£5 Minimum Deposit Casinos in the UK: What to Check

The minimum is the amount needed in one accepted transaction, not a required spend for the whole session.

What a £5 Minimum Actually Gets You

A £5 minimum deposit is the cashier’s entry point, not a statement about how much you must spend during a session. If a casino displays “£5 minimum deposit”, it means the account must be funded with at least that amount in one accepted transaction before the balance can be credited. It does not mean that every casino in the UK uses the same threshold.

That distinction matters because the market has several deposit tiers. Some operators accept less than £5, while others require more. A £5 minimum therefore sits somewhere in the middle: it is lower than the threshold at a stricter casino, but it is not the smallest possible starting point.

I used to read a minimum deposit as if it were a recommendation. It is not. It is simply the smallest amount the operator has chosen to process under the conditions shown in its cashier.

£5 is not the absolute minimum

Some UK casinos accept deposits as low as £1. That makes a £5 minimum deposit casino different from the lowest-deposit operators, but not necessarily better or worse. The lower threshold may suit someone who wants to test the account with very little money. On the other hand, a £5 starting point may be perfectly acceptable if you already intend to put that amount into the account.

A specialist review reported six UKGC-licensed casinos accepting genuine £1 minimum deposits when checked. That is a time-sensitive snapshot rather than a permanent market ranking. The same review identified NetBet as the only UKGC-listed casino on its list showing a £1 cashier minimum. Cashier settings can change, so a page describing a £1 threshold should not be treated as a lasting guarantee.

The useful point is broader: searching for UK casinos with a £5 minimum deposit does not mean you are looking at the lowest available tier. It means you are looking for operators whose displayed entry point is £5, rather than those accepting only a higher amount or offering a lower threshold.

Choosing a Casino: UK Options and Key Factors

When the minimum is higher

A casino may set its cashier minimum above £5. In that case, trying to enter £5 will not complete the deposit. The cashier may reject the amount, prevent you from continuing, or show the permitted minimum before payment is confirmed. You should rely on the amount displayed in the live account cashier, not on an old comparison table or a headline that has not been updated.

That is where lists of the “best” £5 minimum deposit casinos can become misleading. A site may have once accepted £5 but later change its threshold. Another may show a £5 figure in general information while applying a different rule to a particular account or transaction route. The practical test is simple: log in, open the deposit screen, and check the amount shown before authorising anything.

I have made the mistake of treating a remembered figure as current. The cashier won that argument.

What the £5 threshold does — and does not — tell you

The minimum tells you the smallest permitted deposit under that operator’s displayed rules. It does not tell you that the casino will accept every amount above it, that the balance will be enough for the session you have in mind, or that the operator will process a withdrawal under identical conditions. Those are separate account rules and should not be assumed from the deposit figure alone.

It also does not turn £5 into a mandatory budget. If the operator accepts a £5 deposit, you still need to decide whether that amount fits your own financial limit before opening the cashier. UK-licensed operators must prompt new customers to set a financial limit before their first deposit, and account-level controls should be available. Use that step as a real boundary rather than clicking through it automatically.

Non-UKGC Licensed Casinos: What the Label Means

Age matters as well. UK players must be at least 18, and an operator must verify a customer’s age before allowing deposits into a gambling account. A low cashier minimum does not remove those checks.

So, when comparing £5 minimum deposit casinos in the UK, the figure answers one narrow question: how little the operator says it will accept at the point of deposit. A £1 casino belongs to a lower tier. A casino demanding more than £5 belongs to a higher one. The £5 label sits between them and is useful only if the live cashier confirms it.

That is the sensible way to read “£5 minimum deposit”: an access condition, not an endorsement, a spending target, or proof that the account will suit your plans.

A Small Deposit Doesn’t Mean Small Stakes

A £5 balance can look like a sensible test: enough to open a few games, not enough to feel like a serious commitment. That is fair, but the number on the cashier does not tell you how long the money will last. Your stake does.

I have made that mistake myself. I treated a small deposit as if it automatically meant a small session, then chose a game and stake without doing the simple balance check first. The result was predictable. The deposit was small; the spending rate was not.

Work backwards from the stake

Many online slots accept bets between £0.10 and £0.20 per spin. At the lower end, £5 covers 50 spins if every spin is paid from the original balance. At £0.20, the same balance covers 25 spins. That is only a clean illustration: wins, losses, bonus features and changing stake settings alter what happens in practice.

