If you use a credit card it is classed as a cash withdrawal and you will charged a handling fee along with the appropriate interest charge - if you use a debit card you should have no charges. I use a William Hill account mainly and the horse-racing is Best Odds Guaranteed (BOG) which means that you are paid at the better odds if the price drifts. Even tho i love a bet (nice winner today:))and i have backed Westwood and Furyk in the Open) gambling is for mugs!!!