Online casino with a 500% bonus: how it works

See how deposit stages and added free spins shape a 500% package, and why wagering and bonus terms affect its value.

How a 500% Bonus Is Built—and What Its Headline Value Leaves Out

A “500% bonus” sounds like a single deposit reward, but that description can hide the way the package is assembled. The percentage may refer to the combined value of several welcome stages rather than to one deposit match. To understand an online casino with a 500% bonus in 2026, separate the headline from the individual rewards that create it.

A deposit match is calculated against a qualifying deposit. If the advertised rate applies to one deposit, the bonus is linked to that transaction and is normally subject to a maximum bonus amount. A staged package works differently. The first qualifying deposit may unlock one match, while later deposits unlock further matches or other promotional items. The operator can then present the combined package as a much larger percentage.

For example, a specialist review describes packages in which the first deposit carries a 100% match up to £500, followed by later deposits with match rates between 50% and 75%, together with additional free-spin allocations. That is not the same as receiving 500% of one deposit. It is a sequence of separate rewards, each with its own qualifying action and conditions.

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The percentage is not the cash value

A percentage only describes the relationship between a reward and the qualifying deposit. It does not tell you how much you can actually receive until you know the deposit cap. A 500% casino deposit bonus may therefore be less valuable than a smaller-looking offer with a higher maximum reward, depending on the amount you intend to deposit and the stage at which the cap applies.

The headline also says nothing by itself about eligibility. Welcome offers are intended for new customers, and an operator may restrict the promotion to one account per household. The qualifying deposit, account status and selected deposit method can all affect whether the reward is issued. A large percentage shown on a landing page is not evidence that every customer, every account or every deposit qualifies.

The reward may also be divided between different forms of value. Part of the package can be bonus funds, while another part can be free spins or a later promotional allocation. Those components should not be added together as though they were identical cash. Bonus funds may be restricted to particular games or require play before withdrawal. Free spins may apply only to a specified slot, and their winnings can have separate conditions.

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This is why “500% slots bonus” and “500% match bonus” can describe different arrangements. The first phrase may draw attention to the games connected with the promotion; the second points to the deposit-match element. Neither label explains the amount credited, the games that count, or the conditions attached to the resulting balance.

A package can be large without being immediately usable

An offshore welcome package described in a specialist review is structured across several deposit stages and exceeds £5,000 in stated total value. That figure represents the advertised ceiling of the package, not an automatic payment to every new account. Reaching it depends on completing the required stages and making the deposits that activate them.

This distinction matters when an offer is described as the best 500% casino bonus in the UK. A package with a high theoretical total may require you to continue depositing after the first reward. If you stop after the opening stage, you receive only the value attached to that stage. The total headline cannot be treated as the value of the first deposit.

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The same issue applies to an online 500% welcome bonus presented as a single figure. Check whether the percentage is calculated from one qualifying deposit or from a series of deposits. Then identify which elements are included in the total: cash-style bonus funds, free spins, or later rewards. If the package combines different products, assess each element separately rather than treating the entire headline as one balance.

What determines the real value

A specialist review identifies several variables that change the practical value of a bonus: the reward itself, eligibility, the qualifying deposit, game contribution, expiry and withdrawal conditions. These variables describe the path from an advertised offer to money that can potentially be withdrawn.

Game contribution determines how much play on a particular game counts towards the relevant condition. Expiry determines how long the reward remains available. Withdrawal conditions determine whether a balance can be taken out at all and whether a restriction applies to part of the winnings. None of these details can be inferred from the 500% label.

A 500% bonus often refers to the combined value of several different deposit stages rather than a single match applied to one deposit.

The correct way to read the headline is therefore as a description of the package’s promotional structure, not as a promise that your deposit will increase fivefold in immediately withdrawable cash. First identify every stage and its separate reward. Only then can you compare a 500% casino welcome bonus with another offer on equal terms.

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How First-Deposit Matches and Later Deposit Stages Work

A first-deposit match and a multi-deposit welcome package are not the same arrangement. The first gives you a reward linked to one qualifying deposit. The second divides the advertised value between several deposits, so the headline figure cannot be treated as a single payment made after your first transaction.

The sequence begins with registration. You create an account, complete the operator’s required checks, and select the welcome offer if an opt-in step is shown. A specialist review describes the claim process as registration, opting in and then making the qualifying deposit. The order matters: depositing before joining the promotion can leave the transaction outside the offer, depending on the operator’s terms.

