Casino payment methods: deposits, withdrawals and hidden costs

What This Page Gives You

Deposits at the ten operators compared above run from AU$10 to AU$20 minimums, clear in under thirty seconds on PayID, and cost nothing in most cases — but the exceptions matter. This page walks through every step, every rail and every fee you can hit before your money reaches a balance, then explains how the same rail carries your withdrawal back out.

Minimum Deposits, Ceilings and Fees Across the Ten Operators

The table above lists the current entry points for Wintino, KingBilly, Alawin, Golisimo, Ricky Casino, SkyCrown, King Johnnie, Joe Fortune, Fair Go and PlayCroco, and the pattern across all ten is tight: minimum deposits cluster between AU$10 and AU$20 regardless of which rail you pick. The ceiling is a different story. Card deposits commonly cap between AU$2,000 and AU$5,000 per transaction, PayID caps are set by your own bank rather than the operator, and crypto ceilings often sit at AU$10,000 or higher per transfer because no card network sits in the middle.

Fees at the deposit stage are rare in 2026, and where they exist they usually come from a third party rather than the operator. Most Aussie-facing sites eat the processing cost themselves because a deposit fee pushes players toward competitors. The exceptions worth knowing: some prepaid voucher providers charge a purchase fee of 1.5% to 4% at the retail counter, and crypto network fees spike with blockchain congestion — a Bitcoin transfer that costs AU$0.50 on a quiet Saturday can cost AU$15 on a busy Monday. An operator's cashier will always show the fee before you confirm, so if the screen shows an extra charge that the promotions page never mentioned, treat it as a signal to pick another rail.

One structural detail that trips up new accounts: the welcome bonus trigger. At most of the ten operators the minimum deposit to qualify for a matched bonus sits around AU$30 — roughly AU$10 to AU$20 above the plain minimum. A AU$20 deposit that lands instantly but misses the bonus threshold is the single most common regret in the reviews readers share with us each July, when new promotional cycles begin.

The Deposit Flow Step by Step

Every cashier at the operators listed above follows the same four-stage shape, and knowing the timing of each stage removes most of the anxiety around payment processing for a first-timer.

Step one: pick your rail

Open the cashier, choose deposit, and select from the options the operator supports — typically PayID, Visa or Mastercard, a prepaid voucher, crypto or a bank transfer. This choice takes seconds but locks in everything downstream: speed, fees and the withdrawal route, which is why the next major section covers it in depth.

Step two: enter the amount

Type the figure in AUD. The screen should display the minimum, the per-transaction ceiling, and whether the amount clears the bonus trigger. If you are claiming free spins or a matched offer, confirm the amount clears the threshold before moving on — a AU$25 deposit against a AU$30 trigger does not retroactively qualify.

Step three: confirm with your bank or wallet

PayID routes through your banking app, where you approve the push. Card deposits ask for a 3-D Secure code sent by SMS. Crypto asks you to send to a wallet address with a network choice. Each confirmation adds its own delay: thirty seconds for PayID, under a minute for 3-D Secure, and anywhere from two minutes to an hour for crypto depending on network load and the number of confirmations the operator requires.

Step four: watch the credit

A deposit via PayID should hit the balance in under thirty seconds once your bank approves it. Cards credit immediately on approval. Crypto credits after the required confirmations — one to three blocks is standard, which on a fast chain means minutes. If the balance stays empty past these windows, the following section applies.

Banks and Apps: Who Clears the Transfer and Who Blocks It

The rail works only if your bank plays along, and in Australia the split is sharper than most players expect. PayID rides the New Payments Platform, and the four big banks plus most mid-tier institutions — Macquarie, ING, Up, Bankwest and others — support outbound PayID to merchants around the clock. Deposits through this route are encrypted end-to-end and typically credit in under thirty seconds. Some smaller credit unions lag on weekend clearing, so a Friday-night deposit from one of those accounts can sit until Monday morning.

Cards are the opposite story. The major issuers generally approve gambling transactions to offshore-licensed operators, but a handful of smaller lenders and neo-banks apply blanket blocks on merchant category code 7995, the code that flags betting and gaming. When a card deposit fails instantly with no explanation, an MCC block is the most likely cause, and no amount of retrying will fix it — the fix is a different rail. Neosurf and similar vouchers bypass banks entirely because you buy the voucher with cash or any card at retail, which is why they remain useful for players whose bank is obstructive.

