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My Statement / Questions
Twelve questions

The questions a statement raises, answered

The questions are the ones readers actually ask, and each answer is short enough to use. Every figure behind an answer is on the overview and the page named beside it.

Desk spec
questions
12
short answers
6
samples behind them
10
figure reuse
no new numbers
the lineOne transaction, with a date, a type, an amount and a running balance. The sample month holds 240 of them, and every one belongs to a category.
the running balanceThe balance after each line, in the statement's own order. It is not the balance you can withdraw, because a bonus credit sits inside it: 312.00 shown against 292.00 settled.
the pending lineA line that has been recorded but not settled. Of 500 lines in the sample, 43 were pending and 21 were reversed, against 436 settled.
Direct answer

A statement is the transaction history of an account, line by line, and the balance is the number at the top of the screen. They answer different questions and can differ by one line: on the samples 240 lines ended at a shown 312.00 against a settled 292.00, and 113 of 300 accounts had a statement that did not agree with the balance.

Six answers in short

What is a statement line? A date, a type, an amount and the running balance after it. Any three derive the fourth, which is what makes a line checkable.
How many categories are there? Six: stake, return, deposit, withdrawal, bonus credit and adjustment. Of 240 lines, 148 were stakes and 62 returns.
What does pending mean? Recorded and counted in the balance but not finished. Of 500 lines, 43 were pending and 21 reversed.
Why do the balance and the statement differ? One of four causes. Across 200 disagreements, 74 were a pending line and 58 a bonus line.
Is a bonus credit money? It is a line and it is not cash. A shown 312.00 held 292.00 of cash and 20.00 of bonus.
How do I reconcile a month? Four steps - running balance, states, cash, pairs - in about 15 minutes on 500 lines.

The twelve questions

The answers below repeat no new figure: every number in them is one of the ten samples, and the page that develops each one is named beside it.

the twelve answers, and the sample behind each 1 what a statement line is -> sample J (four fields, any three derive the fourth) 2 the six categories -> sample A (240 lines, 148 stakes, 62 returns) 3 how many lines a month holds -> sample A (240, of which 87.5% are stakes and returns) 4 what pending means -> sample D (43 pending, 21 reversed, 436 settled in 500) 5 how long pending lasts -> sample E (71 of 120 within a day, 16 beyond three) 6 why balance and statement differ -> sample B (113 of 300, 37.7%) 7 the four causes -> sample C (pending 74 / bonus 58 / other 41 / reversed 27) 8 whether a bonus is money -> sample H (292.00 cash against 312.00 shown) 9 what a reversal is -> sample D (21 reversed, each a pair) 10 what a statement proves -> sample I (100 of 100 settled by the line) 11 whether I can take a copy -> sample F (export 79, PDF 61, neither 21) 12 how long reconciliation takes -> sample J (four steps, 15 minutes, a 12.00 gap) every figure is from the ten samples; no answer introduces a new number.
Before you act on any answer here
  • Read the type and the state of a line before its amount.
  • Subtract any bonus from the shown balance to get the cash.
  • Take the export before a line is disputed, not after.

Read next

The lineWhat one statement line isThe categoriesThe six kinds of lineSix beliefsThe claims that do not survive the samplesEvery figureThe whole sample set in one place

The questions, in full

q01

What is one line of a gambling account statement?

A line is one transaction, and it carries four fields: the date, the type, the amount, and the running balance after it. Any three of the four derive the fourth, so a line can be checked against the lines either side of it. In a sample month of 240 lines that is 960 fields, of which the two computable ones are what make the statement auditable.

q02

What are the categories a statement line falls into?

Six: a stake, a return, a deposit, a withdrawal, a bonus credit and an adjustment. Of 240 sample lines in one month, 148 (61.7%) were stakes, 62 (25.8%) returns, 12 (5.0%) deposits, 9 (3.8%) withdrawals, 6 (2.5%) bonus credits and 3 (1.3%) adjustments. Stakes and returns together are 210 lines, or 87.5% of the month.

q03

Why does my statement show 148 stakes and only 62 returns?

Because a stake is taken whether or not the bet settles in your favour. On the samples 62 of the 148 stakes came back and 86 did not, so 58.1% of the stakes in the month produced no return line, which is what makes a stake-heavy month read as a loss.

q04

What does pending mean on a statement line?

A pending line is recorded and already counted in the balance, but it is not finished. Of 500 sample lines, 436 (87.2%) were settled, 43 (8.6%) pending and 21 (4.2%) reversed. Of 120 pending lines, 71 (59.2%) settled within a day, 33 (27.5%) within three days and 16 (13.3%) took longer.

q05

Why do my balance and my statement not agree?

They answer different questions and can both be correct. Across 300 sample accounts 187 (62.3%) agreed exactly and 113 (37.7%) did not. Of the 200 disagreements read, a pending line explained 74 (37.0%), a bonus line 58 (29.0%), a line from another product 41 (20.5%) and a reversed line 27 (13.5%).

q06

Is a bonus credit on my statement real money?

It is a real line and a real amount, and it is not cash until its conditions are met. On the samples a shown balance of 312.00 contained 292.00 of cash (93.6%) and 20.00 of bonus (6.4%), so the withdrawable balance was 292.00. A bonus line was the second-commonest cause of a disagreement, at 58 of 200.

q07

What is a reversal, and why can I not find the line?

A reversal is a line that was counted and then undone by a second line, so both stay on the statement and they cancel. Of 500 sample lines, 21 were reversed (4.2%) - 12 a stake, 6 a withdrawal and 3 a corrected bonus - and each appears as a pair, so 42 of the 500 lines are the two halves of 21 cancellations.

q08

How long does a pending line take to settle?

Usually less than a day. Of 120 sample pending lines, 71 (59.2%) settled within a day and 33 (27.5%) within three days, while 16 (13.3%) took longer. Against the whole statement, the lines still pending after three days are 16 in 500, or 3.2% of all lines.

q09

Can I download my statement, and for how long?

On the samples an export existed for 79 of 100 accounts (79.0%) and a PDF for 61 (61.0%), with neither available for 21 (21.0%). The retention window was 24 months for 46 accounts, 12 months for 33 and 6 months for 21, so a copy is a thing with a deadline rather than a permanent record.

q10

What does a statement prove if a line is disputed?

It proves that a movement happened and what category it belonged to, which is decisive about the movement. Of 100 sample disputed lines the statement settled 100 (100.0%) and a reader copy existed in 34 (34.0%), so in 66 cases the only record of the line was the operator's own statement.

q11

How do I reconcile a statement without re-adding the whole column?

In four steps. First check the running balance against the amounts either side of each line; second read the states of the last few lines; third subtract any bonus credit from the shown balance; fourth search both directions for a matching amount. On the samples that takes about 15 minutes on 500 lines and finds a 12.00 gap traced to one pending line.

q12

Is a bank statement and an account statement the same thing?

No. A bank statement records money crossing the edge of an account, which on the samples is 21 lines in 240 - the 12 deposits and 9 withdrawals, or 8.8%. An account statement also records the 210 internal lines, the stakes and returns, which never touch a bank and are 87.5% of the month.