Top Casinos That Accept Direct Banking 2026: Where Your Bank Transfer Actually Goes Through

Direct banking sits in an odd corner of the online casino world. Not glamorous, not instant, not the method anyone brags about at the pub — but it works, and in 2026 it works better than most players realise. The top casinos that accept direct banking are not always the ones with the loudest advertising budgets. They are the ones that have quietly built payment rails into their platforms that treat your bank account with a modicum of respect. This guide ranks the operators on the UK market that handle direct bank transfers properly, breaks down what “properly” actually means, and tells you the parts of the process that the marketing departments would rather you did not think about too hard.

Direct banking as a casino payment method covers a few different technologies: standard bank transfers, open banking integrations, instant payment rails like Faster Payments, and bank transfer services that sit between your account and the casino’s. What unites them is that money moves from your bank account to the operator without a card number, an e-wallet, or a third-party wallet in the middle. For UK players in 2026, that distinction matters more than it used to, because the regulatory environment has tightened around how gambling deposits are funded, and bank transfers are one of the few methods that regulators have not spent the last three years trying to strangle.

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Before anything else, a word on what this page is and is not. It is a ranked guide to ten operators on the UK market, with an honest look at how each one handles direct banking, how fast withdrawals actually land, and what the typical deposit and bonus terms look like. It is not a guarantee that any specific operator will treat you well, because that depends on your account, your verification status, and whether you have annoyed their compliance team. And no, none of these casinos are charities. More on that later.

What Direct Banking Means at an Online Casino in 2026

Direct banking at an online casino means your money travels from your bank account to the operator’s account through banking infrastructure rather than through a card network or an e-wallet. In practice, UK players encounter four variants. Standard bank transfer (also called wire transfer) is the slowest: you send money from your bank to the casino’s nominated account, usually with a reference number, and it arrives whenever the banking system feels like processing it — typically one to three working days for domestic transfers, longer for anything crossing borders. Faster Payments, the UK’s real-time domestic transfer rail, has been available to gambling operators for years now, and when a casino supports it, deposits can land in seconds rather than days.

Open banking is the newer layer. Through open banking, a casino can pull funds directly from your bank account after you authenticate with your own bank’s app or online banking — no card details stored, no third-party wallet, and in theory a cleaner audit trail. Services like Trustly, which operates in the UK through its open banking rails, and similar providers act as the middleware: you pick your bank, confirm the amount, and the transfer happens through your bank’s own security. And then there is the plain bank transfer, the one where you log into your banking app, enter the casino’s account details and a reference, and hope you typed the reference correctly. It is not glamorous. It is also the method that gives you the most direct control over your own money, because nothing sits in an intermediary account waiting to be swept somewhere.

Why any of this matters in 2026 comes down to two things. First, the UK Gambling Commission has spent years restricting how gambling deposits can be funded — credit cards have been banned since April 2020, and the ongoing debate around financial risk checks means that payment methods tied to credit facilities are under more scrutiny than ever. Direct banking, funded from a current account, is the method least likely to trip those wires. Second, the speed gap between “bank transfer” and “instant payment” has narrowed dramatically. What used to be a three-day wait is now often a matter of seconds, and the operators that have integrated Faster Payments and open banking properly are the ones worth your attention. The ones that have not are still asking you to wait three days for a deposit to clear, which in 2026 feels less like tradition and more like neglect.

How We Ranked the Top Casinos That Accept Direct Banking

Ranking operators by how they handle direct banking is not the same as ranking them by how much they shout about it. Plenty of casinos list “bank transfer” in their payments page and then make you jump through hoops to actually use it — minimum deposits of £20 or more, three-day processing windows, withdrawal limits that treat you like a suspect. Our methodology for this list weighs four factors, each of which has a direct impact on whether direct banking is a usable payment method or a line item on a page nobody reads.

The first factor is speed of deposit. A casino that supports Faster Payments or open banking and processes deposits in under a minute scores well; one that still routes everything through a manual review scores poorly, regardless of what its website claims. The second factor is speed of withdrawal. This is where most direct banking experiences fall apart, because while deposits can be instant, withdrawals often involve a pending period, a manual review, and then the transfer itself — and the total can stretch from a few hours to several working days. We look at what operators say about their own processing times and what the typical experience looks like for a verified account.

