Online Casino with 400% Bonus: How It Works

Understand deposit matching, bonus credit, free spins and wagering requirements before using promotional funds.

What a 400% Casino Bonus Actually Means

A 400% casino bonus is a percentage match linked to a qualifying deposit. The percentage describes how much promotional credit is calculated from the amount you deposit; it does not describe an additional cash payment that can be withdrawn immediately.

The basic relationship is straightforward:

Bonus credit = qualifying deposit × 400%

A deposit of £10 would therefore produce £40 in bonus credit, provided the transaction meets the promotion’s conditions. The account would show the deposited money and the credited bonus as separate components, although the exact display depends on the casino’s system.

The important point is that the advertised percentage applies to the qualifying deposit, not to your eventual winnings and not to every pound you hold in the account. If the offer refers to a maximum bonus, the calculation stops when that maximum is reached. A larger deposit does not automatically create unlimited promotional credit.

The percentage is not withdrawable cash

A 400% match can make the promotional balance look much larger than the amount you deposited. That balance is still not the same as cash available for withdrawal. It is credit issued under a promotion, and the casino can attach conditions to its use and removal.

This creates three figures that should not be confused:

1. Your deposit — money transferred into the casino account.
2. The bonus credit — promotional funds calculated from the qualifying deposit.
3. The withdrawable balance — money the operator allows you to take out at that point.

Those figures may become connected during play, but they do not have the same status. A headline such as “400% casino welcome bonus” describes the second figure only. It does not state that the full displayed balance can be withdrawn as soon as the bonus appears.

The same distinction applies when you see descriptions such as “400% deposit bonus”, “400% match bonus” or “400% slots bonus”. These labels identify the promotional calculation. They do not, by themselves, explain which balance is real money, which balance is bonus credit, or what must happen before a withdrawal is accepted.

A worked structure

Suppose an online casino with a 400% bonus credits the promotion against a qualifying deposit of £20. The percentage calculation produces £80 of bonus credit. The promotional balance is therefore based on £20, not on a promise that £80 has been paid into your bank account.

If the account later displays £100, that figure still needs to be interpreted. It may combine the original deposit, bonus credit and winnings generated during play. The display alone does not show which part is withdrawable. The promotion’s rules determine how the balances are treated.

This is why a high percentage can be misleading when read without the account structure. A 400% offer has a larger advertised multiplier than a lower percentage match, but the percentage does not remove the distinction between deposited funds and promotional funds. Nor does it tell you whether a win generated while using the offer can be withdrawn immediately.

Do not confuse a match with cashback

A 400% casino bonus is a deposit-linked promotion. Cashback follows a different calculation. Cashback casino bonuses return money on casino losses, rather than adding promotional credit as a percentage of a qualifying deposit.

Cashback can be offered as a one-off promotion or as a recurring benefit for existing casino players. It may be applied automatically, or the player may have to opt in. A cashback offer can also come from a casino or from a selected software provider. Higher-ranked VIP members may receive more lucrative cashback benefits, but that does not turn cashback into a 400% deposit match.

The difference matters because the starting event is different:

• A deposit match begins with an eligible deposit.
• Cashback begins with the losses or activity defined by that separate promotion.

The cashback percentages mentioned in the available material range from 5% to 25%. Those figures describe cashback offers, not the calculation of a 400% deposit bonus. Applying the cashback percentage to a deposit would produce the wrong result, just as applying a deposit-match percentage to casino losses would describe the wrong product.

Why the headline needs a second reading

A high promotional percentage tells you the scale of the credit calculation, but it leaves several operational questions unanswered. You still need to establish whether the offer is available to you, whether the deposit qualifies, and how the resulting balance is treated. Those details are not contained in the number “400%”.

One point deserves particular care in the UK context. A specialist review identifies wagering above 10x as a warning sign for UK casino promotions because of the current cap discussed in that source. This is a source-specific caution, not a substitute for reading the individual offer. The percentage of the match and the treatment of the credited funds remain separate questions.

The safest interpretation is therefore mechanical: a 400% bonus multiplies an eligible deposit for promotional-credit purposes. It does not multiply your withdrawable cash, guarantee a particular result, or convert every displayed pound into money you can take out. Once you separate deposit, bonus credit and withdrawable balance, the headline becomes easier to evaluate without treating the advertised amount as a cash promise.

