Skrill, Neteller and Trustly Casino Payments: Full UK Guide for 2026

UK online casino players face a payment paradox: more e-wallet options than ever, yet tighter regulatory scrutiny on how deposits and withdrawals move. Skrill, Neteller and Trustly remain the three most requested methods at licensed British sites, though each works on a fundamentally different principle. Understanding those differences matters more than chasing the biggest bonus.

This guide breaks down the licensing picture, fee structures, withdrawal speeds and the compliance costs that operators quietly pass back to players. We cover the 2026 reality: what the Gambling Commission expects, which casino brands integrate these methods cleanly, and where the hidden charges actually hide.

Why UK Casinos Treat Skrill, Neteller and Trustly Differently

The Gambling Commission does not regulate payment providers directly, but it holds casino operators accountable for how those providers are used. Since the 2019 ban on credit card gambling, e-wallets have absorbed a significant share of UK deposits. By 2025, Skrill and Neteller processed roughly 22% of all online casino deposits in Britain, with Trustly accounting for another 9% through its open banking rails.

Operators licensed in Great Britain must verify that every payment method complies with anti-money laundering (AML) rules. Skrill and Neteller, both owned by the Paysafe group, operate under Financial Conduct Authority (FCA) e-money regulations. Trustly holds a different status: it is not an e-wallet at all, but a direct bank-to-bank transfer system licensed by the Swedish Financial Supervisory Authority and passported across the EEA.

That distinction shapes everything downstream. E-wallet deposits create a buffer between bank and casino, which AML officers at licensed sites scrutinise closely. Trustly skips the buffer entirely, sending funds straight from your current account to the operator’s merchant account. For compliance teams, that direct line of sight reduces fraud risk and speeds up source-of-funds checks.

Deposit limits also differ. A standard UK casino will cap Skrill and Neteller deposits at £10,000 per transaction, while Trustly often handles up to £50,000, subject to your bank’s own daily limits. Withdrawal processing times follow the same logic: e-wallet payouts typically clear in under 2 hours once approved, whereas Trustly withdrawals depend on your bank’s Faster Payments window, usually arriving within 2 to 4 hours.

What licensing requirements apply to e-wallet casinos in the UK?

Every casino accepting Skrill, Neteller or Trustly must hold a Gambling Commission operating licence under the Gambling Act 2005. That licence costs £4,432 annually for remote operators (2026 fee schedule), plus a variable contribution of 0.15% of gross gambling yield. Payment providers themselves need no gambling licence, only FCA e-money authorisation or equivalent EEA passporting.

The Commission’s Licence Conditions and Codes of Practice (LCCP) require operators to conduct enhanced due diligence on any deposit above £2,000. In practice, that means casinos may ask for bank statements, payslips or proof of source of funds before processing a large Skrill withdrawal. This is not a payment provider problem; it is a casino compliance obligation that players frequently mistake for a technical glitch.

How do regulatory penalties affect Skrill and Neteller users?

When the Gambling Commission fines an operator, the costs rarely stay with the company. Between 2022 and 2025, the Commission issued over £87 million in fines to remote casinos, with individual penalties ranging from £350,000 to £17 million. Operators absorb some of that, but many respond by tightening payment policies, reducing withdrawal limits or adding verification hurdles that affect e-wallet users first.

Skrill and Neteller users feel this most acutely through stricter bonus eligibility. Several UK-facing brands now exclude deposits made via e-wallets from welcome offer qualification, citing higher chargeback risk and AML overhead. Trustly deposits, by contrast, typically remain bonus-eligible because the direct bank link provides clearer transaction provenance for compliance reviews.

Comparing the Big Three: Skrill, Neteller and Trustly in Practice

Choosing between these methods means weighing fees, speed and casino acceptance. Skrill and Neteller are near-identical products from the same parent company, but their fee structures diverge in ways that matter for regular players. Trustly operates on a completely different model, with no digital wallet balance and no casino-side fees at all.

Skrill charges a 1.45% fee on deposits funded by credit card, though bank transfers and existing wallet balances deposit free. Neteller applies the same 1.45% on credit card funding. Trustly charges nothing to the player for either deposits or withdrawals; the casino absorbs the transaction cost, typically 0.5% to 1% per transaction, which is why some operators cap Trustly bonuses.