Crypto sits outside the banking system altogether, so no Australian institution can block it, though your exchange may have its own rules about withdrawals to gambling-linked wallet addresses. The practical checklist is simple: check whether your bank supports NPP pushes, check whether it blocks MCC 7995, and keep a second rail configured before you need it. Every operator among the ten compared here supports at least three rails precisely because bank behaviour varies so much.

When a Deposit Does Not Land

A missing deposit is frightening precisely because the money has left your bank while the balance shows nothing. In practice there are only four causes, and each has a fix.

First, a pending authorisation. Card deposits can be authorised by your bank but not yet captured by the operator — the hold sits on your card for zero to seventy-two hours. Check the cashier's transaction history first; a status marked pending means the operator has it and it will credit. Second, a wrong network or wrong address on a crypto transfer. A deposit sent on the wrong chain or without the required memo frequently cannot be recovered automatically; you will need to raise a ticket with the transaction hash, and recovery is possible but slow. Third, bank-side weekend delays on transfers that are not real-time rails. Fourth, a mismatch between the depositing account name and the account holder name, which compliance screens flag automatically.

The fix in every case is the same sequence: check the cashier history, wait out the stated pending window, then contact support with the timestamp, the amount and the reference. Operators among the ten compared here reply to transaction queries within a day in the great majority of cases, and a well-documented ticket — reference number included — resolves far faster than "my money is gone, help". What a stuck deposit almost never means is theft; rails log every movement, and the money is somewhere identifiable.

Why Your Deposit Route Shapes Your Withdrawal Route

Here is the rule that catches more players than any other at new accounts: anti-money-laundering policy requires withdrawals to return via the same rail the deposit used, wherever technically possible. Deposit with PayID and your cashout returns to the same PayID, usually inside the window the operator publishes. Deposit by card and the operator pushes the withdrawal back to that card — which many card issuers treat as a refund credit and process within one to five business days. Deposit by voucher and there is nowhere to return the money to, so the operator will ask you to nominate a bank transfer instead, adding identity checks and extra days.

This has two practical consequences. First, choose your deposit rail thinking about the exit, not just the entry — a fast, private deposit route that forces a slow, document-heavy withdrawal route is a bad trade. PayID wins on both ends for most Aussie players, which is why it dominates the cashout figures in the table above. Second, never mix rails on one account without expecting friction: deposit AU$50 by card, AU$200 by PayID, and the operator will apportion your withdrawal across both in proportion, each leg with its own processing time. New accounts should run one rail until the first successful withdrawal clears, then diversify if needed. Our separate page on the best new online casino fast payouts covers the cashout side in the depth it deserves.

Deposit Limits as a Budgeting Tool

Deposit limits are usually presented as a restriction, which undersells them badly. Set correctly, they are the single most useful budgeting instrument an account gives you, and every operator among the ten compared here offers them.

The typical structure is three dials: a daily cap, a weekly cap and a monthly cap. A sensible setup for a recreational player is a weekly cap around the amount you would happily spend on any entertainment — say AU$100 — and a monthly cap at roughly four times that. The mechanics matter: increases take effect after a cooling-off period, commonly twenty-four hours to seven days, while decreases apply immediately. That asymmetry is deliberate. It means the impulse to raise your cap in the middle of a session cannot act on itself, and it is the reason these caps hold where willpower alone does not.

Two finer points. First, caps apply per rail in some cashiers and per account in others — check which, because a AU$200 daily cap split across PayID and card can effectively double. Second, caps interact with bonuses: if your weekly cap is AU$50 and a deposit offer requires AU$60, the cashier will refuse the deposit rather than silently exceed your limit, which is exactly the behaviour you want. Players who treat the caps as a floor to work around rather than a ceiling to respect are the ones whose reviews later describe money trouble. Set the number on a calm Sunday, write it down, and let the system do the enforcing.

PayID and the New Payments Platform

PayID deserves its own section because it has become the default rail for Australian players, and for good reason. It is a bank-issued alias — a phone number, email or ABN linked to your account — riding the New Payments Platform, which clears transfers between participating institutions in seconds, twenty-four hours a day including weekends and public holidays. There is no card network taking a cut, no intermediary holding funds, and no separate app to install: the approval happens inside your existing banking app. Everything here applies on a phone too, with the differences set out in the new mobile casino best online casino guide.

