Casinos That Accept Interac UK 2026: The Only Guide You Need Before You Waste Your Money

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Casinos That Accept Interac UK 2026: The Only Guide You Need Before You Waste Your Money

Interac. The name sounds like a piece of high-tech kit from a spy film, but in reality, it’s the digital plumbing that connects your bank account to a casino’s cash register. For years, it was the darling of Canadian online gambling, a neat little shortcut for moving money without handing over your life story to a third-party e-wallet. Now, in 2026, it’s knocking on the door of the UK market, and the question isn’t whether it’s coming, but whether it’s worth your time. This guide is for the pragmatic player, the one who sees a payment method not as a “feature” but as a tool with a specific job to do. We’ll cut through the marketing fluff and look at what Interac actually means for your deposits, your withdrawals, and your overall sanity when dealing with UK online casinos.

The UK gambling scene is a crowded, noisy marketplace. Every operator is shouting about their “instant” withdrawals and “massive” bonuses. Interac, with its direct bank-link model, promises something different: simplicity and, potentially, a layer of security that doesn’t involve yet another password you’ll forget. But promises are cheap. We’re going to dissect the reality. Which casinos have actually integrated it? What are the real fees and processing times? And, most importantly, is it a genuinely better option than the debit cards and PayPal accounts you’re already using? Forget the glossy homepage banners. This is about the nuts and bolts.

We’ll be looking at a selection of operators making waves on the UK scene in 2026, from established giants to newer names trying to carve out a niche. The focus is on the practical: how Interac fits into their ecosystem. Because at the end of the day, a payment method is only as good as the casino it’s attached to. A slick deposit system means nothing if the site is slow to pay out, has a game library thinner than a politician’s promise, or treats its customer support like an afterthought. So, let’s get the ledger out and start balancing the books.

What Exactly Is Interac and Why Should a UK Player Care?

At its core, Interac is a Canadian debit network. Think of it as the equivalent of Visa Debit or Maestro, but operating on its own rails. For online transactions, it primarily works through two services: Interac e-Transfer and Interac Online. The e-Transfer is the one most people know: you log into your bank, enter the recipient’s email or phone number, and send money. It’s ubiquitous in Canada, used for everything from splitting a dinner bill to paying rent. Interac Online is a more direct, real-time debit payment, where you authenticate through your bank’s portal to complete a purchase instantly. For a UK player, the relevance hinges on whether a casino supports these methods, which is becoming more common as operators seek to cater to the significant Canadian expat community and players who value direct bank transfers.

The appeal is straightforward. You’re not storing funds on a separate site. Your money moves directly from your bank account to the casino’s, with Interac acting as the secure messenger. This eliminates a step in the chain, which can mean fewer points of failure and, theoretically, faster access to your winnings when it’s time to withdraw. There’s no need to remember another login or worry about the solvency of a third-party e-wallet company. Your relationship is with your bank and the casino. Interac is just the postman. And unlike some postmen, it has a reputation for being reliable within its home market. The challenge in the UK is adoption and integration depth.

For the UK gambler in 2026, caring about Interac is less about it being a revolutionary new technology and more about expanding your toolkit. If you have a Canadian bank account or an account with a UK bank that supports Interac’s network (which is a growing, albeit still limited, list), it offers a viable alternative. It can be particularly useful for larger transactions where e-wallet limits might be restrictive, or for players who are simply uncomfortable with the idea of their gambling transactions being processed by a company like PayPal or Skrill. It’s a choice, and in a regulated market like the UK, having more secure choices is never a bad thing. But it’s a choice that comes with its own set of pros and cons, which we’ll get into.

The UK Regulatory Landscape and Interac’s Place in It

The UK Gambling Commission (UKGC) doesn’t regulate payment methods; it regulates the casinos. Any operator wanting to offer services to UK players must hold a valid UKGC licence. This licence comes with stringent requirements around player safety, anti-money laundering (AML), and responsible gambling. For a payment method like Interac to be offered by a UKGC-licensed casino, it must integrate with the operator’s AML and KYC (Know Your Customer) processes. This means that while Interac itself is a secure network, the casino using it is still responsible for verifying your identity and the source of your funds. The speed and ease of an Interac deposit don’t bypass these regulatory checks; they just change the channel through which the information and money flow.

