The Best UK Online Casinos for 2026: TOP 200 UKGC Casino Sites Reviewed

Not every online casino has a dedicated poker room, but those that do often offer both cash games and tournaments for a wide range of budgets. We check the size and quality of the game library, the software providers, the available game types, and the poker traffic. We compare deposit and withdrawal methods, limits, USD fees, processing times, and available options such as cards, crypto, eWallets, and vouchers. We reviewed and compared them by security, game selection, state availability, bonus terms, withdrawal options, mobile experience, and overall trust. Shaun Stack is the Editor-in-Chief at Gambling Nerd and a gambling analyst specializing in sports betting odds, online casino strategy, and betting market analysis. Betfred Casino is our current #1 because it gives most UK players the strongest balance of trust checks, game choice, payments and offer clarity.

Bet365 Casino & Games

Though Bet365 doesn’t have as many games as some of its competitors, all the top studios are represented here, including Pragmatic Play and NetEnt. Isaac E. Payne is an experienced technical blogger, creative writer, and lead content manager at GamblingNerd.com. As a published author, he enjoys finding interesting and exciting ways to cover any topic. In his four years on the team, he has covered online gambling and sports betting and excelled at reviewing casino sites.

How We Rank the Best Online Casinos

With UKGC licence number 38758, Pub Casino is one of the best new online casinos for UK players. What makes this casino stand out from other new UK online casinos in our list is its excellent user experience. The casino recently updated its site, and the new site boasts a modern design and an intuitive interface that makes it easy to use and navigate the casino even if you’re a beginner. One thing that gives many UK players peace of mind when playing online is having easy and fast access to a customer support service when they urgently need it.

• Offshore casinos may offer broader access, larger bonuses, or crypto banking, but they come with weaker US regulatory recourse.
• The casinos are also built with advanced HTML5 technology that allows them to run smoothly even on mobile devices with smaller screens.
• This makes the casino one of the best UK online casinos for a welcome bonus as it combines a deposit bonus of up to £200 with 100 free spins on Big Bass Splash.
• The casino site is optimised for iOS and Android devices, and the site translates well on any screen size.
• They’re faster, keep you logged in, and often include exclusive bonuses you won’t find in a browser.
• The Ivy Casino app gives you full access to everything the browser site has.
• Ranked by our editors after live 2026 testing — UK Gambling Commission licensed casinos only, scored on game variety, payout speed, bonus value and app quality.
• No deposit bonuses let you claim a small bonus without adding money first.
• When playing at Coral Casino, you can claim a wide range of ongoing promotions and rewards.
• These sites usually offer live blackjack, roulette, baccarat, and casino game shows.
• Below is the full list of trusted places to gamble for real money, with a short description of each brand and a note on what they’re best known for.
• If you’re playing at the best mobile casinos in the UK, you’ll also enjoy the convenience of using Apple Pay and Google Pay.
• There might be more hundreds and hundreds of licensed operators offering real-money games, yet the best online UK casinos make up a much smaller, more reliable group.
• Once you’re in, the lobby is packed with hundreds of slots and quality table games.
• The winning numbers are drawn at random, and you’ll win a prize if your numbers are chosen.

Responsible Gambling

The casino also offers a great selection of table games, allowing you to play classics such as blackjack, poker, roulette, and baccarat. Choosing the best online casino depends on your state, preferred casino type, payment method, and risk tolerance. State-regulated casinos offer the strongest US player protections where available. Offshore casinos may offer broader access, larger bonuses, or crypto banking, but they come with weaker US regulatory recourse. Sweepstakes and free-play casinos can be better options for players who do not want traditional real-money deposits.

Specialty Games

The £200 maximum bonus is also among the highest available at the best UK online casinos. Pub Casino also features clear menus and tabs, and navigating between the main casino lobby and the live casino section is easy. It also has a filter function that allows you to sort games by provider, game category, or game type.

If the casino is state-regulated, file a complaint with the relevant state regulator. If it is offshore, check the operator’s listed licensing body and complaint process, but understand that US state regulators usually cannot intervene. State-regulated US casinos usually offer responsible gambling tools that meet state rules. Offshore casinos might also have limits and self-exclusion, but how they work and how well they are enforced can vary by operator. Legitimate online casinos are generally not rigged, but that does not mean every casino is trustworthy. Reputable sites use Random Number Generators (RNGs) to produce unpredictable game results, so each spin or hand is independent from the last.