The third factor is the friction around the method: minimum deposit amounts, whether the casino charges for bank transfers (some still do, which is frankly rude in 2026), and whether the withdrawal limits are reasonable for someone who is not depositing four figures a week. The fourth factor is the overall quality of the operator — because a casino that processes your bank transfer in ninety seconds but has a game selection from 2019 and customer support that answers in three business days is not a good casino, it is just a fast one. Each of the ten operators below has been assessed against these criteria, with the understanding that specific terms change and that what follows describes the typical profile of each operator rather than a contractual promise.

The Top 10: Ranked Operators on the UK Market

Here is the list. It is ranked, it is opinionated, and it is based on how each operator handles direct banking specifically — not on who has the flashiest welcome bonus or the most celebrity endorsements. The operators are presented in order of how well their direct banking experience holds up under scrutiny, from the one we would trust with a bank transfer today to the one that is perfectly fine but not exceptional.

1. MrQ

MrQ has built its reputation on doing things differently, and its approach to payments is no exception. The operator supports direct banking through modern rails, and its withdrawal processing is among the faster on the market for a UK-facing platform. What sets MrQ apart is the transparency: the operator publishes its processing times clearly, and the typical experience for a verified account aligns with what is advertised rather than being a best-case scenario that nobody actually achieves. Deposits through Faster Payments land quickly, and withdrawals, once the initial verification is complete, move through the system without the multi-day limbo that plagues slower operators.

The welcome offer at MrQ tends to be structured around free spins rather than a large deposit match, which suits the direct banking user who wants to test the waters without committing a large sum. Typical terms involve a modest deposit requirement to trigger the spins, with wagering requirements that are on the lower end for the UK market — though “lower end” is a relative term, and even the most reasonable wagering requirement is still a house edge wearing a party hat. MrQ’s game library is solid, its mobile experience is clean, and its customer support actually responds, which sounds like a low bar until you have dealt with an operator whose support team communicates exclusively through automated responses and prayers.

2. Double Bubble Bingo

Double Bubble Bingo sits in the same stable as MrQ, and it inherits some of the same strengths in payment processing. Direct banking is supported, Faster Payments integration means deposits do not require a three-day wait, and the withdrawal process, once verified, is straightforward. The platform is more bingo-focused than MrQ, which means the casino side is present but not the main event — if you are here for slots and table games, the selection is adequate rather than extensive, but the payment experience is consistent with what you would expect from an operator that takes its banking infrastructure seriously.

The bonus structure at Double Bubble Bingo typically involves a deposit match with free spins attached, and the wagering requirements are in the standard range for UK-licensed operators. The minimum deposit is accessible, which matters for direct banking users who may be making their first transfer and want to keep the initial outlay small. Where Double Bubble Bingo earns its place near the top of this list is in the consistency of the experience: deposits arrive, withdrawals process, and the platform does not create unnecessary friction between you and your own money. That sounds basic. You would be surprised how many operators fail at it.

3. Unibet

Unibet is one of the larger names on this list, and its direct banking support reflects the scale of the operation. The operator supports bank transfers and Faster Payments, and its payment processing is reliable — not always the fastest, but consistent, which for a direct banking user is arguably more important than speed. Unibet’s withdrawal process involves a standard pending period, after which the transfer is initiated; for Faster Payments-enabled withdrawals, funds can land within hours, while standard bank transfers may take one to three working days depending on your bank.

Unibet’s welcome offer is typically a deposit match, sometimes with free spins attached, and the wagering requirements are in the standard band for the UK market. The operator’s game selection is broad — slots from major providers, a live casino section, and sports betting alongside the casino product — which means the direct banking user who wants variety has it. The minimum deposit is reasonable, and the operator does not charge for standard bank transfers, though it is worth checking the current terms before making a transfer, because payment terms have a way of changing without fanfare.

4. Ladbrokes

Ladbrokes is one of the most recognisable names in UK gambling, and its direct banking support is solid if unremarkable. The operator supports Faster Payments for deposits, and withdrawals to bank accounts are processed through the standard rails — once your account is verified and the pending period has elapsed. Ladbrokes’ payment infrastructure benefits from the scale of the Entain group, which means the technical side is reliable even if the user experience is not the most modern on this list.

