Start with the amount the percentage applies to

Record the exact definition beside the percentage. Total turnover is the sum of stakes included by the promotion. Losing stakes count only unsuccessful qualifying bets. Net loss offsets qualifying returns against qualifying stakes for the stated period. A deposit is a transfer into an account, so it is not automatically any of those three amounts.

A promotion can use a more specific formula, such as deposits minus withdrawals with adjustments for balances or bonuses. Use its published definition rather than substituting a familiar one. In particular, establish whether returns include the original stake, and whether open bets, bonus money or excluded markets are removed from the calculation.

Worked example: the same percentage, three different amounts

Consider an invented weekly statement with 1,000 units of qualifying cash stakes, 700 units of returns including returned stakes, and 600 units staked on losing bets. Assume all figures belong to the same completed period, with no bonus funds, fees or excluded bets.

The net loss is 1,000 − 700 = 300 units. At a hypothetical 10% rate, a net-loss reward would be 30 units, a losing-stake reward 60 units and a turnover reward 100 units. Only one formula would apply to a particular promotion. These are accounting examples, not offers or predictions of a player's result.

  • 10% of 300 net loss = 30.
  • 10% of 600 losing stakes = 60.
  • 10% of 1,000 turnover = 100.

The period and cap belong in the same calculation

For a separate fictional net-loss promotion, a loss of 200 units in one session followed by a gain of 150 in another leaves a period loss of 50. A 10% period-based reward is then 5, assuming both sessions qualify. Calculating cashback on the first session alone would use the wrong period.

A ceiling applies after the percentage calculation. With a hypothetical eligible loss of 800, a 10% rate and a 50-unit maximum, the credited reward is 50 rather than 80. Also distinguish a minimum qualifying loss from a minimum reward: those thresholds belong to different sides of the calculation.

Read weekly and monthly sports rewards separately

Read a weekly reward and a monthly reward as separate offers. Record whether each percentage applies to qualifying stakes, losses or an adjusted balance, then check its period and eligible markets. Odds thresholds and the treatment of cancelled, settled or cashed-out bets belong to that specific offer’s calculation.

Cashback credit and withdrawable cash can differ

Check what arrives in the account: cash, restricted bonus credit or a free-bet token. A rate applied to losses does not establish the treatment of the resulting reward. Record wagering, expiry, maximum bet and any ceiling on converted winnings separately.

Worked example: converting a cashback token into cash

For a fictional 20-unit free-bet token whose stake is excluded from the winning return, a winning settlement at decimal odds of 2.50 produces 20 × 2.50 − 20 = 30 units. At odds of 1.85, the same winning token produces 17 units. A losing selection produces zero cash credit. These calculations describe the assumed token rules and settlement outcomes.

Read the promotion’s treatment of a void selection too: does it return the token or count it as used? Keep that rule with the activation and use deadlines when comparing free-bet rewards.

Worked example: an adjusted sports cashback balance

For a fictional reward, assume that qualifying losses equal stakes minus winnings, credited bonuses, withdrawals and the current balance. An example statement with €800 of stakes, €400 of winnings, €20 in bonuses, €50 withdrawn and €100 in the balance leaves €230 under that formula: €800 − €400 − €20 − €50 − €100.

At an assumed 10% rate, the reward is €23. If the same fictional offer has a €20 minimum, a €500 maximum and 3× wagering on its credit, the amount falls within that range and its qualifying turnover is €69. Each assumption belongs to this calculation; use the actual offer’s formula and conditions for an account comparison.

Keep a compact record for each promotion

Use the same fields when comparing promotions, but fill them from each offer's own rules. A weekly casino reward and a monthly sportsbook reward can differ in almost every field even when they show the same percentage. Confirm eligibility before treating a displayed headline as available to a particular account.

  • Basis and period: what is counted, and when does the period close?
  • Eligible bets: product, odds, market types and settlement status.
  • Rate, qualifying threshold, minimum reward and maximum reward.
  • Credit: cash or bonus, wagering, expiry and winnings cap.
  • Account and payment eligibility, including any active-bonus condition.

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