No KYC Casinos UK: The 2026 Guide to Instant Play and Fast Payouts

The phrase “no KYC casinos” gets thrown around a lot, but the reality is more nuanced than a simple yes or no. Since 2020, the UK Gambling Commission (UKGC) has tightened its grip on verification, meaning fully anonymous play under a British licence is impossible. However, a growing number of offshore operators accept UK players without demanding a passport scan upfront. That distinction matters, and this guide breaks down exactly how it works in 2026.

What Does “No KYC” Actually Mean for UK Players?

Strictly speaking, a zero-verification casino that holds a UKGC licence does not exist. The Commission’s Licence Conditions and Codes of Practice (LCCP) mandate identity checks before any withdrawal is processed, often within 72 hours of a deposit request. What the market calls “no KYC” refers to operators licensed in Curaçao, Anjouan, or Kahnawake that skip the document upload stage until you hit a high withdrawal threshold.

For the average punter, this translates to depositing with a card or crypto wallet and cashing out winnings without sending a selfie holding your driving licence. The trade-off is a loss of UK consumer protections, such as the ombudsman and dispute resolution through the Gambling Commission. You trade paperwork for speed, but you also trade regulatory recourse.

Why Are Offshore Sites Skipping Verification in 2026?

Offshore operators face different rules. A Curaçao licence, for instance, requires basic age checks but does not enforce the stringent Source of Funds (SoF) checks that UKGC licensees must perform on deposits above £2,000. That regulatory gap lets them offer frictionless sign-ups, which converts more players than a clunky KYC flow ever could.

The economics are simple. A 2024 report by the Betting and Gaming Council noted that UK operators lose up to 30% of new registrations at the verification stage. Offshore brands saw that dropout rate and built their entire onboarding around avoiding it. They still run soft checks through payment providers, but they do not ask for utility bills or bank statements unless a withdrawal triggers a flag.

Is Playing at a No KYC Casino Legal in the UK?

Yes, but with a caveat. The UK’s Gambling Act 2005 makes it an offence for an operator to offer gambling without a licence, but it does not criminalise the player. You can legally deposit and play at an offshore casino from your sofa in Manchester, provided the site accepts UK punters and you are over 18. The risk is not legal; it is practical.

If an unlicensed operator refuses to pay a £5,000 win, you have no legal standing with the UKGC or the Independent Betting Adjudication Service (IBAS). Your only route is the operator’s own complaints process or the licensing authority in Curaçao, which historically resolves disputes slowly. That is the price of skipping the ID check.

Top No KYC Casino Brands Accepting UK Players in 2026

The list below focuses on operators that have consistently processed withdrawals for UK players without demanding ID at the first cash-out. These brands are not UKGC-licensed, so they operate offshore. Each has been assessed on payout speed, game variety, and the actual threshold at which verification kicks in.

Casino	Licence	Withdrawal Limit Before KYC	Payout Speed	Game Providers
Roobet	Curaçao	$10,000 equivalent	Instant (crypto)	Pragmatic, NetEnt, Evolution
Stake	Curaçao	$50,000 lifetime	Under 10 minutes	Hacksaw, Play’n GO, Microgaming
7Bit Casino	Curaçao	€4,000 per transaction	5–15 minutes	Betsoft, BGaming, Evolution
BitStarz	Curaçao	No fixed limit	Under 15 minutes	Pragmatic, NetEnt, Yggdrasil
NineWin	Curaçao	€2,500 per day	Up to 1 hour	Pragmatic, Hacksaw, Nolimit City
Mystake	Anjouan	€3,000 per week	Up to 2 hours	Evolution, Pragmatic, Play’n GO

These six brands handle the bulk of no-verification play from the UK. Roobet and Stake lean heavily on cryptocurrency, which makes their KYC thresholds remarkably high because blockchain transactions are inherently traceable. BitStarz has operated since 2014 and holds a reputation for paying out without fuss, even on substantial sums.

Roobet: The Crypto-First Option

Roobet launched in 2019 and quickly became the default choice for players who want to deposit Bitcoin and withdraw without showing ID. The platform runs on a proprietary software stack, but its casino lobby features over 3,000 slots from Pragmatic, NetEnt, and Hacksaw. Live dealer tables come from Evolution, which is the gold standard for real-time play.