• The payout rate is basically how much of your wagered cash you’ll get back from a casino over time.
• They can be useful for testing a casino, but they usually come with stricter rules, lower cashout limits, and more limited game options.
• Sic Bo is a traditional Chinese dice game, but it’s quite easy to learn and can be profitable with the right strategy.
• Enter our unique promo code “THEVIC” when you create your account to access up to £20.
• The live casino section is powered chiefly by Evolution, with Playtech and Pragmatic Play adding further depth.
• Ironically, All British Casino is run by a company from Malta, but don’t let that put you off.
• For instance, you can spin the Prize Wheel and Super Wheel every day to win free spins on select slots.
• We have seen that online casinos can offer much more generous bonuses than US land-based casinos, and they can enhance play, especially for frequent players.
• This payment method allows you to immediately transfer your funds to your MogoBet account through mobile payment options like your phone bill.
• Playing with a casino bonus is one of the best ways to test and familiarise yourself with the casino.
• Betfred is our top pick for the best progressive jackpot casinos for UK players.
• European roulette has a house edge of about 2.70%, while American roulette is around 5.26%.
• You can also visit our responsible gambling page, you’ll find resources and more support available if you need them.

Launched in 2024, this casino has a mobile-first interface with both browser support and mobile app access. It also features a clean design that’s easy to navigate, and a game library with over 2,520 slots and more than 187 live casino games. Other payment methods with fast withdrawals at UK casinos include Trustly and Paysafecard. Paysafecard, on the other hand, offers anonymity and more security as you don’t need to provide a debit card or bank details to deposit or withdraw if you have a PaysafeWallet. In addition, we check whether the casino accepts payment methods convenient and popular with UK casino players, such as Pay By Phone, debit cards, and e-wallets like PayPal.

Betmaze — Best for Table Games

Playing with a casino bonus is one of the best ways to test and familiarise yourself with the casino. At LottoGo, you get a welcome bonus of 100% up to £200, plus 100 free spins. This makes the casino one of the best UK online casinos for a welcome bonus as it combines a deposit bonus of up open website to £200 with 100 free spins on Big Bass Splash.

Our Best Casino Choices Reviewed

A 300% welcome bonus is not automatically better than a smaller offer. Compare wagering requirements, eligible games, expiry dates, maximum bets, and cashout limits. The best bonus is usually the one you can realistically use based on the games you play. We have seen that online casinos can offer much more generous bonuses than US land-based casinos, and they can enhance play, especially for frequent players.

Other Sports

We’ve reviewed NOT 20, 50, or the top 100 sites; we went through 203 online casinos licensed in the UK by the UK Gambling Commission. Below is the full list of trusted places to gamble for real money, with a short description of each brand and a note on what they’re best known for. Verified figures (year founded, owner, game counts) are included only where they’re publicly established — for the rest, the linked review has the up-to-date details.

Some of the most played jackpots at the casino include Sugar Train Jackpot, Heartburst Jackpot, Striker Goes Wild Jackpot, and Shopping Spree Jackpot. The Ivy Casino app gives you full access to everything the browser site has. It’s also optimised perfectly for smaller mobile screens, and it features a fast-loading interface that handles live dealer sessions and slot game sessions efficiently without performance issues.

If a site falls short on several points, we won’t recommend it to you. Answer three quick questions and we’ll match you to a UKGC-licensed casino from our top 10. Players looking for simple bonus terms will find well-known no-wagering brands such as PlayOJO, Mr Q and All British Casino among our highest-rated picks.

TalkSPORT BET also offers e-sports and virtual sports such as League of Legends, Virtual FIFA, CS2, Dota 2, Valorant, and Counter-Strike. In a span of 20 days after creating your account at the casino, you can claim 5, 10, 20 or 50 free spins daily, up to 500 free spins. There’s also no wagering requirement attached to the free spins winnings. Our guide to the best payout casinos ranks operators by RTP and withdrawal speed specifically. For slots, 96%+ is solid; blackjack can be 98–99% with optimal play. UKGC rules require age/ID/address checks to prevent underage play and fraud.

Bingo’s Popularity Explained – What Contributes to Bingo Being So Big?