How the first deposit is matched

A deposit match adds bonus funds in relation to the amount you deposit. For instance, a first deposit might receive a 100% match capped at £500. If the qualifying deposit is eligible and does not exceed the stated cap, the bonus is calculated from that deposit rather than from your entire account balance.

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The cap is important. A 100% match does not mean that every deposit produces an unlimited equal reward. Once the stated maximum bonus has been reached, depositing more does not increase that particular reward. The operator’s terms determine which deposit counts, whether the offer must be selected before payment, and when the bonus is placed in the account.

This is also why a phrase such as “500% first-deposit bonus” needs careful reading. A very large percentage may describe a package whose stages are added together, rather than a 500% match applied to your first transaction. The first stage might be one rate, while later stages use different rates and attach different rewards.

How later stages are triggered

In a staged package, the first qualifying deposit activates only the first part. After that stage has been used or completed according to the promotion rules, a later deposit may unlock another match. A specialist review describes an arrangement in which the initial deposit carries a 100% match up to £500, followed by later deposits with match rates of 50% to 75% and additional free-spin allocations.

Those later deposits are separate qualifying events. You cannot assume that the whole advertised package appears in your balance after the first payment. Each stage has its own deposit trigger, and the applicable match is tied to the transaction that activates it. If you make only the first deposit, you access only the first stage that the rules attach to it.

The same distinction applies when free spins are included. Spins connected with a later deposit are not automatically part of the first-deposit match. They belong to the relevant stage and may be credited only after that stage has been activated. A package advertised around online slots may therefore contain both deposit matches and spin allocations, but those elements still need to be traced to their individual triggers.

A practical claim sequence

Use the offer in a controlled order:

1. Register for a new customer account.
2. Read the promotion’s qualification and opt-in instructions.
3. Opt in before making the deposit if the offer requires that action.
4. Make the deposit that the first stage recognises.
5. Check that the first match has appeared in the bonus section.
6. Treat any later stage as a separate offer with its own deposit trigger.
7. Make another qualifying deposit only if you intend to activate that later stage.

This process separates an eligible deposit from an ordinary account top-up. It also prevents a common mistake: assuming that any later deposit will automatically count towards the advertised package. The promotion may require you to opt in again, follow a particular sequence, or use the remaining stages in the order specified by the operator.

Why the headline percentage can mislead

A 500% slots deposit bonus may sound like one unusually large first-deposit reward. In practice, the percentage can represent several match rates combined across the customer’s deposits. One part may be attached to the initial payment, another to a later payment, and free spins may be allocated at one of those stages rather than at registration.

The amount you must deposit is therefore not the only question. You also need to identify which stage is active, what reward belongs to it, and whether the advertised total assumes that you complete every deposit in the package. If you stop after the first stage, the amount received will not equal the package headline.

This staged structure applies whether the promotion is described as a mobile casino welcome bonus, an online casino 500% offer, or a slots-focused deposit promotion. The device used to access the account does not turn separate stages into one reward. Read the offer as a sequence of transactions, and record which match or spin allocation is linked to each one.

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What a 500% Offer Means for UK Players

A 500% welcome bonus is not available to every person who sees the advertisement. Access depends first on the operator’s status, then on the customer’s eligibility under the offer rules. The headline percentage does not override either requirement.

For a casino serving customers in Great Britain, the key distinction is whether the operator holds a current licence from the UK Gambling Commission. Remote gambling operators selling into the British market must have the relevant licence, regardless of where the company itself is based. Online gambling is legal in the UK only through licensed and regulated sites, and a player must be aged 18 or over.

That makes the licence more than an administrative detail. It identifies the regulatory system under which the casino may offer real-money gambling to UK customers. Before registering for a 500% casino bonus in the UK, you should verify the operator’s licence number on the UK Gambling Commission’s public register. A logo or statement on the casino website is not a substitute for checking the register.

Who can claim the welcome offer?

The welcome offer is intended for new customers. An existing account holder cannot assume that opening another account creates a second entitlement. A specialist review identifies common restrictions of this kind as one welcome deal per household, with eligibility also affected by the deposit method used.

Verify the operator’s UK Gambling Commission licence on the public register before depositing. A large percentage or a bonus code is not proof of regulatory protection.

