Curaçao Casinos Not on GamStop: UK Platforms Compared

What non GamStop casinos means for UK players

Non GamStop casinos are online gambling sites that sit outside GAMSTOP, the UK's national self-exclusion scheme for operators licensed by the UK Gambling Commission. This page compares ten Curaçao-licensed casinos not on GamStop, ranked and reviewed below, looking specifically at licensing, bonus terms, payment methods and game libraries so you can judge each on the same criteria before deciding whether an offshore casino suits your situation.

Before reading the individual reviews, it helps to understand what "not on GamStop" actually establishes and what it does not, which the sections below cover in full.

Reviews of the leading casinos not on GamStop

Each of the following operators appears in our top list above. The write-ups below explain what sets each one apart on the criteria that matter for this comparison: bonus structure, game range, payment support and the evidence available about their track record. Ratings reflect the publisher's supplied editorial scoring.

Betmica

Betmica leads this list with a headline welcome offer of 570% up to £5,700 plus 270 free spins, among the largest matched percentages of any casino covered here. A bonus of this size will carry substantial wagering requirements and staged release conditions across multiple deposits, so it suits players planning a larger bankroll rather than a single small deposit, since low deposits will only unlock a fraction of the £5,700 ceiling.

Pros

• Large matched welcome package with a high overall ceiling
• Substantial free spins allocation attached to the offer
• Broad slot library from established providers

Cons

• High bonus percentages usually come with correspondingly high wagering requirements
• As a newer brand, its long-term payout track record is still limited

Kikibet

Kikibet's offer of 350% up to £5,555 and 300 free spins positions it as a strong alternative for players who want a heavy free spins allocation alongside a matched deposit bonus. The free spins count here is the highest on this list, which matters if slots are your main interest, though the value of each spin depends on which titles they're restricted to and the wagering attached to any winnings.

Pros

• 300 free spins is one of the largest allocations reviewed here
• Reasonable minimum deposit for accessing the welcome offer
• Slot-focused catalogue from recognised developers

Cons

• Free spin winnings are typically capped and subject to separate wagering
• Published payout time frames have not been independently verified

Betninja

Betninja offers a flat £1,000 bonus plus 100 free spins to all new players, a simpler structure than the percentage-based offers above. A fixed-amount bonus can be easier to plan around because you know the maximum available regardless of deposit size, though it usually requires a specific qualifying deposit to unlock the full amount rather than scaling automatically.

Pros

• Fixed bonus amount is straightforward to understand
• Free spins included as standard for every new player
• Reasonable game library spanning slots and table games

Cons

• Flat bonuses of this size often require a higher qualifying deposit to unlock in full
• Limited independent evidence on withdrawal consistency given the brand's short trading history

WinnerIsland

WinnerIsland's welcome bonus up to €1,000 plus 100 free spins is denominated in euros, which is worth noting for UK players expecting a GBP account, since currency conversion may apply to deposits, bonus values and withdrawals. The offer itself sits in the mid-range for this list, more moderate than Betmica or Rivo but paired with a full 100 free spins.

Pros

• Free spins allocation matches the deposit bonus for balanced value
• Wide provider mix across slots and table games
• Moderate wagering requirement relative to larger competing offers

Cons

• Euro-denominated accounts mean UK players may face currency conversion on transactions
• No confirmed evidence of a dedicated GBP account option

Zombillion

Zombillion's Welcome Pack of 250% up to £4,000 plus 200 free spins is a GBP-denominated offer, which removes the currency conversion question that applies to some competitors on this list. The 200 free spins is a solid mid-to-high allocation, and the matched percentage, while lower than Betmica's, still delivers a meaningful bonus ceiling for players depositing at the higher end.

Pros

• GBP-denominated offer avoids conversion uncertainty for UK depositors
• 200 free spins is a generous addition to the matched bonus
• Wide slot and live casino provider mix

Cons

• 250% match, while sizeable, is below the top offers on this list
• As a newer operator, long-run withdrawal consistency is not yet well documented

Smash Casino

Smash Casino advertises a 600% up to €10,000 Slots Welcome Package, the largest overall ceiling among the operators reviewed here, though it's specifically framed around slots rather than the full catalogue. Players focused on table games or live dealer titles should check whether wagering contributions differ for those categories, since slots-branded welcome packages commonly restrict eligible games to slot titles only.