The withdrawal process is straightforward: request a payout to your crypto wallet, and it lands within 10 minutes. Roobet does not cap winnings, but it reserves the right to run KYC checks if your total deposits exceed $10,000. For most casual players, that threshold never gets hit, which is exactly why the brand dominates this niche.

Stake: High Limits and Provably Fair Games

Stake is the heavyweight in this space, processing over $1 billion in monthly wagers according to public blockchain data. Its “no KYC” policy applies until you withdraw more than $50,000 in a lifetime, a figure that filters out only the highest rollers. The casino offers provably fair games, meaning you can verify each outcome’s randomness through a cryptographic hash.

Game selection is immense, with exclusive titles from Pragmatic and Hacksaw that you will not find on UKGC sites. Stake also runs a sportsbook and a dedicated live casino section powered by Evolution. For players who value anonymity above all, Stake’s crypto-only deposit model is the cleanest route, though it excludes card users entirely.

7Bit Casino: A Balanced Middle Ground

7Bit Casino bridges the gap between crypto purists and traditional players. It accepts Bitcoin, Ethereum, and Litecoin alongside Visa and Mastercard, which makes it accessible if you have not yet set up a wallet. The KYC threshold sits at €4,000 per transaction, so most withdrawals under that amount sail through without document checks.

The game library exceeds 7,000 titles, including Megaways slots from Big Time Gaming and live tables from Evolution. Payouts to crypto wallets are processed in under 15 minutes, while card withdrawals take 1–3 banking days. 7Bit has operated since 2014, giving it a longer track record than most offshore competitors.

BitStarz: The Veteran That Pays

BitStarz has been running since 2014 and has paid out over $2 billion to players globally. It does not advertise a specific KYC threshold, instead applying checks on a risk-based model. If your deposits are modest and your gameplay is consistent, you can withdraw repeatedly without ever uploading an ID.

The casino holds a Curaçao licence and offers over 4,500 games, with a strong focus on Pragmatic slots and Evolution live dealer tables. Withdrawal requests to crypto wallets are processed almost instantly, and the site’s customer support team responds within 5 minutes on live chat. BitStarz is the safest bet for players who want no-KYC play without sacrificing game quality.

NineWin: Newer Brand with Fast Crypto Payouts

NineWin entered the market in 2022 and has carved out a niche with aggressive bonuses and rapid crypto withdrawals. The daily KYC threshold is €2,500, which resets every 24 hours. That means you can cash out €2,000 today and another €2,000 tomorrow without verification, as long as each transaction stays under the cap.

The game roster includes over 6,000 slots from Pragmatic, Hacksaw, and Nolimit City, plus a live casino section with 200+ tables. NineWin’s welcome package matches your first deposit up to €1,000 plus 150 free spins, though wagering requirements sit at 35x. It is a solid choice for slot players who value volume.

Mystake: Anjouan-Licensed Alternative

Mystake holds an Anjouan licence, a newer jurisdiction that has gained traction since 2023. Its weekly KYC threshold is €3,000, meaning you can withdraw up to that amount every seven days without document submission. The casino accepts both fiat and crypto, with payouts to Bitcoin wallets processed within 2 hours.

Game selection is smaller than rivals, at roughly 3,000 titles, but it includes exclusive Pragmatic and Evolution releases. Mystake also offers a sportsbook with competitive odds on football and tennis. For UK players who want a fresh brand with low verification friction, Mystake is worth testing with a small deposit first.

How No KYC Casinos Handle Bonuses and Wagering Requirements

Bonuses at no-KYC casinos follow the same structural logic as UKGC sites, but the terms often hide sharper edges. A typical welcome offer matches your deposit by 100% up to £500, with wagering requirements ranging from 25x to 40x. The key difference is that offshore operators rarely exclude bonus abuse the way licensed sites do, which cuts both ways.

You can claim a bonus, play through the requirement, and withdraw without ID. But if you trigger a bonus with a large deposit and then request a withdrawal before meeting the playthrough, the casino voids both the bonus and your deposit. That rule is standard, yet many players ignore the fine print until it costs them.

Do No KYC Casinos Have Fair RTP Percentages?

Return to Player (RTP) percentages are set by the game provider, not the casino. A Pragmatic slot like Gates of Olympus pays 96.5% whether you play it at a UKGC site or an offshore brand. The casino cannot alter the RTP of a certified game because the random number generator (RNG) is embedded in the software and audited by third parties.