On the deposit side, the flow is a push: you enter the amount at the cashier, your banking app opens or pings you, you approve, and the balance updates in under thirty seconds at the operators listed above. On the withdrawal side, the same rail carries the money back to your linked account, and because the identity is bank-verified already, operators rarely demand extra documents for a PayID cashout of ordinary size.

The limits of the system are worth knowing. Your bank sets the daily PayID cap, commonly AU$1,000 to AU$10,000 depending on the institution and your profile, and you can usually raise it in the app settings. Some banks require you to enable online gambling transactions explicitly before a first PayID push to a gaming merchant goes through. And while the rail itself is real-time, the operator's own approval queue still applies on the way out — a cashout requested at 3am waits for the next processing batch. For a deeper comparison of rails by speed, the payout page on this site handles withdrawals end to end.

Visa and Mastercard Deposits

Cards remain the most familiar option and, for many players, the fallback when their bank's PayID cap is too low. A Visa or Mastercard deposit credits the moment the issuer returns an approval — usually under a minute — and the amounts available are generous, with per-transaction ceilings at the ten operators compared here commonly running AU$2,000 to AU$5,000.

The hidden costs live in the details. Most Australian-issued cards treat a deposit to an offshore gaming operator as a purchase rather than a cash advance, which means no cash-advance fee — but this is issuer-dependent, and a minority of issuers classify MCC 7995 as a cash-equivalent transaction, applying a fee of around 3% plus immediate interest. Check your card's terms for the words "cash equivalent" before the first deposit; the difference is real money. Foreign transaction fees are the second trap: if the operator's merchant entity bills in USD or EUR rather than AUD, your card adds a 1% to 3% conversion margin, which is why the currency section below matters. For what is available before funding an account, see the best new online casino Australia no deposit bonus page.

The exit problem is the bigger one. Card withdrawals run back to the same card, and issuers process those refund-style credits in one to five business days. Players who want a same-day exit should deposit with a rail that supports one, and keep the card for top-ups only.

Prepaid Vouchers and Cash-Like Options

Neosurf and similar vouchers occupy a narrow but useful niche. You buy a voucher at a retail counter or online reseller with a fixed face value — AU$10, AU$25, AU$50, AU$100 — receive a code, and enter that code at the cashier. Nothing links back to your bank, no approval step exists to fail, and the deposit credits the moment the code validates.

The costs are the retail margin and the exit problem. Retailers and resellers typically charge 1.5% to 4% over face value, so a AU$50 voucher may cost AU$51.50 to AU$52. And because a voucher has no return address, a withdrawal after a voucher-only deposit must route elsewhere — operators handle this by asking you to nominate a bank transfer or crypto wallet, with the extra verification that implies. The sensible pattern, and the one experienced players follow, is voucher for the first cautious deposit, then PayID for everything after once the account is trusted and the first cashout has cleared.

Crypto Deposits in 2026

Crypto is the high-ceiling, low-fee rail when the network is quiet, and the slowest, priciest rail when it is not. Deposits work as a transfer from your own wallet or exchange to the address the cashier generates. The operator credits the balance after the required network confirmations — commonly one to three blocks, which means a few minutes on fast chains and up to an hour on congested ones. The scoring behind this order is explained in the live casino Australia guide.

The costs are network fees, which you pay directly, and they vary by the minute: a BTC transfer can range from under a dollar to AU$15 or more at peak, while stablecoin transfers on cheaper networks often cost cents. The ceilings are high — AU$10,000 and up per transfer at most of the ten operators compared here — which makes crypto the natural route for players whose bank caps are too restrictive.

Two cautions. First, the address-and-network pairing is unforgiving: funds sent on the wrong chain are recoverable only through a slow support ticket, and sometimes not at all. Second, the volatility question only applies if you hold the coin; if you buy the exact amount at deposit time and the operator converts on receipt, your exposure to price movement is minutes, not days. For players who want a review of which coins each operator accepts, the cashier listing in the comparison table above shows the current pairings.

E-Wallets and Where They Stand for Aussies

Globally, e-wallets are the dominant casino rail; in Australia they are the weakest leg. The major international wallets either do not service offshore gaming merchants for Australian accounts or require a funding route that ends up being a card or bank transfer anyway, which adds a step without adding speed. PayPal in particular does not process transactions to offshore gambling merchants in Australia, and no workaround exists that does not violate the wallet's own terms.

