Separate the playthrough rule from cash-out terms

Updated October 2026
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A no-wagering offer removes the need to meet a turnover condition, but other rules may still affect withdrawals.

UK pound banknotes and casino chips on a dark wood table, suggesting instant wager-free winnings.

What “No Wagering” Removes—and What It Leaves in Place

A wagering requirement, also called a playthrough requirement or rollover requirement, sets the amount of betting that must take place before earnings from an offer can be withdrawn. A no-wagering offer removes that step. It does not, by itself, turn every bonus balance into unrestricted cash.

The distinction matters because “no wagering” describes one term of an offer, not the whole withdrawal process. If the promotion genuinely has no playthrough requirement, winnings do not need to be bet again to satisfy a turnover condition. The casino’s other terms can still determine whether those winnings are eligible for withdrawal, which games count, and whether a maximum cash-out applies.

No playthrough is not no conditions

A casino site with no wagering requirements may still restrict which games can be played with bonus funds. It may also set a withdrawal cap, limiting the amount payable from the offer even when there is no requirement to keep betting. These are separate conditions: one concerns how much play is required; another concerns which activity qualifies or how much can ultimately be withdrawn.

A no-wagering bonus can still come with terms worth checking before you claim it. Use this list as a starting point and verify the offer details that matter to you.

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The terms need to be read as a set rather than reduced to a headline. “No wagering” answers a narrow question: must the bonus or its winnings be turned over through further bets before withdrawal? If the answer is no, that removes the playthrough requirement. It does not answer whether a particular game is eligible or whether the promotion limits the payable amount.

This is why the label alone cannot establish the final value of an offer. A bonus can have no rollover requirement and still be subject to restrictions that affect the route from bonus balance to cash. Conversely, the existence of another condition does not necessarily mean that a wagering requirement has been hidden; it may be a different term with a different effect.

Follow the balance from offer to withdrawal

The practical test is to trace what happens to the funds at each stage. First, identify whether the offer includes bonus funds and whether they are separate from deposited money. Then check whether any playthrough must be completed before winnings can be withdrawn. Finally, read the withdrawal terms for restrictions that remain after playthrough is removed.

That sequence prevents two common misreadings. The first is treating a bonus balance as cash simply because the offer has no wagering. The second is treating every restriction as a wagering requirement. A game-eligibility rule governs where the bonus can be used; a withdrawal cap governs the amount that may be paid. Neither is the same as a requirement to place bets before cashing out.

The wording should make the distinction clear. An offer described as having no wagering should not require the player to complete a turnover target before withdrawing winnings. But its terms may still specify eligible games and a cap on withdrawals. Those conditions affect the outcome, so they belong in the calculation of the offer’s value rather than being mistaken for playthrough.

What the claim does—and does not—promise

The phrase “online casino without wagering requirements” can sound broader than the underlying term. Read accurately, it means that the relevant offer has no required turnover before withdrawal. It does not promise that every game is eligible, that the entire balance is payable, or that the casino’s other terms cease to apply.

The same distinction applies when comparing new casino sites or established sites. A “no wagering” label is not enough to establish that two promotions work alike. The offer terms determine whether the claim applies to the whole bonus, to winnings from it, or to a particular part of the promotion. They also state any eligible-game restrictions or withdrawal cap. Without those details, the label gives only a partial account.

A genuinely no-wagering bonus removes the rollover requirement, allowing winnings to be withdrawn subject to the casino’s other terms. That is a useful benefit, but not a blank cheque. The relevant amount is not simply the balance shown on screen; it is the amount that remains payable after the offer’s stated conditions are applied.

For UK players, the operator’s status is also distinct from the promotion’s wording. A site’s use of “no wagering” does not establish whether it is authorised to serve the British market. Offer terms and regulatory status answer different questions, and neither should be inferred from the other.

The clean reading is therefore precise: no wagering means no playthrough, not no rules. The offer can remove the need to keep betting while leaving other withdrawal conditions intact. Checking those conditions is what separates a genuinely wager-free promotion from a headline that describes only one part of the deal.

Low Wagering Requirements: The Turnover Behind the Headline

A low playthrough requirement reduces the amount of qualifying betting needed before bonus-related winnings can be withdrawn. The multiplier is only half the calculation, though. The other half is the amount to which it applies: the bonus by itself, or the bonus together with the deposit. The same headline multiplier can therefore produce different turnover obligations.