Cash out with a digital wallet and your money usually lands within hours — ideal if you hate waiting. The first 20 casinos on our list feature many of the UK’s best-rated sites, including Bet365, 32Red, Unibet, Mr Green and PlayOJO. We work with top UK casinos and bookmakers to bring you exclusive deals—whether it’s free spins, deposit matches, or no-risk bets.

As for the playing experience, live tables run without lag on standard UK mobile connections, and the app brings the sportsbook and casino together in one polished, well-designed interface. For players who mainly bet on sports but like to sit at a live blackjack table between matches, Virgin Bet offers a genuinely useful combination that many standalone casinos can’t match. It stands out with its over 9,960 casino games from over 100 providers, including Playtech and Games Global. The casino also provides transparent theoretical and real RTP data for each slot, which makes it easy for you to make decisions when playing slots. You can also sort games alphabetically, by type, popularity, rating, or provider, or even use the ‘Search’ function.

Read bonus terms

• But not when it has hidden terms or impossible-to-meet wagering requirements.
• LivescoreVegas is the casino arm of LiveScore Bet, operated under a UK Gambling Commission licence (56859).
• MrQ Casino is one of the UK’s best online casinos for several reasons, but where it excels most is offering free spins promotions.
• It is the one with the clearest terms, safest banking, realistic payouts, and the right games for how you actually play.
• So, every online casino that wants to legally operate in the UK has to get a license from the UKGC.
• In his free time, he enjoys playing blackjack and reading science fiction.
• The first and most important factor we consider is the casino’s licensing and safety.
• Whether you’re looking for generous casino bonuses, a diverse range of games, fast withdrawals, or any other casino offering, bet365 is an all-around online casino for UK players.
• The casino also offers a great selection of table games, allowing you to play classics such as blackjack, poker, roulette, and baccarat.
• So, if you find a bonus with more than 10x wagering, just skip the offer.
• The casino also has in-house games, as well as an extensive sportsbook section, where you can wager on sports like football, horse racing, cricket, and 39 other sports.
• Our top picks for the best mobile casino and casino apps for UK players are Ivy Casino, Betway, and bet365.
• At the same time, the RTP (return rate) is the long-term return (not during a single session only) that a specific game will give you back.

Whether to play on the mobile casino site or app in the UK depends on your preferences. Both offer almost similar benefits, but UK mobile apps are often superior as they provide customisation features like push notifications for new casino bonuses and new games. Some casino apps also offer offline access to some degree, as well as improved security features through biometric logins and authentications, particularly when making deposits and withdrawals. For fans of classic table games, Betmaze is one of the top online casinos in the UK to join. The casino offers a great selection of popular table games, including blackjack, roulette, poker, and baccarat. Roulette is one of the most played table games at the casino, and you can play popular variants such as European Roulette, 20p Roulette, World Cup Roulette, Roulette 6, and 100/1 Roulette.

You’ll find details in the footer, but we always cross-check with the UKGC register for peace of mind. Over 2,000 titles from Pragmatic Play, NetEnt and others, plus a welcome offer with bonus cash and spins. Rialto Casino has a nice well-designed interface both on desktop and on mobile. But beyond its usability, I rate this as one of the best UK casinos for speedy withdrawals. If you cash out with your digital wallet, you can expect the funds to land in your account within a few hours, so it’s the perfect place to play if you don’t want to wait for your winnings.

🎁 VIP and High-Roller Bonuses

If the same 30x applies to a $100 deposit plus a $100 bonus, the requirement becomes $6,000. That is why we check the wagering base, eligible games, expiry window, max bet rules, and max cashout before treating a bonus as valuable. Blackjack is one of the main table games available at online casinos, but the rules can vary by operator, software provider, and live dealer studio. Online casinos for real money are the closest online version of a traditional casino. Our rankings are based on an overall evaluation of player experience across casino sites.

As for game varieties, this top UK casino offers jackpots, classic slots, video slots, table games, video poker, scratchcards, bingo, and keno, among other games. The casino also has a dedicated section where you can find the most popular jackpots and progressive jackpots, ranked by their potential payouts. Players may receive Sweeps Coins that can be redeemed for prizes if they meet the casino’s eligibility and redemption rules.

