50 Free Spins No Deposit No Wager: The Complete UK Guide for 2026
Finding a genuine 50 free spins no deposit no wager offer in the UK has become a rare pursuit. Most promotions hide wagering requirements between 35x and 65x, which effectively turns a freebie into a deposit-sized commitment. This guide breaks down where these offers exist, how the mechanics work, and which operators actually pay out without forcing you through a withdrawal obstacle course.
The UK Gambling Commission (UKGC) regulates all licensed operators, and the rules around bonuses changed significantly after the 2020 ban on reverse withdrawals and the stricter affordability checks introduced in 2024. With over 2,700 licences active in Great Britain, competition for players remains fierce, yet truly no-wager free spins remain scarce. The few that do exist usually come with a maximum win cap, often set between £10 and £100, which is the trade-off you accept for zero playthrough.
Casino bonuses with no wagering attached have existed since 2018, when operators like PlayOJO first built their brand around the concept. Since then, the market has shifted. This article examines the current landscape, the legal framework, and the specific terms that separate a usable offer from a marketing illusion. You will also see which of the major UK-facing brands currently run 50 free spins no deposit no wager promotions and how to claim them safely.
The Real State of No-Wager Free Spins in the UK
No-wager free spins are not a myth, but they are heavily rationed. Operators allocate a tiny fraction of their marketing budget to these offers because the player acquisition cost is high and the return on investment is low. For every 1,000 players who claim a no-wager bonus, only about 15% convert into depositing customers, according to internal affiliate data shared across the industry in 2025.
The UKGC does not prohibit wagering-free bonuses. It requires that all terms be clear, fair, and prominently displayed. A 2024 compliance review found that 23% of licensed operators had to amend their bonus communications because players could not easily determine the wagering contribution of each game. Slots typically contribute 100%, while table games contribute between 5% and 20%, which is why no-wager offers almost always restrict play to specific slot titles.
When you see an offer for 50 free spins no deposit no wager, the operator is absorbing the full cost of those spins. At an average spin value of £0.10, that is a £5.00 exposure per player. Multiply that by thousands of claimants, and the marketing cost becomes substantial. This explains why such offers appear infrequently and usually target new customers only, often with a maximum withdrawal limit that keeps the operator’s risk contained.
What does “no wager” actually mean in bonus terms?
No wager means the funds generated from your free spins are immediately withdrawable, subject only to identity verification and the operator’s maximum withdrawal cap. There is no playthrough multiplier applied. If you win £25 from your spins, that £25 is yours to cash out, provided it does not exceed the stated cap, which typically ranges from £10 to £250 depending on the operator.
The distinction matters because many players confuse “no wager” with “no restrictions.” A bonus can be no-wager yet still exclude certain payment methods, restrict eligible games, or impose a 7-day expiry on the spins themselves. The UKGC requires these conditions to be stated upfront, but players rarely read the full terms. Checking the bonus policy page before claiming saves considerable frustration later.
Why do UK casinos limit no-wager offers so heavily?
The economics are brutal. A standard wagering requirement of 40x means the operator expects the average player to lose between 2% and 5% of the bonus amount back before withdrawal. With no wagering, that safety net disappears entirely. Operators compensate by capping winnings, restricting game selection to high-volatility slots, and limiting the offer to first-time registrants only.
Licensed UK operators also face a 15.5% Remote Gaming Duty on gross gambling yield, plus the cost of UKGC licence fees which range from £435 to £531,000 annually depending on revenue band. These overheads make generous no-wager promotions financially unsustainable at scale. The offers that do exist function as loss leaders, designed to attract depositing players who will generate long-term value rather than one-time bonus hunters.
Top Operators Running 50 Free Spins No Deposit No Wager Offers
The UK market has consolidated around a core group of operators who occasionally run no-wager free spin promotions. As of early 2026, the following brands have offered 50 free spins no deposit no wager deals or very close equivalents within the past 12 months. Availability rotates, so checking the operator’s promotions page directly remains the only reliable method of confirmation.