For a bonus-only calculation, multiply the bonus amount by the stated requirement. A £100 bonus at 10x means £1,000 in qualifying bets before withdrawal. The £100 is the calculation base; the required turnover is not £100 plus a separate £1,000. The multiplier sets the required volume of eligible bets, not a cash payment owed to the casino.

A larger multiplier can produce a substantial total even when the bonus itself appears modest. A £40 bonus with a 30x requirement entails £1,200 in qualifying bets. That figure is the amount staked across qualifying play, not the amount that must be lost. The eventual balance depends on the results of those bets, so turnover and final withdrawable cash are separate measures.

What the multiplier is applied to

The terms need to identify the calculation base. If the requirement applies only to bonus funds, the deposit is not part of the amount multiplied. If it applies to the deposit and bonus together, both amounts form the base, so the qualifying turnover rises.

That distinction changes the practical value of an offer. A multiplier cannot be assessed in isolation: the same stated requirement can mean one total when calculated on the bonus and another when the deposit is included. Before accepting an offer, the relevant figures are the bonus amount, any deposit required to receive it, the multiplier and the wording that defines the base.

The arithmetic is straightforward once that base is clear:

The second method does not make the bonus larger. It makes the qualifying turnover target larger because more funds are included in the calculation. This is why two offers with matching multipliers should not be treated as equivalent without checking whether the deposit counts.

Turnover is not the same as cost

Qualifying turnover measures the total value of bets that count towards completing the requirement. It does not state how much money will remain after play. A player can place the required volume of bets and finish with more or less than the starting balance; the multiplier alone cannot predict that outcome.

Nor does a low multiplier mean that the requirement is automatically easy to complete. The amount of qualifying betting still depends on the calculation base. A comparatively small bonus can carry a high total requirement if the multiplier is large, while a larger bonus can still require substantial turnover at a lower multiple. The total figure is the more useful comparison than the adjective used to describe the offer.

Calculating Turnover

  1. 1

    Identify the base

    Determine if the requirement applies only to the bonus or to the combined deposit and bonus.

  2. 2

    Apply the multiplier

    Multiply the identified base by the stated wagering requirement (e.g., 10x or 30x).

  3. 3

    Determine the target

    The resulting figure is the total volume of qualifying bets required before withdrawal is permitted.

The distinction also matters when an offer is presented as a low-wagering casino bonus. “Low” describes the requirement only in relation to the terms being compared; it does not remove the need to calculate the actual target. A clear offer should state the playthrough requirement in plain language and make the relevant base identifiable. If the terms leave it unclear whether the deposit is included, the headline multiple cannot settle the calculation.

A practical comparison

Consider the two bonus-only calculations above: the £100 bonus at 10x produces £1,000 of qualifying turnover, while the £40 bonus at 30x produces £1,200. The second bonus is smaller, but its total target is higher. Comparing the bonus amounts or multipliers separately would miss that result.

This is the useful test for low wagering offers: convert the multiplier into the total qualifying bets, using the correct base. Then compare that turnover with the amount of bonus funds being offered. A lower multiple may still produce a larger target if it applies to both the deposit and bonus, while a higher multiple on bonus funds alone may produce a different total. The calculation, rather than the headline, determines the work required before withdrawal.

A no-wagering online casino offer has no playthrough target of this kind; that is a different offer structure, not a low multiplier. Where a requirement exists, the relevant question is not whether the bonus is labelled low wagering, but how much qualifying turnover its terms demand. The multiplier supplies only part of the answer. The base supplies the rest.

Assessing No-Wagering Casino Offers Without a Ranking

A no-wagering casino offer is not valued by its headline alone. Removing the playthrough requirement removes one route by which winnings can be held back, but the practical value still depends on what the promotion permits and what happens when a withdrawal is requested. Two offers carrying the same “no wagering” label can therefore produce different outcomes.

The first distinction is between the absence of turnover and the amount that can ultimately leave the account. A bonus may have no rollover requirement while its winnings remain subject to a withdrawal cap. A specialist review reports caps from £20 to £100 in the offers it examined; that is a reported range, not a rule that applies to every casino or promotion. The cap is the relevant figure for estimating the maximum cash value, not the promotional balance displayed before withdrawal.

