No deposit bonus offers for PayID pokies in Australia

PayID pokies australia no deposit bonus for Australian players: the operators covered here, updated August 2026.

Where to Find No Deposit PayID Pokies

  • KingBilly KingBilly
    Rating7.2

    Free Spins Welcome: 100 Spins on Sign-Up

    Wagering: 40x. Check availability and the latest terms at the destination before claiming. Eligibility rules and T&Cs apply. 18+.

  • Alawin Alawin
    Rating8.6

    Free Spins Welcome: 120 Spins on Sign-Up

    Wagering: No wagering. Offer availability varies. Review the current T&Cs, eligibility and wagering requirements before claiming. 18+.

  • Golisimo Golisimo
    Rating7.5

    Free Spins Welcome: 150 Spins on Sign-Up

    Wagering: 25x. Availability and terms may change. Verify the current offer, eligibility and wagering rules before claiming. 18+.

  • King Johnnie King Johnnie
    Rating7.5

    Free Spins Welcome: 150 Spins on Sign-Up

    Wagering: 35x. Offer availability varies. Review the current T&Cs, eligibility and wagering requirements before claiming. 18+.

  • PlayCroco PlayCroco
    Rating8.0

    Free Spins Welcome: 120 Spins on Sign-Up

    Wagering: 1x on initial deposit. Check availability and the latest terms at the destination before claiming. Eligibility rules and T&Cs apply. 18+.

No Deposit PayID Pokies Sites Compared: No-deposit offer, Wagering, Max cashout and expires in

No-deposit offer, Wagering, Max cashout and expires in for the 10 operators covered here, compared for Australia.

CasinoNo-deposit offerWageringMax cashoutExpires in
KingBilly40 free spins40xA$20024 hours
AlawinNo standing no-deposit deal
Golisimo40 free spins30xA$1003 days
King Johnnie25 free spins60xA$2002 days
PlayCroco25 free spins30xA$1503 days
Ozwin20 free spins30xA$1502 days
Joe Fortune15 free spins40xA$2002 days
SkyCrownNo standing no-deposit deal
Ricky CasinoA$10 free chip50xA$15024 hours
Fair GoNo standing no-deposit deal

Figures in this table are an editorial estimate compiled for this comparison, not an operator quote — limits and timings change. Confirm in the cashier before you deposit. 18+.

What KingBilly, Alawin and Golisimo put on the table before you deposit

KingBilly's no deposit slice typically arrives as a set number of free spins tied to a single featured pokie rather than cash you can throw at anything in the lobby. That matters because the spin value is fixed by the operator, not by you, so a 20-spin batch at 10 cents a spin caps your theoretical exposure at $2 in stake even if the promotion sounds generous. Alawin runs a similar model but leans toward a flat bonus credit figure instead of spins, which gives you more choice over which pokie to test but usually comes with a shorter shelf life before the credit expires unused. Golisimo sits between the two, occasionally pairing a small credit amount with a handful of spins on a rotating title, and the rotation itself is worth watching because the featured game can change month to month without much notice on the promotions page. None of these three publish identical terms, so the actual return depends on reading the specific offer live on their cashier or promotions tab rather than assuming last month's numbers still apply. The pattern across all three, and frankly most of the category, is that the free portion functions as a trial of the software and the account verification flow more than as a genuine bankroll top-up.

Because the credit or spins are capped in dollar terms from the outset, players chasing payid pokies australia no deposit bonus offers at these three should treat the exercise as a way to sample game libraries and confirm PayID works cleanly with the operator's cashier, rather than as a shortcut to a meaningful cash prize.

Which PayID Pokies sites give something before you deposit in Australia?

  • A$10 free chipPick of the table — Ricky Casino
  • 7/10Sites running a no-deposit deal
  • 30xLowest wagering on those offers

This is an editorial comparison, not an operator statement. Timings, limits and fees are indicative and should be checked before you commit money. 18+.