Nigel Farage has made a safe gambling message for online-casinos.co.uk players. Listen to what he has to say about online casino safety before you choose where to play. You can be after slots, live-dealer roulette, or RNG blackjack; we always look at the available game selection, return rates (RTP), and, of course, software providers. Playing at UK online casinos should always be fun, and you should never use it as a way to make money.

Virgin Bet Casino

When playing at Coral Casino, you can claim a wide range of ongoing promotions and rewards. For instance, you can take advantage of Coral Coins, Centenary Rewards Grabber, casino tournaments and prize draws. The casino also has a sportsbook section where you can bet on more than 40 sports such as football, cricket, horse racing, ice hockey, and tennis. If you would also like to bet on sports, the talkSPORT BET sportsbook section covers more than 28 sports. You can also bet on niche sports such as table tennis, cycling, and darts.

We, therefore, assess the casino’s support service to make sure it’s responsive and helpful. We also make sure that the casinos have multiple support channels that UK players can use to speak to a support agent, such as live chat, phone support, email, and social media platforms. The UK has many online casinos, which can be overwhelming when trying to find a trustworthy, UK-licensed platform that matches your preferences and playing style. At LiveScore, we have thoroughly reviewed and tested the best online casinos for UK players, all licensed and regulated by the UK Gambling Commission (UKGC). If you’re playing at a licensed online casino, they are required to ask for proof of ID and sometimes proof of residence.

✅ Player Support and Withdrawal Speed

Besides live dealer games, UK online casinos also offer live game shows. Hosted by a TV host, these live games combine real-time interaction with the host and other players, social engagement, and entertainment. Monopoly Live, Crazy Time, and Dream Catcher are some of the most popular live game shows with UK players. For a real-dealer experience, our guide to the best live casino sites covers streaming quality and studio variety.

The most popular live dealer games include live roulette, live blackjack, live baccarat, and live poker. MogoBet Casino is among the best Pay By Mobile casinos in the UK, and it prioritises offering the premium mobile casino experience for UK players. The casino lets you deposit and withdraw on the go at any time and from anywhere using the Pay By Mobile payment option.

• The Big/Small and Even/Odd wagers have a low 2.78% house edge, comparable to 50/50 wagers in Roulette.
• It also offers more than 40 different online scratchcard games with huge prize pools.
• Virgin Bet’s live casino section is powered mainly by Evolution Gaming, with Pragmatic Play Live and Ezugi adding further choice.
• If the same 30x applies to a $100 deposit plus a $100 bonus, the requirement becomes $6,000.
• Ensure you understand the terms, like wagering requirements and game restrictions, to make the most of it.
• As for the playing experience, LivescoreVegas benefits from the same clean, lightweight interface that has made the wider LiveScore app so popular.
• Use limits, slower decisions and safer gambling tools as part of the casino choice.
• For fans of classic table games, Betmaze is one of the top online casinos in the UK to join.
• You can find a wide range of slots, live casino games, table games, card games, arcade games, poker, jackpots, and bingo.
• These types of casinos are widely used and regulated in states like Michigan, New Jersey, and Pennsylvania.
• The most popular live dealer games include live roulette, live blackjack, live baccarat, and live poker.
• The games at the casino are powered by more than 170 game studios, including Games Global, 1×2 Gaming, Pragmatic Play, Evolution, Hacksaw Gaming, BGaming, IGT, and Inspired Gaming.
• If wagering applies only to a $100 bonus, the player must place $3,000 in eligible bets.

free spins on 1st deposit, no wagering

• For existing players, you can claim free spins in the form of exclusive offers, refer-a-friend promos, reload bonuses, or other ongoing promotions.
• If you’re a fan of classic card games, many online casinos also offer table games such as blackjack, roulette, poker, and baccarat.
• Our final rankings prioritize security above all and the complete user experience that affects US players the most.
• With a game library hosting more than 7,000 games, NetBet is a popular UK online casino for players looking for an extensive selection of games.
• When you play via the app, you can stay logged into your account and access thousands of games with the tap of a button.
• Debit cards are also the only eligible deposit methods for claiming welcome bonuses at almost every UK casino site and casino app.
• Most mobile casinos offer slots, blackjack, roulette, baccarat, video poker, and even live dealer games.
• That is why we break down every promo and tell you which offers are worth grabbing.
• Responsible gambling tools help you control how much time and money you spend.
• Another type of game popular with UK players, particularly at new UK casinos, is live casino games.
• For payment-specific advice, our guides to the best PayPal casinos and Visa casinos cover those methods in more depth.
• It is now over 100 years old, and the casino site offers more than 4,500 high-quality online casino games.
• You can also download the Ivy Casino app on the Apple App Store if you have an iPhone or iPad, or from the Google Play Store for those using tablets or Android smartphones.
• We like to see between five and ten payment methods supported at UK online casinos.
• That’s over two decades of real experience guiding readers like you to casino sites that actually deliver.
• You can even interact with the dealer, making live games more fun and interesting.