The household condition matters because a bonus may be linked not only to your name, but also to shared details such as an address, device, payment details or other account information. If another person at the same household has already claimed the promotion, the casino may refuse the later claim under its terms. You should therefore read the eligibility wording before depositing rather than relying on the size of the advertised bonus.

The deposit method can also affect access. Some welcome promotions exclude particular options, including certain e-wallets. This means that a deposit can be accepted by the account while still failing to qualify for the promotional reward. The important distinction is between a successful deposit and a qualifying deposit: they are not necessarily the same transaction.

A UK-licensed operator must verify your age before allowing you to deposit funds into a gambling account. It must also provide account-level financial-limit controls and prompt a new customer to set a financial limit before the first deposit. These checks form part of the account-opening process; they are not optional steps that can be bypassed to obtain a large welcome offer.

UK-licensed casino or offshore platform?

An offshore casino may advertise a large package to people in Britain while operating outside the UKGC system. Such an operator does not hold a UKGC licence. Its offer may therefore look more generous on the page, but the regulatory position is different from that of a casino licensed for the British market.

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An offshore operator is not covered by UKGC regulation, GAMSTOP, the UKGC complaints and dispute-resolution framework, or the UK requirements governing stake limits and bonus rules. If a dispute arises over account closure, promotional eligibility or a withdrawal, you do not have the same UK regulatory route that applies to a licensed operator. The casino’s own jurisdiction and terms may determine what process is available instead.

This distinction is especially important when you see wording such as “500% online casino bonus for UK players” or “500% casino bonus code UK”. The wording describes the intended audience, not proof that the operator is authorised to provide gambling services in Great Britain. A bonus code may activate an offer on the operator’s system, but it does not create a UKGC licence or add UK consumer protections.

The same applies to a casino app. An application downloaded to a British device does not change the operator’s regulatory status. The relevant question is who provides the gambling service and whether that operator holds the required UK Gambling Commission licence. The platform, app or website address is secondary to that licence check.

What the headline does not establish

Searching for the best 500% casino bonus offers in the UK can lead you to compare percentages before checking eligibility. That reverses the order in which the offer should be assessed. First establish whether the casino is legally licensed to serve you. Then confirm that you are a new customer, that your household has not already claimed the promotion, and that your chosen deposit method qualifies.

Only after those checks does the advertised percentage become relevant. A large figure cannot make an offshore operator equivalent to a UK-licensed casino, and it cannot guarantee that your account will qualify. The operator’s licence and the offer’s eligibility rules determine whether the promotion is available to you at all.

DO

• Check the operator’s licence on the UKGC register
• Verify if your specific deposit method is eligible
• Confirm if you are considered a new customer

DON’T

• Assume a high percentage guarantees immediate cash
• Rely on a logo as a substitute for a licence check
• Ignore household restrictions on bonus claims

Welcome Offers That Combine Slot Play and Free Spins

A welcome offer can connect two different benefits: bonus funds for slot play and free spins assigned to a specified slot. These benefits do not necessarily arrive at the same moment or follow the same rule. The deposit may activate the bonus funds first, while the spins are added only after another condition has been completed.

That distinction matters when you see a large headline such as a 500% welcome bonus. The percentage may describe the deposit match, while the free spins form a separate part of the promotion. A large match therefore does not automatically mean that you receive a large number of spins, or that the spins can be used immediately.

How the free-spin part is attached

The usual sequence is mechanical:

1. You register a new account.
2. You opt in to the welcome offer, if the promotion requires this.
3. You make the qualifying deposit.
4. The casino credits the deposit-related bonus.
5. You meet any stated qualifying condition for the spins.
6. The free spins appear in the account and can be used on the specified slot or slots.

A qualifying stake may be required before the free spins are credited. In that arrangement, making the deposit is not the final activation step. You must first place the required stake under the promotion’s rules. The spin allocation can therefore remain pending even though the deposit and the matched bonus are already visible.

Check whether the qualifying stake must be made with your own deposited funds, bonus funds, or a particular balance. Also check whether the casino identifies a specific slot for the spins. The free-spin value may be fixed by the promotion, while the eligible game, activation sequence and expiry are controlled by its terms.