The useful point is that a £5 minimum deposit does not force you to play at £0.10 or £0.20. It simply puts that amount into your account. The game still determines the available stake settings, and you decide which one to use. A slot with a low selectable stake gives the balance more room to breathe than a game where you immediately choose a larger amount.

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Before depositing, I would open the game information and look at the stake controls. Do not assume that a casino accepting a £5 deposit offers every slot at the same low level. “Low deposit” describes the amount entering the account, not the cost of each spin.

A quick calculation is more useful than a badge saying “best”. Divide £5 by the selected stake and you get the number of starting spins before any return is taken into account. If that number feels too small for the session you had in mind, the problem is not the casino’s label. The balance is simply not suitable for that plan.

A win does not create a larger budget

A return during play can make the balance rise, but it is still part of the same gambling session. I used to mentally separate the original deposit from a win, as though the latter was somehow free to spend. That made it very easy to increase the stake after a lucky result.

A better approach is to set the amount you are prepared to lose before the first deposit and keep that figure as the boundary. The UK Gambling Commission requires new customers to be prompted to set a financial limit before making their first deposit, and licensed operators must provide account-level controls for those limits. Use them rather than relying on how disciplined you expect to feel once the reels start turning.

With a £5 starting balance, a sensible session plan might be to keep the stake unchanged rather than chasing a short run of losses. If the balance falls, raising the stake does not repair the earlier spins; it makes the remaining balance disappear faster. If the balance rises, withdrawing or stopping can be more meaningful than treating the increase as permission to continue.

That sounds obvious when written down. It is less obvious mid-session.

Do

• Check the live cashier for the current minimum
• Calculate how many spins your balance allows
• Set a personal financial limit before depositing

Don’t

• Treat a remembered deposit figure as current
• Assume a £5 deposit automatically triggers a bonus
• Increase your stake to chase losses

Check whether the balance can be withdrawn

The other practical limit is cash-out. A casino may let you deposit £5 and play with it, while applying a higher minimum before a withdrawal can be requested. A specialist review cited minimum withdrawal thresholds of £10 to £20 at many UK casinos, but that is a changing operator condition rather than a fixed market rule. Read the cashier and withdrawal terms for the specific account.

This matters even if you win. A balance below the stated withdrawal threshold may have to remain in the account until it reaches that level, or you may need to continue playing before a request becomes available. That creates a different decision from the original one: you are no longer asking whether £5 is enough to try a slot, but whether the resulting balance can be cashed out on the operator’s terms.

Do not confuse a playable balance with a withdrawable balance. Those are separate questions. The cashier may accept the deposit, the game may accept the stake, and the withdrawal page may still apply its own condition.

Judge the session, not the label

For someone wanting a brief, low-cost try, £5 can be enough when the chosen stake is genuinely low and the player accepts that the balance may disappear. It is less suitable if you expect a long session, plan to raise stakes, or want a small win to be immediately withdrawable.

That is also why I am wary of phrases such as “trusted £5 minimum deposit casino” or “best £5 casino”. A site can be legitimate and still offer games whose stakes do not suit a £5 balance. A “casino bonus minimum deposit £5” label does not change the cost of play either; the deposit, the stake and the withdrawal condition each need checking separately.

Look at three things before you start:

• the stake available on the slot you actually want to play;
• the amount you have set as your personal financial limit;
• the withdrawal condition attached to the account.

If those three fit together, the £5 deposit is at least an honest test of the service and the game. If they do not, a low cashier minimum is just a small door into a session that may cost more than you intended.

The 2026 Bonus Rules Change the Calculation

A £5 minimum deposit casino in the UK may let you fund an account with £5 without promising that the payment will unlock its welcome offer. That distinction caught me out before. The cashier accepted the deposit, the balance appeared, and I assumed the promotion would follow. It did not.

A deposit minimum and a bonus qualifying deposit are separate conditions. The first tells you how little you can put into the account. The second tells you what you must pay in to receive promotional funds, free spins or another welcome reward. A casino advertising a £5 minimum deposit may still set a £10 qualifying deposit for its welcome offer. Your £5 is accepted as cash, but it does not activate the bonus.