How a 400% First-Deposit Offer Applies to Slots and Mobile Play

A first-deposit promotion is triggered by a specific payment event, not by opening an account or simply launching a slot. The practical sequence is: you register, meet the casino’s eligibility conditions, make a qualifying first deposit, and then the promotional system applies the stated offer. The exact result depends on the terms attached to that deposit.

For a player looking for an online casino with a 400% bonus in the UK, the important question is therefore not only whether the headline appears on the homepage. You need to establish how the offer recognises the deposit, when the credit is added, and whether the games you intend to play are included.

The deposit is the activation point

A first-deposit bonus normally depends on the first qualifying payment rather than every later top-up. That distinction matters because a payment can fail to trigger the promotion if it does not meet the stated conditions. Before depositing, check whether you must opt in, whether the offer is attached automatically, and whether the payment method is eligible.

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The account balance should make the transaction visible. After the deposit, look for separate entries showing the deposited funds and any promotional credit. If the bonus does not appear, avoid assuming that it will be added later. Check the promotion panel and the casino’s support route before continuing to play, since further activity can make the balance harder to interpret.

A 400% deposit bonus is promotional credit, not a second withdrawal balance. The deposit may be available for play under the casino’s rules, while the credited amount remains subject to its own conditions. The display on your account should make that separation understandable.

How slots become connected to the offer

When the promotion is described as a slots deposit bonus, the connection is made through the game eligibility rules. The deposit activates the offer, but the resulting credit can be restricted to particular casino products or can contribute differently depending on the game selected.

That is why you should open the promotion’s game list before choosing a slot. Check whether slots contribute fully, partially, or not at all to the relevant promotional progress. Do not infer eligibility merely because a game is visible in the casino lobby. The lobby shows available content; it does not necessarily define how a promotion treats each title.

The same check applies if the wording combines a deposit match with free spins. A 400% free-spins casino bonus may involve a separate reward attached to the deposit, rather than converting the whole promotion into cash. Identify which part is credited as funds and which part is issued as spins. Their balances, expiry rules, and withdrawal treatment may not be identical.

Using the offer on mobile

A mobile casino does not necessarily use a separate promotion. In many cases, the mobile site or app connects to the same player account, so the relevant deposit event is recorded against that account rather than against the device. The practical test is whether the promotion is visible before you pay and whether the same qualifying conditions appear after you sign in on mobile.

Avoid depositing from a mobile screen where key information is hidden behind a collapsed panel. You should be able to locate:

• the qualifying deposit condition;
• the activation or opt-in instruction;
• the games included in the promotion;
• the treatment of slots and free spins;
• the distinction between deposited money and bonus credit;
• the point at which promotional funds can be withdrawn.

If the mobile interface shows only the headline percentage, switch to the full terms before confirming the payment. A smaller screen can hide material information without changing the underlying rules.

What to check before depositing

Use the following sequence for any UK search for casinos with a 400% deposit bonus:

1. Confirm that the promotion is available to new players making a first qualifying deposit.
2. Check whether you must opt in before paying.
3. Confirm that your chosen payment route is accepted for the promotion.
4. Verify that slots are included and understand how your intended play is treated.
5. Separate any free-spins reward from the cash or bonus-credit element.
6. Check how the account displays the deposit, bonus funds, and promotional progress.
7. Read the withdrawal conditions before committing money.

Do not confuse this deposit-linked offer with cashback. Cashback is a separate type of casino promotion: it may be calculated from net losses or from every bet, depending on the offer. Cash cashback can be credited as withdrawable money without wagering requirements, while bonus-credit cashback carries playthrough conditions. Those mechanisms do not explain how a first-deposit promotion is activated.

The same distinction helps when you see non-sticky or sticky language elsewhere. Non-sticky cashback keeps real money and bonus credit separate, whereas sticky cashback merges them until the required playthrough is complete. These are cashback balance structures, not a reason to assume that a 400% deposit offer will be withdrawable immediately.

Before selecting an online slots deposit bonus in the UK, treat the first payment as a controlled transaction. Confirm the trigger, verify the mobile display, and make sure the games you plan to use are covered. Only then can you tell whether the advertised offer matches the way you intend to play.