That difference can be material. If an offer produces winnings above its stated cap, the excess may not be payable under the promotion’s terms. The headline bonus cannot be treated as cash of equal value until the maximum withdrawal is clear. Where the cap is absent, vague or difficult to reconcile with the offer summary, the final payable amount cannot be calculated from the headline alone.

Eligible games are another part of the calculation. A no-wagering term does not necessarily mean every game or every stake qualifies for the promotion. The offer’s terms may identify eligible games, and a game that is not included may not produce winnings covered by the offer. The useful comparison is not simply whether a casino has slots, table games or other products; it is whether the particular promotion can be used on the games it names and whether those games fit the intended use.

Game weighting matters where wagering does apply, or where a promotion’s rules set qualifying turnover. A specialist review notes that weighting can reduce the amount a game contributes toward turnover. In practical terms, a bet placed on a game with reduced weighting may count for less than its stake when the casino measures progress. A displayed stake is therefore not always the same as qualifying turnover. The terms should state which games count and how their contribution is calculated; without that detail, a turnover figure can overstate how quickly a player will meet a requirement.

For a genuinely no-wagering offer, game weighting is not a playthrough hurdle to clear. It may still matter to the offer’s eligible-game rules, but it should not be confused with a rollover requirement. This distinction prevents two different questions from being collapsed into one: whether winnings must be played through, and whether a particular game is allowed under the promotion.

The terms governing bonus funds also affect value. Promotional balance and deposited money should be treated as separate amounts, because an offer can define different conditions for each. The wording should make clear which balance is subject to the promotion and which winnings are eligible for withdrawal. A single account display may combine amounts without making their status obvious; the written terms, rather than the visual balance, determine the offer’s treatment.

A useful comparison records the offer’s cash-relevant conditions together: the eligible games, any qualifying-turnover rule, how game weighting is applied, and any limit on withdrawal. If a condition is stated in the promotion summary but differs in the detailed terms, that discrepancy needs resolving before the offer can be assigned a dependable value. The most favourable interpretation is not a calculation method.

This is why there is no defensible universal ranking of the best no-wagering casino bonuses based only on promotional labels. The same bonus amount may be worth less when a withdrawal cap is restrictive, while an offer with fewer headline extras may have clearer terms and a more usable payout structure. Ranking without comparing those conditions would sort packaging, not outcomes.

A sound assessment is consequently specific to the promotion, not merely the casino. “No wagering” identifies the missing playthrough condition; it does not settle eligibility, game contribution or the maximum payable amount. The terms that answer those questions determine the offer’s practical value.

Welcome Bonuses: Check the Deadline and the Withdrawal Terms

A welcome offer has two separate dates to consider: when the promotion can be claimed and how long its bonus conditions remain active. The key deadline is the one attached to completing any playthrough requirement. If qualifying wagering is unfinished when that period ends, the result is determined by the promotion’s terms; the bonus or related winnings should not be assumed to remain available.

A specialist review reports that bonus wagering requirements can have expiry periods, with the consequence of missing a deadline varying by promotion. That is a reason to read the specific offer, not a basis for assuming one expiry rule applies to every UK casino welcome bonus. The wording needs to say what happens when the time runs out. If it describes a deadline but does not make the outcome clear, the practical value of the offer remains uncertain.

Separate the offer period from the playthrough period

The period in which a welcome promotion can be claimed is not necessarily the same as the period for completing its conditions. Offer terms should make clear which date or event starts each clock. A claim window may close before the offer is activated; a playthrough period may begin only after a qualifying action. Those distinctions matter because a date without a clear starting point is difficult to use.

Do

  • Verify the exact event that starts the validity period
  • Check the specific consequences of missing a deadline

Don't

  • Assume the claim window is the same as the playthrough period
  • Rely on a "no wagering" label to determine an offer's expiry rules

The terms should also identify what must be completed before the deadline. Where a playthrough requirement applies, the offer should state the required activity and explain how progress is assessed. The deadline alone does not show whether the remaining condition is achievable. A no-wagering welcome offer has no playthrough to complete, but its terms may still specify a validity period or other conditions affecting withdrawal. “No wagering” does not settle what happens to an offer when its stated validity ends.