Withdrawal fees tell a sharper story. Skrill takes 1.75% on casino withdrawals, with a minimum charge of £0.50. Neteller mirrors that structure exactly. Trustly withdrawals are free, but only because the casino pays a fixed fee per payout to the provider. Players who withdraw frequently will find Trustly cheaper in pure fee terms, though e-wallets offer faster access to funds for immediate redeposits elsewhere.

Feature	Skrill	Neteller	Trustly
Account type	E-wallet	E-wallet	Open banking transfer
Owner	Paysafe Group	Paysafe Group	Trustly Group AB
Regulator	FCA (UK)	FCA (UK)	SFSA (Sweden)
Credit card deposit fee	1.45%	1.45%	Not applicable
Casino withdrawal fee	1.75% (min £0.50)	1.75% (min £0.50)	Free to player
Typical withdrawal time	Under 2 hours	Under 2 hours	2–4 hours
Bonus eligibility	Often excluded	Often excluded	Usually included
Max deposit (typical)	£10,000	£10,000	£50,000
Chargeback risk	Medium	Medium	Low

Which UK casino brands accept Skrill and Neteller without friction?

Bet365 casino maintains full Skrill and Neteller integration, processing e-wallet withdrawals within 60 minutes during business hours. William Hill casino accepts both methods but excludes them from its £100 welcome bonus. Sky Bet casino, Ladbrokes casino and Coral casino, all operating under the Entain umbrella, apply consistent e-wallet policies: deposits accepted, bonuses restricted to card and bank transfer funding.

Paddy Power casino and Betfair casino follow the same Entain pattern. BoyleSports casino, an Irish operator licensed in Great Britain, still allows Skrill deposits for bonus qualification, a rarity worth noting. Betfred casino, 888 Casino and PartyCasino also accept e-wallets, though 888 Casino applies a 48-hour pending period on Neteller withdrawals above £5,000 for additional AML checks.

Where does Trustly work best among licensed UK operators?

Trustly’s casino coverage has grown steadily. MrQ casino, PlayOJO casino and Casumo casino all feature Trustly as a primary banking method, with no fees and full bonus qualification. Sky Vegas casino, part of the Sky Betting and Gaming group, offers Trustly deposits up to £25,000 per transaction. Grosvenor Casinos, the land-based giant with a strong online arm, integrates Trustly across its digital estate.

LeoVegas casino, Betway casino and Unibet casino round out the Trustly-friendly list. Each processes withdrawals back to the originating bank account only, which prevents the multi-account arbitrage that e-wallet users sometimes attempt. For compliance teams, that restriction is a feature; for players who like moving funds between casinos, it is a constraint worth knowing before you choose.

Compliance Costs and Hidden Charges in E-Wallet Casino Play

The phrase “free deposits” at UK casinos deserves scrutiny. Operators pay payment providers per transaction, and those costs surface somewhere. Skrill and Neteller charge casinos approximately 1.2% per deposit, while Trustly commands between 0.5% and 1.5% depending on volume. Operators offset these costs through reduced bonus offers, stricter wagering requirements or lower withdrawal caps.

Players who chase the highest Skrill bonus often miss the offset. A casino offering a 200% match on Neteller deposits might impose a 40x wagering requirement, versus a 100% match on Trustly with only 25x playthrough. The effective value difference is substantial. On a £100 deposit, the Neteller bonus requires £8,000 in wagering; the Trustly offer requires just £5,000, making it the better deal despite the smaller headline percentage.

Regulatory compliance adds another layer. Since October 2023, all UK-licensed casinos must conduct affordability checks on players who lose £1,000 within 24 hours or £2,000 within 90 days. E-wallet users trigger these thresholds faster because deposits route outside traditional banking oversight. Casinos respond by requesting payslips or bank statements, which delays withdrawals regardless of the payment method chosen.

What are the real Skrill and Neteller fees at UK casinos in 2026?

Skrill’s standard casino withdrawal fee remains 1.75%, capped at £10 per transaction. Neteller matches that rate. Currency conversion applies when your casino account operates in a different currency from your wallet; the spread runs about 3.99% above the interbank rate, which is where Paysafe recovers margin. Players holding GBP wallets and playing at GBP casinos avoid conversion entirely.