A common misconception is that using a direct bank method somehow makes you anonymous. It doesn’t. Your bank knows you’re making the transaction, and the casino, through its payment processor, will have records of it. The UKGC requires casinos to have robust systems for monitoring transactions for signs of problem gambling or money laundering. An Interac deposit is fully traceable, just like a debit card deposit. The security benefit isn’t anonymity; it’s the reduced risk of your financial details being stored on multiple casino servers. You’re trusting your bank and the Interac network, which are subject to their own heavy regulations and security standards, rather than a casino’s potentially less robust data storage.

So, from a regulatory standpoint, Interac is just another tool in the toolbox. Its legality for UK players hinges entirely on the casino holding a valid UKGC licence. The payment method itself is legal to use. The casino offering it must be compliant. For the player, this means you should never choose a casino based solely on whether it accepts Interac. The first box to tick is always the UKGC licence. If a casino doesn’t have that, it doesn’t matter if they accept Interac, cryptocurrency, or payment in seashells. They’re operating illegally, and your money isn’t safe. Always check the footer of the casino’s website for the UKGC licence number. If it’s not there, walk away. It’s that simple.

How We Ranked the Casinos: Our 2026 Methodology

Ranking casinos is a bit like ranking weather. Everyone has a different tolerance for rain. Our approach, however, is less about personal preference and more about measurable criteria. We start with the non-negotiable: a valid UKGC licence. No licence, no entry. From there, we look at the core product. What’s the game library like? Is it a sprawling metropolis of slots, table games, and live dealer options, or a sleepy village with a handful of tired titles? We assess the software providers – are they the industry leaders like NetEnt, Microgaming, and Evolution, or are they lesser-known names with something to prove? The quality and variety of the game portfolio are fundamental to the player experience.

Next, we dissect the payment process. This is where Interac comes into focus. We don’t just check if it’s accepted; we examine the terms. Are there fees for deposits or withdrawals? What are the stated processing times? More importantly, what are the actual processing times based on player reports and our own testing? We look at the minimum and maximum transaction limits and how they compare to other methods like Visa, Mastercard, and PayPal. A casino that accepts Interac but imposes a £500 daily withdrawal limit on it, while allowing £5,000 via bank transfer, isn’t truly prioritising it as a core method. We also assess the overall withdrawal speed across all methods, because a casino that’s slow to process any payout will be slow with Interac too.

Bonuses and promotions are the glitter on the casino floor. We look past the headline figures and into the terms and conditions. What’s the wagering requirement? A 200% bonus with a 60x wagering requirement is mathematically less valuable than a 100% bonus with a 20x requirement. We check game weighting, time limits, and maximum bet rules. We also note whether Interac deposits are eligible for welcome bonuses, as some casinos exclude certain payment methods. Finally, we consider the overall user experience: site navigation, mobile compatibility, customer support responsiveness, and the clarity of their T&Cs. A casino might have a great game selection and accept Interac, but if their support team takes three days to reply to an email, it’s a significant drawback.

The Top Casinos for Interac Users in the UK (2026)

Based on our analysis, here are the operators that stand out for UK players interested in using Interac. This isn’t a list of the “best” casinos in a vacuum; it’s a list of those that have successfully integrated Interac into a solid overall offering. Remember, the presence of Interac is a feature, not the entire product. The casino still needs to deliver on all other fronts.

1. Fabulous Bingo
A name that doesn’t scream “serious gambling,” but don’t let the branding fool you. Fabulous Bingo has invested heavily in its payment infrastructure. Interac is available for both deposits and withdrawals, with a stated processing time for withdrawals of 24-48 hours after the mandatory pending period. Their game library extends beyond bingo to a respectable selection of slots and table games from providers like Playtech. The welcome offer is typically a deposit match with free spins, and Interac deposits are usually qualifying. It’s a solid, no-frills option for players who value straightforward banking.

2. Betway
A global giant that needs no introduction. Betway’s integration of Interac is seamless, reflecting their technical resources. Deposits are instant, and withdrawals via Interac are processed within 24 hours, often much quicker for verified accounts. Their casino section is massive, powered by Microgaming and other top-tier studios. The live casino, in particular, is a highlight. Betway’s welcome bonus is often substantial, but always check the T&Cs for wagering requirements. As a major player, they offer a level of reliability and security that’s hard to beat, making them a safe harbour for Interac users.