The welcome offer at Ladbrokes tends to be a deposit match, and the wagering requirements are in line with the industry standard for UK-licensed operators. The game selection is extensive, covering slots, table games, live casino, and the full sports betting product, which means the direct banking user who wants everything in one place has it. The minimum deposit is accessible, and the operator does not impose unusual restrictions on bank transfer deposits. Where Ladbrokes falls slightly short of the top of this list is in the speed of the overall withdrawal experience — the pending period and processing times are standard rather than fast, and for a direct banking user who values getting their money back quickly, that matters.

5. 32Red

32Red has been around long enough to have earned a reputation, and its direct banking support is consistent with that. The operator supports Faster Payments and standard bank transfers, and its withdrawal processing is reliable — the typical experience for a verified account involves a pending period of up to 24 hours, after which the transfer is initiated and funds arrive within one to three working days for standard bank transfers, or faster for Faster Payments-enabled withdrawals. The operator’s payment terms are clearly published, which is more than can be said for some of the competition.

The welcome offer at 32Red typically involves a deposit match, and the wagering requirements are in the standard range. The game selection is strong, with a particular emphasis on slots and table games, and the live casino section is well-populated. The minimum deposit is accessible, and the operator does not charge for standard bank transfers. 32Red’s position in the middle of this list reflects the fact that its direct banking experience is good but not exceptional — it does everything right, but it does not do anything that would make it the first choice for a direct banking user who is choosing purely on payment method performance.

6. Sky Bet

Sky Bet’s direct banking support is functional, and for a large proportion of its user base, that is sufficient. The operator supports Faster Payments for deposits, and withdrawals to bank accounts are processed through the standard rails. Sky Bet’s payment infrastructure is reliable, and the typical experience for a verified account involves a pending period followed by the transfer — the total time from withdrawal request to funds landing is in the standard range for the UK market.

The welcome offer at Sky Bet tends to be structured around the sports betting product, with the casino bonus available as an alternative or addition. Wagering requirements are in the standard band, and the minimum deposit is accessible. The game selection covers slots, table games, and live casino, though the emphasis is clearly on the sports product. For the direct banking user who wants a casino experience alongside their sports betting, Sky Bet delivers — but the payment experience is not the reason to choose it over the operators higher on this list.

7. Heart Bingo

Heart Bingo is another bingo-first platform with a casino product attached, and its direct banking support is consistent with that positioning. The operator supports Faster Payments, and deposits through bank transfer rails arrive quickly. Withdrawals are processed through the standard pipeline — pending period, verification check, transfer — and the typical experience for a verified account is in the standard range for the UK market. Heart Bingo does not charge for standard bank transfers, and the minimum deposit is accessible.

The welcome offer at Heart Bingo typically involves a deposit match with free spins, and the wagering requirements are in the standard band. The game selection is bingo-heavy, with a solid slots section and a smaller table games offering. For the direct banking user who values a consistent, no-fuss payment experience over a vast game library, Heart Bingo delivers. It is not going to impress anyone with its casino depth, but it will not frustrate anyone with its banking either.

8. Coral

Coral, like Ladbrokes, sits within the Entain group, and its direct banking support reflects that shared infrastructure. Faster Payments is supported for deposits, and withdrawals to bank accounts are processed through the standard rails. The typical experience for a verified account involves a pending period of up to 24 hours, followed by the transfer — and for Faster Payments-enabled withdrawals, funds can arrive within hours rather than days. The operator’s payment terms are clearly published, and standard bank transfers are not charged for.

The welcome offer at Coral tends to be a deposit match, sometimes with free spins attached, and the wagering requirements are in the standard range. The game selection is extensive, covering slots, table games, live casino, and the full sports betting product. The minimum deposit is accessible, and the operator does not impose unusual restrictions on bank transfer deposits. Coral’s position in the lower half of this list reflects the fact that its direct banking experience, while reliable, does not stand out — it is a solid, middle-of-the-road option that will not let you down but will not excite you either.

9. bwin

bwin’s direct banking support is functional, and the operator supports Faster Payments for deposits. Withdrawals to bank accounts are processed through the standard pipeline, and the typical experience for a verified account involves a pending period followed by the transfer. The operator does not charge for standard bank transfers, and the minimum deposit is accessible. Where bwin falls short of the operators higher on this list is in the overall polish of the payment experience — the interface is functional rather than intuitive, and the withdrawal process, while reliable, involves more steps than it needs to.