Reading 400% Casino Bonus Terms Before You Claim

A 400% casino bonus for UK players should be read as a set of accounting rules, not as a promise that the displayed credit is immediately withdrawable. Before using a bonus code, app promotion or welcome offer, identify how the operator separates your deposited money from promotional funds and how it calculates any qualifying result.

Separate the two balances

The first distinction is between real money and bonus credit. Real money is the amount you deposited or any winnings that the rules already treat as cash. Bonus credit is promotional value attached to the offer. These balances may appear together in one account, but the terms can assign them different withdrawal conditions.

That difference matters when you win. A balance can increase while the bonus remains restricted. The relevant question is not simply whether the account shows a positive amount. Check which part is real money, which part is bonus credit, and what event changes restricted funds into withdrawable funds.

Look for wording that explains:

• whether your deposit remains available separately from the bonus;
• whether winnings generated while bonus funds are active inherit the promotion’s conditions;
• whether a withdrawal cancels the offer or removes associated credit;
• whether unused bonus funds expire or are removed under a stated rule.

Do not treat an attractive headline as an answer to any of these points. A “best” 400% casino bonus offer in the UK is only useful to you if its balance rules are clear before you opt in.

Identify what the calculation measures

Terms may calculate a benefit from net losses or from individual bets. These are not interchangeable methods.

With net-loss cashback, the operator compares the relevant casino results over the defined period. Cashback is payable only when you finish that period with a loss. Finishing in profit means you generally do not qualify under that calculation. The important words are therefore “net result”, “qualifying period” and any exclusions used when the result is assessed.

Every-bet cashback works differently. It applies a percentage to each stake whether that bet wins or loses. A winning bet does not automatically remove the stake from the calculation, because the method is tied to the individual wager rather than the final result for the period.

This distinction prevents a common reading error: assuming that all promotional returns are based on the amount lost overall. If the terms refer to accumulated net losses, read them as a period result. If they refer to every qualifying stake, read them as a bet-by-bet formula.

Check the period and any cap

A term referring to daily or weekly cashback can impose a separate calculation window. The operator assesses your net result for that period, then applies the stated rule to qualifying losses up to the applicable cap. A cap limits the amount used in the calculation; it does not mean that every amount shown in your account is eligible.

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The period also affects the result. Deposits, wins and losses may be considered within the specified window, so a loss at one point does not by itself establish eligibility if later play changes the final result. Read the start and end points of the period before assuming that a qualifying amount has already been secured.

Because the daily or weekly treatment comes from a specific industry source rather than a universal rule, verify the operator’s own published wording. Do not import that structure into every 400% online casino bonus for UK players.

Treat wagering wording as a withdrawal condition

The terms should state whether credited funds carry wagering requirements and how those requirements affect withdrawal. If the condition is attached to bonus credit, the account may show funds that cannot yet be withdrawn. The point at which money becomes cashable must be stated clearly enough for you to determine what remains outstanding.

A specialist industry review presents wagering above 10x at UK casinos as a warning sign in light of the current cap. That is a caution from that source, not a substitute for reading the individual offer. If a 400% casino bonus code in the UK leads to terms with a higher requirement, examine the calculation base, eligible games and any maximum contribution before depositing.

Finally, confirm that the material conditions are visible before opting in. This includes the treatment of credited funds and any wagering requirement. If the page advertises the percentage but leaves the balance conversion or withdrawal rule unclear, the offer has not yet given you enough information to predict what your account balance will mean.

Welcome Bonuses, Free Spins and Slot Play

A 400% welcome offer can combine several incentives, but the percentage does not describe every part of the promotion. The deposit match and the free spins are separate reward components, even when they appear under one welcome-bonus heading. You need to identify which part is linked to your deposit and which part is linked to a particular slot or group of slots.

A first-deposit promotion for slots generally starts with the qualifying payment. The casino records the deposit, checks whether the account meets the promotion’s eligibility rules, and then applies the advertised welcome benefit. The 400% element is the deposit-related credit. Free spins, if included, are an additional reward whose value is determined by the stated number of spins, eligible games, and the way winnings from those spins are handled.

That distinction matters because a cash deposit match and free spins behave differently in your balance. A matched amount is credited as bonus funds alongside the money you deposited. It may appear immediately, but its presence does not change the fact that it is promotional credit rather than an unrestricted withdrawal balance. Your original deposit remains the real-money part of the account, while the matched amount is recorded separately or identified through the casino’s balance display.