For a deposit-based welcome promotion, the bonus funds should be distinguished from the player’s deposit. The deadline and expiry outcome should be read in relation to each separately: terms that remove bonus funds after a missed deadline do not, by that fact alone, explain how the deposit is treated. The promotion needs to make the consequences intelligible rather than leaving the player to infer them from a general expiry clause.

Read the expiry clause before accepting

The useful questions are specific. What event starts the validity period? What must be completed before it ends? What happens to bonus funds if the requirement remains incomplete? Do winnings linked to those funds also become unavailable, or does another condition apply? The written terms should answer these points for that promotion.

A headline such as “welcome bonus with no wagering” is not a substitute for an expiry clause. It describes the absence of a playthrough requirement, not necessarily how long an offer remains valid or what happens when its validity ends. The same distinction applies to welcome offers involving spins: the promotion’s deadline and withdrawal terms still need to be checked, without assuming that a no-wagering label resolves them.

Where an offer gives a clear completion period and states the consequence of missing it, the financial exposure can be assessed before acceptance. Where the deadline is prominent but the consequence is buried or ambiguous, the offer’s apparent value cannot be treated as a final amount available for withdrawal. The calendar is part of the price; an unclear one is not a generous term.

Sign-Up and No-Deposit Bonuses: Separate the Bonus from Cash

A sign-up promotion can include bonus funds, free spins or both, but its label does not establish what can be withdrawn. The first distinction is accounting: money deposited by the customer is not the same as bonus funds credited under an offer. A balance that combines them on screen may still be divided into separate categories in the promotion terms.

That distinction matters when an offer is described as having no wagering. The phrase means there is no playthrough requirement to clear; it does not turn bonus funds into a cash deposit or remove every condition on a withdrawal. A no-wagering casino sign-up bonus may still limit eligible games or place a cap on the amount payable. The offer’s headline therefore answers only one question: whether qualifying bets are required before winnings can be withdrawn.

Entry conditions should be read separately from withdrawal conditions. The terms need to show what must happen for the promotion to be credited, which balance the offer applies to, and what counts as eligible play. Those points determine whether the offer is available and how it can be used. They do not, by themselves, establish that any resulting balance is immediately payable.

Sign-Up Bonuses

Promotional funds that may have no wagering but can still be subject to withdrawal caps or game limits.

No-Deposit Bonuses

Offers requiring no customer deposit, where the absence of playthrough does not remove other payout ceilings.

No-Wagering Free Spins

Promotional spins where winnings are immediately withdrawable if no rollover is attached.

The same distinction applies to a casino sign-up offer that includes no-wagering free spins. The spins are a promotional benefit, not cash added to the deposited balance. If they produce winnings, the offer terms determine whether those winnings are withdrawable and whether restrictions apply. “No wagering” should not be read as a promise that every amount displayed is available for instant withdrawal.

No-deposit offers make the separation especially important because no customer deposit is needed to receive the promotion. The bonus remains promotional funds, not a cash deposit merely because it appears in an account balance. A no-deposit casino bonus with no wagering can remove the playthrough hurdle while retaining other terms. In particular, eligible-game restrictions or a withdrawal cap may affect what can ultimately be paid.

A specialist review reports withdrawal caps in the £20–£100 range for some no-wagering winnings. That is a reported range, not a standard applying to every offer; the relevant figure, if any, must be stated in the specific terms. The practical distinction is between the amount shown as winnings and the amount the offer allows to be withdrawn.

For a UK casino no-deposit bonus advertised as no wagering, the useful reading order is therefore functional: identify what is being credited, separate it from deposited money, then check the withdrawal conditions attached to the promotion. A no-wagering instant-withdrawal claim is meaningful only if those terms also permit the balance to be paid without another condition blocking it. The absence of a playthrough requirement is one term, not a substitute for the rest.

The 2026 UK Wagering Cap and Its Limits

From 19 January 2026, the UK Gambling Commission’s cap limits promotional playthrough requirements to 10 times the relevant bonus amount. For a UK-licensed casino, a promotional offer cannot set a higher wagering multiple. The cap sets an upper boundary; it does not remove playthrough from every offer or make every bonus a no-wagering bonus.

That distinction matters when comparing promotions. A requirement below the cap still requires qualifying play before winnings can be withdrawn. A no-wagering offer, by contrast, has no playthrough requirement, although other terms may still govern withdrawal. The regulatory ceiling is therefore not a description of what an individual offer requires. The offer’s own terms determine whether playthrough applies and how it is calculated.

