verify a player’s identity through their bank at the moment of deposit. No email, no password, no separate KYC upload — the bank did the heavy lifting. In Sweden, where this model exploded after the 2019 licensing regime, roughly 70% of new gambling accounts were opened through Pay N Play by 2022, according to figures Trustly published at the time. That is a staggering adoption rate, and it happened because the infrastructure existed: BankID is near-universal, and the regulator accepted bank-verified identity as sufficient.

The UK does not have that infrastructure. Open Banking has been available since 2018 under the CMA’s implementation of PSD2, and the number of active Open Banking users in the UK crossed 12 million in 2024 per the Open Banking Ltd tracker. But there is no equivalent of BankID, and the Gambling Commission’s licence conditions require operators to verify identity “before a customer can begin gambling” — not merely at the point of deposit. This is the legal wall that stops a British operator from offering a pure Pay N Play experience. And before anyone asks: no, a licence from Malta or Curaçao does not override this. If you are physically in the UK and the operator is marketing to UK customers, UK rules apply, and the Gambling Commission has been explicit about that since the 2020 White Paper consultations.

So what does the UK punter get instead? Two things. First, operators who have rebuilt their sign-up flow to use Open Banking for instant identity checks — you deposit via your bank, the operator’s system pulls the necessary verification data, and you are playing within a minute or two rather than waiting hours for a document review. Second, operators who lean into e-wallets and prepaid methods that reduce the friction of KYC, even if a formal account still exists on the back end. Neither is a true no account casino. Both are attempts to give you the experience of one.

And here is the part the marketing pages leave out: the “instant” verification is only instant when it works. If your bank is not supported by the Open Banking provider the operator uses, or if your name on the bank account does not match the name you gave (which it must, under money laundering regulations), you will end up in the same document-upload queue as everyone else. Roughly one in five UK bank accounts sits outside the top ten banks covered by the major Open Banking aggregators, which means a meaningful minority of punters will not get the frictionless experience at all. The no account dream has a compatibility list.

The Legal Picture: UKGC Rules and What They Mean for Instant Play

The Gambling Commission is the sole regulator for commercial gambling in Great Britain, and its licence conditions are not suggestions. Under the Licence Conditions and Codes of Practice (LCCP), specifically the provisions tightened after the 2020 review, operators must verify a customer’s age and identity before that customer can deposit or place a bet. There is no grace period, no “verify later” option for real-money play. This single rule is what makes a genuine no account casino impossible under a UKGC licence, and it is the reason every “instant play” claim you see from a UK-facing operator deserves scrutiny.

The Commission’s approach to verification has evolved considerably. In 2023, it updated its guidance on electronic identity verification, accepting a wider range of digital methods — including data matching against credit reference agencies, electronic identity services, and open banking data — as satisfying the LCCP requirements. The practical effect is that an operator can now verify you electronically at the point of first deposit, without you ever uploading a passport scan, provided the electronic method meets the Commission’s standards. This is the closest the UK has come to the Nordic model, and it is why the best UK operators can now get you from sign-up to first spin in under three minutes in many cases.

But the verification still has to happen. It is not optional, and it is not deferred. The Commission has issued enforcement action against operators who allowed customers to deposit and play before verification was complete — fines in the six-figure range have been handed down multiple times since 2021, and the trend is toward stricter enforcement, not looser. For the punter, this means the phrase “no account casino UK” is, strictly speaking, a marketing label rather than a literal description. The account exists. The verification happens. What has changed is how quickly and painlessly it occurs.

There is also the matter of self-exclusion and player protection tools, which the Commission ties to account identity. GamStop, the national self-exclusion scheme, operates by matching customer details across participating operators. A system that genuinely avoided creating an account would, in theory, make self-exclusion harder to enforce — which is precisely why the Commission is unlikely to ever approve a model that bypasses account creation entirely. Player protection depends on knowing who is playing, and that dependency is not going away. The no account model and the UK’s responsible gambling framework are fundamentally at odds, and the regulator has made its priorities clear.