For payment-specific advice, our guides to the best PayPal casinos and Visa casinos cover those methods in more depth. Most let you play directly through your mobile browser, while some also offer a casino app. The best online casino for UK players that we recommended offers responsible gambling tools that can help you play responsibly. Common tools you can use include reality checks, time-outs, and self-exclusion. If you’re a fan of slots, you can play classic slots, megaways, video slots, jackpots, and progressive jackpots at NetBet. Popular slots at the casino include Big Bass Bonanza, Big Bass Splash, Secrets of Atlantis, Golden Winner, and King Kong Cash 4 Even Bigger Bananas.

Popular variations include 3-reel, 5-reel, bonus, and progressive jackpot slots. Slot games often have a high house edge, but there are some high-RTP games that are good for profit-focused players. An online casino is a website or app where you can play casino games over the internet. There are a few different types of online casinos that Americans have access to.

Once you’re in, the lobby is packed with hundreds of slots and quality table games. We make it easy to find the best places to play online and on the high street. Whether after a big casino night, a few spins on the slots, or a punt on the horses, Casino UK has all the expert advice, reviews, and offers you need. First, contact support and keep screenshots of the withdrawal request, account balance, bonus terms, KYC requests, and chat/email history.

Are Online Casinos Safe and Fair?

The main difference is whether the site is state-regulated, offshore, sweepstakes-based, crypto-focused, or free-play only. At online-casinos.co.uk, we’ve been helping potential UK players find the best online casinos since the dial-up days. That’s over two decades of real experience guiding readers like you to casino sites that actually deliver. One of the key bonus terms to check out is the wagering requirement, which states the number of times you must play through the bonus, deposit, and bonus winnings before you can withdraw.

Pub Casino

You can also look for specific games by typing the games’ names on the ‘Search’ tab. However, we still give the best ratings to sites like Bet365, which offers outstanding slot apps to all UK players. I highly recommend Grosvenor if you’re looking for an outstanding live casino in the United Kingdom. You can play blackjack and roulette live-streamed from London’s Grosvenor Casino, while online favourites like Crazy Time from Evolution are also available. Most players stick to familiar names — and after testing hundreds of sites ourselves, we estimate that only 20–100 casinos actually deliver the fairness, game quality, and value players should expect.

• As digital versions of traditional slot machines that you would find at land-based casinos, online slots are the most popular games at UK online casinos.
• We always test the quality of a casino’s customer support team and ask them to resolve various issues on our behalf.
• For more on the newest sites launching in the UK, see our full list of the best new casino sites.
• We evaluate how easy it is to sign up, find games, manage an account, and move around the platform.
• Now and then, it launches seasonal promotions that can boost your bankroll and give you more bonus funds and free spins to play with.
• Unfortunately, most UK online casinos today don’t offer phone support.
• Remember, a sharp line-up of 1,000 games from trusted studios is better than 5,000 games from unknown developers.
• Your winnings will increase as the journey progresses, but you need to cash out before the vehicle crashes.
• While the Coral Casino website launched in 2011, Coral began as a horse racing betting site back in 1926.
• What we actually pay attention to is real player feedback (both praise and complaints).
• Poker is one of the few casino games where you compete against other players instead of the house.

While the house edge is higher than blackjack, the potential for big wins is equally high. Use these category picks to match a casino to the way you actually want to play.