The free spins themselves are not the same as cash added to your withdrawable balance. They provide spins on the named slot, and any resulting balance is handled according to the conditions attached to that offer. A promotion can also state separate rules for the spin winnings, so the phrase “free spins” does not by itself establish that the resulting money is ready for withdrawal.

Verified examples of combined welcome deals

A specialist review listed the following welcome offers:

• LuckyMate — a £10 bonus with 50 free spins.
• BetWright Casino — 100 free spins.
• Quickbet — 100 free spins.
• BetMGM Casino — 200 free spins.
• Casumo — a 50% deposit match up to £100.

These examples should be read as individual offer descriptions, not as a ranking and not as proof that every offer is a 500% package. They also do not establish that each promotion uses the same activation process. One may credit spins after the qualifying deposit; another may hold them until you complete the required stake.

The Casumo example illustrates why the deposit-match figure and the free-spin figure should be kept separate. It is a deposit match, not a statement that free spins are included. Conversely, a listing that gives a number of spins does not, without its full terms, tell you the size of any deposit match or whether a match exists at all.

What to inspect before using the spins

Read the offer rules before depositing, concentrating on the connection between the deposit, the bonus and the spins. Confirm:

• whether the offer is restricted to new customers;
• whether you must opt in or enter a promotional code;
• whether a qualifying stake is needed before the spins arrive;
• which slot accepts the spins;
• when the spins must be used;
• whether winnings from the spins have their own withdrawal conditions.

This check is particularly important when a promotion is described with a headline percentage. “500%” identifies only one part of an offer unless the terms expressly define the rest. The deposit requirement, spin allocation and conditions for the resulting winnings must be assessed as separate components.

A combined slot-and-spins welcome offer can be useful when you understand which balance each part creates and what event activates it. Treat the spins as a conditional feature of the promotion, rather than assuming that they are an immediate cash equivalent of the advertised deposit bonus.

How to Calculate the Wagering Attached to a Bonus

A wagering requirement is a condition attached to bonus funds. It tells you how much must be staked before the bonus balance can be released for withdrawal. The calculation is based on the bonus amount and the multiplier, not simply on the amount you deposited.

Use this formula:

Wagering calculation

Step 1: Identify the bonus amount

Determine the actual amount of bonus funds credited to your account (e.g., £20).

Step 2: Find the multiplier

Locate the wagering requirement multiplier in the terms and conditions (e.g., 10x).

Step 3: Calculate total stakes

Multiply the bonus amount by the wagering multiplier to find the required total stakes (£20 × 10 = £200).

bonus amount × wagering multiplier = required total stakes

For example, a £20 bonus with a 10x requirement needs £200 in total stakes:

£20 × 10 = £200

The £200 is the cumulative amount wagered, not a single bet and not a fee charged by the casino. Each qualifying stake adds to the progress total according to the contribution assigned to the game.

How a 500% bonus affects the calculation

A 500% deposit match describes how the bonus is formed from a qualifying deposit. It does not, by itself, tell you how much wagering is required. You must first establish the actual bonus amount credited to your account and then apply the multiplier in the terms.

For instance, if a promotion credits £20 in bonus funds, the calculation uses £20, regardless of the headline percentage used to advertise the deposit match. The relevant question is therefore not only how large the match appears, but also which balance the wagering rule covers and which games count towards clearing it.

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Under the Great Britain licensing regime, wagering requirements on bonus funds cannot exceed 10 times the bonus amount. The applicable terms still matter because an offer may impose other conditions around eligible games, expiry, withdrawals or the treatment of winnings.

Game contribution changes the progress

A qualifying stake does not necessarily move the wagering counter by its full value. The casino assigns each game a contribution rate.

Slots generally contribute 100% towards wagering. A £10 stake on an eligible slot would therefore add £10 to the required-stakes total. Live table games and blackjack may contribute less or nothing, so the same £10 stake might add only part of that amount—or make no progress at all—depending on the published rules.

Some terms apply separate contribution rates to table games and roulette, while live dealer games may be excluded. Read the game list and contribution table before assuming that ordinary play will clear the bonus. A game can accept bonus funds without contributing fully to the wagering target.

The account section provided by the casino can help you monitor the remaining bonus balance and wagering progress. Treat the displayed progress as the controlling figure, because it reflects the operator’s contribution rules rather than the face value of every bet.

Game contribution varies: slots typically contribute 100% toward wagering, while table games or blackjack may contribute significantly less or nothing at all.