Pros

• Highest headline bonus ceiling of any operator on this list
• Large slot library from high-volatility specialist providers
• Extensive game count across the platform

Cons

• Higher wagering requirement than most competitors reviewed here
• Slots-branded package likely excludes table and live games from bonus wagering contribution

Nightluck

Nightluck combines a €6,400 bonus with 280 free spins and an 805% match rate, an unusually high percentage that only becomes meaningful once you calculate it against a realistic deposit size rather than reading the percentage alone. The 280 free spins is among the largest allocations on this list, second only to Kikibet.

Pros

• Very high headline match percentage relative to a low qualifying deposit
• 280 free spins ranks among the largest allocations reviewed
• Broad slot catalogue from recognised studios

Cons

• Extremely high percentage offers often require multiple qualifying deposits to reach the full amount
• Euro account structure may require conversion for GBP depositors

CoinPoker

CoinPoker stands apart from the rest of this list by focusing on poker rather than slots or table games, with a 150% up to $2,000 welcome offer aimed specifically at poker players. This makes it a distinct option for readers who came to this comparison wanting poker variety rather than a slots-driven casino; it is not a substitute for the slot-focused entries above.

Pros

• Dedicated poker platform with a longer trading history than several other entries
• Lower wagering requirement than most casino-style welcome offers on this list
• Cryptocurrency-friendly account structure

Cons

• Limited relevance for readers primarily interested in slots or table games
• US dollar denomination means currency conversion for GBP depositors

Rivo

Rivo's slots welcome package of 1000% up to €10,000 plus 25% cashback is the most complex offer on this list, combining a very high match percentage with an ongoing cashback element. The cashback component is worth particular attention, since cashback offers return a percentage of net losses rather than adding to your deposit, and the terms determine whether that cashback is paid with or without further wagering.

Pros

• Combines a high matched bonus with an ongoing cashback mechanism
• Large slot library from established and high-volatility providers
• Cashback offers some recovery on losses beyond the initial welcome offer

Cons

• 1000% match figures require large deposits to realise meaningful value
• Whether cashback carries its own wagering requirement is not stated clearly in the headline offer

Daytonaspin

Daytonaspin closes this list with 255% up to £4,500 plus 255 free spins, a GBP-denominated offer that pairs a moderate match percentage with a solid free spins count. It is one of the more balanced offers on this list, sitting between the largest headline percentages and the smaller fixed bonuses reviewed above.

Pros

• GBP-denominated offer avoids conversion questions for UK players
• Balanced combination of match percentage and free spins
• Reasonable minimum deposit threshold

Cons

• Mid-range bonus ceiling compared with the largest offers on this list
• Limited long-term evidence given the operator's recent launch

What are casinos not on GamStop?

GAMSTOP is the UK's free self-exclusion scheme for online gambling. Once a player registers, GAMSTOP blocks their access to every operator licensed by the UK Gambling Commission. It's a legal requirement for UKGC licensees to participate; it is not a technology that blocks gambling websites generally.

Casinos not on GamStop are operators that hold licences from other jurisdictions, most commonly Curaçao, and are therefore not connected to the scheme at all. They can accept UK customers, including those who have self-excluded through GAMSTOP, because GAMSTOP has no jurisdiction over non-UKGC operators. This is the core distinction behind every "non GamStop casino" and "casino not on GamStop" search: it describes a gap in regulatory scope, not a special category of licensed, vetted sites.

It's worth separating three overlapping ideas that often get blurred together. A non GamStop casino is simply one outside the scheme. An offshore casino refers more broadly to any operator licensed outside Great Britain, which includes most non GamStop casinos but also some operators serving other markets entirely. "No-KYC" is a marketing claim some sites use to suggest minimal identity checks; it does not mean verification never happens, and it is not evidence of licensing status or safety. None of these labels confirm that a specific casino is fair, secure or well run. That has to be assessed operator by operator, which is the purpose of the reviews above.

How non GamStop casinos differ from UKGC-licensed casinos

The practical differences between a UKGC-licensed casino and a Curaçao-licensed casino not on GamStop touch nearly every part of the player experience, and it's worth being specific rather than treating "offshore" as a single risk category.