The welcome offer at bwin typically involves a deposit match, and the wagering requirements are in the standard band. The game selection is broad, with a strong emphasis on sports betting alongside the casino product. For the direct banking user who wants a reliable payment method without paying for it in extra steps and friction, bwin delivers — but the experience is not as smooth as the operators above it on this list.

10. LiveScore Bet

LiveScore Bet is the newest name on this list, and its direct banking support reflects both the strengths and the growing pains of a newer operator. Faster Payments is supported for deposits, and withdrawals are processed through the standard rails — but the overall payment experience is less mature than the operators above it. The typical experience for a verified account involves a pending period followed by the transfer, and while the operator does not charge for standard bank transfers, the withdrawal processing times can be less consistent than the more established names on this list.

The welcome offer at LiveScore Bet tends to be a deposit match, and the wagering requirements are in the standard band. The game selection is growing, with a solid slots section and a developing live casino offering. For the direct banking user who is willing to accept a slightly less polished payment experience in exchange for a newer platform with its own strengths, LiveScore Bet is a reasonable choice — but it is not the first operator we would recommend for someone who prioritises the direct banking experience above all else.

Comparison Table: Direct Banking Terms at a Glance

The table below summarises the typical direct banking profile for each operator on this list. These are typical terms for this category of operator rather than contractual promises — specific conditions change, and the current terms on each operator’s website are the only ones that count. Use this as a starting point for your own research, not as a substitute for reading the small print.

Legality and Licensing: Direct Banking in the UK Context

Direct banking is legal in the UK, and it is one of the few payment methods that the Gambling Commission has not spent the last decade trying to restrict. Credit cards have been banned for gambling deposits since April 2020, and the ongoing work around financial risk checks means that payment methods tied to credit facilities — certain debit card transactions, buy-now-pay-later schemes, anything that smells of borrowed money — are under increasing regulatory pressure. Bank transfers, funded from a current account with money you actually have, are the method the regulator is least worried about. That is not an endorsement; it is an observation about where the regulatory attention has been focused.

The UK Gambling Commission licenses and regulates all operators that offer gambling services to consumers in Great Britain. A licence from the Commission means the operator has met requirements around player protection, anti-money laundering, responsible gambling, and the fairness of its games — it does not mean the Commission endorses the operator, approves its bonus terms, or guarantees that you will have a good experience. The distinction matters, because “licensed” is often used in casino marketing as if it were a badge of quality rather than a legal requirement. Every operator on this list operates in the UK market, and the licensing context for UK-facing operators is the Gambling Commission’s framework — but the specifics of each operator’s licence, including any conditions or restrictions, are matters of public record that you can check on the Commission’s own register.

For the direct banking user specifically, the licensing context affects one practical thing: verification. UK-licensed operators are required to verify your identity before you can deposit or withdraw, and this process — Know Your Customer, or KYC — is where many bank transfer experiences go wrong. You will be asked for proof of identity, proof of address, and sometimes proof of the source of your funds. This is not optional, it is not a formality, and it is not something you can skip by using a different payment method. Every operator on this list will require it, and the speed of your first withdrawal depends largely on how quickly you complete it.

What Games Can You Play with Direct Banking Deposits

Direct banking deposits give you access to the full range of games at any casino that accepts them — there is no restriction on what you can play based on how you funded your account. Slots, table games, live casino, bingo, scratch cards, whatever the operator offers, your bank transfer deposit unlocks all of it. The question is not what you can play, but what is worth playing, and that depends on the operator’s library rather than your payment method.

Slots remain the dominant product at every casino on this list, and the direct banking user has access to the same libraries as everyone else — from the major providers like NetEnt, Pragmatic Play, and Play’n GO to the smaller studios that supply the niche titles. The RTP (return to player) percentages are published for UK-licensed operators, which means you can check what a game is supposed to return before you play it, even if the actual return over a session will vary wildly from that figure. Live casino — blackjack, roulette, baccarat, game shows — is available at most of the operators on this list, and the live tables do not care whether your deposit came from a bank transfer or a card. Bingo is the main event at Double Bubble Bingo and Heart Bingo, and the casino products at those operators are secondary to the bingo rooms.