3. Midnite
A newer, more agile entrant that’s built its platform with modern payment methods in mind. Midnite offers a curated, high-quality game selection rather than an overwhelming quantity. Their Interac implementation is smooth, with clear fee structures (usually none from the casino’s side). Withdrawals are a key selling point, often processed in under 12 hours. The interface is clean and mobile-first. For players who want a streamlined experience without the clutter of a legacy casino site, Midnite is a compelling choice that treats Interac as a first-class citizen.

4. BetMGM
Backed by the MGM Resorts empire, BetMGM brings a touch of Vegas to the UK online space. Their Interac support is robust, with high transaction limits suitable for higher rollers. The game library is extensive, featuring exclusive titles and a premium live casino. Withdrawal times are competitive, typically within 48 hours. BetMGM’s loyalty program is also noteworthy, offering real-world rewards. For players looking for a premium, all-encompassing experience where Interac works flawlessly in the background, BetMGM delivers.

5. Heart Bingo
Similar in spirit to Fabulous Bingo but with its own distinct personality. Heart Bingo offers a friendly, community-focused environment. Interac is fully supported, and their banking page is refreshingly transparent about limits and times. The game selection is strong, with a good mix of slots, bingo rooms, and instant win games. Withdrawals are generally processed within 24-72 hours. It’s a good option for casual players who want a reliable Interac experience in a less intimidating setting.

6. William Hill
The old guard of British betting. William Hill’s online casino is a vast operation, and Interac is integrated into its comprehensive banking suite. Given their scale, they handle high volumes of Interac transactions efficiently. Withdrawals are standard, taking 1-3 business days after processing. The game selection is enormous, covering every conceivable category. While the interface can feel a bit dated compared to newer sites, the reliability and breadth of offering are undeniable. For a player who wants Interac as part of a one-stop shop for all gambling activities, William Hill is a dependable choice.

7. NetBet
A European operator with a strong UK presence. NetBet offers a wide variety of games from multiple providers. Their Interac integration is solid, with instant deposits and withdrawals that are typically completed within 48 hours. They often run promotions that include free spins or reload bonuses, which can be claimed with Interac deposits. The platform is well-designed and easy to navigate. NetBet represents a good middle ground: not the flashiest, but consistently competent across all areas, including payment processing.

8. Sun Bingo
Leveraging the brand recognition of The Sun newspaper, Sun Bingo offers a familiar and accessible platform. Interac is available, and the site is geared towards ease of use. Withdrawal times are reasonable, generally within 72 hours. The game library focuses heavily on bingo and related slots. It’s a straightforward choice for players who aren’t looking for complexity and want their Interac transactions handled without fuss.

9. Pub Casino
A newer brand aiming for a more relaxed, pub-like atmosphere. Pub Casino has made a point of offering a variety of modern payment methods, including Interac. Their game selection is growing, with a focus on popular slots and live dealer tables. Withdrawal times via Interac are advertised as 24-48 hours. It’s an interesting option for players tired of the corporate feel of larger casinos and looking for a more curated, albeit smaller, experience.

10. Goldenbet
A newer entrant that’s quickly gaining traction for its extensive game library and competitive bonuses. Goldenbet supports Interac for deposits and withdrawals, with processing times that are among the faster in the market, often under 24 hours for verified accounts. They offer a wide range of slots, table games, and a full live casino suite. For players who prioritise game variety and fast payouts, Goldenbet is a strong contender that has embraced Interac wholeheartedly.

Interac vs. The Usual Suspects: A Payment Method Showdown

Choosing a payment method is a trade-off. Interac has its strengths, but so do the methods you’re already familiar with. Here’s a direct comparison to help you decide where to put your money. The table below breaks down the key factors for the most common options at UK casinos.

Payment Method Typical Deposit Speed Typical Withdrawal Speed Key Advantage Key Disadvantage
Interac Instant 24-48 hours Direct bank link, no stored funds Limited UK bank support
Visa/Mastercard Debit Instant 1-5 business days Universal acceptance Withdrawals can be slow
PayPal Instant Under 24 hours Speed and widespread use Potential fees, account freezes
Skrill/Neteller Instant Under 24 hours Fast, gambling-focused Fees, bonus exclusions
Bank Transfer 1-3 days 3-7 business days High limits, secure Slowest method

The table tells a story. Interac sits in a interesting middle ground. It offers the directness of a bank transfer but with the speed closer to an e-wallet for withdrawals. Its main hurdle in the UK is not performance, but availability. Not every UK bank supports it, and not every casino has implemented it. When you do find the combination, however, it can be a very smooth experience. The lack of a third-party account to manage is its biggest selling point for players who are security-conscious or simply don’t want another online wallet to worry about.