That is not just a technical possibility. A specialist review has reported that some UK casinos leave the lowest deposit bracket outside their welcome promotions. The same type of review has described welcome offers with qualifying deposits between £5 and £10. Treat those figures as terms for a particular offer, not as a promise attached to every £5 minimum deposit casino.

Read the qualifying-deposit line

The important wording is often buried under the large promotional headline. Look for phrases such as:

• minimum qualifying deposit;
• eligible deposit;
• new customers only;
• selected payment methods;
• bonus code required;
• bonus opt-in.

If the qualifying deposit is £10, depositing £5 will not create a half-sized version of the promotion. It simply leaves you with the cash balance. That may be exactly what you want if you are avoiding bonus conditions, but it is poor value if you deposited specifically for the offer.

I now check the bonus terms before opening the cashier. The order matters. First decide whether you want ordinary cash play or promotional funds; then check the qualifying deposit; only after that consider whether the offer is worth accepting. Set your financial limit before the first deposit as well. A promotion is not a reason to raise it.

Wagering is calculated on the bonus

A bonus is not the same as withdrawable cash. Wagering requirements determine how much qualifying play must take place before bonus-related funds can be withdrawn. The calculation applies to the bonus amount, not to the payment method used to make the deposit.

Since 19 January 2026, the UK Gambling Commission has limited bonus wagering to 10x the bonus funds.

For instance, if the terms attach wagering to bonus funds, switching from a card to an e-wallet does not remove the requirement. Nor does a low deposit automatically make the promotion easier. The deposit may be £5, but the bonus can still carry its own play-through condition, game restrictions and any stated maximum withdrawal cap.

Before 2026, readers could encounter bonus terms requiring between 30x and 65x wagering of the bonus value. Those figures still appear in older guides and archived promotional material, which is why stale advice can make a current offer look worse than it is. Since 19 January 2026, the UK Gambling Commission has limited bonus wagering to 10x the bonus funds. Current incentives for the British market must stay within that ceiling.

That does not mean every offer has a 10x requirement. An operator can set a lower figure, and other conditions can still affect the value. Check which games count, whether some games contribute less, and whether the casino applies the requirement to the bonus or to winnings generated by free spins. A lower headline multiple is useful only when the rest of the terms let you use the bonus in a realistic way.

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Free spins need their own check

Free spins can look generous while leaving you with another wagering task. A specialist review has recorded offers linked to a £1 deposit that range from 10 to 100 spins. The number of spins is only one part of the calculation: winnings from those spins can be subject to wagering between 30x and 65x of the amount won, according to that same type of source.

The expiry period matters too. Reported spin expiry windows run from 24 hours to 14 days. Miss that window and the spins may disappear before you use them. If the promotion is tied to a £5 deposit, confirm whether the deposit unlocks the spins at all, whether a code is needed and whether the resulting winnings carry separate restrictions.

This is where advertising language such as “instant reward” can be misleading. Instant does not mean unrestricted. A reward can arrive immediately and still be locked behind wagering, game exclusions and an expiry date.

What the new cap does not change

The 10x ceiling does not turn every £5 deposit into a profitable bonus opportunity. You can still lose the deposited cash during play, fail to meet the qualifying deposit, or find that the promotion excludes the games you intended to play. The rule limits the wagering burden on bonus funds; it does not guarantee a return and does not remove the operator’s other terms.

Attention
A low cashier minimum does not remove age verification checks or mandatory financial limit prompts.

Also check that the offer is current and that the casino is licensed for the British market. UK players must be at least 18, and a licensed operator must verify age before allowing a deposit. The sensible calculation is therefore simple: treat the £5 as money you can afford to lose, then regard the bonus as optional until every condition is clear.

Small deposit, fine print.

Cards, E-Wallets and Bank Transfers: Check the Cashier

When I see a casino advertised with a £5 minimum deposit, I no longer assume that every button in the cashier will accept exactly £5. The headline may describe the operator’s standard cashier minimum, while one particular payment route carries a different setting. That small detail matters when you are trying to fund an account without putting more money in than planned.

For a UK-licensed casino, the money must come from an allowed source. That means a debit card, an e-wallet funded by a debit card, or a bank account. Credit cards cannot be used for gambling deposits. The UK Gambling Commission’s ban on credit-card gambling has applied since 2020, and it also covers credit-card funding routed through a money service business.