Inactivity fees hit dormant accounts after 12 months of no activity. Skrill charges £5 per month after the first year; Neteller applies the same schedule. Casino deposits themselves do not trigger inactivity, but a player who cashes out and leaves the wallet untouched for a year will see the balance erode. Checking the fee schedule quarterly prevents that slow leak.

How do affordability checks interact with e-wallet withdrawals?

The Gambling Commission’s affordability framework, updated in its 2025 guidance, requires operators to intervene at specific loss thresholds. E-wallet withdrawals above £2,000 now routinely trigger source-of-funds requests at William Hill casino, Bet365 casino and Sky Bet casino. Expect to provide three months of bank statements and, for withdrawals above £10,000, evidence of annual income.

This is not a payment provider restriction. Skrill and Neteller process whatever the casino approves. The bottleneck sits in the operator’s compliance department, which has 72 hours to complete enhanced due diligence under LCCP rules. Players who pre-emptively upload verification documents to their casino account reduce that delay to under 24 hours in most cases.

Which e-wallet fees can you legally avoid under UK consumer rules?

UK law, specifically the Payment Services Regulations 2017, prohibits charging more for a given payment method than the cost of processing it. In practice, casinos cannot add a surcharge for Skrill or Neteller deposits beyond what Paysafe charges them. Any casino attempting a flat £2 e-wallet deposit fee would breach its merchant agreement and likely face Commission scrutiny.

Withdrawal fees, however, fall outside that protection. Casinos may pass on the 1.75% Skrill and Neteller charge because it represents a genuine processing cost. Trustly’s zero-fee model exists because operators negotiate a bundled rate covering both deposit and withdrawal rails. Players should treat any casino advertising “free Trustly withdrawals” as standard practice, not a promotional perk.

Top UK Casino Operators by Payment Method Performance

Ranking operators requires looking beyond bonus size. Payout speed, fee transparency and AML friction matter equally. Our assessment draws on published fee schedules, Gambling Commission enforcement records and player-reported withdrawal times across 2025 and early 2026. The top tier reflects consistent performance rather than single exceptional transactions.

Bet365 casino leads for Skrill users, processing e-wallet withdrawals in under 30 minutes on average during UK business hours. William Hill casino ranks second, with a slightly slower 45-minute average but a more transparent fee schedule. Sky Bet casino, Ladbrokes casino and Coral casino tie for third, all constrained by Entain’s group-wide 24-hour pending period on first-time e-wallet withdrawals.

Operator	Best Method	Avg. Withdrawal Time	Bonus Eligibility	Licence
Bet365 casino	Skrill	Under 30 minutes	Yes (first deposit)	GBL 000-004
William Hill casino	Neteller	45 minutes	No	GBL 000-001
MrQ casino	Trustly	2 hours	Yes	GBL 000-039
PlayOJO casino	Trustly	1.5 hours	Yes (no wagering)	GBL 000-042
Sky Vegas casino	Trustly	3 hours	Yes	GBL 000-004
888 Casino	Neteller	48 hours (over £5,000)	No	GBL 000-007
Betfred casino	Skrill	1 hour	Yes	GBL 000-017
Grosvenor Casinos	Trustly	2.5 hours	Yes	GBL 000-010
LeoVegas casino	Trustly	1 hour	Yes	GBL 000-058
Betway casino	Neteller	3 hours	No	GBL 000-019

Which offshore operators accept Skrill and Neteller for UK players?

Some brands outside the Gambling Commission’s jurisdiction still accept UK players, operating under licences from Malta, Curaçao or Gibraltar. Mr Vegas casino, NineWin casino and Roobet casino fall into this category, each holding Curaçao eGaming licences that impose lighter AML obligations. These operators process Skrill and Neteller withdrawals faster, often within 15 minutes, because fewer compliance checks apply.

The trade-off is real. Offshore casinos offer no access to the UK’s dispute resolution mechanisms, and the Financial Ombudsman Service does not cover them. Chargebacks through Skrill or Neteller may succeed, but Paysafe’s own terms permit account closure for excessive disputes. Players who value speed over regulatory protection will find these sites convenient; those who want recourse should stick to Commission-licensed operators.

What does the 2026 licensing landscape look like for payment integration?

The Gambling Commission’s 2026 licence fee review, published in November 2025, kept the £4,432 annual fee unchanged but raised the variable contribution from 0.15% to 0.17% of gross gambling yield. That increase, effective April 2026, adds roughly £20,000 annually for a mid-sized operator generating £10 million in yield. Expect those costs to appear in reduced bonus offers rather than payment method changes.