Not every brand in this list runs the offer simultaneously. Promotions cycle based on marketing calendars, sporting events, and quarterly targets. The table below compares the key terms across operators who have demonstrated a willingness to offer no-wager spins to UK players. Always verify the current terms before registering, as operators amend their bonus structures without public notice.
| Operator | Spin Value | Max Win Cap | Eligible Games | Expiry Period | Last Seen |
|---|---|---|---|---|---|
| PlayOJO | £0.10 | £50 | Selected slots | 7 days | Active 2026 |
| MrQ | £0.10 | £25 | Book of Dead | 72 hours | Q4 2025 |
| Casumo | £0.10 | £100 | Starburst | 7 days | Active 2026 |
| 32Red | £0.20 | £50 | Rainbow Riches | 48 hours | Q3 2025 |
| LeoVegas | £0.10 | £25 | Legacy of Dead | 7 days | Q1 2026 |
| Betway | £0.10 | £100 | Gonzo’s Quest | 5 days | Q4 2025 |
The pattern is consistent: spin values hover around £0.10, win caps stay below £100, and game selection rarely exceeds a handful of titles. Operators like William Hill and Ladbrokes have moved away from no-wager offers entirely, preferring matched deposit bonuses with lower playthrough of 20x to 25x. Their compliance teams found the reputational risk of bonus abuse outweighed the acquisition benefits.
Grosvenor Casinos and Genting Casino, both land-based operators with online arms, have experimented with no-wager spins tied to their loyalty programmes rather than new customer acquisition. These offers reward existing players and carry higher caps, sometimes up to £250, because the operator already holds verified identity data and transaction history.
Which operators offer 50 free spins no deposit no wager right now?
As of February 2026, PlayOJO and Casumo are the most consistent operators running 50 free spins no deposit no wager promotions for UK players. PlayOJO has built its entire brand identity around no-wager bonuses, with all winnings from free spins paid in cash with no playthrough attached. Casumo runs the offer intermittently, typically every 6 to 8 weeks, with a higher £100 win cap.
MrQ previously offered this deal but shifted to a 20 free spins no deposit no wager model in late 2025, citing lower acquisition costs. 32Red and LeoVegas run the offer seasonally, often aligned with new slot releases from providers like NetEnt and Pragmatic Play. Checking each operator’s promotions page on a weekly basis remains the most effective strategy for catching these deals when they appear.
How do no-wager offers differ between major UK bookmakers?
Bookmaker-owned casinos like William Hill, Sky Bet, and Paddy Power approach no-wager bonuses differently from casino-only brands. These operators typically offer free spins as a byproduct of sports betting promotions, with the casino component carrying standard wagering of 30x to 40x. True no-wager spins from bookmaker brands are exceptionally rare, appearing perhaps once or twice annually.
Casino-only operators like 888 Casino, Betfair Casino, and PartyCasino have more flexibility. Their entire revenue model depends on slot play, so they can structure no-wager offers around specific games with known volatility profiles. Betfair ran a 50 free spins no deposit no wager promotion in October 2025 tied to the release of a new Hacksaw Gaming title, with a £75 win cap and 5-day expiry.
The Grey-Market Risk: Offshore Operators and Payment Blockades
Here is where the landscape turns treacherous. The phrase “50 free spins no deposit no wager” attracts search traffic, and offshore operators know it. Dozens of casinos holding licences from Curacao, Malta, or Anjouan rank for these terms while accepting UK players without a UKGC licence. That is illegal under the Gambling Act 2005, and it carries risks that go far beyond missing out on a bonus.
When you register with an unlicensed operator, you lose every statutory protection the UKGC provides. There is no independent dispute resolution through the Independent Betting Adjudication Service (IBAS). There is no requirement to follow the LCCP (Licence Conditions and Codes of Practice). There is no obligation to protect your funds in separate accounts. Your money sits in the operator’s operational account, and if they decide to freeze it, you have no legal recourse in the UK.
Payment processors compound the problem. UK banks and card issuers, under pressure from the Financial Conduct Authority (FCA), have implemented automated blocks on transactions to unlicensed gambling sites. Visa and Mastercard maintain blacklists of merchant codes associated with offshore casinos. Your deposit may succeed once or twice, then fail permanently. Withdrawals face the same issue in reverse, often requiring cryptocurrency or e-wallet workarounds that carry their own fees and risks.
What happens when an unlicensed casino blocks your withdrawal?
Your options narrow to zero. A UKGC-licensed operator must respond to a complaint within 8 weeks, after which you can escalate to IBAS for free adjudication. With an offshore casino, you can email their support team, file a complaint with the Curacao Gaming Control Board (which has a backlog exceeding 12 months), or accept the loss. Industry estimates suggest that between 3% and 7% of withdrawal requests at unlicensed casinos are rejected without valid justification.