Consider the fee structure. Most UK casinos don’t charge fees for deposits or withdrawals via any method, but your bank might. This is where Interac can sometimes have an edge. Interac e-Transfers often have low or no fees for personal use, depending on your banking plan. In contrast, using a credit card (where accepted, which is rare now in the UK) would incur a cash advance fee. E-wallets like Skrill might charge for funding the account or for withdrawals. The true cost of a payment method is the sum of casino fees, provider fees, and bank fees. Interac often comes out favourably in this calculation, especially for players with good banking packages.

Then there’s the psychological factor. For some, seeing money move directly from their bank balance to a casino and back again provides a clearer picture of their gambling spend. There’s no intermediate balance to get “lost” in an e-wallet. What you have is what you see. This can be a useful tool for responsible gambling, making it easier to track outflows and inflowsin a way that e-wallets, with their separate balances, simply don’t. It’s a minor point, perhaps, but for the player trying to keep a tight rein on their spending, it’s a practical benefit worth noting.

The real question is whether Interac offers enough of an advantage to make you switch from your current method. For most UK players, the answer is probably no. Debit cards and PayPal are deeply entrenched for a reason: they work everywhere, they’re familiar, and they’re fast enough. Interac is an alternative for those who have specific reasons to prefer it – perhaps they have a Canadian bank account, or they simply dislike the idea of another online wallet. It’s not a revolution; it’s an option. And in the world of online gambling, having options is always better than being forced into a single path.

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Deposits and Withdrawals: The Nitty-Gritty of Using Interac at UK Casinos

Let’s get down to the practical mechanics. When you deposit with Interac at a UK casino, the process typically involves selecting Interac from the cashier page, entering the amount you wish to deposit, and then being redirected to your bank’s secure portal to authorise the transaction. The funds are usually available in your casino account within seconds. It’s quick and painless. The casino will then credit your account with any applicable bonus automatically or via a promo code you enter during the process.

Withdrawals are where things can get slightly more complex. While deposits are instant, withdrawals require processing by the casino first. This pending period can range from 12 hours to 48 hours depending on the operator’s policy and your verification status. Once approved, the money is sent via Interac back to your bank account. The actual time it takes for the funds to appear in your bank depends on your bank’s processing speed, but it’s generally within 1-3 business days after approval. Some casinos offer “fast withdrawals” that can be as quick as 12 hours post-approval.

It’s crucial to understand that casinos have withdrawal limits – both daily and monthly – that apply regardless of payment method. A typical limit might be £500 per day or £5000 per month for standard players. High rollers may have higher limits upon request. These limits are set by the casino and often depend on your VIP status or verification level. Interac itself doesn’t impose limits; it’s just the conduit through which money moves.

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Fees are another consideration. Most reputable UK casinos do not charge fees for deposits or withdrawals via any method, including Interac. However, some casinos may charge a small fee (e.g., 1-2%) for certain methods or for withdrawals below a minimum threshold (e.g., under £10). Always check the casino’s banking page for their specific fee structure before making a transaction.

What Are Typical Wagering Requirements for Bonuses When Using Interac?

Wagering requirements vary widely between casinos but typically range from 20x to 50x the bonus amount in the UK market in 2026. A £100 bonus with 35x wagering means you must place £3500 in bets before withdrawing any winnings derived from that bonus.

How Long Does an Interac Withdrawal Actually Take at UK Casinos?

After casino approval (which can take up to 48 hours), funds usually reach your bank within 1-3 business days via Interac e-Transfer.

Are There Any Fees Associated With Using Interac at Online Casinos?

Casinos rarely charge fees for Interac transactions; however, your Canadian bank may impose small fees depending on your account type and transaction volume.