The practical point for the direct banking user is this: your payment method does not determine what you can play, but it does affect how quickly you can get back to playing after a withdrawal. A casino with instant Faster Payments withdrawals means you can cash out, think better of it, and be back at the tables in minutes. A casino with a three-day bank transfer withdrawal means you have three days to reflect on your decisions, which is either a feature or a punishment depending on your perspective.

Deposits, Withdrawals, and the Speed of Direct Banking

Deposits through direct banking are fast when the operator has integrated Faster Payments or open banking properly. The typical experience at the operators on this list: you select bank transfer or open banking as your deposit method, choose your bank, authenticate through your banking app or online banking, confirm the amount, and the funds arrive in your casino account within seconds to a few minutes. Standard bank transfers, without Faster Payments integration, take one to three working days — and if an operator in 2026 is still making you wait that long for a deposit, it is a choice, not a technical limitation.

Withdrawals are where the experience diverges. The typical pipeline at a UK-licensed operator: you request a withdrawal, the operator runs a pending period (usually up to 24 hours, sometimes longer for larger amounts), the withdrawal is processed and the transfer is initiated, and then the banking system does its thing. For Faster Payments-enabled withdrawals, funds can arrive within hours. For standard bank transfers, one to three working days is typical. The total time from withdrawal request to funds in your account is therefore: pending period + processing time + banking time — and the operator controls only the first two. The third depends on your bank, which is why the same withdrawal can take four hours at one bank and two days at another.

The table below summarises the typical terms for direct banking across different bonus types and payment scenarios. These are typical figures for UK-licensed operators in 2026, not specific promises from any individual casino — always check the current terms before committing.

How to Choose a Casino for Direct Banking

Choosing a casino for direct banking is not complicated, but it does require looking past the welcome bonus and at the payment infrastructure. The first thing to check is whether the operator supports Faster Payments or open banking for deposits — if the payments page says “bank transfer” without specifying the rail, assume it is the slow kind and look elsewhere. The second thing to check is the withdrawal terms: what is the pending period, what are the withdrawal limits, and does the operator charge for bank transfers. A casino that charges you £5 to withdraw your own money via bank transfer in 2026 is telling you something about its priorities.

The third thing to check is the verification process. Every UK-licensed operator will require KYC, but the speed and ease of that process varies. Some operators verify documents within hours; others take days. Some accept a clear photo of your passport and a utility bill; others want a selfie holding your passport like a hostage. The faster the verification, the faster your first withdrawal, and the first withdrawal is where the direct banking experience is truly tested. The fourth thing to check is the overall quality of the operator — because a casino that processes your bank transfer in ninety seconds but has a game library from 2019 and customer support that answers in three business days is not a good casino, it is just a fast one.

And the fifth thing — the one that nobody puts on their comparison table — is what happens when something goes wrong. A bank transfer that does not arrive, a withdrawal that is stuck in “processing,” a deposit that was debited from your account but never credited to your casino balance. These things happen, and when they do, the quality of the operator’s customer support determines whether you get your money back in hours or spend two weeks sending emails into the void. There is no way to test this in advance, which is why reputation matters — and why the operators on this list have been chosen partly on the basis of how they handle problems, not just how they handle the happy path.

New Online Casinos and Direct Banking in 2026

New casinos entering the UK market in 2026 face a choice: build their payment infrastructure on modern rails from day one, or inherit the legacy systems of whatever white-label platform they are running on. The operators that choose the former — Faster Payments, open banking, instant withdrawals as standard — are the ones that can compete with the established names on payment experience. The ones that choose the latter are asking their players to wait three days for a bank transfer deposit in 2026, which is a bold strategy.

The advantage of a new casino, from the direct banking user’s perspective, is that newer platforms are more likely to have integrated modern payment rails, because those rails are now the default rather than the exception. The disadvantage is that new operators have not been tested by time — their withdrawal processing may be fast in theory and slow in practice, their customer support may be responsive in the first month and absent in the sixth, and their terms may change as the operator learns what it can get away with. LiveScore Bet, the newest name on this list, illustrates both sides of this: modern payment infrastructure, but a less mature overall experience than the operators that have been around longer.

For the direct banking user who is considering a new casino, the practical advice is this: start with a small deposit, test the withdrawal process with a modest amount, and see how the operator handles the full cycle before committing significant funds. A casino that processes your £10 withdrawal quickly and without drama is more likely to handle a £500 withdrawal well than one that has never been tested at any scale. And if the casino’s terms say that withdrawals are processed “within 5–7 working days,” that is not a processing time, that is a hostage note.