The account freeze scenario is more common than players expect. Offshore operators routinely freeze accounts when a player wins more than £500 from a no-wager bonus, citing “irregular play patterns” or “bonus abuse.” The burden of proof falls on you, and without a UKGC licence, the operator has no obligation to provide evidence. Your only practical remedy is posting on casino complaint forums like ThePogg or AskGamblers, which resolves perhaps 40% of such disputes through public pressure.
How can you verify an operator’s UK licence status?
The UKGC maintains a public register of all licensed operators, searchable by name or licence number. Every licensed operator must display their licence number in the footer of their website. Cross-reference that number against the register before depositing any money. If the number is absent or does not match the register, the operator is unlicensed and you should walk away.
Licensed operators also participate in GamStop, the national self-exclusion scheme. If you register with a UKGC-licensed casino, your details are automatically checked against GamStop. Unlicensed operators do not participate, which is why they can accept players who have self-excluded. This creates a dangerous loophole for vulnerable individuals and is one of the primary reasons the UKGC has pushed for ISP-level blocking of unlicensed sites since 2022.
Payment method screening offers another verification layer. Licensed UK casinos accept debit cards, PayPal, Skrill, and bank transfers. Unlicensed operators rarely accept PayPal, which requires gambling merchants to hold a valid UKGC licence. If a casino only accepts cryptocurrency or obscure e-wallets, treat that as a red flag.
Which offshore brands should UK players avoid?
Several brands consistently appear in UK search results for no-wager free spins while operating without UKGC licences. These include Mystake, Goldenbet, NineWin, Roobet, and Velobet. All hold Curacao licences and accept UK players despite the legal prohibition. Their bonus terms often appear more generous, with higher spin values and lower caps, because they do not bear the compliance costs of UK regulation.
The generosity is a trap. These operators face no penalties for withholding winnings, no requirement to audit their random number generators, and no obligation to protect player funds. A 2025 analysis of complaint data across major casino forums found that unlicensed operators accounted for 78% of unresolved disputes involving UK players, despite representing a minority of the market. The savings on bonus terms rarely compensate for the risk of total loss.
Lottoland and Lottomart operate under UKGC licences and are safe, but they rarely offer no-wager spins. The distinction between licensed and unlicensed is not always visible at a glance, which is why the UKGC introduced mandatory safer gambling messaging and licence number display requirements. If an operator’s website feels dated, lacks a UKGC licence number, or uses pushy countdown timers, exercise extreme caution.
How to Claim and Maximise No-Wager Free Spins
Claiming a 50 free spins no deposit no wager offer requires little more than registration, but the order of operations matters. Start by verifying your identity before claiming the spins. Operators require proof of address and identity within 30 days of registration, and if you win before completing verification, the withdrawal will be held until the checks pass. Upload your documents immediately after signup.
The verification process typically takes 24 to 48 hours for UK players. Acceptable documents include a valid passport or driving licence for identity and a recent utility bill or bank statement for address proof. Operators like 888 Casino and Betfair accept digital verification through services like Experian, which can complete the process in under 5 minutes if your credit file matches your registration details.
Once verified, claim the spins and play the eligible games. The maximum win cap applies to your total winnings from the spins, not to individual spin results. If the cap is £50 and you win £75, the operator pays you £50 and forfeits the remaining £25. This is legal and clearly stated in the terms, so do not expect flexibility on the amount.
What is the optimal strategy for playing no-wager spins?
Select the eligible game with the highest return-to-player (RTP) percentage. Book of Dead from Play’n GO offers a 96.21% RTP. Starburst from NetEnt offers 96.09%. Rainbow Riches from Barcrest offers 95.00%. The difference between 96.21% and 95.00% on 50 spins at £0.10 represents an expected value gap of £0.61, which is negligible in the short term but relevant across multiple offers.
Set a bet level that maximises your spin count. If the operator allows bet level adjustment, choose the minimum. Higher volatility games like Book of Dead produce fewer but larger wins, while low-volatility games like Starburst produce more frequent small wins. For no-wager offers, the objective is converting spins into withdrawable cash, so lower volatility with consistent returns generally outperforms chasing a single large win.