The expiry period is part of the calculation

You must complete the required stakes before the bonus expires. A specialist review identifies periods from 7 to 30 days for wagering requirements, but the deadline for a particular offer is set by its own terms. The countdown may begin when the bonus is credited, when the deposit is made, or at another stated point.

This creates a time limit on the calculation: the required total must be reached through eligible stakes before that deadline. If the period ends first, the bonus funds may be removed and the remaining progress may no longer matter. Check when wagering starts, which games count, how contribution is applied and when the balance expires before treating a large bonus as usable money.

What Daily Free Spins Without a Deposit Can Actually Pay

Daily free spins are a recurring promotion, not the same as a deposit-linked welcome bonus. You may receive a new allocation after the promotion resets, without adding money to the account. A specialist review describes these resets as occurring every 24 hours, although the exact timing and eligibility remain controlled by the promotion’s terms.

The important distinction is what happens after the spin. A winning result is not necessarily placed in your cash balance. The same type of review reports that daily-spin winnings are generally recorded as bonus funds. You can see the amount in the bonus section of your account, but that does not mean it is ready for withdrawal.

The path from a free spin to withdrawable money normally has several separate stages:

1. The promotion credits the spins to an eligible account.
2. You use the spins before the promotion or spins expire.
3. Any resulting win is placed in the bonus balance.
4. You meet the stated wagering condition, if one applies.
5. The remaining eligible balance becomes available for a withdrawal request, subject to the promotion’s other rules.

The wagering condition can be substantial even though no deposit was needed. A specialist review places the reported range for daily-spin winnings at 20x to 65x of the bonus amount. The relevant amount is the value credited from the spins, not the number of spins themselves. For instance, a bonus balance of £10 would require total stakes of £200 at 20x or £650 at 65x before that condition was satisfied. Those figures describe stakes made during play; they do not mean that the casino has paid that amount into your account.

A maximum win cap can reduce the amount that remains eligible. According to the same type of review, daily-spin promotions may limit winnings to a figure between £20 and £100. If your balance exceeds the applicable cap, the excess may not qualify for withdrawal, even after the wagering condition has been completed.

The reset also does not keep unused value available indefinitely. The promotion may issue a fresh set of spins when the daily cycle begins, while each spin allocation or its winnings can have a separate expiry rule. Therefore, check whether the account must be used within the active period and whether the win must be wagered before it expires. A no-deposit offer removes the need for an initial qualifying payment; it does not, by itself, turn every spin result into cash.

When Bonus Winnings Become Real Money

A figure shown in a casino account is not automatically withdrawable cash. The important distinction is between the cash balance and the bonus balance.

Balance Types

Always distinguish between your cash balance, which is available for withdrawal, and your bonus balance, which is subject to wagering conditions.

A cash balance represents funds available for withdrawal under the casino’s account rules. A bonus balance represents promotional value that can be used for play, but remains subject to the conditions attached to the welcome bonus. If you receive a large package promoted as a 500% casino bonus in the UK, the headline amount does not by itself tell you that the whole sum can be withdrawn. Each part may have its own status and conditions.

The same distinction applies to winnings generated from bonus funds. A win may first be credited to the bonus balance rather than transferred to cash. Until the relevant playthrough condition has been completed, the displayed amount is promotional value, not money you can cash out. The account page may show the balance and progress separately, which helps you see whether the funds have changed status.

A wager-free offer works differently. A specialist review describes such offers as paying winnings as cash without a playthrough requirement. In practical terms, the winning amount is not kept behind a wagering stage created by the promotion. It can therefore be treated as cash rather than as bonus funds waiting to be cleared, subject to the offer’s stated rules.

Do not confuse “wager-free” with “unrestricted”. A promotion may still define who qualifies, how the reward is credited, or whether other conditions apply. The key test is the balance category assigned to the winnings and the rule governing withdrawal. If the amount remains under a bonus heading, it has not yet become ordinary cash, even if it is visible in your account and available for further play.

How a Casino Deposit Match Adds Value to Your Deposit

A deposit match increases the promotional balance linked to a qualifying deposit. The match rate tells you how much bonus credit is added relative to the amount you pay in. A 100% match on a £50 deposit adds £50 in bonus funds, giving you a promotional balance of £100 before any applicable terms affect its use. The bonus is not an additional cash deposit that you can withdraw immediately.