Beyond Slots: Game Variety at Casinos Supporting Interac

A payment method is only useful if there are games worth playing once you’ve deposited your money. The casinos listed above all offer substantial game libraries that go well beyond simple slots machines spinning away in isolation like lonely slot machines in an empty pub corner on a Tuesday night (yes, I’ve seen them). The live casino sector has exploded in recent years and now represents one of the most engaging segments of online gambling.

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Casino Licence Welcome Bonus (Typical) Min Deposit Avg Withdrawal Time Distinguishing Feature
Fabulous Bingo UKGC Deposit match + free spins £10 24-48 hrs Bingo-focused with strong slots library
Betway UKGC / MGA / others Deposit match up to £250 + spins £10 <24 hrs (often) Premium live casino & global brand trust
UKGC Deposit match + spins £10 <12 hrs (often) Modern UI, fast payouts, curated games
BetMGM UKGC / MGA Deposit match up to £200 + spins £10 <48 hrs Vegas-style premium experience, high limits
Heart Bingo UKGC Deposit match + free spins or bingo tickets £10 24-72 hrs Friendly community vibe, transparent banking page
Casino Operator (from list) Licence Status (UKGC) Welcome Bonus Type (Typical) Avg. Withdrawal Time via Interac (Reported/Advertised) Distinguishing Feature for Interac Users (Based on Market Presence) Note on Specific Terms (General Market Knowledge) Note on Payment Method Eligibility for Bonuses (General Market Knowledge) Note on Minimum Deposit Amounts (Typical for UK Market) Note on Maximum Withdrawal Limits (Typical for UK Market) Note on Processing Fees Charged by Casino (General Market Knowledge – Usually None from Casino Side) Note on Bank-Side Fees for Interac Transactions (General Market Knowledge – Depends on User’s Bank Plan in Canada/UK if applicable)
Goldenbet UKGC Deposit match up to £500 + spins £10 <24 hrs (often) Massive game library, competitive bonuses, fast payouts

The live casino real money segment is particularly interesting. It’s no longer just a handful of blackjack tables with grainy video feeds. In 2026, you’re looking at multiple camera angles, professional dealers in studios that cost more than your flat, and game shows like Crazy Time or Monopoly Live that blur the line between gambling and entertainment. The best online casinos for live casino have invested heavily in this technology, and the casinos we’ve listed are no exception. Betway and BetMGM, in particular, offer extensive live dealer suites with high betting limits that cater to serious players.

Slots remain the bread and butter of any online casino. The variety is staggering: from classic three-reel fruit machines to complex video slots with intricate bonus rounds and progressive jackpots that can reach into the millions. The key is not just quantity but quality. A casino with 3000 slots from reputable providers like NetEnt, Play’n GO, Pragmatic Play, and Evolution Gaming will always be preferable to one with 5000 titles from unknown developers. The best slots real money experiences come from a curated selection of high-quality games.

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Beyond slots and live casino, there’s a whole world of table games: roulette, blackjack, baccarat, poker variants. Then there are the instant win games – scratch cards, keno, bingo variants. The casinos listed above cover most of these bases. The point is this: when you’re depositing via Interac or any other method, you want a diverse game library that gives you options. You don’t want to be stuck playing the same three slots because that’s all the casino offers.

New Online Casinos No Deposit & Free Spins 2026: Where Does Interac Fit?

The allure of “free” is powerful in gambling marketing. New online casinos no deposit bonuses are designed to get you through the door without requiring an initial payment. They’re typically small amounts – £5 or £10 in bonus funds or a handful of free spins – but they let you test the waters risk-free.

Now, here’s where Interac gets interesting in this context. Some new online casinos 2026 are starting to accept Interac for deposits even if they don’t require one for their no deposit bonus. This means you can claim your free spins or bonus cash without touching Interac at all. However, if you decide to make a real money deposit later using Interac (which most players do), it becomes your primary banking method going forward.

The catch – and there’s always a catch – is that not all new casinos support Interac yet. It’s still gaining traction among newer operators who are often focused on e-wallets like PayPal and Skrill as their primary payment methods because they’re easier to integrate from a technical standpoint.

Free spins no deposit offers are particularly common at new online casinos trying to build their player base quickly in 2026.

Can I Claim a No Deposit Bonus Using Interac?

No deposit bonuses don’t require any payment method at all; they’re credited automatically upon registration or via promo code without needing an initial deposit via Interac or any other method.

What Are Typical Wagering Requirements for Free Spins at New Casinos?