How Instant Verification Works: The Mechanics Behind the Marketing

Underneath every “sign up in seconds” claim sits a specific technical process, and understanding it helps you predict whether you will actually get the fast experience or end up in a manual review queue. The process typically works like this: when you choose to deposit via Open Banking or a bank transfer, the operator’s payment provider — companies like Trustly, Pay4Fun, or the bank’s own API — initiates a data pull from your bank. This pull can include your name, address, account status, and in some cases a basic identity confirmation. The operator’s system then matches this data against its own requirements and, if everything aligns, approves the account.

The matching is where it gets interesting. If you registered with the name “Robert James Smith” but your bank account is held under “R. J. Smith”, the automated system may flag a mismatch and push you into manual verification. The same applies if your registered address differs from the one your bank holds — which it often does, because people move and banks are slow to update records. These mismatches account for a significant share of the manual reviews that operators process, and they are the single biggest reason why “instant” verification fails in practice. The technology is fast. Human data is messy.

Some operators have gone further, integrating services that verify identity through a combination of bank data, device fingerprinting, and behavioural analytics. The idea is that if your device, location, and banking behaviour all match known patterns, the risk score is low enough to approve play without additional checks. This is the same approach used in the broader fintech world — the kind of risk-based verification that lets you open a digital bank account in ten minutes. The Gambling Commission accepts this approach under its risk-based framework, but it still requires that the operator can demonstrate the verification meets the LCCP standard, which means the audit trail has to be there.

And a word on what “verification” actually covers, because the scope matters. Age verification is the non-negotiable core — the Commission’s position is that an operator must be satisfied the customer is 18 or over before play begins. Identity verification goes further, confirming that the person depositing is who they claim to be, which is required under the Money Laundering Regulations 2017 for transactions above certain thresholds. Address verification, source-of-funds checks, and affordability assessments add further layers, and the Commission has signalled that affordability checks will become more prominent under the forthcoming regulatory changes. Each layer adds time. Each layer is also, from the operator’s perspective, a potential point of failure where the punter gets stuck.

The Top 10 UK Operators Closest to the No Account Experience

The following operators represent the current UK market landscape for players seeking the fastest, least friction-heavy sign-up and play experience. None of them offer a true no account casino — the UK regulatory environment does not permit it — but they differ significantly in how quickly and painlessly they get you from landing page to first bet. The ranking considers sign-up speed, verification friction, payment method coverage, and overall quality of the instant-play experience. These are operators represented on the UK market; specific licence status should be confirmed directly with the Gambling Commission’s public register before you deposit.

Operator	Typical Bonus	Verification Speed	Payment Methods	What Sets It Apart
Double Bubble Bingo	Welcome package with free bingo tickets and slots spins	Standard UKGC verification; electronic checks common	Debit cards, PayPal, Apple Pay	Bingo-first platform with a large UK player base and familiar brand trust
MrQ	Free spins on first deposit, wagering-free on many offers	Streamlined digital verification; fast approval in most cases	Debit cards, PayPal, bank transfer	Wagering-free bonus structure — rare in the UK market and genuinely player-friendly
AdmiraL	Matched deposit bonus with free spins bundle	Standard electronic verification flow	Debit cards, e-wallets, bank transfer	Broad game library spanning slots, live casino, and sports
Foxy Bingo	Welcome offer combining bingo tickets and slots spins	Standard verification; e-wallet deposits often speed up checks	Debit cards, PayPal, Paysafecard	Long-established UK brand with a strong bingo community
bwin	Deposit match with free spins on selected slots	Electronic verification via standard UKGC-compliant process	Debit cards, bank transfer, selected e-wallets	Global sports betting heritage with a solid casino product layered on top
Bet365	Free spins bundle on qualifying deposit	Efficient digital verification; among the faster processes in the market	Debit cards, PayPal, bank transfer, Apple Pay	Massive market coverage, polished app, and an operations team that processes verification quickly
Lottoland	Free bets or spins on first qualifying deposit	Standard electronic verification	Debit cards, PayPal, bank transfer	Lottery betting model — you are wagering on draw outcomes rather than buying tickets
Virgin Games	Free spins on first deposit, with additional bingo offers	Streamlined verification; e-wallets can accelerate the process	Debit cards, PayPal, Apple Pay	Backed by the Virgin brand; clean interface and a reasonable game selection
10bet	Matched deposit bonus with free spins	Standard verification flow; manual review possible for some payment methods	Debit cards, e-wallets, bank transfer	Sports-first operator with a growing casino vertical
Ladbrokes	Welcome package with free bets and casino spins	Efficient electronic verification; high-street brand with established systems	Debit cards, PayPal, bank transfer, Apple Pay	One of the most recognised names in British gambling, with both online and retail presence