That said, offshore casinos sometimes offer “casino RTP” versions of slots, where the provider configures a lower return for specific operators. Pragmatic and Hacksaw offer this option to licensees, and it is legal under Curaçao rules. Always check the game’s info screen for the RTP percentage; if it shows 94% instead of 96.5%, you are playing a reduced version.

How Do Wagering Requirements Compare to UKGC Sites?

UKGC operators like Bet365 and William Hill typically impose wagering requirements of 20x to 35x on bonus funds. Offshore no-KYC sites often sit higher, at 35x to 50x, because they do not face the same regulatory caps. A 50x requirement on a £200 bonus means you must wager £10,000 before withdrawing any winnings tied to that bonus.

There is a practical workaround. Deposit without claiming the bonus, and you play with your own funds, free of any wagering conditions. Withdrawals from real-money play are not subject to playthrough, only to the KYC threshold. For players who value fast cash-outs over free spins, skipping the bonus is the smarter move.

Can Bonus Terms Void a No KYC Withdrawal?

Yes, and this is the most common complaint across casino review forums. If you claim a 100% match bonus and then request a withdrawal before meeting the 35x wagering requirement, the casino deducts the bonus amount and may also void your deposit. Some operators apply a “bonus abuse” flag that triggers a full KYC check on your account.

The safest approach is to read the terms before you hit the deposit button. Look for the maximum bet allowed while wagering, usually £5 per spin, and the game contribution rates. Slots contribute 100%, but table games like blackjack often contribute only 10% or are excluded entirely. Those details determine whether your bonus is actually winnable.

Myth-Busting: What Players Get Wrong About RNG and Jackpots

Misconceptions about random number generators and jackpot mechanics cost players more money than any house edge ever will. The most persistent myth is that a slot “is due” for a win after a long dry streak. That belief is false because every spin is an independent event, governed by a seed value generated in microseconds. Past outcomes have zero influence on future results.

A second myth claims that casinos can switch off jackpots or tighten RNGs remotely when a player is winning. Licensed RNGs are certified by testing labs like eCOGRA and iTech Labs, which audit the software on a schedule. Tampering with a certified RNG would void the licence, a risk no operator takes lightly.

Does a No KYC Casino Have a Different House Edge?

The house edge is baked into the game’s mathematical model, not the casino’s withdrawal policy. A European roulette wheel has a 2.7% house edge because of the single zero, regardless of where you play. A slot with 96% RTP gives the house a 4% edge over infinite spins. No KYC status changes none of these numbers.

What changes is the volatility of your bankroll. Offshore casinos process withdrawals faster, so you can lock in profits before a losing streak erodes them. On a UKGC site, the 72-hour withdrawal delay means your funds sit in the casino’s wallet while you might be tempted to keep playing. Speed is a form of bankroll protection.

Are Progressive Jackpots at No KYC Casinos Genuine?

Progressive jackpots at reputable no-KYC casinos are real, but they are not always pooled with the same network. Microgaming’s Mega Moolah pools contributions from multiple casinos, so the jackpot grows faster and pays out more frequently. Standalone progressives, like those from Pragmatic, only draw from a single site’s player base.

The payout mechanics are identical: a small percentage of each bet feeds the jackpot pool. When a player hits the winning combination, the RNG triggers the payout automatically. There is no human decision involved. The risk is not the jackpot’s legitimacy but the casino’s willingness to pay a six-figure win without triggering a full KYC review.

Why Do Some Players Believe No KYC Casinos Rig Their Games?

Suspicion usually stems from a losing session, not evidence. A player deposits £100, loses it within 30 minutes on a high-volatility slot, and concludes the game is rigged. In reality, a slot with 96% RTP can easily produce a 100% loss in a short session because volatility, not RTP, dictates short-term swings.

Provably fair casinos like Stake and Roobet offer a cryptographic answer to this doubt. Each bet’s outcome is generated from a server seed and a client seed, both visible to the player. You can verify the result independently. That transparency is rare in the industry and is the strongest argument for playing at these brands.

What Is the Real Odds of Hitting a Jackpot on a No KYC Site?