What remains useful are the smaller wallet providers some operators support, mainly as a bridge for players who keep balances in multiple currencies. For most Aussie readers the honest advice is that PayID plus a card plus a voucher covers every scenario an e-wallet would, at lower cost and with fewer account hoops. If a cashier offers a wallet you have never heard of alongside the familiar rails, treat the unfamiliar one with caution until you have read its fee schedule. The cost of play is broken down in online poker Australia.

Bank Transfers and the Old Rail

The traditional bank transfer still has a place, mostly at the high end. For deposits above what a card or PayID cap allows — think AU$5,000 and up — a direct transfer from your bank to the operator's account, evidenced by a reference number, is the rail that clears without argument. The trade-offs are speed and friction: standard transfers take one to three business days, the operator may ask for the remittance receipt, and first-time transfers above AU$10,000 often trigger a source-of-funds conversation under the operator's compliance policy. Nobody needs this rail for a AU$50 deposit, and using it for one is a common beginner mistake that adds days for no benefit.

Currency Conversion: AUD Accounts Versus Foreign-Denominated Ones

Most of the ten operators compared here let you hold and play in Australian dollars, which eliminates conversion at the deposit stage entirely. Where an operator bills its merchant entity in USD or EUR, your card issuer or bank applies a conversion margin of roughly 1% to 3%, and the exchange rate applied is theirs, not the one you checked. On a AU$500 deposit, the difference between an AUD-native account and a converted one is AU$5 to AU$15 every time — enough over a year of regular play to matter more than any deposit bonus percentage.

Check the currency shown at the final confirm screen, not the one on the promotions page. If the confirm screen quotes USD, the conversion margin applies. Choosing the safest online casino Australia has to offer includes this unglamorous check, because the fee hides in every transaction and never announces itself.

The Hidden Costs You Rarely See Until Checkout

Beyond the obvious, four quiet costs deserve naming. Currency conversion margins, covered above, are the largest. Inactivity fees — some operators deduct AU$5 to AU$10 per month after six to twelve months of no login — are the second, and they are legal but must be disclosed in the terms. Withdrawal fees per transaction, typically AU$0 to AU$5 depending on the rail and how many free cashouts the operator grants per month, are the third. The fourth is the bonus itself: a matched deposit with wagering attached ties up your deposit until the rollover clears, which is an opportunity cost rather than a fee but behaves like one.

None of these are secrets; all of them sit in the terms the checkout links to. The useful habit is reading the cashier's own fee line — one sentence — before the first deposit, because that line summarises 90% of what the fifty-page terms say about costs.

How Operators Verify Deposits and Accounts

Know-your-customer checks attach to the deposit flow at predictable thresholds. A first deposit rarely triggers anything beyond standard verification. The triggers that reliably do are: a cumulative deposit total crossing roughly AU$2,000, a first withdrawal request of any size, a deposit from a payment instrument in a different name, and any deposit followed immediately by a withdrawal request without meaningful play. How these operators were ranked is set out in our PayID pokies rundown.

Verification asks for the same short list everywhere:

• A photo ID — passport or driver's licence — with all corners visible
• A proof of address dated within the last three months, such as a utility bill or bank statement
• A photo or screenshot proving ownership of the payment instrument, with middle digits covered

Operators among the ten compared here complete document review in a few hours in ordinary cases and up to two business days at busy periods. Deposits made while verification is pending sit in the cashier as pending rather than being rejected, so nothing is lost — the balance simply unlocks when the review clears.

First Deposits Versus Reload Deposits

A first deposit carries more weight than any other, for three reasons. It sets the account's baseline for compliance review, so a modest, single-rail first deposit shortens every future check. It is the deposit most likely to qualify for the largest welcome offer — read the trigger amount before you confirm. And it is the deposit where new players most often overshoot, depositing more than intended because the interface makes AU$200 feel like AU$20.

Reload deposits, by contrast, are routine. The rail is already verified, the cards and accounts are linked, and the only decisions are amount and whether a reload offer is worth the attached wagering. A disciplined pattern many long-term players follow: first deposit small, second deposit after the first withdrawal has cleared, and reloads only against limits already set.

