Cashback: the loss refund worth calculating first

Cashback promises to return part of what you lost. It is one of the easiest promotions to understand, and therefore one of the easiest to overrate. This page explains how weekly or daily cashback is calculated, the difference between a refund in cash and in bonus money, and what a so-called insurance bonus actually covers. We do not publish Solverde's or the partner operator's percentages.

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How loss cashback is calculated

Cashback applies a percentage to net losses over a period. A hypothetical 10 % weekly cashback:

Activity in the week	Hypothetical value
Deposits	€200
Withdrawals	€0
Balance at week's end	€40
Net losses	€160
Cashback (10 %)	€16

Notice what cashback does not do: it does not turn a losing week into a neutral one. You lost €160 and get €16 back. It is a discount on the loss, not protection from it.

Real money or bonus money

This is the question that decides cashback's value. Credited as real money, you can withdraw it straight away. Credited as bonus money, it carries wagering, and the €16 in the example might need several hundred euros in bets before it can leave. Two offers with the same percentage can have very different values because of this one detail.

Insurance bonus and other variants

Insurance bonus: returns part of a losing bet or session, often only on the first day or on one game.
Daily cashback: calculated day by day; smaller, more frequent amounts.
VIP cashback: percentages that rise with your tier in a loyalty program.

Cashback and staying in control

Cashback has a well-known psychological effect: it softens losses and makes it easier to keep going. Anyone trying to win back losses should see cashback as a warning sign, not a safety net. Deposit limits protect far more than any refund. If you notice you are playing "to get it back", our responsible gambling page lists free support.

Cashback and licences

A refund promotion tells you nothing about the site's regulator. On a site not in your regulator's register, the net-loss formula is whatever the operator writes and can change with no one in your market to complain to.

Frequently asked questions

Is cashback withdrawable money?

It depends on the operator. Some cashback offers credit real money with no wagering; others credit bonus money with a wagering requirement. The terms say which.

How are net losses calculated?

Typically: deposits in the period, minus withdrawals, minus the remaining balance — or total wagered minus total won. Bonus funds are usually excluded. The exact formula is in the terms.

Daily or weekly cashback: which is better?

Daily cashback returns sooner but in smaller amounts; weekly cashback lets good days offset bad ones. Neither should be a reason to play more.