Ricky Casino, SkyCrown and King Johnnie: how their entry offers compare

Ricky Casino, SkyCrown and King Johnnie: how their entry offers compare: payid pokies australia no deposit bonus guide f

Ricky Casino's approach tends to favour a modest credit amount released after account confirmation, with the credit sitting in a separate bonus balance until wagering is cleared. SkyCrown has historically leaned on free spins bundles rather than cash credit, and the spin count on offer can shift depending on which pokie the operator is currently promoting, which is a detail worth checking before you assume a fixed number applies every time. King Johnnie's no deposit slice is usually the smallest of the three in raw dollar terms but sometimes comes with a comparatively shorter wagering multiple attached, which can make the smaller figure convert to cash more reliably than a larger offer buried under a steep multiple elsewhere. The three operators also differ in how quickly the credit lands: some post it to your account balance the moment your mobile number or email is confirmed, while others wait until a manual review of your registration details clears, a gap that can run from a few minutes to closer to a day depending on how busy the verification queue is on that particular date.

If you're comparing more than one of these three side by side, the operator cards and comparison table above lay out the current spin counts and credit figures in one place, which saves the trouble of opening each cashier separately to check what's live this week.

PayID Pokies ranked by No-deposit offer

Ordered by No-deposit offer, best first. These are the working values used across this site, so the same operator shows the same numbers on every page here.

#SiteNo-deposit offerPokies weightingVerificationDeposit to continue
1Ricky CasinoA$10 free chip100%2 daysA$5
2KingBilly40 free spins100%12 hoursA$30
3Golisimo40 free spins100%4 hoursA$25
4PlayCroco25 free spins100%2 daysA$30
5King Johnnie25 free spins90%12 hoursA$20
6Ozwin20 free spins100%12 hoursA$25
7Joe Fortune15 free spins100%2 hoursA$5
8SkyCrownNo standing no-deposit deal90%1 hourA$5
9Fair GoNo standing no-deposit deal100%2 daysA$15
10AlawinNo standing no-deposit deal90%2 daysA$20

Ricky Casino takes the top slot on most usable no-deposit offer (A$10 free chip). At the other end of the table Alawin sits at No standing no-deposit deal — the spread is the reason this page exists.

These numbers are our working estimate for comparison purposes; each operator publishes its own limits and changes them without notice. Check the current terms before depositing. 18+.

Joe Fortune, Fair Go, PlayCroco and Ozwin no deposit offers side by side

Joe Fortune and Fair Go both have a long track record of running small no deposit credits for new sign-ups, typically in the same low double-digit dollar range as the other operators on this page, and both apply a standard wagering condition before any of that credit converts to something you can request as a withdrawal. PlayCroco has occasionally offered a slightly larger spin count than its peers, though the per-spin value tends to be set low enough that the theoretical maximum win stays modest. Ozwin rounds out the list with an offer structure that mirrors Ricky Casino and King Johnnie fairly closely: a fixed credit amount, a standard multiple to clear, and a maximum cashout that caps how much of any resulting win you can actually take out. Across all four of these operators, the promotional terms are reviewed and occasionally revised, so a figure that was accurate last quarter can shift, and the safest approach is always to check the live terms page attached to the specific offer rather than relying on a number you saw somewhere else months ago.

The three numbers that decide whether a no deposit offer is worth claiming

Every no deposit promotion reduces to three figures, and if you only have time to check one section of the terms before clicking claim, check this one. The first is the wagering requirement, expressed as a multiple of the bonus amount, and across the operators here that multiple commonly sits between 30x and 50x on no deposit offers specifically, which runs noticeably higher than the wagering attached to matched deposit bonuses at the same sites. The second figure is the maximum cashout, a hard ceiling on how much of your winnings you're allowed to withdraw regardless of how well the spins or the bonus credit perform, and that ceiling is frequently set at a modest fixed amount such as $50 or $100 rather than being left open. The third is the expiry window, meaning the number of days you have to both use the credit or spins and then clear the wagering before the whole offer, along with any winnings sitting inside it, is wiped from your account. A short expiry combined with a high wagering multiple is the least favourable pairing you'll encounter, since it forces a lot of betting activity into a narrow window; a longer expiry paired with a lower multiple is comparatively player-friendly even when the headline credit amount looks smaller.

Reading these three numbers together, rather than looking at the headline dollar figure alone, is the single most useful habit when comparing a payid pokies australia no deposit bonus against another, because two offers advertising the same $20 credit can convert to very different real outcomes depending on where the wagering multiple and cashout cap land.