What Changes Above AU$1,000

Large deposits move you into a different compliance zone, and it helps to know the thresholds before you cross them. Up to roughly AU$1,000 per transaction, almost nothing changes from the small-deposit experience. Between AU$1,000 and AU$5,000, expect the operator's risk system to look at the source of funds if a matching withdrawal follows quickly; a screenshot of your bank balance or a payslip settles it. Above AU$5,000, or a cumulative total above roughly AU$10,000, source-of-funds documentation is standard, per-transaction card ceilings start to bind, and crypto or bank transfer becomes the practical rail. Offers that need no deposit at all are compared in best new free chips bonuses USA online casino.

Withdrawal windows also stretch with size: a AU$300 cashout may clear inside an hour, while a AU$10,000 cashout can carry a manual review of up to several business days even at fast operators. None of this is a problem if you plan for it — it becomes one only when a player assumes the small-deposit speed applies at every size.

Wagering Clauses and Your Deposit Balance

Wagering math is where deposits get quietly consumed, so one worked example is worth more than a page of rules. Deposit AU$100 and accept a AU$100 bonus at 35x wagering on the bonus: you must place AU$3,500 in bets before the bonus funds and their winnings convert to withdrawable money. At pokies contributing 100% and an average spin of AU$1, that is 3,500 spins. If you had declined the bonus, the AU$100 would have been withdrawable immediately.

Game weighting changes the arithmetic sharply: table games often contribute 10% or less, so wagering AU$3,500 on blackjack counts as AU$350 toward the requirement. The clause to always check is the maximum bet while wagering — commonly AU$5 to AU$10 per spin — because exceeding it can void the bonus and its winnings. Players who want the games with the best contribution rates should see our breakdown of the best new online casino games, which lists weighting by category.

Chargebacks and Why They End Accounts

A chargeback — asking your bank to reverse a card deposit — is the one deposit-related action with permanent consequences. Operators treat it as fraud by default: the account is closed, the balance is confiscated, and the details are shared across industry blacklists, which is why the same name cannot open a new account elsewhere. Legitimate disputes are handled through the operator's own complaints process, not the bank's. If a deposit was genuinely unauthorised, that is fraud by someone else and the bank is the right call — but a regretted deposit, a lost session dressed up as an unrecognised merchant charge, or a dispute over a bonus void is not, and the blacklist consequence is not negotiable. Use the operator's dispute channel and, if it stalls, the independent adjudicator named in their terms. Who runs these sites is covered in Bitcoin casinos.

Depositing From a Phone

Mobile deposits are now the majority, and the flow is optimised for it: PayID pushes open your banking app directly, card forms autofill from the browser, and voucher codes paste from a text message. The one mobile-specific failure is the abandoned session — starting a deposit in an app browser, switching apps, and returning to an expired cashier session. The deposit was never taken, but the abandoned authorisation can hold on a card for up to seventy-two hours. Finish the confirmation or cancel it explicitly.

For players comparing where to play on a phone, our review of the new mobile casino best online casino options covers app behaviour, and the mobile banking experience is part of that assessment rather than a separate afterthought.

Failed Deposits, Holds and Double Charges

Three failure patterns account for nearly every complaint. The instant decline is usually a bank block — MCC restriction, insufficient funds, or an unfilled 3-D Secure — and retrying with the same card never helps. The held-but-not-credited deposit was covered earlier; it resolves with patience or a ticket. The double charge is rarer and scarier: two identical authorisations appear for one deposit. This happens when the confirmation page times out and the player resubmits. Check the cashier history — if both show credited, one is an orphan authorisation that will drop off the card within the issuer's hold window, typically three to five business days. If only one shows credited and the other persists beyond a week, that is a ticket with the transaction references attached, and operators among the ten compared here reply quickly on orphaned-authorisation queries because their own logs prove the case.

When a cashier problem outlasts the standard channels, the quality of the operator's customer service becomes the deciding factor, and our support page rates exactly that: response times, resolution rates and how each operator handles money disputes.

Choosing Between Speed, Cost and Privacy

Every rail trades the three against each other, and the right choice depends on what you value. PayID wins on speed at both ends — deposits in under thirty seconds, cashouts in hours — with no fees and bank-level identity verification, at the cost of full transaction visibility to your bank. Vouchers maximise privacy and cost 1.5% to 4% at purchase, with a slow exit route. Crypto maximises ceilings and keeps banks out entirely, at the cost of network fees that swing and an unforgiving address format. Cards are the most familiar and the most middle-of-the-road: instant in, one-to-five-days out, occasional issuer fees.