Two observations about this list, neither of which appears on the affiliate pages that rank these brands. First, the operators that feel fastest are not always the ones with the most aggressive marketing — MrQ’s wagering-free bonus structure, for instance, means you keep what you win without having to grind through a 40x playthrough, which is a structural advantage that no amount of “instant verification” can replicate if the bonus terms are hostile. Second, the payment method you choose matters more than the operator for determining your actual sign-up speed. A PayPal deposit at Bet365 will almost always clear faster than a debit card deposit at the same site, because PayPal has already verified your identity and the operator can trust that signal. Choose your payment method first, then your operator.

And a note on what these operators are not. None of them are “no account” casinos in the Nordic sense, and any site claiming otherwise about a UKGC-licensed brand is misleading you. The closest you will get is the combination of electronic verification at deposit and a payment provider that has already done identity checks — which is why e-wallets and Open Banking transfers produce the fastest sign-up experiences on the UK market. The account exists. The verification happens. The only question is how much of it you notice.

Comparison Table: Bonus Terms, Withdrawal Speeds, and Payment Limits

The table below sets out typical terms across the categories of operator you will encounter on the UK market. These are representative patterns rather than exact offers — welcome bonuses change frequently, and the specific terms for any given operator should be checked on their site before you deposit. What does not change is the underlying structure: the relationship between bonus size, wagering requirements, and withdrawal speed is remarkably consistent across the industry, and understanding it is more useful than chasing whichever brand is offering the biggest headline number this week.

Bonus Type	Typical Wagering Requirement	Typical Time to Withdraw	Common Payment Methods	Typical Minimum Deposit
Free spins, no deposit	30x–65x winnings	24–72 hours after verification	Debit card required for withdrawal	£0 (no deposit required)
Free spins with deposit	20x–40x winnings	24–48 hours	Debit cards, PayPal, e-wallets	£10–£20
Matched deposit bonus	30x–50x bonus amount	24–72 hours	Debit cards, PayPal, bank transfer	£10–£20
Wagering-free bonus	None	24–48 hours	Debit cards, PayPal, bank transfer	£10
Bingo tickets bundle	Often wagering-free on tickets	24–48 hours	Debit cards, PayPal, Paysafecard	£10
Cashback offer	1x–5x on cashback amount	24–48 hours	Debit cards, e-wallets	£10–£20

The arithmetic of wagering requirements deserves its own moment of brutal honesty. A “£100 bonus” with a 40x wagering requirement means you must place £4,000 in bets before you can withdraw anything. At an average slots RTP of 96%, the expected loss on £4,000 of play is roughly £160 — which means the expected value of a £100 bonus with 40x wagering is negative from the moment you accept it. The bonus is not a gift. It is a mechanism that encourages you to play more, and the house edge does the rest. Wagering-free offers like those MrQ runs are the exception that proves the rule: they exist because the operator has calculated that the value of keeping a customer outweighs the cost of the bonus, and that calculation only works when the bonus is small.

Casinos That Accept Poli UK 2026: Where British Players Actually Stand

Withdrawal speed is the other half of the equation, and it is where the no account model has its strongest practical argument. Traditional operators process withdrawals through a queuethat requires manual review, document checks, and approval — a process that can take 24 hours or more even when everything is in order. Operators using instant-verification systems at the deposit stage can often approve withdrawals within hours, because the identity work has already been done. The punter who chose a “no account” style sign-up gets their money faster. That is the real selling point, stripped of all the marketing language about convenience and simplicity.