Free spins do not increase the deposit in the same way. They give you spins on specified slot games, and the result is determined by those spins. The casino may credit the winnings to a bonus balance rather than to withdrawable cash. Therefore, seeing a cash value after using free spins does not by itself prove that the amount can be withdrawn. The relevant rule is the treatment of the winnings, not the visual appearance of the balance.

How free spins fit into a welcome offer

A promotion described as a 400% free-spins welcome offer may use the percentage as the main deposit match while presenting spins as an attached extra. It should not be read as though the casino is giving you free spins worth 400% of your deposit unless the offer expressly says so. The percentage and the spins describe different reward mechanisms.

Before claiming, check four connections between the incentives:

• whether the spins are granted after the first qualifying deposit or after a separate opt-in;
• whether they can be used on every slot or only on named eligible games;
• whether the stake for each spin is fixed by the promotion;
• whether winnings from the spins enter the real-money balance or remain promotional funds.

These points determine how slot play interacts with the welcome package. A deposit may activate both the matched credit and the free spins, but the two rewards can still have different expiry rules, game restrictions, and withdrawal treatment. If the casino displays one combined promotional message, open the full terms before depositing rather than assuming that one condition applies to every component.

Comparing the two incentives

A cashback bonus is a different type of incentive and should not be confused with either reward. It relates to losses or betting activity under the relevant promotion, whereas a first-deposit offer is triggered by the deposit event. Cashback offers are less likely to carry wagering requirements than first-deposit bonuses and free spins, but that does not make every cashback balance withdrawable. Bonus-credit cashback is still promotional money and requires playthrough before it becomes withdrawable.

Some cashback arrangements are described as daily or weekly and are paid after the operator calculates the player’s net result for the period; a specialist review presents such payments as subject to a cap. A weekend cashback offer may also require opt-in and reset each week, according to that same type of source. These features do not turn cashback into a free-spins benefit, and they do not alter the way a 400% welcome package handles its deposit match.

For a UK player considering a slots welcome promotion, the practical test is simple: separate the deposit, the matched credit, the spins, and any resulting winnings in your reading of the offer. Treat each as its own balance event. That approach prevents a 400% welcome bonus casino promotion from being mistaken for unrestricted real money or for a free-spins package whose winnings are automatically cashable.

Wagering Requirements on 400% Bonuses and Free Spins

A 400% casino bonus is not automatically withdrawable cash. If the offer credits bonus funds, the casino can require you to wager those funds a specified number of times before the balance, or winnings linked to it, becomes available for withdrawal. The exact calculation must be read from the promotion’s terms rather than inferred from the headline percentage.

How wagering applies to bonus funds

The key distinction is between the amount credited as bonus funds and money credited as real cash. A 400% deposit bonus can create a promotional balance that remains restricted until its playthrough condition is completed. Until then, a withdrawal request may be rejected, or the promotional balance may be removed when you attempt to withdraw.

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The terms should state what forms the wagering base. It may be the bonus funds, the qualifying deposit, or another amount defined by the operator. That distinction changes the amount of play required, so a percentage alone does not explain the offer’s cost or difficulty.

A bonus can also carry additional limits on eligible games or stakes. These conditions matter because play that does not qualify will not reduce the outstanding wagering obligation. You should therefore check the calculation method, eligible games, and any restrictions before treating the credited balance as available money.

Free spins can follow different rules

Free spins attached to a 400% casino bonus are not necessarily treated like the cash portion of the promotion. The spins may produce winnings that are credited as bonus funds, with a separate wagering condition before withdrawal. The relevant rule may apply to the winnings generated by the spins rather than to the spins themselves.

This is why the phrase “400% free spins casino bonus with no wagering” needs careful examination. No wagering on the spins does not necessarily mean that the resulting winnings are withdrawable immediately. The terms must distinguish between the free spins, their winnings, and any further playthrough attached to those winnings.

Cashback provides a useful comparison. Cash cashback is credited as withdrawable money without wagering requirements. Bonus-credit cashback is different: it is credited as bonus funds and must be played through a set number of times before any of it becomes withdrawable. First-deposit bonuses and free spins are less likely to be free of wagering conditions than cash cashback.