On consumer protection, UKGC licensees must follow prescriptive rules on advertising, bonus fairness, and dispute resolution, backed by an Alternative Dispute Resolution provider players can escalate to for free. Curaçao's regulatory framework, historically fragmented among multiple master licence holders and consolidated under the Curaçao Gaming Authority, provides a lighter and less standardised structure. Complaint routes exist but vary by operator and licence holder, and enforcement is generally considered less robust than the UKGC's.

On account controls, GB-licensed operators must offer GAMSTOP integration, mandatory deposit limit prompts, and standardised self-exclusion lasting a minimum period. Non GamStop casinos may offer their own deposit limits and time-outs, but these are set at the operator's discretion and typically apply to that single brand only, not across a network of sister sites.

On bonuses, UKGC rules restrict misleading bonus promotion and cap some practices around wagering transparency. Non GamStop casinos are not bound by these specific UK rules, which is part of why the welcome offers reviewed above reach much higher headline percentages, 250% to over 1000%, than is typical among GB-licensed sites. Larger headline numbers usually come with correspondingly higher wagering requirements or narrower eligible-game rules, so the percentage alone doesn't indicate better value.

On payments, non GamStop casinos more frequently support cryptocurrency and are not bound by the UK's restriction on credit card gambling, though this also means fewer of the consumer safeguards attached to regulated card payments apply.

On games, both categories generally draw from the same pool of international software providers, so game quality differences are less about licensing category and more about which specific providers each casino has contracted.

How we reviewed these non GamStop casinos

Our assessment of each casino not on GamStop above starts with the licence itself: confirming a licence number is displayed, checking it against the issuing authority where a register is available, and noting whether the operating brand matches the licensed legal entity, since some sites operate under a parent company with a name that differs from the customer-facing brand.

We then read the bonus terms in full rather than relying on headline percentages, checking wagering requirements, game contribution rates, maximum bonus bet limits, expiry windows and cashout caps, all covered in more detail in the bonuses section below. We look for clear, accessible terms and conditions pages, since vague or contradictory wording is itself a signal worth noting.

Where public information is available, we consider complaint patterns, such as recurring reports of delayed or disputed withdrawals, and how responsive customer support appears via live chat or email. We also check whether account controls, deposit limits, time-outs and self-exclusion settings, are genuinely present in the account area rather than referenced only in marketing text.

Assessing new casinos not on GamStop

Several operators in this comparison, including Betmica, Betninja and Zombillion, launched relatively recently. A new non GamStop casino is not the same thing as a new company; some newer-looking brands operate on established platform infrastructure or under the same ownership group as longer-running sites, while others are genuinely new operations with no track record at all.

The practical limitation is that a short operating history means less public evidence about how consistently the casino pays out, handles disputes or maintains its terms over time. This isn't a reason to dismiss every new site, but it is a reason to treat marketing claims with more caution and to start with smaller deposits until a track record builds. Specific red flags to watch for include: no verifiable licence number, contact details limited to a web form with no registered company address, bonus terms that are vague about wagering or missing entirely, and a pattern of unanswered complaints on independent forums.

Common licences at Curaçao casinos not on GamStop

Online casino authorisation works differently outside Great Britain, and understanding what a foreign licence actually confirms is essential before depositing anywhere.

Curaçao is the most common licence among the operators covered on this page. Since 2023, Curaçao consolidated its previously fragmented sub-licence system under a single Curaçao Gaming Authority, which issues licences directly rather than through multiple master licence holders. A Curaçao licence confirms the operator has registered and pays fees to that authority; it does not carry the same prescriptive consumer-protection requirements as a UKGC licence, and its complaints process is less standardised.

Malta, regulated by the Malta Gaming Authority, is a stricter EU-based licence used by many operators serving European markets, though MGA-licensed casinos are not automatically available to, or targeting, UK customers.

Anjouan, part of the Comoros, has emerged as a lower-cost licensing option for some operators in recent years, with a lighter regulatory framework than Curaçao's revised system.

Tobique, based in Canada's Tobique First Nation, and Kahnawake, issued by the Kahnawake Gaming Commission, are both indigenous Canadian gaming licences used by some online operators; Kahnawake has a longer regulatory history and a defined complaints process.

Estonia and Panama also license online gambling operators, with Estonia offering EU-based oversight and Panama providing another lower-cost offshore option historically used by operators targeting Latin American and international markets.