Responsible Gambling and Direct Banking

Direct banking has one property that makes it both safer and more dangerous than other payment methods: it connects your casino account directly to your bank account, with no intermediary buffer. There is no e-wallet balance to deplete before you touch your actual money, no credit limit to overspend, no prepaid card that runs out. The money in your casino account came from your bank account, and the money going back is going to your bank account — which means the connection between your gambling and your finances is as direct as it gets.

That directness cuts both ways. On the one hand, bank transfers funded from a current account mean you are gambling with money you have, not money you have borrowed — and the Gambling Commission’s restrictions on credit-funded gambling exist precisely because borrowed money and gambling are a toxic combination. On the other hand, the absence of a buffer means that a losing streak at the casino is a losing streak in your bank account, visible in your balance, affecting your rent, your bills, your ability to buy groceries. There is no psychological distance between “the casino money” and “the real money,” because there is no such thing as casino money when your payment method is a bank transfer.

Every operator on this list is required to provide responsible gambling tools: deposit limits, loss limits, session time limits, self-exclusion through GamStop, and access to support organisations like GamCare and BeGambleAware. These tools are only useful if you use them, and the direct banking user is in a particularly good position to set deposit limits that actually bind — because a deposit limit on a bank transfer account is a limit on how much you can send from your bank, which is a limit on how much you can lose. Set the limit before you need it, not after. The casino will not set it for you, and the “VIP treatment” they offer you after a big deposit is not a reward — it is an incentive to keep going.

Direct Banking vs Other Payment Methods

Direct banking competes with debit cards, e-wallets like PayPal and Skrill, prepaid cards, and in some cases cryptocurrency (though not at UK-licensed operators, where crypto is not an accepted payment method for gambling). Debit cards are the most common deposit method at UK casinos, and they are fast — but they are also the method most likely to be affected by the Gambling Commission’s ongoing work on financial risk checks, because card transactions carry more data about spending patterns than a bank transfer does. E-wallets add a layer of separation between your bank account and the casino, which some players prefer for budgeting purposes — but they also add a layer of fees, and withdrawal times from casino to e-wallet to bank account are often longer than a direct bank transfer withdrawal.

The direct banking user’s case is straightforward: no intermediary fees, no third-party account to fund and manage, and a direct audit trail between your bank and the casino. The trade-off is that there is no separation — if you want to keep your gambling spending psychologically separate from your everyday finances, a bank transfer does not help you do that. And the verification requirements are the same regardless of payment method, so switching from bank transfer to e-wallet does not speed up your first withdrawal.

For most UK players in 2026, the choice comes down to speed and control. Direct banking through Faster Payments is as fast as any other method for deposits, and withdrawals to a bank account are often faster than withdrawals to an e-wallet (which then has to transfer to your bank). The control aspect is where direct banking wins: your money moves directly between your bank and the casino, with no intermediary holding it, no intermediary fees, and no intermediary’s terms and conditions to navigate. It is the least glamorous payment method on the list, and the one that gives you the most direct relationship with your own money.

Frequently Asked Questions

Are direct banking deposits instant at online casinos?

Faster Payments and open banking deposits are typically instant or near-instant — seconds to a few minutes — at operators that have integrated these rails properly. Standard bank transfers without Faster Payments take one to three working days. The difference in 2026 is that most UK-facing operators support Faster Payments, so the three-day wait is increasingly a sign that the operator has not updated its payment infrastructure rather than a limitation of the banking system.

How long do direct banking withdrawals take from online casinos?

The total time from withdrawal request to funds in your bank account is the sum of the operator’s pending period (typically up to 24 hours), their processing time, and the banking system’s transfer time. For Faster Payments-enabled withdrawals, the total is often within hours of the request. For standard bank transfers, one to three working days after processing is typical. Your own bank’s processing times are outside the operator’s control and can add to the total.

Do online casinos charge fees for direct banking deposits or withdrawals?

Most UK-facing operators do not charge for standard bank transfers or Faster Payments, but some still impose withdrawal fees or minimum withdrawal amounts that effectively act as fees. Check the operator’s payments page before making a transfer — a casino that charges for bank transfers in 2026 is either behind the times or

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