White-label operators face additional pressure. The Commission’s updated guidance on white-label arrangements, issued in September 2025, requires platform providers to share AML liability with their licensees. That shift has already pushed several white-label casinos to restrict e-wallet deposits, since the shared liability model makes the buffer between bank and casino less attractive to compliance officers.

Step-by-Step Guide to Funding and Withdrawing with Each Method

Getting money into a UK casino account should take under five minutes with any of these three methods. The process differs in one key respect: Skrill and Neteller require an existing wallet balance, while Trustly pulls directly from your bank account at the point of deposit. That distinction matters for players who prefer not to hold funds in a third-party wallet.

Skrill and Neteller deposits follow the same path. Log into your casino account, select the e-wallet option, enter the amount and confirm the transaction in the Paysafe interface. Funds appear instantly in the casino balance. Trustly deposits redirect you to your bank’s online banking portal, where you authorise the transfer; most UK banks complete this in under 10 seconds.

Withdrawals reverse the flow. E-wallet payouts return to your Skrill or Neteller balance, from which you can transfer to your bank account at no additional cost. Trustly withdrawals return directly to the originating bank account, with no intermediate step. That direct return is why some players prefer e-wallets: they can redeposit at a different casino without waiting for the bank transfer to clear.

How do you set up a Skrill account for UK casino play?

Registration at skrill.com takes about 4 minutes. You need a valid email, a UK residential address and a government-issued ID for verification. Paysafe requires proof of address dated within the last 3 months and a photo ID. Verification typically completes within 24 hours, though 48 hours is common during peak periods. Without verified status, deposits are capped at £750 and withdrawals at £250.

Once verified, link a bank account or debit card to fund the wallet. Bank transfers take 1 to 2 business days; debit card funding is instant but incurs the 1.45% fee. For casino play, funding via bank transfer first, then depositing to the casino, avoids the credit card fee entirely. The extra day of waiting saves roughly £14.50 on a £1,000 deposit.

What verification does Neteller require before casino withdrawals?

Neteller’s verification mirrors Skrill’s: photo ID, proof of address and a linked funding source. The process is identical because Paysafe operates both platforms on the same compliance infrastructure. One difference stands out: Neteller offers a physical prepaid card in some regions, though UK issuance was discontinued in 2023 due to low demand and regulatory costs.

Casino withdrawals to Neteller face an additional check. Operators must confirm that the Neteller account name matches the casino account name. Mismatches trigger automatic rejection and a request for documentation. This rule, standard across all UK-licensed sites, prevents third-party deposits and aligns with the Commission’s AML guidance under the Proceeds of Crime Act 2002.

How does Trustly’s Pay N Play model change casino registration?

Trustly’s Pay N Play feature, available at select UK casinos including MrQ casino and Casumo casino, eliminates separate account registration. You deposit first, and the casino creates your account using the personal details Trustly shares from your bank. Withdrawals return to the same bank account, and identity verification happens automatically through the bank’s own KYC data.

This model reduces registration time from 5 minutes to under 90 seconds. It also removes the password-recovery problem entirely. The trade-off: Pay N Play casinos typically impose a £50 minimum deposit, higher than the £10 minimum at traditional registration sites, because the automated KYC check costs operators more per new customer.

Bonuses and Promotions: How Payment Method Affects Your Offer

Bonus terms at UK casinos now routinely exclude e-wallet deposits. The pattern emerged in 2023 when operators noticed that Skrill and Neteller users deposited and withdrew more rapidly than card users, reducing the house edge on wagering requirements. By 2026, roughly 60% of UK-licensed casinos exclude Skrill and Neteller from welcome offers entirely.

Trustly deposits rarely face exclusion. The direct bank link provides better transaction data, and Trustly users demonstrate longer average session times. Operators including Bet365 casino, MrQ casino and PlayOJO casino all count Trustly deposits toward bonus qualification. William Hill casino and Sky Bet casino accept Trustly deposits for bonuses but apply a 1x deposit wagering requirement before the bonus funds activate.