Wagering contribution rates and which pokies actually count

Not every pokie in the lobby contributes equally toward clearing a no deposit bonus's wagering requirement, and this is one of the more commonly misunderstood parts of the whole process. Most operators count pokies at 100% contribution by default, meaning every dollar wagered on an eligible slot counts fully toward the requirement, but a subset of higher-volatility or newer releases are sometimes excluded entirely or contribute at a reduced rate such as 50%. Table games, where offered, almost always contribute at a much lower rate, often 10% or less, or are excluded from bonus wagering altogether, which is why bonus terms will usually specify that only pokies count. Where a no deposit offer arrives as free spins rather than credit, the contribution question shifts slightly: the spins themselves are locked to one named pokie, and any winnings they generate are usually converted into bonus credit that then needs to be wagered again on eligible slots, effectively adding a second stage to the process that isn't obvious from the initial promotion. What a real-money session actually costs is compared in the PayID pokies real money page.

The practical takeaway is to check the excluded games list inside the bonus terms before you start playing, because grinding wagering on a title that contributes at a reduced rate, or not at all, wastes both time and any spins you have left, and the exclusion list isn't always visible from inside the game itself.

Terms that decide the value

The conditions attached to the offers above. Wagering and weighting decide the real cost; the expiry decides whether it is achievable at all.

SiteWageringMax bet on bonusPokies weightingTables weightingOffer expiry (days)Max cashout
Ricky Casino30xA$10100%5%21A$150
KingBilly40xA$10100%5%7A$200
Golisimo25xA$7100%5%7A$100
PlayCroco1x on initial depositA$7100%0%14A$150
King Johnnie35xA$790%0%14A$200
Ozwin20xA$7100%10%14A$150
Joe Fortune20xA$7100%0%30A$200
SkyCrown35xA$590%10%14A$150
Fair Go1x on initial depositA$5100%0%30A$200
AlawinNo wageringA$790%10%7A$200

This is an editorial comparison, not an operator statement. Timings, limits and fees are indicative and should be checked before you commit money. 18+.

Claiming a payid pokies australia no deposit bonus: registration through to verification

The claim path is broadly consistent across the ten operators listed on this page, though the exact sequence of screens differs slightly by platform. Registration starts with the usual name, email, date of birth and mobile number fields, and at this stage some operators require a promo code entered manually while others attach the no deposit credit automatically to any new account created through a specific landing page. Once the form is submitted, most sites send a verification code by SMS or email that has to be entered before the account is marked active, and it's only after that confirmation step that the free spins or credit typically appear in your account balance. A second, separate verification stage usually follows before any withdrawal request is processed: this is where the operator asks for a copy of photo ID and sometimes a recent utility bill or bank statement to confirm your identity and address match the details on file. Submitting these documents at registration, rather than waiting until you have a withdrawal to process, is the one step that most reliably prevents a delay later, since a rejected or unclear document at the withdrawal stage can hold funds for several days while a new copy is requested and reviewed.

Some operators also ask you to link and verify PayID inside your banking app as part of confirming your payment details are genuine, which is a separate check from the identity verification and is worth completing early so the two processes don't overlap and slow each other down. Offers that need no deposit at all are compared in free credit pokies PayID real money.

Authorized promotions versus expired terms: reading the current offer correctly

Because no deposit terms change without much warning, it's worth distinguishing an authorized promotion currently live on an operator's own cashier from an older figure that's simply been left uncorrected on a third-party listing somewhere. The safest confirmation is always the operator's own promotions page or the terms attached directly to the offer at the point of claiming, since that's the version that governs what actually happens to your account. A figure quoted elsewhere, even a recent one, can lag behind a change the operator made to spin counts, credit amounts or wagering multiples in the intervening weeks. This is also where account creation dates matter: an offer aimed at new PayID pokies Australia sign-ups specifically won't apply to an existing account, and trying to claim it on an older profile is one of the more common reasons a credit fails to appear at all.

What a no deposit credit realistically turns into once you cash out

What a no deposit credit realistically turns into once you cash out — payid pokies australia no deposit bonus in Austral

Work through the maths on a typical example and the gap between the advertised figure and the withdrawable outcome becomes clear. Take a $20 no deposit credit with a 40x wagering requirement and a $100 maximum cashout, a combination that sits within the range seen across the operators on this page. Clearing the wagering means turning over $800 in total bets on eligible pokies before any winnings can be requested, and because pokies carry a built-in house edge, the balance typically shrinks over that turnover rather than growing, even though individual spins can produce short winning streaks along the way. Players who do clear the requirement with a positive balance intact are still capped by the maximum cashout, so even a lucky run that grows the $20 into $300 on paper will only release $100 of it, with the rest voided when the bonus is cashed out. Free spins offers follow a similar arithmetic once the spin winnings convert to bonus credit and the same wagering and cashout rules apply to that converted amount.