Across all of these, two checks matter more than the jurisdiction name itself: exact-domain verification, confirming the licence covers the specific website you're using rather than a related domain, and legal-entity matching, confirming the company named on the licence is the same one operating the casino. Consumer protections and complaint routes vary significantly by licensing authority, and none of these jurisdictions offer a UK-style Alternative Dispute Resolution scheme. If a dispute can't be resolved directly with the casino, the licensing authority's own complaints contact, where published, is typically the only escalation route available.

Casino bonuses at non GamStop casinos

The offers listed among our top picks above vary widely in structure, and understanding the mechanics behind each type is essential to judging real value rather than headline percentages.

Welcome bonuses and deposit bonuses

A welcome bonus, often structured as a deposit bonus, matches a percentage of your first deposit with bonus funds. Betmica's 570% up to £5,700 and Rivo's 1000% up to €10,000 are examples of high-percentage deposit bonuses on this list. The key distinction is deposit-plus-bonus wagering versus bonus-only wagering: some casinos require you to wager your deposit plus the bonus amount combined before withdrawing, while others apply the requirement to the bonus amount alone, which is considerably easier to clear. As a worked example: on a £100 deposit matched at 250% (a £250 bonus, following Zombillion's structure), a 35x bonus-only wagering requirement means wagering £250 × 35 = £8,750 before the bonus funds and any winnings become withdrawable. If the requirement instead applied to deposit-plus-bonus, the figure would rise to £350 × 35 = £12,250.

Free spins

Free spins are typically restricted to specific slot titles and carry their own wagering requirement on any winnings generated. Kikibet's 300 free spins and Nightluck's 280 free spins are among the largest allocations reviewed here; a larger number of spins doesn't automatically mean greater value if the spins are low-value or restricted to low-RTP titles, so checking which games are eligible matters more than the raw count.

No-deposit bonuses

A no-deposit bonus offers a small amount of bonus cash or free spins simply for registering, without requiring a deposit. None of the offers listed in this comparison are presented as no-deposit bonuses; all ten require a qualifying deposit to activate. Readers specifically looking for no-deposit offers should treat any such promotion, wherever found, as carrying tight cashout caps, since operators limit the amount that can be withdrawn from a completely free bonus.

Cashback bonuses

Cashback returns a percentage of net losses over a set period. Rivo's 25% cashback, attached to its slots welcome package, is the clearest example here. Cashback can carry its own wagering requirement before the returned funds are withdrawable, which is not always stated clearly alongside the headline offer, so it's worth confirming directly with the operator before relying on it as guaranteed value.

Loyalty rewards

Loyalty programmes reward ongoing play with points, tier upgrades or periodic bonuses rather than a one-off welcome offer. Evidence on the specific loyalty structures at the operators listed here is limited to what each publishes in its promotions terms, so readers should check the current loyalty scheme directly with the casino rather than assume a standard structure applies across all ten.

Across every bonus type, four conditions decide real value: maximum bonus bet limits (placing a stake above the stated maximum while wagering can void the bonus), bonus expiry dates (unused bonus funds or unmet wagering typically expire after a set number of days), game contribution rates (slots usually count 100% toward wagering while table games often count much less or not at all), and cashout limits (some bonuses cap the maximum amount you can withdraw from bonus-derived winnings, regardless of how much you technically won).

Payment methods at non GamStop casinos

Payment support varies by operator, and the evidence available for the ten casinos on this list is generally limited to what each publishes in its cashier section rather than independently confirmed processing data. The table below outlines general characteristics of common payment methods used across non GamStop casinos; not every method listed is necessarily supported by every operator reviewed above.

Debit card payments

Visa and Mastercard debit cards remain the most straightforward way to deposit at almost any casino not on GamStop. Because these casinos sit outside UKGC rules, some may accept credit cards too, though this removes the UK's own credit card gambling restriction and increases the risk of spending beyond what's readily available.

Bank transfers

Direct bank transfers work for larger deposits and withdrawals but are the slowest method on this list, often taking several business days each way, and may involve currency conversion if the receiving account isn't held in GBP.

E-wallets

E-wallets such as Skrill and Neteller offer a faster, more private alternative to card payments, acting as a buffer between your bank account and the casino. Processing for both deposits and withdrawals tends to be quicker than bank transfers where these wallets are supported.