The cap concerns promotional wagering requirements, not every condition attached to a promotion. It does not, by itself, establish that winnings are unrestricted or that an offer has no other eligibility rules. Nor does it convert an offer with a positive playthrough requirement into a no-wagering casino bonus. The practical distinction remains the same: the cap controls how high a promotional requirement may be, while the terms state whether a requirement applies at all.

A separate rule addresses promotions that combine gambling products. Mixed-product bonuses have been banned outright since 19 December 2025. An incentive cannot be structured to bundle more than one gambling product into a single promotion. This is distinct from the wagering cap: one rule limits the permitted playthrough multiple, while the other prohibits a particular promotional structure. Neither should be mistaken for a general ban on casino bonuses.

For players assessing a casino bonus with no wagering, these rules provide a regulatory baseline rather than a guarantee about the offer’s value. The cap does not mean every promotion must carry the maximum requirement, and the mixed-product ban does not determine whether a particular bonus has withdrawal conditions. Those details still depend on the promotion’s stated terms.

The dates also matter when reading older promotional material. A requirement above the current cap is not permitted for a UK-licensed operator under the 2026 limit. A bonus that combines separate gambling products also falls under the prohibition that took effect in December 2025. The relevant distinction is not the label attached to the promotion, but whether its terms comply with the applicable cap and product rule.

Free Spins: The Wagering Applies to Winnings

A free-spin offer has a different calculation base from a cash bonus. Any playthrough requirement attached to the spins applies to the winnings they generate, not to the stated value of the spins themselves. The relevant amount is therefore the resulting win, rather than a notional total assigned to the spins before they are played.

That distinction changes what the headline means. A spin offer can carry a playthrough condition even though no cash bonus has been credited. If winnings are subject to a requirement, the amount generated by the spins must meet that condition before it can be withdrawn. The face value of the spins is not an additional turnover figure to add to the winnings.

At zero wagering, free-spin winnings are immediately withdrawable. In this case, there is no rollover attached to those winnings. The offer still needs to be read as a set of terms, but the central calculation is straightforward: where a requirement exists, it is applied to spin winnings; where it is zero, the winnings do not need further playthrough before withdrawal.

The game itself can also be a condition of the offer. A specialist casino review describes no-wagering free spins as restricted to a particular slot selected by the operator. That restriction matters because the offer is not necessarily a general balance that can be used across the casino’s games. The named slot, and any terms governing the spins, define where the promotional play takes place.

This makes free spins distinct from a cash-bonus offer. With a cash bonus, the terms may set a playthrough calculation against bonus funds, or against the deposit and bonus together. Free-spin terms instead begin with the winnings produced by the spins. Comparing the two offers by their headline value alone misses that difference: the useful comparison is what amount is subject to playthrough, which game the spins apply to, and whether any playthrough remains before the winnings can be withdrawn.

Wager-Free Bitcoin Offers: Verify the Terms, Not the Label

“Wager-free” describes a particular feature: the offer has no rollover requirement to clear before winnings can be withdrawn. It does not, by itself, establish that every condition on a withdrawal has been removed. The same distinction applies when an offer is presented as a Bitcoin casino bonus. The payment method and the promotion label do not explain the full set of terms.

The operative wording should say whether the bonus carries a playthrough requirement. If it does not, winnings are not held back to meet a turnover target. Withdrawal remains subject to the casino’s other terms, however. A claim of no wagering therefore answers one question, not every question about access to the balance.

Wager-Free Bitcoin Offers

Using Bitcoin as a payment method or labelling a bonus as "wager-free" does not guarantee unrestricted withdrawals. The actual promotion terms determine if a rollover exists and what other conditions apply to the balance.

The offer terms should be read for any separate conditions attached to claiming or withdrawing the bonus and its winnings. The key distinction is between a requirement to place bets before withdrawal and other restrictions that may still apply. If the wording uses “wager-free” without explaining what happens to winnings, the label is not a substitute for that explanation.

This matters particularly when the promotion is described as a wager-free Bitcoin casino offer. The currency named in the description does not prove that the bonus is genuinely free of rollover, nor does it show what withdrawal conditions apply. Those points depend on the actual promotion terms, not the headline.