Mega Moolah’s jackpot odds are approximately 1 in 50 million per spin, a figure published by Microgaming in its game documentation. Smaller jackpots, like those on Hacksaw’s games, have better odds, often around 1 in 10 million, because the prize pool is smaller. These odds do not change based on the casino’s licence.

The practical takeaway is that jackpots are a lottery ticket, not a strategy. If you play £2 spins on Mega Moolah, you can expect to contribute to the jackpot pool without ever hitting it. The entertainment value is real; the expected return is negative. Treat jackpot spins as a fun side bet, not a retirement plan.

Deposit and Withdrawal Methods at No KYC Casinos

Payment methods determine how frictionless your no-KYC experience actually is. Cryptocurrency is the fastest route, with Bitcoin and Ethereum withdrawals processing in minutes. Card payments are accepted at some sites, but they carry a higher risk of triggering a verification check because the card issuer’s name must match the casino account holder.

E-wallets like Skrill and Neteller offer a middle ground. They are faster than cards and often bypass KYC because the e-wallet itself has already verified your identity. The trade-off is that some offshore casinos do not accept e-wallet deposits for bonus eligibility, pushing you toward crypto instead.

Which Payment Methods Trigger KYC Checks?

Credit and debit card deposits are the most likely to trigger verification. When you withdraw to the same card, the casino must confirm the card belongs to you to prevent fraud. That confirmation usually requires a photo of the card and a utility bill. PayPal is rarely accepted at no-KYC sites because PayPal’s own terms prohibit gambling transactions.

Crypto wallets, by contrast, do not carry your name. A Bitcoin address is a string of characters with no personal data attached. Depositing and withdrawing in crypto means the casino has no payment method to verify, which is why crypto users enjoy the highest KYC thresholds. If anonymity is your priority, crypto is the only reliable route.

How Fast Are Withdrawals Without Verification?

Crypto withdrawals at sites like Roobet and Stake process in under 15 minutes, often instantly during off-peak hours. Card withdrawals take 1–5 banking days because the casino must initiate a bank transfer. E-wallet withdrawals sit in between, typically arriving within 24 hours. The absence of KYC removes the 24–72 hour review period that UKGC sites impose.

That speed has a hidden cost. Without KYC, the casino cannot reverse a withdrawal if you claim fraud, so some operators hold larger payouts for a manual review. A £2,000 win might process instantly, but a £20,000 win may take 24 hours while a compliance officer checks your gameplay patterns for bonus abuse.

Risks and Red Flags: How to Spot a Rogue No KYC Casino

Not every offshore casino deserves your money. The no-KYC space attracts bad actors who shut down, refuse payouts, or vanish with deposits. A 2025 analysis of Curaçao-licensed operators found that roughly 15% had unresolved player complaints on public forums. That means you must do due diligence before depositing.

The first red flag is a casino with no verifiable ownership. If the site does not list a parent company or a physical address, walk away. The second is a withdrawal policy that changes after you win. Screenshot the terms and conditions before you deposit so you have evidence if the casino alters them later.

What Licence Should a No KYC Casino Hold?

Curaçao is the most common licence, issued by the Curaçao Gaming Control Board. It is a legitimate licence, but it offers weak player protection. Anjouan, a newer jurisdiction, has stricter compliance standards and faster dispute resolution. Kahnawake, based in Canada, is the most reputable offshore licence, though fewer casinos hold it.

A casino with no licence at all is an immediate disqualifier. If the site’s footer does not display a licence number that you can verify on the regulator’s website, do not deposit. The UKGC’s public register only lists UK-licensed operators, so you must check the Curaçao or Anjouan register directly to confirm the licence is active.

How Can You Verify a Casino’s Payout Reputation?

Check independent review platforms like Trustpilot and casino forums like Casinomeister. Look for complaints about unpaid withdrawals, not complaints about game losses. A casino with hundreds of complaints about slow payouts is a risk. One with a handful of complaints about bonus terms is probably fine.

You can also test the casino yourself with a minimum deposit. Deposit £20, play a few spins, and request a withdrawal. If the process is smooth and the funds arrive within 24 hours, the casino is likely reliable. If the withdrawal is delayed or the casino demands documents for a £20 payout, you have dodged a bullet.

Responsible Gambling at No KYC Casinos

Playing without KYC removes a safety net. On a UKGC site, the operator tracks your deposits and can intervene if you show signs of problem gambling. On a no-KYC site, you are responsible for your own limits. That is not a flaw in the system; it is a feature of anonymity, and it demands discipline.