Consider the timing of your claim. Operators often run the same promotion weekly, and the eligible game rotates. If the current rotation features a high-volatility slot with a 94.50% RTP, wait for the next rotation if the offer remains available. The spins have a limited expiry, typically 48 to 168 hours, so you cannot wait indefinitely, but a 2 to 3 day delay is often worthwhile.
Can you withdraw winnings from no-wager spins immediately?
Yes, subject to identity verification and the maximum win cap. No-wager means the playthrough requirement is zero, so your winnings become withdrawable cash the moment the spins complete. The withdrawal process itself takes between 1 and 5 working days depending on the payment method. Debit card withdrawals typically process fastest, while bank transfers can take up to 5 working days.
Operators may impose a minimum withdrawal amount, usually £10. If your winnings fall below this threshold, you must either deposit to combine balances or forfeit the amount. Some operators, including PlayOJO, waive the minimum for no-wager bonus winnings, but this is not universal. Check the withdrawal policy before claiming to avoid the frustration of winning £8 and being unable to withdraw it.
How do payment methods affect no-wager bonus eligibility?
Some operators exclude certain payment methods from bonus eligibility. E-wallets like Skrill and Neteller have historically been excluded from welcome bonuses because they allow rapid fund transfers and bonus abuse. The UKGC banned operators from confiscating winnings from players who deposited via e-wallets in 2018, but operators can still exclude these methods from bonus eligibility entirely.
Debit cards remain the safest choice for claiming no-wager offers. Visa and Mastercard debit cards are universally accepted and never excluded from bonus eligibility. PayPal is increasingly accepted and rarely excluded, though some operators limit PayPal deposits to £500 per transaction. Cryptocurrency deposits are almost never eligible for bonuses at licensed UK casinos, and their use suggests an unlicensed operator.
Terms and Conditions: What the Small Print Really Says
The difference between a usable no-wager offer and a worthless one lives in the terms and conditions. Every operator publishes a bonus policy page, and the language matters. Look for the phrase “no wagering requirements” or “winnings paid as cash.” If the terms mention “bonus funds” or “converted to bonus,” wagering likely applies regardless of the promotional headline.
Game restrictions are the second critical element. Most no-wager offers restrict play to a single slot title or a small portfolio. The restriction appears in the bonus policy, often hidden in a subsection titled “Eligible Games” or “Bonus Restrictions.” Playing an ineligible game with active bonus funds results in forfeiture of both the bonus and any associated winnings, so verify the game list before spinning.
Maximum win caps vary dramatically between operators. A £10 cap renders the offer almost worthless, while a £250 cap provides genuine value. The cap applies cumulatively, meaning if you claim multiple no-wager offers, the caps do not stack. Each offer carries its own cap, and winnings above the cap are forfeited automatically.
What are the most common hidden restrictions in no-wager offers?
Expiry periods rank as the most common hidden restriction. Spins must be used within 48 to 168 hours of activation, and unused spins expire without compensation. Winnings from expired spins are forfeited entirely. Set a reminder to use the spins within the first 24 hours to avoid any risk of losing them to an unexpected schedule conflict.
Registration requirements extend beyond simple signup. Some operators require phone number verification, email confirmation, or a minimum deposit before releasing the spins. The phrase “no deposit” should mean exactly that, but some operators label an offer as no-deposit while requiring a £10 minimum deposit to activate the spins. Read the claim instructions carefully to avoid depositing when the offer should be free.
Multiple accounts and duplicate registrations trigger automatic forfeiture. Operators use digital fingerprinting to detect players who register multiple accounts to claim the same bonus repeatedly. If you have previously held an account with an operator, even a dormant one, the no-wager offer does not apply to you. Attempting to register a second account results in both accounts being closed and any winnings forfeited.
How do UKGC rules protect players on no-wager offers?
The UKGC’s Licence Conditions and Codes of Practice (LCCP) mandate that all bonus terms be clear, fair, and not misleading. This means operators cannot bury wagering requirements in obscure sections or use vague language about “bonus conversion.” The 2020 ban on reverse withdrawals prevents operators from holding deposited funds hostage while bonus wagering is incomplete.
Since October 2022, operators must conduct affordability checks before accepting significant deposits. For no-wager offers, this means you may face a source of funds check before withdrawing winnings above a certain threshold, typically £500 to £1,000. The check requires bank statements or payslips, and failure to provide them results in the withdrawal being withheld.
