Surplus Chips are your reserved assets. 

When you have insufficient funds at a table, this results in your table grade being lowered. 

Surplus Chips are your own personal insurance to protect your table grade.

• Surplus Chips will help your Table Level stay in the safe range.
• When you have an excessive amount of chips, the surplus amount will be transferred to the Surplus Chips Account.
• Surplus Chips will be used automatically whenever your main chips levels are too low. 
• Even when you don't have any main chips, with your Surplus Chips, you'll be able to play on similar level tables and re-gain your usual table level again in no time.