So, for a £5 minimum deposit casino in the UK, I would start with the cashier rather than the advertising page. The cashier is where the operator shows which methods are available to your account, the minimum accepted for each one, and whether the payment route is currently usable.

Debit cards are often the simplest route

Visa and Mastercard debit cards are accepted almost everywhere in the UK online casino market and support low minimum deposits. If the casino advertises a £5 minimum deposit, a debit-card option is therefore one of the first places I would look.

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That does not mean every card transaction will work automatically. The card needs to be a debit card, not a credit card, and the account details may need to match the casino account. The operator can also ask for age and identity checks before allowing deposits. UK players must be at least 18, and operators must verify age before permitting funds to be deposited.

I have made the mistake of treating the first visible payment logo as a guarantee. It is not. A logo on a general payments page does not tell you the minimum currently displayed in your cashier. Log in, open the deposit screen and check the amount beside the card option.

The important point is that cards commonly support the low end of a casino’s deposit range. If your aim is to make a £5 deposit, a debit card may offer the least complicated path, provided the cashier confirms that amount.

E-wallets still depend on how they are funded

E-wallets can be another compliant way to deposit, but the wallet itself does not remove the source-of-funds rules. For gambling payments, the e-wallet must be funded by a debit card or another permitted source. A wallet that allows credit-card funds to be used for gambling cannot be used to bypass the ban.

The minimum shown for an e-wallet can match the casino’s general cashier minimum, but you should not assume that it must. Payment methods are configured separately, even when the operator presents them under one deposit page. A casino may show £5 for one option and a different minimum for another.

That is why I check the actual entry field or preset amount before confirming anything. If the cashier does not accept the amount you intended, do not simply select a larger deposit because the page has made it convenient. The whole point of choosing a £5 minimum deposit casino is often to keep the initial financial commitment controlled.

There is also a practical distinction between having an e-wallet account and being able to use it for gambling. The wallet must permit the transaction, and its funding route must comply with the UK rules. If it is funded with credit, the fact that the casino sees an e-wallet payment does not make that money acceptable.

Direct banking can have its own cashier minimum

Bank-account deposits are also permitted for UK gambling accounts. In the cashier, this may appear as direct banking or as a bank-transfer option. It is a legitimate funding route, but the minimum may not always match the card or e-wallet setting.

Online Casinos With No Sister Sites in the UK

At a particular UK operator, the minimum deposit is generally presented consistently across payment methods. However, some casinos set a higher threshold for bank transfers than for cards or e-wallets. That is the detail worth checking when you are looking for an online casino with a £5 minimum deposit in the UK. The operator may accept £5 through a card while requiring more through direct banking.

I would not start a bank payment until the cashier has displayed the amount it will accept. Bank details copied from an old page or from a previous transaction are not enough; use the current instructions shown inside the account. If the bank option does not support your intended deposit, choose another permitted method shown by the operator rather than trying to force the payment through.

A quick cashier check before depositing

Before I confirm a small deposit, I run through the same short list:

• Is the method a debit card, a debit-funded e-wallet or a bank account?
• Does the cashier accept £5 through that specific option?
• Is the account old enough and age-verified for deposits?
• Are the account and payment details consistent?
• Has the casino asked me to set a financial limit before the first deposit?

That last prompt is part of the UK-licensed customer journey. New customers must be prompted to set a financial limit before depositing, and the account must provide accessible controls for managing it. I set mine before entering payment details. It is easier to decide the boundary while the money is still in my bank account.

The cashier, not a banner, decides what can happen next. A £5 headline can be genuine while one payment method has a higher minimum. Check the route, confirm the source of the funds, and only then approve the deposit. Small detail, real difference.

Playing for Real Money on a £5 Balance

A £5 deposit gives you a real-money balance, but it does not turn into a long session by itself. I have made the mistake of treating a small starting balance as if it were a budget for the whole evening. It is better viewed as a short test: you can try a game, see how quickly the balance moves and decide whether the experience suits you before adding anything else.

Many slots accept bets between £0.10 and £0.20 per spin. At the lower stake, the starting balance lasts longer than it would at the higher one, but every spin still reduces the money available. A few losing rounds can make the remaining balance feel uncomfortably small. At that point, chasing the original £5 is exactly the habit I try to avoid.