None of this means the offers are pointless, since a genuine cash cashout, even a capped one, is still real money for zero deposit outlay, but it does mean that the realistic expectation for what a payid pokies australia no deposit bonus converts to sits closer to a small bonus for testing an operator's PayID deposit pokies flow than a meaningful bankroll builder, and treating it that way avoids disappointment when the maximum cashout kicks in.

Restrictions that void a payid pokies australia no deposit bonus outright

A handful of conditions will strip the bonus and any attached winnings from your account regardless of how carefully you otherwise played, and these are worth knowing before you start rather than discovering them at withdrawal. Betting above a specified maximum stake per spin while wagering requirements are still active, often set at $5 or $10 depending on the operator, is one of the most common triggers, since it's treated as an attempt to clear wagering unusually fast. Playing an excluded game, even briefly, can also void the bonus on some platforms, which is another reason to check the exclusion list before spinning rather than after. Requesting a withdrawal before the wagering requirement is fully cleared typically forfeits the remaining bonus balance and any winnings tied to it, so it pays to confirm your progress inside the account dashboard first. Multiple accounts from the same household, the same device or the same PayID linked to more than one profile will usually see every affected account frozen and any payid pokies australia no deposit bonus funds removed, since this is treated as abuse of a promotion intended for one signup per person. Finally, most no deposit terms specify that deposits made while a no deposit payid pokies australia no deposit bonus is still active and unwagered can complicate or delay processing, so it's generally cleaner to either finish or deliberately forfeit the no deposit offer before making your first real deposit through PayID.

The process and what each stage takes

Timings are the working values for this comparison; the stage that varies most between operators is marked in the table above.

  1. 1

    Register the account3–5 min

    Real name and date of birth must match the ID you will eventually upload — a mismatch is the single most common reason a no-deposit win is voided at the payout stage.

  2. 2

    Confirm email and phone2–10 min

    Most no-deposit offers unlock only after both are verified. This is also the step that limits one offer per household.

  3. 3

    Claim the offerunder 1 min

    Either it lands automatically or a code goes into the promo field. Ricky Casino runs A$10 free chip at the time of writing.

  4. 4

    Play through the requirement24 hours to complete

    Winnings carry 30x wagering and pokies contribute 100% while table games contribute 5%. Playing the wrong category is what usually runs the clock out.

  5. 5

    Verify and withdraw2 days

    Cashout is capped at A$150 regardless of what the balance reaches. Identity documents are always required before a no-deposit balance is released.

How a PayID deposit interacts with an existing no deposit balance

Once you've decided to move from testing the site to depositing real funds, the presence of an unfinished no deposit payid pokies australia no deposit bonus in your account can affect how that first deposit is treated. Some operators require the no deposit payid pokies australia no deposit bonus to be fully wagered, forfeited or expired before a new deposit-linked payid pokies australia no deposit bonus can be claimed, which means depositing early can mean missing out on a welcome match you'd otherwise have received. Because PayID deposit pokies transfers usually land in your balance within moments of leaving your bank, there's rarely a technical delay involved in this decision, so the timing question is really about payid pokies australia no deposit bonus sequencing rather than payment processing speed. If your priority is claiming the biggest available welcome offer, checking whether the no deposit terms specify a required order gives you a clearer picture of when to make that first deposit, particularly if you were also hoping to combine it with a matched deposit promotion on the same visit. The full shortlist these figures come from is on the PayID pokies overview.

Mobile access and no deposit offers on a phone or tablet

Every operator listed here can be reached through a mobile browser without installing a separate app, and no deposit credit or spins claimed on desktop generally carry over to a mobile session on the same account without needing to be claimed again. Where an operator does offer a dedicated app, the no deposit promotion is usually identical to the browser version rather than being a separate mobile-only deal, though verification screens can sometimes render slightly differently on a smaller screen, which is worth knowing if a document upload step seems to stall. A closer look at mobile PayID pokies performance across these operators, including load times and app availability specifically, sits on a separate page of this site rather than being repeated here, since the no deposit terms themselves don't change based on which device you're using.