A useful assessment records the offer’s rollover position separately from its remaining withdrawal conditions. Where the terms confirm no playthrough but impose another condition, the accurate description is “no wagering, subject to other terms”—not “unrestricted withdrawal”. Where the terms are unclear, the label alone cannot establish that winnings are ready to withdraw. That is a practical limit, not a technicality: removing one condition does not erase the rest of the contract.

No-Wagering Slots for Real Money: Turnover and Time

Real-money slot play and bonus clearing measure different things. With a no-wagering offer, there is no bonus playthrough to complete. When an offer has a playthrough requirement, however, qualifying slot stakes accumulate towards its target; the bonus balance is not simply available for withdrawal because it appears in the account.

The scale is clear in a £100 bonus example at 10x: the qualifying turnover is £1,000. At a £1 stake on each spin, that means 1,000 spins. The number describes the required slot activity, not a guaranteed route to a particular balance. Each stake counts towards turnover; it does not mean the amount staked will be returned.

A specialist review estimates that continuous play to clear this example would take one to two hours. That is an estimate of elapsed play, not a fixed time limit or a promise that the balance will survive the session. Actual progress depends on whether the chosen game qualifies and how its game weighting treats each stake. A reduced weighting means a stake may contribute less than its face value towards the target, so the required activity can exceed the simple spin count.

This distinction matters when comparing no-wagering slots for real-money play with slots used to clear an offer. In the first case, stakes are ordinary gambling activity. In the second, the same kind of spin may also be part of a turnover calculation, and the stated multiplier determines how much qualifying play is required. The headline bonus amount alone does not show that workload; the multiplier and the eligible-game terms do.

No-Deposit Bonuses: What a Withdrawal Cap Can Change

A no-deposit casino bonus may have no playthrough requirement, but that does not settle how much can be paid out. A withdrawal cap sets a separate ceiling on winnings eligible for withdrawal. The distinction is straightforward: no rollover can be due while a limit still applies to the final amount.

One specialist review reports no-wagering withdrawal caps ranging from £20 to £100. That range is an account of the terms described in that review, not a fixed rule for every offer. The relevant figure is the cap written into the promotion’s own conditions.

For a no-deposit offer, the cap can matter more than the absence of playthrough. If winnings exceed the stated ceiling, the excess may not be withdrawable under the offer. The displayed balance therefore cannot be treated as the amount payable until the cap and its wording have been checked.

Eligible-game restrictions can also apply, even where no playthrough is required. Those restrictions determine which play can qualify under the promotion; the cap determines the maximum amount that can be withdrawn. They are separate conditions, and satisfying one does not remove the other.

The final calculation is therefore not simply “winnings minus rollover”. It is the amount permitted by the offer’s withdrawal terms, subject to any applicable cap and game restrictions. A no-deposit bonus labelled no wagering removes one hurdle, not necessarily the ceiling on the payout.

How do wagering requirements work on free spin winnings at UK casinos?

They apply to the winnings from the spins, not to the value of the spins themselves. With no wagering, the winnings are immediately withdrawable, subject to the offer’s other terms; for example, a £20 win at 10x requires £200 in additional slot turnover.

What are wagering requirements and how do they work?

A wagering requirement is the amount of qualifying bets you must place before you can withdraw bonus-related winnings. The multiplier may apply to the bonus alone or to the deposit and bonus together: a £100 bonus at 10x requires £1,000 in qualifying bets.

What is a no wagering casino bonus?

It is a bonus that does not require you to meet a turnover target before withdrawing its winnings. Other conditions, such as eligible-game rules or a withdrawal cap, may still apply.

What should I check before claiming a no wagering offer?

Check whether the no-wagering term covers the whole bonus or only part of the promotion, which games are eligible, and whether a withdrawal cap applies. For UK players, check the operator’s status separately from the offer wording.

Can I withdraw no wagering bonus winnings immediately?

Yes, no-wagering winnings do not need further betting to meet a turnover requirement. Withdrawal may still be restricted by the offer’s other terms, including any cap or eligible-game conditions.

Which games can I play with no wagering free spins?

No-wagering free spins are usually limited to a specific slot selected by the operator, so check the offer terms for the eligible game.

Is a no wagering bonus better than a standard casino bonus?

It removes the need to meet a rollover target, which can make winnings easier to withdraw. But eligible-game restrictions and withdrawal caps may still apply, so compare those terms as well.

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