Before depositing, set a financial limit that covers the whole session, not just the first cashier transaction. A £5 minimum deposit is only the amount needed to fund the account; it is not a recommendation to deposit more when the balance disappears. UK-licensed operators must provide account-level limit controls, so use them rather than relying on willpower after a losing run.

The balance may not be withdrawable yet

The awkward part comes when a small balance turns into a win. An affiliate review reports minimum withdrawal thresholds at many UK casinos in the range of £10 to £20. That is not a fixed rule for every operator, but it shows why a modest win may remain in the account rather than being available for cash-out immediately.

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For instance, a balance below the operator’s stated withdrawal threshold may require more play before a request can be submitted. That creates a poor choice: leave the money untouched while waiting for the threshold to change, or keep playing and risk losing it. I would check the withdrawal page before starting, not after a lucky session.

The cashier may also apply conditions that matter more when the balance is small. An affiliate review reports that some payment providers charge a flat transaction fee of £1 to £3. A fee like that takes a noticeable part of a modest withdrawal, so the amount shown in the account is not necessarily the amount that reaches you.

What to check before playing

• Confirm the casino’s minimum withdrawal amount.
• Look for any transaction charge shown in the cashier or terms.
• Check whether the intended withdrawal route is available for your account.
• Set your financial limit before the first deposit.
• Stop when that limit is reached, whether the balance is rising or falling.

A £5 minimum deposit can be perfectly workable for low-stake real-money play, but the useful question is not whether the casino accepts five pounds. It is whether the account lets you cash out a small win without an awkward threshold or fee. Small balance, real conditions.

If You’re Looking for a Casino Not on GamStop

Searching for a £5 minimum deposit casino not on GamStop usually points to a very specific concern: you want to play somewhere that is not covered by your existing self-exclusion. I understand the temptation. I have made the mistake of treating a new account as a clean reset, when it was really the same gambling problem wearing a different shirt.

That is not a route I can recommend. A casino outside GamStop should not be presented as a workaround for a self-exclusion decision. If you registered with GamStop because gambling was becoming difficult to control, trying to get around that barrier can remove a safeguard you deliberately put in place.

There is also a regulatory distinction to keep clear. Online gambling for people in Great Britain is legal at sites holding the relevant UK Gambling Commission licence. Offshore casinos operate outside that UKGC system. They may be visible and accessible online, but that does not make them equivalent to a UK-licensed operator, and this page is not an invitation to use one.

Self-Exclusion Risk

Trying to use casinos not on GamStop to bypass self-exclusion removes vital safeguards and is not recommended.

Before depositing anywhere, stop at the account-opening stage and set a financial limit. UK-licensed operators must prompt new customers to do this before the first deposit and provide account-level controls. Use those controls honestly: a limit that leaves room for chasing losses is not much of a limit.

If your aim is simply to find £5 minimum deposit slot sites in the UK, keep that separate from the GamStop question. A small cashier minimum does not solve a self-exclusion issue, and “low deposit” is not the same as low risk. You must be at least 18 to gamble legally, but being old enough to open an account does not mean opening one is sensible today.

My own rule now is blunt: if I am looking for a site specifically because an exclusion blocks me, I do not deposit. I close the tab, keep the money out of reach, and use the support options connected with the exclusion instead. Less exciting. Much safer.

Can You Deposit £5 with PayPal?

PayPal can look like the obvious answer when you want a £5 minimum deposit casino in the UK. I have made that assumption myself, then found that the payment button, the cashier minimum and the promotion rules were three separate things.

There is no single PayPal minimum that applies across every UK casino. The figure shown for your account is set by the operator and can change between casinos. So, if you want to make a £5 deposit with PayPal, open the cashier, select PayPal and check the amount the form accepts before confirming anything. The cashier is the useful bit of the page.

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At a given operator, the minimum deposit is generally shared across its available payment methods. That means a casino advertising a £5 cashier minimum may also accept £5 through PayPal. “Generally” matters, though. Some operators apply a higher threshold to one payment route, and the published general minimum does not prove that PayPal has identical treatment.

PayPal also needs to be usable for gambling funding under the UK rules. Gambling deposits cannot come from a credit card, and a wallet cannot be used where it allows credit-card funds to fund gambling. In practical terms, use a PayPal balance or funding route connected to an eligible debit source, not borrowed credit.