The percentage and the maximum are separate parts of the offer. A 100% match up to £500 means the casino matches your deposit in full until the bonus reaches £500. Depositing more than the amount needed to reach that ceiling does not create a larger matched bonus. The exact qualifying deposit and any playthrough conditions determine whether the added funds can later become withdrawable.

A specialist review describes some large international packages as a sequence in which the first deposit may receive a 100% match capped at £500, while later deposits may receive match rates of 50% to 75%. Those rates apply to their individual qualifying deposits; they are not a single 500% match applied to one payment. A headline such as “500% casino deposit match UK” can therefore describe the combined promotional value of several stages rather than the amount added to your first deposit.

To assess the deposit match, separate three figures:

• the percentage applied to each qualifying deposit;
• the maximum bonus allowed at that stage;
• the amount you must deposit to receive the full match.

For instance, a 50% match adds £25 to a £50 qualifying deposit, while a 100% match adds £50 to the same deposit. Comparing the percentages without checking their caps can make a smaller-looking offer more valuable than a headline package. A UK-licensed casino must also display the applicable terms before you commit funds, so check which deposit triggers the match and how the bonus balance is treated.

How to Check Whether Free Spins Really Have No Wagering

A “no wagering” or “wager-free spins” label can describe the free spins themselves without making the resulting winnings immediately withdrawable. The important distinction is between the promotional spins and the money generated by those spins. Before you opt in, open the offer terms and find the rule that applies specifically to spin winnings.

Check the following points:

• What is wager-free? Confirm that the phrase applies to the winnings from the free spins, not only to the spins being issued. A qualifying deposit or other activation step may still be part of the offer.
• Is playthrough required after the win? A specialist review indicates that free-spin winnings often carry a wagering requirement before withdrawal. The terms should state whether the winnings must be played through and which games count towards that condition.
• Is there a withdrawal ceiling? The same type of review notes that some free-spin promotions restrict the amount that can be withdrawn from the resulting winnings. A balance above that ceiling may not be paid out in full, even if no further wagering is required.
• Which balance is affected? Check whether the casino credits the result as cash or as bonus funds. A “wager-free” description is meaningful only if the credited balance can be withdrawn under the stated rules.
• What happens if conditions are not met? Look for clauses covering cancellation, forfeiture or removal of winnings when the promotion expires or its conditions are breached.

Do not infer the cash-out rules from a headline such as “500% free spins no wagering bonus UK”. Read the definitions and the withdrawal section together. If the terms say “no wagering on spins” but impose playthrough on winnings, the offer is not wager-free in the sense most players expect.

Which Bonus Terms to Check Before You Opt In

A large welcome bonus is not defined by its headline percentage alone. Before depositing, check the reward itself, the qualifying deposit, your eligibility, the expiry date, game contribution and the conditions attached to withdrawal. A specialist review notes that these elements determine the offer’s practical value, but the operator’s terms and conditions control your account.

Confirm that the offer applies

Check whether the welcome offer is restricted to new customers, limited to one account per household, or unavailable in your circumstances. Some promotions require a promo code during the deposit process; others attach automatically after you opt in. Do not assume that registering alone activates the deal. Follow the stated sequence and confirm that the bonus appears in your account before treating it as available funds.

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Check the deadline and deposit rules

Bonus funds and free spins have an expiry period stated in the promotion’s terms. A specialist review identifies periods from 7 to 30 days, so check the exact deadline rather than relying on a general description. Confirm which deposit methods qualify: a promotion may exclude particular options, including some electronic wallets. Also check whether a qualifying deposit must be made in one transaction or under another condition.

Check withdrawal and account safeguards

Read what happens to the bonus and any associated winnings when you request a withdrawal. The terms should state any playthrough condition, withdrawal restriction or forfeiture rule that applies. Keep the distinction between a displayed bonus balance and withdrawable cash clear.

For a UK account, verify the operator’s current licence number on the UK Gambling Commission public register before depositing. Age verification must take place before funds can be deposited. The operator must also prompt you to set a financial limit before your first deposit and provide account-level limit controls. Credit cards cannot be used for gambling, including through a money service business, and a wallet cannot be used where it draws on credit-card funds. These checks should be completed before you opt in, not after a deposit has been made.

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