A UK warning on high playthrough

A profile industry review presents wagering above 10x at UK casinos as a warning sign because of the current cap. Treat that as a caution when assessing a 400% deposit bonus wagering requirement in the UK, not as evidence that every offer above that level is automatically unlawful or unavailable.

The practical test is simple: identify the wagering base, determine which balance is restricted, and confirm when the condition is considered complete. If the promotion does not explain those points clearly before you opt in, the advertised 400% figure does not tell you enough to judge the offer.

Can You Get 400% Free Spins Without a Deposit?

A 400% free-spins offer without a deposit is not the same product as a 400% first-deposit bonus. The first is a promotion that does not require an initial payment to trigger the reward. The second calculates bonus credit from a qualifying deposit. If the advertised offer is tied to a deposit, free spins cannot be treated as a no-deposit benefit simply because the reward is delivered in spins rather than cash.

The percentage also needs careful interpretation. A 400% figure describes how the promotional amount is calculated within the offer structure. It does not, by itself, confirm that you can claim the reward without paying in, nor does it state that winnings from the spins are immediately withdrawable. Those points depend on the promotion’s own conditions.

What “no deposit” should mean

A genuine no-deposit promotion should allow you to receive the stated reward without making a qualifying deposit first. That does not make every resulting win real cash. The casino may credit free spins or winnings to a bonus balance, with a playthrough condition before withdrawal is permitted.

This is the important distinction:

• No deposit describes how the promotion is activated.
• Free spins describes the form of the reward.
• Withdrawable cash describes the status of the resulting funds.
• Wagering requirements determine whether the credited amount can be withdrawn.

The presence of free spins answers only the second point. It does not answer the third or fourth.

How cashback comparisons can mislead

Cashback uses a separate mechanism and should not be used as proof that a free-spins offer is cashable. Cash cashback is credited as withdrawable money without wagering requirements. Bonus-credit cashback is different: it is placed in bonus funds and must be played through before any of it becomes withdrawable.

A profile review may describe instant cashback as being credited while the player plays, without a waiting or qualifying period. That statement concerns the timing of a cashback payment, not the treatment of no-deposit free spins. A spin reward can be issued immediately and still produce funds subject to playthrough.

Before claiming, check whether the offer says that the spins are no-deposit, whether a deposit is needed to release winnings, and whether the winnings enter a real-money or bonus balance. Also check any expiry, game, or withdrawal condition shown in the promotion. If the terms do not clearly state how the reward becomes withdrawable, the headline percentage is not enough to establish its cash value.

Using a 400% Casino Bonus for Real-Money Play

A 400% promotion can display a balance that looks like cash without making every pound immediately withdrawable. The important distinction is between your deposited real money and the promotional credit added by the offer. They may appear together in the account, but they do not necessarily have the same withdrawal status.

What counts as real money?

Your deposited funds are the starting point for real-money play. If the promotion uses a non-sticky structure, the account keeps this balance separate from the bonus credit. That separation matters: eligible winnings generated from real-money funds may remain available for withdrawal even while the promotional balance has not completed its playthrough.

This does not mean every amount shown in the account is withdrawable. The status depends on how the casino labels each balance and how the promotion handles bets made while both balances are present. Read the balance display and the bonus rules together rather than treating the total figure as cash.

When can promotional credit be withdrawn?

Bonus credit normally remains promotional funds until the stated playthrough conditions are cleared. Until that point, a withdrawal request may remove the bonus or cancel associated winnings, depending on the offer terms. The credit therefore supports play, but it should not be treated as unrestricted real money simply because it has been added to your balance.

Cash cashback is different. It is credited as withdrawable money without wagering requirements. That is a separate treatment from bonus-credit funds attached to a promotional offer.

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For a UK player considering a 400% casino bonus for real-money play, check whether the offer is sticky or non-sticky, identify which balance funds each bet, and confirm the withdrawal status before depositing. A non-sticky arrangement can preserve access to real-money winnings before bonus playthrough is cleared; promotional credit itself remains subject to its stated conditions.

How a 400% Casino Deposit Match Is Calculated

A 400% casino deposit match is calculated from the qualifying deposit, not from your casino losses or the number of bets placed. The percentage describes the relationship between your deposit and the promotional credit. If the offer accepts your deposit for matching, the bonus balance is linked to that deposit under the promotion’s stated rules.