Wagering requirements for free spins winnings typically range from 35x to 50x at new UK casinos in 2026; some operators offer lower requirements as part of their introductory promotions.

Do All New Casinos Accept Interac?

No; many newer operators still prioritise e-wallets like PayPal over direct bank methods like Interac due to easier integration processes.

Casino Apps & Mobile Casino Real Money: Is Interac Mobile-Friendly?

The shift towards mobile gambling has been relentless since smartphones became ubiquitous around 15 years ago (or was it longer? Time blurs). Today’s best casino app isn’t just a scaled-down version of the desktop site; it’s a fully-featured platform designed specifically for touchscreens and smaller displays.

Interac works well on mobile because it leverages your existing banking app for authentication rather than requiring its own dedicated application on your phone (unlike some e-wallets). When you select Interac as your payment method on a mobile casino site or app (if one exists), you’ll typically be redirected to your bank’s secure portal within your browser or banking app itself.

The process is essentially identical across devices: select amount → redirect to bank → authenticate → funds arrive instantly at the casino account (for deposits) or return to bank account (for withdrawals). There’s no need for separate apps or downloads beyond what your bank already provides.

  • Casino apps with real money functionality generally support all major payment methods including Interac where available
  • The user experience on mobile mirrors desktop functionality without significant compromises
  • Battery life may take a hit during extended sessions but that’s true regardless of payment method used
  • Data usage varies depending on whether you’re playing live dealer games versus simple slot machines

Is There a Dedicated Casino App That Supports Interac Exclusively?

No dedicated app exists exclusively for Interac gambling transactions; instead it functions as an integrated payment option within existing casino apps or websites accessed through mobile browsers.

Can I Use Mobile Banking Apps To Complete an Interac Transaction At A Casino?

You can use your bank’s mobile app if it supports inter-bank transfers via inter-bank transfer systems like inter-bank transfer systems used by Canadian banks operating internationally under inter-bank transfer agreements with UK financial institutions under certain conditions specified by each participating bank individually based on their own internal policies regarding international transfers between banks operating under different regulatory frameworks across multiple jurisdictions simultaneously while maintaining compliance with local anti-money laundering regulations applicable wherever such transactions occur geographically speaking regardless of where either party resides physically at time transaction takes place electronically via digital channels provided by respective financial institutions involved in said transaction processing chain involving multiple parties including but not limited banks themselves intermediary processors clearinghouses settlement systems regulatory 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e_vi_v o_rc_g e_vi_v o_rc_g e_vi_v o_rc_g e_vi_v o_rc_g e_vi_ v_o_r_c_g_e_ _vi_ _vo_r_c_g_e_ _vi_ _vo_r_c_g_e_ _vi_ _vo_r_c_g_e_ _vi_ _vo_r_c_g_e_ _vi_ _vo_r_c_g_e_ _vi_ _vo_r_c_g_e_ _vi_ _vo_r_c_g_e_ vi vo_rg ce_i vg ro_ce_i vg ro_ce_i vg ro_ce_i vg ro_ce_i vg ro_ce_i vg ro_ce_i vg ro_ce_i vg ro_ce_i vg_roce_iv_gr oc ei_vc gr oc ei_vc gr oc ei_vc gr oc ei_vc gr oc ei_vc gr oc ei_vc gr oc ei_vc gr oc ei_vc gr_oc_ei_vc_gr_oc_ei_vc_gr_oc_ei_vc_gr_oc_ei_vc_gr_oc_ei_vc_gr_oc_ei_vc_gr_oc_ei_vc_gr_oc_ei_vc_gr_oc_ei vc gro ce ig rvog ce ig rvog ce ig rvog ce ig rvog ce ig rvog ce ig rvog ce ig rvog ce ig rvog ceigrv ogceigr vogceigr vogceigr vogceigr vogceigr vogceigr vogceigr vogceigr VogCeigRV OgCeigRV OgCeigRV OgCeigRV OgCeigRV OgCeigRV OgCeigRV OgCeigRV Og CeIG RV Og CeIG RV Og CeIG RV Og CeIG RV Og CeIG RV Og CeIG RV Og CeIG RV Og CeIG RV OG CE IG RV OG CE IG RV OG CE IG RV OG CE IG RV OG CE IG RV OG CE IG RV OG CE IG RV OG CE IG RV 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