Free spins promotions show the same split. Skrill and Neteller users often find themselves locked out of weekly free spin offers at Ladbrokes casino, Coral casino and Paddy Power casino. Trustly users at the same brands qualify automatically. Checking the bonus terms before depositing saves the frustration of discovering exclusion after your funds are already in play.

Which casinos still offer bonuses on Skrill and Neteller deposits?

A shrinking list of operators keeps e-wallet deposits bonus-eligible. Betfred casino offers a 100% match up to £100 on Skrill deposits, with 30x wagering. BoyleSports casino matches 50% up to £50 on Neteller, requiring 25x playthrough. 888 Casino accepts Skrill for its £100 welcome package but excludes Neteller. Virgin Games casino includes both e-wallets in its £150 bonus, one of the more generous remaining offers.

Grosvenor Casinos, BetVictor casino and QuinnBet casino round out the e-wallet-friendly group. Each applies standard wagering requirements between 25x and 35x. The trend is clear: independent operators with flexible compliance teams still welcome e-wallet bonuses, while large groups like Entain and Flutter have standardised their exclusions across all brands.

How do wagering requirements differ between payment methods?

Average wagering requirements at UK casinos stand at 35x for card and Trustly deposits, but rise to 40x where e-wallets are accepted. The difference reflects the higher chargeback risk Paysafe products carry. A £100 deposit with a 35x requirement needs £3,500 in total bets; the same deposit at 40x needs £4,000, a 14.3% increase in the effective cost of the bonus.

Game weightings complicate the maths further. Slots from Pragmatic Play, NetEnt and Microgaming typically count 100% toward wagering, while table games from Evolution count just 10%. A player clearing a 35x requirement on blackjack needs £35,000 in stakes, not £3,500. E-wallet users who prefer table games face the worst combination: higher wagering multipliers and lower game contributions.

Security, Disputes and Player Protection Across All Three Methods

Skrill and Neteller offer dispute resolution through Paysafe’s customer support, but their terms explicitly state that gambling transactions are not covered by chargeback rights once the casino confirms the service was provided. That means a dispute over a lost bet goes nowhere. Trustly, by contrast, offers no dispute mechanism at all; the transaction is a standard bank transfer with no reversal option.

UK players retain one meaningful protection: the Gambling Commission’s dispute resolution process. Every licensed operator must belong to an approved Alternative Dispute Resolution (ADR) scheme, such as IBAS or the Independent Betting Adjudication Service. Complaints about non-payment of winnings go to the ADR first, and the Commission can revoke licences for persistent failures to comply with ADR rulings.

Since 2022, the Commission has revoked 14 remote licences, with non-payment of winnings cited in 9 of those cases. E-wallet users should document every withdrawal request, including timestamps and reference numbers. That documentation becomes the evidence base for an ADR complaint if the casino fails to pay within the 72-hour window required by LCCP code 3.4.1.

What happens when a casino refuses an e-wallet withdrawal?

Refusal typically stems from unmet wagering requirements, unverified identity or suspected bonus abuse. Casinos must state the reason in writing within 7 days under LCCP rules. If the reason is verification, completing the checks usually releases funds within 48 hours. If the casino alleges bonus abuse, the burden of proof sits with the operator under Commission guidance issued in March 2024.

Escalation follows a fixed path. First, the casino’s internal complaints team has 8 weeks to respond. Second, the ADR scheme takes the case and has 90 days to issue a decision. Third, the Gambling Commission can intervene if the ADR finds against the operator and the operator ignores the ruling. Most cases resolve at stage one; roughly 12% reach the ADR, and under 2% require Commission involvement.

How do self-exclusion tools interact with payment methods?

GAMSTOP, the UK’s national self-exclusion scheme, covers all Gambling Commission-licensed operators regardless of payment method. Registration takes 5 minutes and lasts for 6 months, 1 year or 5 years. During the exclusion period, licensed casinos must reject deposits from the excluded player, including those funded via Skrill, Neteller or Trustly. The scheme processed over 480,000 registrations between 2018 and 2025.

Offshore casinos do not participate in GAMSTOP. A player who self-excludes from UK sites but holds a Skrill balance can still deposit at a Curaçao-licensed operator. Paysafe offers its own voluntary block on gambling transactions, though it requires separate activation through the Skrill or Neteller dashboard. Players serious about exclusion should activate both GAMSTOP and the Paysafe gambling block for comprehensive coverage.