Comparing a no deposit offer against the operator's regular welcome payid pokies australia no deposit bonus

It's worth being clear-eyed about how a no deposit offer stacks up against the matched deposit payid pokies australia no deposit bonus most of these same operators run for new sign-ups, since the two serve different purposes. A typical welcome match might double or triple a first deposit up to a capped amount, with a wagering multiple that, while still substantial, is often lower than the multiple attached to a no deposit credit, and critically, a matched payid pokies australia no deposit bonus usually carries no fixed maximum cashout the way many no deposit offers do. This means that, dollar for dollar, a deposit-linked payid pokies australia no deposit bonus is generally the better value path once you're ready to fund an account, and the no deposit offer is best understood as a preview rather than a substitute. Anyone weighing up the full range of entry offers across the best online pokies Australia PayID operators will find that the no deposit promotions are consistently the smaller and more restricted of the two options, which is a reasonable trade given they ask for nothing upfront.

What to verify first

  • Confirm the numbers in the cashier

    Everything on this page is a comparison estimate; the cashier is the authority. Start with the minimum (A$5) and the fee (None).

  • Complete verification early

    Documents clear in about 2 days. Doing it before the first withdrawal removes the single most common delay.

  • Set deposit and session limits first

    Tools available: deposit limits, session timer, self-exclusion, wager limits. They are easier to set before a session than during one.

  • Match the account names

    The bank account name and the casino profile name must be identical or transfers reverse.

  • Keep the payment route consistent

    Depositing with one method and withdrawing to another triggers a manual review at most operators.

Verifying your identity before the no deposit payid pokies australia no deposit bonus pays out for real

Identity verification sits at the centre of whether a no deposit win ever becomes cash in your bank account, and it's the stage where claims most often stall. Operators typically request a government-issued photo ID and, for larger or first-time withdrawals, a matching proof of address such as a recent bank statement or utility bill dated within the last three months. The review itself can take anywhere from under an hour to a couple of business days depending on how busy the compliance queue is and whether the documents submitted are clear and current, and a blurry photo or an expired ID is the single most common reason a review drags out. Because PayID deposits show the registered name attached to the paying bank account, that name has to match your casino profile exactly, and any mismatch, even a shortened first name, can trigger an additional manual check before a no deposit win clears for withdrawal. Submitting the correct documents in the right format the first time, rather than waiting to be asked twice, remains the most reliable way to keep this stage from adding unnecessary days to the process.

Whether PayID itself adds any risk to claiming these offers

Whether PayID itself adds any risk to claiming these offers for players in Australia

A question that comes up often enough to address directly: is PayID safe for pokies when it's the method attached to a no deposit account from day one. PayID itself doesn't ask you to share card numbers or account details with the casino, since transfers run through your own banking app using a registered mobile number or email as the identifier, and the operator only ever sees that identifier, not your account number. Because a no deposit offer requires no payment at all to claim, the deposit and withdrawal side of PayID only becomes relevant once you're ready to fund an account or request a payout, at which point the deposit itself typically clears in seconds rather than requiring any waiting period. Confirming the recipient name shown by your banking app matches the casino before approving any transfer remains the one habit worth carrying over from the deposit side into this earlier, no-cost stage of the process.

What happens to unused free spins or credit if you don't play them

No deposit offers don't sit in an account indefinitely, and the expiry window mentioned earlier applies whether or not you've touched the credit or spins at all. If the offer goes unused, the credit or remaining spins are simply removed from the account once the window closes, typically somewhere between 3 and 14 days after the account was created, with no notification beyond what appeared in the original terms. There's no partial credit or extension in the standard case, so an account created purely to browse a lobby and never played can lose the entire no deposit allocation without the player ever having spun a reel. This is one more reason the claim procedure and the wagering clock are worth reading together before registering, since starting the clock on an offer you don't have time to use in the coming week accomplishes nothing.