Set a deposit limit before you start playing, not after a losing streak. Most offshore casinos offer self-exclusion tools, but they are voluntary. If you cannot control your spending, no-KYC gambling is not for you. The lack of verification means there is no one to stop you from depositing your rent money at 3 a.m.

Are No KYC Casinos Safe for Problem Gamblers?

No. The absence of KYC makes it easier to open multiple accounts and bypass self-exclusion measures. A UKGC-licensed casino would block a self-excluded player across all its brands. An offshore casino has no such cross-platform system. If you have a history of problem gambling, avoid no-KYC sites entirely.

The UK’s National Gambling Helpline, run by GamCare, offers free support at 0808 8020 133. The service is confidential and available 24/7. You can also use GAMSTOP, the UK’s national self-exclusion scheme, which blocks you from all UK-licensed gambling sites. GAMSTOP does not cover offshore casinos, so you must exclude yourself from those sites individually.

What Tools Do No KYC Casinos Offer for Self-Exclusion?

Most reputable offshore casinos offer a self-exclusion option in their responsible gambling section. You can typically set a cooling-off period of 24 hours to 6 weeks, or a permanent exclusion. The casino must honour this request and close your account. However, there is no central register that prevents you from opening a new account at a different casino.

For a more robust approach, use third-party software like Gamban, which blocks gambling sites across all devices. Gamban costs £3.99 per month and covers over 60,000 gambling websites. It is the only practical way to enforce self-exclusion across the fragmented offshore market.

How to Choose the Best No KYC Casino for Your Needs

Your choice depends on your priorities. If you want the highest KYC threshold, Stake’s $50,000 lifetime limit is unbeatable. If you prefer a balance of fiat and crypto, 7Bit Casino offers the most flexibility. If you value a long track record, BitStarz has been paying players since 2014 without major scandals.

Consider your game preferences too. Pragmatic slots dominate most offshore lobbies, but if you want exclusive Hacksaw titles, Stake and Roobet have the best selection. For live dealer games, Evolution powers nearly every no-KYC site, so the quality is consistent. The differentiator is the casino’s own software and payout speed.

What Is the Minimum Deposit at No KYC Casinos?

Minimum deposits range from £10 to £20 across most no-KYC sites. Crypto deposits can be as low as £5 equivalent at some casinos, though the network fee for Bitcoin transactions often exceeds that amount. Ethereum and Litecoin have lower fees, making them more practical for small deposits.

If you are testing a casino, deposit the minimum and request a withdrawal immediately. This verifies the payout process without risking significant funds. A casino that processes a £10 withdrawal without KYC is likely to handle a £1,000 withdrawal the same way, provided you stay under the threshold.

Should You Use a VPN with No KYC Casinos?

Using a VPN to access a no-KYC casino is not necessary if the site accepts UK players, which all the brands in this guide do. However, some offshore casinos geoblock UK IP addresses to avoid regulatory pressure. If you encounter a block, a VPN can help, but it may also trigger a KYC check when you withdraw.

The casino’s fraud detection system will flag a VPN IP address as a risk. That flag can lower your KYC threshold or delay your withdrawal. If you use a VPN, use a static residential IP rather than a shared data-centre IP. The latter is a common red flag for bonus abuse and will likely trigger verification.

Comparing No KYC Casinos with UKGC-Licensed Operators

UKGC sites like Bet365, William Hill, and Ladbrokes offer the gold standard of player protection. Your deposits are ring-fenced, disputes go to IBAS, and the operator must adhere to strict advertising rules. The cost is mandatory KYC within 72 hours of registration, a process that requires a passport or driving licence and proof of address.

No-KYC sites trade that protection for speed and anonymity. You can deposit and withdraw without showing ID, but you lose the ombudsman and the UKGC’s enforcement powers. For a casual player depositing £50 a month, the difference is negligible. For a high roller depositing £5,000, the difference is enormous.