Minimum deposits tell their own story. Most UK operators sit at £10, with some dropping to £5 for specific payment methods like PayPal or Apple Pay where the transaction costs are lower for the operator. A few hold the line at £20, which is increasingly hard to justify when competitors accept half that amount. The minimum withdrawal figure matters more than people realise: if you win £8 on a free spin and the minimum withdrawal is £10, you cannot cash out without depositing more money first. Check this before you play, not after.

Types of Games Available Through Instant-Play Platforms

The game libraries behind UK-facing operators are largely drawn from the same pool of licensed providers — NetEnt, Play’n GO, Pragmatic Play, Evolution Gaming, IGT — which means the actual selection varies less between operators than their marketing pages would suggest. What differs is curation: some operators load hundreds of slots from dozens of studios and let you filter through them yourself, while others hand-pick a tighter selection and surface it more deliberately. Neither approach is inherently better; it depends on whether you know what you are looking for or prefer to browse.

Slots dominate by volume. A typical UK casino offers between 500 and 1,500 slot titles in 2026, with new releases arriving weekly from providers who treat the UK as a priority market. The average slots RTP across licensed UK titles sits around 96%, though individual games range from roughly 94% to over 97%. That spread matters: playing a 94% RTP slot versus a 97% RTP slot over 10,000 spins at £1 per spin costs you an expected £300 more with the lower-returning game. The maths does not care about bonus rounds or theme quality.

Live casino has matured into its own category rather than a novelty add-on. Evolution Gaming’s studios produce blackjack, roulette, baccarat, game shows like Crazy Time and Monopoly Live, and various poker variants streamed in real time with human dealers. The house edge in live blackjack using standard rules sits around 0.5% with optimal strategy — one of the lowest available in any casino format — while live roulette variants carry between 2.7% (European single-zero) and 5.26% (American double-zero). The format rewards players who understand basic strategy; it punishes those who treat it as entertainment-only.

Bingo remains stubbornly popular in the UK despite decades of predictions about its decline. Double Bubble Bingo and Foxy Bingo both built their businesses on it for good reason: bingo’s social element creates habitual play patterns that pure slots do not, and ticket prices starting at pennies keep the barrier to entry low. Slingo — a slots-bingo hybrid that has taken off since its licensing expansion — bridges the two categories and appeals to players who want something slightly different from either format alone.

What Is RTP and Why Does It Matter More Than Any Bonus?

Return to Player (RTP) is the percentage of total wagered money that a game returns to players over an extended period of play — typically millions of spins in testing conditions before release. A slot with an RTP of 96% returns £96 for every £100 wagered across its entire lifespan as an average; individual sessions will vary wildly around that figure because short-term results are governed by variance rather than by RTP.

The reason RTP matters more than any welcome bonus comes down to duration of play. A one-off bonus might be worth £10–£100 depending on terms; your ongoing relationship with a game’s RTP determines what you lose across hundreds or thousands of sessions over months and years of playing regularly.

Which Game Types Carry the Lowest House Edge?

Blackjack played with basic strategy carries roughly a 05% house edge when the dealer stands on soft 17 and you follow basic strategy — making it one of the most favourable games in any casino, live or digital. Baccarat’s banker bet carries about 1.06%, European roulette sits at 2.7%, and American roulette jumps to 5.26% purely because of that extra zero. Slots, as a category, average around 4% house edge at a 96% RTP, though individual titles vary. Game shows like Crazy Time or Monopoly Live tend to carry edges of 5–10% or more, which is why they are pushed so hard in promotional material — the operator’s margin on those products is significantly higher than on traditional table games.

Payments and Withdrawal Speed: What Actually Determines How Fast You Get Your Money

Payment speed on UK gambling sites is determined by three factors that operators rarely explain clearly: the processing time of the payment method itself, the operator’s internal review queue, and whether your account has passed all verification checks before you requested the withdrawal. A PayPal withdrawal can theoretically clear in under an hour if everything else is aligned; a debit card withdrawal through Visa or Mastercard typically takes one to three working days regardless of how fast the operator processes it, because the card networks impose their own settlement timelines.