Checking eligibility before you register for a payid pokies australia no deposit bonus

Eligibility rules attached to these offers are usually straightforward but worth a final check before signing up. Most operators restrict the no deposit offer to players physically located in Australia at the time of registration and require a real, verifiable Australian mobile number, since that number often doubles as part of the PayID identifier used later. Age verification, matching the standard 18-plus requirement for Australian gambling operators, is checked at the identity verification stage rather than at registration, though the date of birth entered on sign-up is cross-checked against submitted ID. A small number of no deposit promotions are also limited to a single claim per household or per registered device, tightening the usual one-per-person rule further, and attempting a second claim under a different email but the same device or the same PayID typically fails the same fraud checks mentioned earlier. Reading the eligibility section alongside the wagering, cashout and expiry figures gives the fullest picture of what a specific offer actually amounts to before you commit any personal details to the registration form.

The questions this page gets

Is there really no deposit required?

For the offer itself, no: Ricky Casino lists A$10 free chip. A deposit is normally still needed before winnings can be withdrawn, and identity documents always are.

What does the offer convert to in cash?

Cashout is capped at A$150 and winnings carry 30x wagering. That pair, not the headline number, sets the real value.

How long is there to use it?

24 hours. Pokies contribute 100% towards the requirement while table games contribute 5%, so game choice decides whether the window is realistic.

Can the offer be claimed more than once?

One per person, household and device at every operator on this page. Duplicate accounts void the balance at the verification stage.

Why was a no-deposit win voided?

Most often a name mismatch at verification, a max-bet breach while bonus funds were active, or the cashout cap being ignored.

Values shown are indicative and compiled for comparison — treat them as a starting point and verify the current terms with the operator. 18+.

Making sense of the operator comparison before you pick one

With ten operators offering broadly similar structures but different specific figures, the practical approach is to shortlist based on the three numbers covered earlier, wagering multiple, maximum cashout and expiry, rather than the headline credit amount alone. The comparison table above lists the current windows and figures for KingBilly, Alawin, Golisimo, Ricky Casino, SkyCrown, King Johnnie, Joe Fortune, Fair Go, PlayCroco and Ozwin side by side, which is the fastest way to weigh a shorter expiry against a lower multiple without reopening every individual terms page. For anyone specifically interested in instant PayID pokies Australia real money outcomes rather than a slower-moving payid pokies australia no deposit bonus balance, the maximum cashout figure deserves the closest attention, since it's the number that ultimately decides how much of any no deposit win reaches your actual bank account.

Where a payid pokies australia no deposit bonus code fits into the free credit pokies process

A subset of the operators listed on this page attach their no deposit offer to a payid pokies australia no deposit bonus code entered during registration rather than crediting it automatically, and missing that field is a common reason players find no credit waiting in their account despite meeting every other requirement. Where a code is required, it typically needs to be entered before the final registration step is submitted, since adding it afterward through customer support isn't always possible depending on the operator's system. Checking the specific landing page or promotion listing for the current code, rather than relying on one seen weeks earlier, matters here in the same way it matters for the wagering and cashout figures, since codes are occasionally rotated or retired without much notice. Anyone browsing free credit pokies real money offers across several operators at once will find it faster to confirm the current code for each site individually rather than assuming the same code carries across platforms.

Withdrawal timing once a no deposit win clears wagering

Once wagering is cleared and identity verification has already been completed, the withdrawal itself usually moves faster than the verification stage did, since the compliance check has already happened. Processing on the operator's side can range from under an hour to roughly 24 hours before the payout is released toward your bank, and from there the PayID transfer itself typically lands within moments once the operator's platform sends it. Anyone checking pokies net Australia PayID withdrawal times specifically for a first small payout from a no deposit win should expect the operator-side processing window, rather than the PayID transfer itself, to be the larger portion of the total wait, since the transfer step is close to instant once initiated. Larger amounts, or a first withdrawal on a newly verified account, can occasionally add a short additional review before release, separate from the standard processing window, particularly if the payout approaches the maximum cashout figure attached to the original payid pokies australia no deposit bonus.

Final considerations before claiming your first no deposit offer

Working through a no deposit offer methodically, checking the wagering multiple, the maximum cashout, the expiry window, the eligible games list and the eligibility conditions before registering, turns what looks like a simple free gift into a realistic, transparent trial of an operator's PayID pokies casino experience. None of the ten operators covered here promise a life-changing outcome from their no deposit credit, and treating the offer as a way to sample the lobby, confirm PayID deposit and withdrawal handling, and test customer support responsiveness before committing real funds is the approach most likely to leave you satisfied with the outcome, whatever the final cashout figure turns out to be.