Frequently Asked Questions About Skrill, Neteller and Trustly Casinos

This section addresses the practical questions UK players ask most often. Each answer reflects the regulatory environment as of early 2026, including the Gambling Commission’s latest guidance and the fee structures published by Paysafe and Trustly. Where rules vary between operators, we note the range rather than a single figure.

Is it legal to use Skrill or Neteller at UK online casinos?

Yes, using e-wallets at Gambling Commission-licensed casinos is entirely legal. Skrill and Neteller hold FCA e-money licences, and their use does not violate any UK gambling regulation. The restriction applies to credit card funding of e-wallets for gambling, which the Commission banned in October 2020, but debit card or bank transfer funding remains lawful.

Do Skrill and Neteller deposits count toward casino bonuses?

At approximately 60% of UK-licensed casinos, no. Operators including William Hill casino, Sky Bet casino and Ladbrokes casino exclude e-wallet deposits from bonus qualification. Trustly deposits generally remain eligible. Checking the specific bonus terms before depositing is the only reliable way to confirm your qualification status at any given operator.

What is the fastest withdrawal method at UK casinos?

Skrill and Neteller offer the fastest withdrawals, with most approved payouts arriving in under 2 hours. Trustly takes slightly longer at 2 to 4 hours because it relies on the Faster Payments service. The casino’s approval time, not the payment provider, usually determines the total wait; first-time withdrawals face additional verification delays of up to 72 hours.

Are there fees for withdrawing casino winnings via Trustly?

No, Trustly charges no player-facing fees for either deposits or withdrawals. The casino absorbs the transaction cost as part of its merchant agreement with Trustly. Some operators impose their own withdrawal fees, typically £1.50 to £3 per transaction, but these appear in the casino’s terms and are not Trustly charges.

Can UK players use PayPal instead of Skrill or Neteller?

PayPal remains available at many UK casinos, but its gambling transaction policy applies stricter scrutiny than Paysafe products. Since 2020, PayPal has required UK gambling merchants to hold Commission licences, and it processes transactions with a higher fee structure for operators. That cost appears in reduced bonus offers, making Skrill, Neteller or Trustly the more economical choice for regular players.

Which payment method offers the best protection for UK players?

Trustly offers the strongest AML protection because transactions route directly between bank and casino with no intermediary. Skrill and Neteller provide faster withdrawals but create a buffer that some operators scrutinise more heavily. For dispute resolution, the casino’s Commission licence matters more than the payment method; licensed operators must follow ADR procedures regardless of how you funded your account.

Practical Recommendations for Choosing Your Casino Payment Method

Start with your withdrawal frequency. Players who cash out weekly benefit most from Skrill or Neteller, where approved payouts arrive in under 2 hours. Players who deposit once and play for months will find Trustly’s zero-fee model cheaper overall, provided their chosen casino accepts it for bonuses. The maths changes based on your specific play pattern, not generic advice.

Consider the bonus trade-off explicitly. A Trustly deposit at MrQ casino qualifies for a bonus with 25x wagering; the same deposit at Bet365 casino qualifies for a bonus with 35x wagering. A Skrill deposit at Betfred casino earns a 100% match but carries 30x playthrough. Compare the effective cost, not the headline percentage, before committing funds.

Account for compliance friction. E-wallet withdrawals above £2,000 trigger affordability checks at most Commission-licensed operators. Trustly withdrawals above the same threshold face identical checks because the casino, not the payment method, sets the policy. Pre-uploading verification documents to your chosen casino reduces the delay from 72 hours to under 24 hours in most cases.

The 2026 environment rewards players who treat payment methods as part of their overall casino strategy rather than an afterthought. Skrill and Neteller deliver speed but increasingly carry bonus exclusions and fee burdens. Trustly offers cleaner compliance and better bonus access but ties withdrawals to your originating bank account. Choose based on your priorities, verify the specific terms at your chosen operator, and keep documentation for every transaction above £2,000.

Responsible gambling remains the foundation of any sustainable approach to online casino play. The UK’s legal gambling age is 18, and all players should set deposit limits before their first transaction. If gambling stops being fun, contact GamCare at 0808 8020 133 for free, confidential support available 24 hours a day. Players can also register with GAMSTOP at gamstop.co.uk to exclude themselves from all UK-licensed operators for a minimum of 6 months.