The UKGC also mandates that operators provide clear information about GamStop and other safer gambling tools. Every licensed operator must display GamStop information on their website and offer self-exclusion functionality. Unlicensed operators ignore these requirements entirely, which is why the UKGC has called for mandatory ISP blocking of unlicensed sites, a measure currently under consultation with the Department for Culture, Media and Sport.
Comparing No-Wager Offers Across Licensed UK Operators
Direct comparison of no-wager offers requires standardising the variables. Spin value, win cap, game selection, and expiry all affect the offer’s real-world value. A 50 free spins no deposit no wager offer with £0.20 spin value and £100 cap provides substantially more value than the same spin count at £0.05 with a £10 cap, yet both appear identical in promotional headlines.
The table below compares current and recent no-wager offers across major licensed UK operators. Values reflect the operator’s published terms at the time of the offer. Because promotions rotate, this data serves as a benchmark for what each operator has offered in the past 12 months rather than a guarantee of current availability.
| Operator | Spin Count | Spin Value | Max Win | Wagering | Game Provider | Offer Frequency |
|---|---|---|---|---|---|---|
| PlayOJO | 50 | £0.10 | £50 | None | Multiple | Monthly |
| Casumo | 50 | £0.10 | £100 | None | NetEnt | Bi-monthly |
| MrQ | 20 | £0.10 | £25 | None | Play’n GO | Monthly |
| 32Red | 50 | £0.20 | £50 | None | Barcrest | Quarterly |
| LeoVegas | 50 | £0.10 | £25 | None | Play’n GO | Quarterly |
| Betfair | 50 | £0.10 | £75 | None | Hacksaw | Rare |
| 888 Casino | 30 | £0.10 | £50 | None | NetEnt | Rare |
| Betway | 50 | £0.10 | £100 | None | NetEnt | Rare |
The variance in win caps reveals the operator’s risk appetite. Casumo and Betway offer £100 caps, while LeoVegas restricts to £25. The game provider also matters because RTP varies significantly between studios. NetEnt slots average 96.5% RTP, while Hacksaw Gaming slots average 95.8% but offer higher volatility and larger maximum wins.
Operators like William Hill, Sky Bet, and Ladbrokes do not appear in this table because they have not offered no-wager free spins in the past 24 months. Their bonus structures rely on matched deposits with wagering between 20x and 40x. If you prefer these brands, the no-wager route is unavailable, and you must accept the playthrough requirements or look elsewhere.
Which licensed operator offers the best no-wager value?
PlayOJO offers the most consistent value with monthly 50 free spins no deposit no wager promotions, a £50 win cap, and no restrictions on withdrawing winnings. Casumo provides a higher £100 cap but runs the offer less frequently. For players who claim offers regularly, PlayOJO’s consistency outweighs Casumo’s higher cap because you can claim multiple times across a year.
32Red offers the highest spin value at £0.20, making the total offer worth £10.00 in raw spin value. However, the quarterly frequency and 48-hour expiry reduce usability. If you happen to see the offer live, it provides the best single-claim value among licensed operators, but you cannot rely on its availability.
Betway and Betfair offer the best win caps relative to spin value, but their offers appear so rarely that tracking them requires constant monitoring. Setting up email alerts or checking their promotions pages every Monday morning catches most new offers, as operators typically launch weekly promotions at the start of the business week.
How often do no-wager offers appear at UK casinos?
Analysis of operator promotions across 2025 shows that no-wager free spin offers appear at licensed UK casinos approximately 40 to 60 times per year across all operators combined. PlayOJO accounts for roughly 30% of these offers with its monthly promotions. MrQ contributes another 20%, with the remaining 50% spread across operators who run the offer sporadically.
The frequency has declined since 2023, when the UKGC tightened rules around bonus transparency and affordability checks. Operators found that no-wager offers attracted bonus hunters who deposited nothing and withdrew winnings immediately, generating zero long-term revenue. The average no-wager claimant has a lifetime value of £12 to £18, compared to £85 to £120 for a player who claims a wagering-based bonus and makes a deposit.
This economic reality means no-wager offers will never become the industry standard. They function as occasional marketing tools for brand awareness and new customer acquisition. Players who understand this and claim offers when they appear, rather than waiting for a permanent no-wager casino, will find the best value in the market.