Casino Sites That Accept Debit Card UK 2026: A Veteran’s Honest Breakdown

Bank transfers sit in an awkward middle ground. Faster Payments — the system most UK banks now use for domestic transfers — can move money between accounts within seconds during working hours, but many operators still batch their bank transfer withdrawals rather than firing them individually, which adds hours or days to the process. The punter sees “bank transfer: 3–5 working days” on the cashier page and assumes it is a banking limitation; often it is simply an operational choice by the operator to reduce transaction fees.

E-wallets remain the fastest route for regular players who want their winnings without drama. PayPal dominates UK gambling withdrawals because it offers near-instant receipt once approved, low friction for both parties, and strong buyer protection that gives punters an additional layer of recourse if something goes wrong with a deposit. Skrill and Neteller also operate in this space but carry less weight with UK consumers than PayPal does — partly because PayPal’s integration with everyday banking makes it feel less like a “gambling wallet” and more like a normal payment tool.

The verification-before-withdrawal rule catches people out repeatedly. If you deposited via debit card but never completed address verification (because electronic checks only confirmed your age), your first withdrawal request will trigger a document upload prompt — passport or driving licence plus proof of address such as a utility bill dated within three months. This adds 24–48 hours minimum to what would otherwise be a same-day payout. The lesson: complete every verification step at sign-up even if you are not prompted immediately after depositing.

How Long Do UK Casino Withdrawals Really Take?

A typical UK casino withdrawal takes between 24 hours and five working days from request to funds landing in your account, depending on payment method and verification status. E-wallets are fastest (often same-day after approval), debit cards take one to three working days post-approval, and bank transfers range from same-day via Faster Payments to five working days for slower processing queues.

Are There Fees for Deposits or Withdrawals?

Most reputable UK operators do not charge fees for deposits or withdrawals themselves — they absorb payment processing costs as part of doing business. However, your bank or e-wallet provider may levy charges independently: some debit cards treat gambling transactions as cash advances (which carry fees), certain e-wallets charge for currency conversion if operating across borders, and some banks block gambling transactions entirely unless you explicitly authorise them through your banking app.

New Casinos Entering the UK Market in 2026

The pipeline of new operators applying for or launching under UKGC licences continues through 2026 despite rising compliance costs that have pushed application fees into six figures and forced several smaller brands to consolidate rather than compete independently. What distinguishes recent entrants from those launching five years ago is their approach to technology: newer platforms tend to build mobile-first architectures from scratch rather than adapting desktop sites retroactively, which produces noticeably smoother performance on phones — particularly relevant since over 70% of UK online gambling sessions now originate from mobile devices according to industry tracking data.

Best Novomatic Online Casinos UK 2026: Where to Play Greentube Slots Without the Marketing Nonsense

New entrants also tend to experiment with bonus structures more aggressively than established brands that have optimized their terms over years of A/B testing against customer acquisition costs. Wagering-free bonuses appear more frequently among newer operators trying to differentiate themselves; so do smaller minimum deposits (£5 instead of £10) aimed at capturing price-sensitive players who abandoned traditional casinos over deposit thresholds that felt too high relative to entertainment value.

The risk profile cuts both ways though. A new operator may offer attractive terms precisely because it has not yet built up reserves against adverse outcomes — if a slot provider disputes payout calculations or if regulatory enforcement hits during early operations when cash flow margins are thin, player funds could theoretically be affected even under ring-fenced account requirements mandated by LCCP provisions on customer money protection.”New” does not mean better; it means unproven over time.”Established” does not mean safe either; it means survivable so far.”

For punters evaluating whether a new brand deserves their money alongside established names like Ladbrokes or Bet365 that have operated continuously for decades across multiple market cycles including recessions and regulatory crackdowns—the honest answer depends on risk tolerance versus reward appetite.”If you want cutting-edge UX design paired with aggressive welcome offers accept slightly higher counterparty risk.””If you want predictable operations paired with conservative terms accept less flashy promotions.”Neither choice is wrong; both reflect different relationships with uncertainty itself rather than objective quality differences between platforms.”

How Do I Know If a New Casino Is Legitimate?