• As a published author, he enjoys finding interesting and exciting ways to cover any topic.
• For existing players, you can claim free spins in the form of exclusive offers, refer-a-friend promos, reload bonuses, or other ongoing promotions.
• These games are just like the scratch-off tickets you can buy at convenience stores and gas stations.
• It’s about spotting a site that suits your playing style and doesn’t muck about when it comes to fairness, withdrawals, or support.Wondering what to keep an eye on?
• The £200 maximum bonus is also among the highest available at the best UK online casinos.
• We like to see between five and ten payment methods supported at UK online casinos.
• You’ll find details in the footer, but we always cross-check with the UKGC register for peace of mind.
• We check to make sure the casino we recommend has a valid licence from the UKGC.
• Before choosing an online casino, check which payment methods you can use.
• With extensive casino and sportsbook sections, talkSPORT BET is our top choice for online casino gaming and sports betting.
• You can play blackjack and roulette live-streamed from London’s Grosvenor Casino, while online favourites like Crazy Time from Evolution are also available.

A casino may be convenient for deposits but much more restrictive when you try to withdraw. Check our list of online casinos with the fastest payouts, so you can receive your winnings as quickly as possible. Before treating a provider as a strength, verify that the casino actually offers those games to players in your state or jurisdiction. For example, a provider may be common in regulated US markets but unavailable at certain offshore casinos, or available only in selected states.

Our dedicated guide to free spins no deposit offers covers this type of promotion specifically. Virgin Bet’s live casino section is powered mainly by Evolution Gaming, with Pragmatic Play Live and Ezugi adding further choice. Players can access the usual live roulette, blackjack, and baccarat tables, plus popular game shows such as Crazy Time and Monopoly Live for a more entertainment-led session.

Setting a budget and wager limits can also help you manage your spending. Withdrawals should hit your account in 1–3 days depending on method.E-wallets are fastest; bank transfers take longest (up to five days). The best studios in the UK market have their games independently audited by eCOGRA or iTechLabs to ensure fairness. These auditors check that the RNGs in the games are as they should be, giving you peace of mind when spinning the reels. We only recommend sites licensed by the UK Gambling Commission (UKGC).

Safe & Responsible Gambling

Before signing up, compare the casino’s license, restricted states, withdrawal rules, bonus terms, game library, and responsible-gambling tools. It is the one with the clearest terms, safest banking, realistic payouts, and the right games for how you actually play. These sites usually offer live blackjack, roulette, baccarat, and casino game shows. They feel more interactive than regular online casino games because you can watch the action happen in real time. Another type of game popular with UK players, particularly at new UK casinos, is live casino games. These games mimic the casino experience at land-based casinos and are perfect if you’re looking for an immersive, near-real-life casino experience.

• At the time of writing, the casino’s promotions page features over eight bonuses for existing players.
• These auditors check that the RNGs in the games are as they should be, giving you peace of mind when spinning the reels.
• There’s also a Pub Casino app that you can download, whether you’re using an iPhone, tablet, iPad, or an Android smartphone.
• The great news is the simpler bets have the best odds in the game, and the pass line bet (which you will learn about in our craps guide) is the only fair bet in the casino.
• They are usually smaller than welcome bonuses, but they can add extra value if you already planned to keep playing at the same casino.
• Other payment methods with fast withdrawals at UK casinos include Trustly and Paysafecard.
• Crypto withdrawal limits are typically higher than fiat currency withdrawals.
• Some players love massive slot selections, others want live dealers, and some just want the smoothest mobile app.
• Others offer no deposit welcome offers, which you can claim without having to make any deposit or monetary commitment.
• Another payment method you can use for fast withdrawals at the best online casinos in the UK is e-wallets.
• Compare wagering, expiry, eligibility and cashout rules before treating any offer as value.

If you enjoy blackjack, the casino offers blackjack variants such as European Blackjack, Atlantic City Blackjack, Single Deck Blackjack, and Vegas Strip Blackjack. For poker fans, you can choose between Joker Poker, Aces and Faces, Triple Edge Poker, Ride’m Poker, and Caribbean Poker. Bet365, Ladbrokes, William Hill Vegas, Grosvenor online, Casumo, new Puntit casino, and Rialto are on the top casino sites list for UK in 2026. It doesn’t have many progressive jackpots, but its ongoing promos — especially Monday Reward Play and the VIP Club — make it great value. Rialto’s design is smooth on both desktop and mobile, but the real perk here is withdrawal speed.

This is a common practice at top online casinos, and verification often needs to be completed before you can request a withdrawal. Choose your preferred payment method—options often include credit/debit cards, e-wallets like PayPal, or bank transfers. Enter the amount you wish to deposit, keeping in mind any minimum deposit requirements.