The practical answer for most readers is PayID as the workhorse, a card as backup, and a voucher or crypto wallet configured before the day one of them is needed. A useful exercise: pick a hypothetical AU$50 deposit and trace it through the cashier at two or three of the operators in the table above, noting the fee line and the withdrawal route each would impose. Ten minutes of that teaches more than a dozen reviews of the best new online casino sites, because it is your bank, your limits and your habits in the equation.

A Worked Example: Brodie's AU$50 First Deposit

Abstract rules land better with numbers, so consider a hypothetical first-timer — call him Brodie, a player from Perth with AU$50 budgeted for July. His bank supports PayID with a AU$2,000 daily cap, so that is the rail. The operator's minimum is AU$20 and the welcome trigger is AU$30; Brodie deposits AU$50, clearing the trigger and claiming the match. His banking app asks for approval, he confirms at 7:42pm, and the balance shows the funds at 7:42pm — no fees on either side. The bonus credits with wagering of 35x on the bonus portion and free spins in daily batches, including a batch of spins on a pokie whose wild symbols and fortune-themed features he had been curious about. Response times and escalation routes are measured in the customer service page.

Three weeks later Brodie requests a AU$120 withdrawal. Because the deposit went in via PayID, the cashout returns via PayID, clears the operator's queue the next business morning and lands in his account the same day. Total cost of the entire cycle: AU$0. The contrast case is a card-only player with a 3% cash-equivalent issuer fee and a three-day refund window — same deposit, same win, AU$1.50 paid and days of waiting. The rail, not the operator, made the difference.

Reading the Cashier Before You Confirm

Every point in this page compresses into a thirty-second habit: read the confirm screen fully before pressing the button. It shows the amount, the currency, any fee, the bonus trigger status and the minimum and maximum for the rail. If anything on that screen contradicts what a review or the promotions page promised — a currency in USD, a fee line that appeared from nowhere, a trigger amount higher than advertised — stop and resolve it before depositing, because the confirm screen is the contract moment. Players who read reviews of operators like KingBilly, SkyCrown or Fair Go before signing up should apply the same scrutiny to the cashier itself; the two checks take under a minute together, and our directory of the best new online casino Australia real money operators links each brand to its current cashier terms.

Keeping Records of Every Transaction

Good records turn any dispute from a standoff into an open-and-shut case, and the habit costs almost nothing. Screenshot the confirm screen for every deposit and every withdrawal request — the timestamp, amount and reference are what support and, if needed, an adjudicator will ask for first. Keep the banking app's own transaction list as the second source, since it proves the money left your side independently of the operator's logs.

A monthly five-minute review closes the loop: reconcile deposits against play, confirm every withdrawal that was promised has landed, and check that no inactivity fee has appeared. Players who track their sessions against the best online pokies Australia listings tend to budget better as well, because the numbers stop being vibes and start being data. For anyone who enjoys writing about the experience, share your own review of an operator's cashier once you have a few cycles of history — the deposit-and-cashout details in those reviews are the most useful part for the next reader.

Where to Go Next on This Site

This page deliberately stays on the money side. For the full comparison of the ten operators — Wintino, KingBilly, Alawin, Golisimo, Ricky Casino, SkyCrown, King Johnnie, Joe Fortune, Fair Go and PlayCroco — the ranking page covers how they were ordered and why, and our roundup covering the top 10 online casino Australia real money market updates it each quarter. Bonuses live on their own page, games and payout speeds on theirs. Cross-referencing the cashier figures here with those pages takes a couple of clicks and gives the complete picture before the first deposit.

Final Word on Deposits, Costs and the Exit

Depositing is the easy half of the transaction; getting money back out is the half that separates a good operator experience from a bad one, and the deposit rail you choose today determines the withdrawal route you get later. Pick a rail that works in both directions — PayID for most Aussie readers — set your limits while the account is new, read the confirm screen every time, and keep the receipts. Do those four things and the hidden costs this page has catalogued stay hidden where they belong, in other people's badly planned deposits rather than yours. The comparison table above holds the current figures for the ten operators; this page holds the reasoning. Between the two, there is no reason for your first deposit to surprise you.