The calculation follows this structure:

Qualifying deposit × 400% = promotional bonus credit

The deposit remains the amount you put into the casino. The 400% figure applies to the separate bonus credit, so it should not be read as a promise that the entire combined balance is immediately withdrawable. The credited amount may still be promotional funds subject to conditions before withdrawal.

Check how the operator defines a qualifying deposit. A deposit-match offer may specify which payment method, account status, or promotion entry is required, but only conditions displayed before you opt in should determine whether the credit is available. The terms should also identify how the bonus is recorded and when any credited funds can leave the bonus balance.

This model differs from cashback. A deposit match is triggered by an eligible deposit. Cashback is calculated from activity under its own formula: it may be based on net losses or on every bet, depending on the offer. Net-loss cashback therefore depends on the result of a defined period, while a deposit match begins with the amount deposited.

Do not compare the two by percentage alone. A 400% match tells you how the promotional credit is calculated; it does not describe the final value of the offer or remove its promotional conditions. Before depositing, confirm the qualifying deposit definition, the treatment of the resulting credit, and the withdrawal conditions shown in the offer terms.

400% Free Spins With No Wagering: What to Verify

A “no-wagering” claim can describe a genuine cash benefit, or it can be used loosely for free spins whose winnings remain promotional funds. The distinction matters. Before treating a 400% free-spins offer as withdrawable, identify what is actually credited after the spins are used.

Cash credit versus bonus credit

Cash cashback is credited as withdrawable money without wagering requirements. If an offer explicitly provides this form of credit, the balance is not subject to a playthrough condition before withdrawal.

Bonus-credit cashback works differently. It is added as bonus funds, and you must play it through the stated number of times before any of that credit becomes withdrawable. A promotion may therefore advertise free spins or a large percentage while still leaving the resulting balance restricted.

The key test is not the headline percentage. It is the wording applied to the funds generated by the spins:

• Withdrawable cash: the credited amount can be withdrawn without wagering.
• Bonus funds: the credited amount remains subject to the stated playthrough.
• Unclear wording: the offer should not be treated as no-wagering until the operator explains the balance treatment.

Free spins themselves do not prove that the reward is cash. Nor does the phrase “no wagering” automatically explain whether it applies to the spins, their winnings, or the wider 400% promotion. You need to establish which part of the offer is covered.

For a UK player, read the promotional wording before opting in and look for a direct statement about withdrawal. If the terms describe the reward as bonus funds, a no-wagering interpretation is unsupported unless the same terms clearly remove the playthrough condition. If they describe real cash cashback as withdrawable without wagering, that is a materially different structure from bonus-credit cashback.

The safest comparison is therefore between the balance type and its withdrawal condition, not between advertised percentages. A 400% offer can appear generous while producing funds that remain locked; a smaller cash credit can be immediately withdrawable when its terms explicitly say so.

400% Casino Bonus Terms and Conditions: The Clauses That Matter

Before opting in to a 400% casino promotion, read the terms as an operating specification rather than as advertising copy. The headline percentage tells you how the offer is presented; the conditions define how the credited funds behave.

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Check these clauses first:

• Activation: confirm whether the promotion is applied automatically or whether you must opt in before making the qualifying deposit or starting play. An automatic credit and an opt-in offer can follow different eligibility rules.
• Bonus balance: establish whether the 400% credit is recorded as bonus funds rather than withdrawable cash. A balance displayed in your account is not necessarily money you can transfer out.
• Wagering requirement: find the exact playthrough condition attached to bonus funds. Bonus cashback is credited as bonus funds with a wagering requirement, meaning you must play it through the stated number of times before any part becomes withdrawable. If the terms do not state the calculation base clearly, do not assume that the deposit and bonus are treated identically.
• Withdrawal point: identify the event that changes the status of the funds from promotional credit to withdrawable balance. The wording should explain whether only winnings become eligible, whether the bonus itself can be withdrawn, and what happens if you request a withdrawal early.
• Offer scope: confirm that the promotion applies to casino play, not to a different gambling product. The credited funds, eligible activity and withdrawal rules should be described in the same set of terms.
• Visible conditions: material terms must be shown before you opt in. Do not rely on a banner, account label or promotional percentage if the linked conditions omit the treatment of credited funds.

If a rule is missing, ambiguous or presented only after activation, pause before depositing. The decisive information is not the size of the advertised bonus but the contractual status of the funds after they enter your account.

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