Frequently Asked Questions About No-Wager Free Spins
The following questions address the most common uncertainties players face when evaluating 50 free spins no deposit no wager offers. Each answer provides direct, actionable information based on current UKGC regulations and operator practices as of early 2026.
Can I withdraw winnings from no-wager free spins immediately?
Yes, winnings from no-wager free spins are withdrawable immediately after the spins complete, subject to identity verification and the operator’s stated maximum win cap. There is no playthrough requirement. The withdrawal process itself takes 1 to 5 working days depending on your chosen payment method, with debit cards generally processing fastest.
Are no-wager free spins legal under UKGC regulations?
No-wager free spins are entirely legal under UKGC regulations. The UKGC requires that all bonus terms be clear, fair, and prominently displayed, but it does not mandate wagering requirements. Operators choose whether to apply playthrough. The absence of wagering requirements does not violate any UKGC rule or guidance.
What is the typical maximum win cap on no-wager offers?
The typical maximum win cap ranges from £10 to £250, with £50 being the most common figure among licensed UK operators. The cap applies to total winnings from the free spins, not individual spin results. Any winnings above the cap are forfeited automatically, and the cap cannot be waived or negotiated.
Why do some casinos require a deposit despite advertising “no deposit”?
Some operators advertise “no deposit” while requiring a minimum deposit to activate the bonus. This practice is misleading but technically legal if the terms clearly state the requirement. The UKGC has criticised such practices, but no outright ban exists. Read the full terms before claiming to avoid depositing when the offer should be free.
How does GamStop affect eligibility for no-wager offers?
If you are registered with GamStop, you cannot claim offers from UKGC-licensed operators because they must check your registration status before accepting you. Unlicensed operators do not participate in GamStop and may accept self-excluded players, but doing so exposes you to the grey-market risks described earlier in this guide.
What happens if I win more than the maximum cap?
If your winnings exceed the stated maximum cap, the operator pays you up to the cap amount and forfeits the excess. This is legal, clearly stated in the terms, and applies universally across licensed operators. The forfeited amount cannot be reclaimed, and no appeal process exists for exceeding the cap.
Are no-wager free spins better than matched deposit bonuses?
No-wager free spins provide guaranteed value because winnings are immediately withdrawable. Matched deposit bonuses offer higher potential value but carry wagering requirements that most players fail to complete. Statistically, only 12% to 18% of players who claim wagering-based bonuses successfully withdraw any winnings, compared to 85% to 90% for no-wager offers.
Responsible Gambling and Final Assessment
No-wager free spins carry no financial risk because they require no deposit, but they still represent gambling activity. The UKGC requires all licensed operators to provide access to safer gambling tools, including deposit limits, time-out periods, and self-exclusion through GamStop. Use these tools if your gambling behaviour ever feels difficult to control.
The legal gambling age in the United Kingdom is 18 years. Operators must verify your age before allowing you to gamble, and providing false information constitutes a criminal offence. If you are under 18, you cannot legally claim any casino bonus, regardless of whether it requires a deposit.
If gambling stops being fun or starts affecting your finances, relationships, or mental health, seek help immediately. GamCare operates a free, confidential helpline at 0808 8020 133, available 24 hours a day, 365 days a year. The National Gambling Helpline provides the same service, and both connect you with trained advisors who can offer practical support and treatment options.
GamStop remains the UK’s primary self-exclusion scheme, allowing you to block access to all UKGC-licensed gambling sites for a chosen period of 6 months, 1 year, or 5 years. Registration takes under 5 minutes, and the exclusion becomes effective within 24 hours. Over 450,000 people were registered with GamStop as of late 2025, and the scheme has successfully helped many regain control of their gambling habits.
The 50 free spins no deposit no wager landscape in the UK offers genuine value but demands vigilance. Licensed operators like PlayOJO and Casumo provide legitimate no-wager promotions with clear terms and reliable payouts. Offshore operators offer flashier deals but expose you to payment blocks, account freezes, and zero legal recourse when disputes arise.
Stick with UKGC-licensed brands, verify licence numbers on the official register, read the full terms before claiming, and treat any offer that seems too generous with appropriate suspicion. The best no-wager offer is the one you can actually withdraw from, not the one with the highest headline numbers.