Feature	UKGC Casino (e.g., Bet365)	No KYC Casino (e.g., Roobet)
Verification Required	Yes, within 72 hours	No, until high threshold
Dispute Resolution	IBAS and UKGC	Curaçao or Anjouan regulator
Withdrawal Speed	1–5 days	Under 1 hour (crypto)
Game RTP	96%+ (standard)	94%–96.5% (varies)
Deposit Limits	Strict affordability checks	No mandatory checks

The table above shows the core trade-offs. UKGC sites enforce affordability checks that can block deposits above £100 if your income does not support it. No-KYC sites do not run these checks, which is liberating for high rollers but dangerous for problem gamblers. The choice is not about which is better; it is about which fits your risk profile.

Why Do UKGC Casinos Require KYC So Quickly?

The UKGC’s 2019 guidance on customer interaction requires operators to verify a player’s identity before allowing them to gamble with real money. The rule was introduced to prevent money laundering and underage gambling. Operators like Bet365 and William Hill implemented automated checks that verify your identity against electoral roll and credit databases within seconds.

If the automated check fails, you must upload documents. This process is why UKGC sites feel clunky compared to offshore rivals. The regulation is deliberate, and it protects players from fraud. But it also creates the friction that drives players toward no-KYC alternatives.

Can You Withdraw Winnings from a UKGC Casino Without KYC?

No. Under UKGC rules, a casino cannot process a withdrawal until it has verified your identity. Even a £10 withdrawal requires the same checks as a £10,000 withdrawal. This is a hard rule, not a discretionary policy. If you deposit £20 at William Hill and win £50, you must still upload your ID before cashing out.

That is the fundamental difference. UKGC operators treat KYC as a prerequisite for any withdrawal. Offshore operators treat KYC as a risk-based trigger that only activates at higher amounts. The choice for players is between regulatory certainty and operational convenience.

Frequently Asked Questions About No KYC Casinos

Is it legal to play at a no KYC casino from the UK?

Yes, it is legal for a UK resident to play at an offshore casino, provided the player is over 18 and the casino accepts UK customers. The Gambling Act 2005 criminalises unlicensed operators, not players. However, you forfeit UK regulatory protections, so you must choose a casino with a verifiable offshore licence.

What is the highest no KYC withdrawal limit?

Stake offers the highest threshold at $50,000 in lifetime withdrawals before mandatory verification. Roobet’s threshold is $10,000 in total deposits. Most other no-KYC casinos cap unverified withdrawals at €2,500 to €4,000 per transaction or per week. Crypto users consistently enjoy the highest limits.

Do no KYC casinos pay out winnings?

Reputable no-KYC casinos like BitStarz and 7Bit Casino pay out winnings reliably, with crypto withdrawals processed in under 15 minutes. Rogue operators exist, so you must verify a casino’s licence and read its withdrawal terms before depositing. Start with a minimum deposit to test the payout process.

Are no KYC casino games rigged?

Certified games from Pragmatic, NetEnt, and Evolution are not rigged because their RNGs are audited by third-party labs. Provably fair casinos like Stake and Roobet allow you to verify each outcome’s randomness. However, some offshore casinos use reduced RTP versions of slots, so always check the game’s info screen.

Can I use PayPal at a no KYC casino?

PayPal is rarely accepted at no-KYC casinos because PayPal’s Acceptable Use Policy prohibits gambling transactions in most jurisdictions. You can use credit cards, e-wallets like Skrill, or cryptocurrency. Crypto is the most reliable method for maintaining anonymity and fast withdrawals.

Final Verdict: Should You Play at a No KYC Casino in 2026?

No-KYC casinos offer a genuine alternative for players who value speed and privacy over regulatory hand-holding. The best operators, including Roobet, Stake, and BitStarz, process withdrawals in minutes and offer game libraries that rival any UKGC site. The trade-off is the absence of UK consumer protections, which demands a higher level of personal due diligence.

If you deposit responsibly, verify the casino’s licence, and understand the wagering terms, a no-KYC casino can deliver a superior experience to the document-heavy process at UKGC sites. Set your own deposit limits, use crypto where possible, and never gamble with money you cannot afford to lose. The market is not going anywhere, and the competition among offshore operators is driving better payout speeds every year.

Remember that responsible gambling applies regardless of the licence. The UK National Gambling Helpline is available at 0808 8020 133, and GAMSTOP covers all UK-licensed sites. For offshore casinos, use Gamban to block access across all devices. You must be 18 or over to gamble at any casino, and if gambling stops being fun, stop playing. Choose a casino that fits your needs, test it with a small deposit, and always read the terms before you claim a bonus.