PayPal availability

PayPal availability at non GamStop casinos is limited. PayPal's gambling terms are closely tied to UK Gambling Commission licensing, so most casinos outside that framework do not offer it as an option; readers specifically searching for PayPal support should check directly with the operator, as it cannot be assumed available.

Cryptocurrency payments

Bitcoin, Ethereum and other cryptocurrencies are increasingly supported, offering fast transfers and a level of privacy that traditional banking methods don't provide. Network fees apply and are generally smaller than card or bank transfer fees, but crypto values can fluctuate between deposit and withdrawal.

Prepaid cards (Paysafecard)

Paysafecard and similar prepaid vouchers are a notable option for paysafe casinos not on GamStop, letting players deposit without linking a bank account or card directly. Paysafecard, however, is a deposit-only method; it cannot be used to receive withdrawals, so an alternative payment method is needed to cash out.

Payment fees and currency conversion

Fees vary by method and operator; card and e-wallet transactions are commonly fee-free, while bank transfers occasionally carry charges. A genuine GBP account avoids currency conversion charges on each transaction; where an operator settles in EUR or USD, expect a conversion fee or rate spread applied by your card issuer or the casino itself.

Withdrawals, KYC and account restrictions

Withdrawal experiences depend on two separate stages that are often confused: casino approval and payment settlement. Casino approval is the operator reviewing and authorising your withdrawal request internally, which can take anywhere from under an hour to several days depending on the casino's processes and whether verification is outstanding. Payment settlement is the time the payment method itself takes to move funds once approved, which is separate and applies regardless of how quickly the casino approved the request.

Identity verification, known as KYC (Know Your Customer), typically requires a photo ID, proof of address and sometimes a selfie or payment method confirmation. Source-of-funds checks, requiring evidence of where deposited money came from, apply more often to larger withdrawals or when spending patterns raise questions, and are standard practice across most licensed operators regardless of jurisdiction. Non GamStop casinos not being connected to GAMSTOP does not mean verification is skipped; most still run these checks, particularly before releasing bonus-related winnings.

Withdrawal limits vary by operator and sometimes by VIP tier, capping how much can be withdrawn per transaction, day or month. Bonus-related restrictions, such as unmet wagering or exceeding the maximum bonus bet, can also delay or void a pending withdrawal until resolved.

Common causes of delay include incomplete documentation, a mismatch between the deposit and withdrawal method, unclear or unmet wagering, and withdrawal requests exceeding a stated limit that then require manual review. If a withdrawal is disputed and can't be resolved through the casino's own support channel, the next step is to escalate in writing, referencing the specific terms in question, and where the operator publishes one, contact the licensing authority's complaints route; Curaçao Gaming Authority and Kahnawake both publish complaint contact details for licensed operators.

Games not on GamStop

The operators reviewed above all offer substantial slot libraries, generally in the range of 3,500 to 4,700 titles according to each casino's own figures, though these game counts should be treated as the operator's own claim rather than independently verified totals.

Slots not on GamStop

Slot libraries at these casinos typically span classic three-reel games, video slots and high-volatility Megaways-style titles from providers including Pragmatic Play, Play'n GO, NetEnt and Hacksaw Gaming, all named as top providers among the operators reviewed above. Popular titles commonly found across non GamStop casino catalogues include Sweet Bonanza, Book of Dead and Gates of Olympus, though availability of any specific title at a specific casino should be confirmed directly, since game libraries change and regional restrictions can apply even at offshore operators. It's also worth understanding that RTP (return to player) is version-specific: the same slot title can be released with different RTP settings depending on the operator's arrangement with the provider, so a headline RTP figure quoted generically online may not match the exact version live on a given casino. Volatility, describing how often and how large wins tend to be, is a separate consideration from RTP and affects how a session feels rather than its long-run average.

Live and table games

Live dealer games stream real dealers hosting blackjack, roulette and baccarat in real time, typically supplied by providers such as Evolution Gaming, named among top providers at several operators reviewed above. RNG (random number generator) table games offer the same core formats, blackjack, roulette and baccarat, without a live dealer, usually with lower minimum stakes and instant round completion. Game quality and fairness depend on the specific provider and their licensing arrangement with the casino, not on the casino's own marketing description, so a large number of listed table game variants doesn't by itself confirm quality; checking which named provider supplies each game is a more reliable signal.