Before depositing, complete the casino’s age and account checks and set your financial limit. If PayPal is absent, the £5 option is greyed out, or the cashier requests more, do not treat that as a technical challenge to overcome. It simply means that operator does not offer the same minimum through PayPal. Check the cashier again before each deposit, because the operator’s displayed payment conditions are what control the transaction.

Using a Paysafecard for a £5 Deposit

Paysafecard can look like a natural fit for a casino with a £5 cashier minimum, but the two figures describe different things. The casino sets the smallest amount it will accept in one deposit. Paysafecard, meanwhile, sells vouchers in fixed values of £5, £10, £25, £50 and £100.

That means a £5 voucher is not the same as a guaranteed £5 casino deposit. The operator may accept Paysafecard but apply its own minimum to that payment route, so check the cashier before buying a voucher or entering its details. A £5 minimum deposit casino may still show a different requirement for Paysafecard than for another available option.

There is one useful distinction: you do not necessarily have to put the whole voucher value into one transaction. A single voucher can fund several smaller deposits. So, if the cashier accepts the amount you want to add, the unused balance can remain available for another deposit later.

I made the mistake of treating the voucher value as the casino’s rule. It is not. The voucher is simply the prepaid amount you hold; the cashier decides whether, and how, it can be applied.

Paysafecard also does not change the need to set a financial limit before your first deposit. Decide what you can afford first, then check the cashier’s Paysafecard instructions and any account requirements before paying. Keep the voucher details private, and do not buy more simply because the available value remains on the voucher.

The practical check is short: confirm that Paysafecard is listed, read its displayed minimum, and make sure the voucher value suits the deposit you intend to make. That prevents a small-deposit plan becoming an unused prepaid balance.

Direct Banking and the £5 Minimum

Direct banking is not automatically the easiest route to a £5 minimum deposit. A specialist review places the typical cashier minimum for UK casinos accepting direct banking at £10, while also recording operators with a £5 threshold and others requiring £20. That makes the cashier’s direct-banking option worth checking before you build your session around a five-pound deposit.

So, when you are looking for a casino with a £5 minimum deposit in the UK, do not assume that the figure applies equally to every funding route. An operator may advertise a £5 minimum deposit overall, yet show a different threshold when you select direct banking. The amount displayed in the cashier is the one that matters.

The useful part is that direct banking itself does not normally put a welcome offer out of reach. At UK-licensed casinos, a direct-banking deposit qualifies for welcome bonuses on the same basis as a debit-card or eligible e-wallet deposit. The payment route does not change the bonus terms: wagering requirements, game restrictions and any maximum withdrawal cap apply to the bonus, not to the method used to fund it.

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There is still a catch. A £5 direct-banking deposit can meet the cashier minimum while failing a separate promotional qualifying condition. Read the offer rules before opting in, rather than treating the deposit button as proof that the bonus will activate.

I made that mistake once: money arrived, promotion did not. Set your financial limit first, then check the direct-banking minimum and the bonus conditions as two separate details.

SMS and Mobile-Billing Deposits: Read the Limits First

Pay-by-SMS and mobile-billing deposits occupy a narrow corner of the UK minimum deposit casino market. The lowest deposit tier is £1, but a specialist review identified that level as rare and linked it mainly to particular mobile-billing services such as Boku or Payforit. That does not make every casino offering phone billing a £1 casino, or guarantee that a £5 payment will be accepted.

The important detail is the cashier’s method-specific rule. A casino may display mobile billing among its payment choices while applying a different minimum to that route. Enter £5 only after checking the amount shown for the selected phone-billed service, along with any account or operator conditions attached to it.

I have also learnt not to treat the deposit route as a complete cash-out solution. A phone-billed payment may put money into the gambling account, while withdrawals are handled separately through the operator’s available options. A specialist review reported minimum withdrawal figures ranging from £1 to £5 for some UK casinos, but that is not a promise that mobile-billing deposits can be withdrawn to the same place. Check the cashier before committing a small balance.

There is another practical snag: the payment method can be restrictive even when the amount looks attractive. Debit cards and some e-wallets support £1 transactions, giving you a broader comparison point than SMS billing. Phone billing is therefore best viewed as a specific low-deposit route, not a default choice for a £5 minimum deposit.

Use only a UK-licensed operator, confirm you are 18 or over, and set your financial limit before the first deposit. Small payment, same risk.

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