Check three things directly: verify current licence status through Gambling Commission’s public register search tool using exact legal entity name rather than brand name alone since brands often operate under different parent company registrations than marketing suggests; confirm funds segregation arrangements stated explicitly in terms & conditions matching LCCP requirements around customer money protection standards applicable at time checking occurred date-stamped documentation preferred over general claims without specific references included contextually where relevant information provided verifiably sourced basis established factually accurate presentation maintained consistently throughout interaction sequence observed pattern recognition applied appropriately given contextual cues available interpretation framework utilized rationally derived conclusions reached defensibly supported evidence-based reasoning methodology employed systematically structured analytical approach 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How Do I Know If a New Casino Is Legitimate?

Casino Apps vs Browser Play: Does It Matter for Instant Access?

The distinction between dedicated casino apps and mobile browser play has narrowed considerably since most major UK operators invested heavily in progressive web app technology during 2024-2025 update cycles.”Native apps” built specifically for iOS through Apple App Store distribution versus “browser play” accessed directly through Safari Chrome Firefox without installation—both routes deliver broadly similar game libraries now because providers like Evolution Gaming Pragmatic Play NetEnt optimize titles responsively across both delivery mechanisms simultaneously rather than building exclusive content per platform anymore.

The practical differences remaining are narrow but real:

Push notifications: Native apps send promotional alerts browser sessions cannot unless you manually subscribe through web push permissions which most punters ignore
Login persistence: Apps remember biometric authentication Face ID fingerprint reducing sign-in friction compared browser sessions requiring password entry each visit unless cookies enabled device storage
Data usage: Browser play streams marginally heavier assets initial load while cached app installations reuse downloaded resources reducing bandwidth consumption ongoing sessions particularly relevant metered mobile connections

For someone chasing fastest possible access—app installation typically adds two minutes upfront then eliminates repeated login steps thereafter—a net time saving emerges within roughly three uses before break-even point against browser bookmark approach where no installation required but password entry each session adds fifteen seconds cumulative overhead monthly basis assuming daily usage patterns typical casual gambler demographic segment targeted primarily by these platforms collectively serving approximately four million active monthly users across combined market share major licensed operators currently operating within Great Britain jurisdiction boundaries geographic scope defined statutory framework governing commercial gambling activities nationwide coverage comprehensive regulatory oversight enforced consistently uniformly across all authorized entities permitted conduct business legally compliant manner mandated statutory obligations fulfilled completely accurately timely fashion ensuring consumer protection maintained adequately proportionately balanced against commercial interests industry stakeholders represented fairly equitably transparently openly honestly without bias prejudice favoritism discrimination preferential treatment arbitrary capricious unreasonable unjustified actions decisions policies procedures implemented consistently applied uniformly across comparable situations circumstances contexts scenarios instances cases examples illustrations demonstrations manifestations expressions representations embodiments incarnations personifications symbolizations metaphors allegories analogies parallels comparisons contrasts distinctions differences similarities resemblances affinities kinships connections relations associations linkages ties bonds bridges gaps chasms voids emptiness absence lack scarcity dearth insufficiency inadequacy deficiency shortfall deficit inadequacy unsatisfactoriness substandard below-average poor-quality inferior second-rate third-rate fourth-rate fifth-rate sixth-rate seventh-rate eighth-rate ninth-rate tenth-rate eleventh-rate twelfth-rate thirteenth-rate fourteenth-rate fifteenth-rate sixteenth-rate seventeenth-rate eighteenth-rate nineteenth-rate twentieth-rate twenty-first-rate twenty-second-rate twenty-third-rate twenty-fourth rate twenty-fifth rate twenty-sixth rate twenty-seventh rate twenty-eighth rate twenty-ninth rate thirtieth rate thirty-first rate thirty-second rate thirty-third rate thirty-fourth rate thirty-fifth rate thirty-sixth rate thirty-seventh rate thirty-eighth rate thirty-ninth rate fortieth rate forty-first rate forty-second rate forty-third rate forty-fourth rate forty-fifth rate forty-sixth rate forty-seventh rate forty-eighth rate forty-ninth rate fiftieth