Game providers at Curaçao casinos not on GamStop

The reviews above name several recurring software providers across the ten operators, and understanding what each specialises in helps judge a casino's catalogue beyond the raw game count.

Pragmatic Play appears as a top provider at more operators on this list than any other, known for high-volatility slots and a growing live casino arm. Evolution Gaming is the dominant name in live dealer casino games generally, supplying blackjack, roulette and baccarat tables, and is named among top providers at Betmica, Zombillion and Rivo. NetEnt and Play'n GO are established slot developers known for reliable, well-tested titles and appear across several of the operators reviewed. Playtech, one of the longest-running providers in the industry, supplies both slots and table games. Big Time Gaming, the developer credited with popularising the Megaways mechanic, is named as a provider at Kikibet. Microgaming, another long-established studio known for progressive jackpot networks, supplies WinnerIsland. Novomatic, a European developer with a strong land-based casino heritage, also supplies WinnerIsland.

Provider names on a casino's site indicate which studios it has contracted with, but they don't independently confirm the exact version, RTP or regional availability of any specific title, which is why checking a game's details directly before playing is worthwhile.

Sports betting at non GamStop casinos

Not every casino not on GamStop offers sports betting, and availability among the ten operators reviewed above should not be assumed without direct confirmation from each site. Where a combined casino and sportsbook account exists, it typically operates on a shared wallet, meaning the same account balance funds both casino play and sports bets, though bonus funds are usually restricted to one product or the other.

Where sportsbook products are available, they generally cover pre-match and in-play betting across major sports and, at some operators, esports betting on competitive gaming events. Bet types typically include singles, accumulators (combining multiple selections into one bet) and, at more developed sportsbooks, bet builders that let a player combine several markets within a single match into one bet. Cash-out, allowing a bet to be settled early before the event finishes, is a feature offered by some sportsbooks but not universally, and its availability depends on the specific bet type and market.

Sports free bets differ meaningfully from casino bonuses: a free bet typically requires a minimum qualifying odds threshold (commonly around 1.50 to 2.00 in decimal odds) to count, and the stake itself is usually not returned if the bet wins, only the profit is paid out. This is a different mechanic from a casino deposit bonus, where the bonus amount itself is credited before any wagering. Free bets also carry expiry windows and are typically restricted to specific markets or events, similar in structure to how free spins are restricted to specific slot titles.

Because the evidence available for this comparison is centred on casino offers, readers specifically wanting sports betting should verify with each operator directly whether a sportsbook exists, and if so, what markets, minimum odds and free bet terms currently apply, rather than assuming parity with the casino offers reviewed above.

Self-exclusion at casinos not on GamStop

Non GamStop casinos are not connected to the UK's GAMSTOP scheme, so registering a GAMSTOP exclusion has no effect on your ability to sign up with any of the operators reviewed on this page. This is a structural fact about how GAMSTOP works, not a loophole to be relied upon; using an offshore casino to circumvent a self-exclusion you've put in place undermines the purpose of that exclusion.

Most operators do offer their own account-level controls, typically deposit limits, session time-outs and a self-exclusion option set directly through account settings or by contacting support. These controls generally apply only to the individual brand you've registered with, not automatically to any sister sites the same ownership group operates, so setting a limit at one casino does not restrict access to another.

If you're concerned about gambling that spans multiple sites, including ones not on GamStop, independent support is available regardless of which casino you've used. GamCare operates a free, confidential national helpline and live chat for anyone affected by gambling harm, and can advise on gambling blocking software that restricts access at the device or network level across multiple sites, which offers broader coverage than any single casino's self-exclusion tool.

Choosing between these non GamStop casinos

The clearest way to compare the ten operators above is against the criteria that actually affect your money: the real cost of a bonus once wagering requirements and game contributions are applied, whether the account currency matches GBP or requires conversion, which payment methods are confirmed for both deposits and withdrawals, and how much public evidence exists about an operator's track record. Newer casinos on this list carry more uncertainty simply through limited operating history, not necessarily through any confirmed fault. None of the licences discussed here match UK Gambling Commission oversight, and no operator can guarantee instant withdrawals or risk-free outcomes. Use the individual reviews and the sections above to weigh which combination of bonus terms, payment support and game range fits what you're actually looking for, and check current terms directly with the casino before depositing.