200 Free Spins No Deposit Australia 2026: The Operator List, the Wagering Maths and the Legal Fine Print

A “200 free spins no deposit” banner in Australia is a bit like a free sample at a pharmacy. You walk in for the sample. You walk out with a receipt for something you did not plan to buy. The spins are real, in the sense that they exist in the promotional system. The “no deposit” part is also technically accurate. What the banner does not mention is the wagering multiplier, the maximum cashout ceiling, the game weighting table and the fact that the operator issuing the bonus almost certainly holds a Curacao licence rather than anything Australian.

This guide is not a cheerleading page for spin counters. It is a breakdown of what a 200-spin offer actually contains in 2026, which Australian-facing operators run packages in that range, what the legal position is under the Interactive Gambling Act 2001, and how the payout rail you choose — PayID, crypto, e-wallet — changes the experience from “instant” to “pending until further notice.”

The short version: a genuine 200-spin no-deposit bonus with zero strings is about as common as a punter who reads the terms page before clicking “claim.” Most “200-spin” packages are not 200 no-deposit spins at all. They are deposit-triggered spin allocations dressed up with a no-deposit starter slice. Understanding that distinction is the difference between a $20 taste of a Pragmatic Play title and an $8,000 turnover commitment you did not sign up for.

The 200-Free-Spin Offer in 2026: What “No Deposit” Actually Buys You

A no-deposit bonus is credit or spins credited for registering, without a payment up front. The “200” figure is usually the total spin count across a package, not 200 spins landing in your account the second you verify an email. The cash component — often advertised as “up to $200” — is a separate line item, and in most tiered structures the no-deposit slice is a fraction of that headline number. A typical build is $20 on registration, $30 after mobile verification, and the remaining $150 after a first deposit of $20 or more. Read the word “up” in “up to $200.” It is doing a lot of work.

Spin value is the other quiet variable. A 200-spin package at $0.10 per spin represents $20 in total stake. The same 200 spins at $0.50 per spin represent $100. Operators rarely put the spin value in the headline, and the gap between those two packages is a factor of five. A $20 stake package with a $100 max cashout is not the same product as a $100 stake package with a $500 cap, even if both say “200 free spins” in 48-point type.

The delivery schedule matters too. Batches are standard. A typical structure credits 20 spins per day for 10 days, or 50 spins per day for four days. Daily crediting reduces the operator’s exposure if a player hits something large on day one and never returns. It also keeps you logging in, which is the actual acquisition goal behind the “free” language.

Why the $200 Headline Rarely Survives the Terms

The $200 figure is almost always a maximum bonus cash amount, not a guaranteed credit. Some operators do credit the full amount as a single bonus balance, but the tiered model is far more common. The no-deposit portion is frequently the smallest slice — sometimes as little as $10 or $20 — while the larger balance unlocks only after a deposit. If the wording says “up to $200,” the no-deposit component is the floor, not the ceiling.

Then comes the wagering requirement. A $200 bonus at 40x means $8,000 in total bets before any withdrawal. At 30x, it is $6,000. Free spin winnings often carry a higher multiplier than the cash portion, sometimes 40x to 60x on the spin winnings alone. A modest $30 spin result at 60x becomes an $1,800 betting obligation. The two figures are frequently different, and they are always worth reading separately.

Game contribution is the third trap. Pokies usually count 100% toward wagering. Table games such as blackjack and roulette often count 10% or less. Live dealer titles from Evolution frequently contribute nothing at all. A $6,000 requirement on a 100%-contributing pokie means $6,000 of bets. The same requirement on a 10% table game means $60,000 of action. That gap is the single biggest reason players who “grind the wrong category” never see a withdrawal.

How Wagering Maths Turns a “Gift” Into a Turnover Obligation

Here is the arithmetic in one place. At a 96% RTP pokie, the house keeps roughly $4 of every $100 wagered. Run $8,000 through a 40x requirement and the expected loss is around $320 before you withdraw a cent. The “free” bonus has a built-in cost, and the cost is paid in turnover, not in a deposit.

This is not a scandal. It is the business model. An offshore casino operating under a Curacao licence pays a fraction of what an Australian-licensed venue pays in taxes, compliance staff and responsible gambling infrastructure. That gap funds the bonus budget. A cost-per-acquisition target of $80 to $250 per depositing player makes a $200 no-deposit offer a rational spend if even one in twenty claimants converts into a depositor. The other nineteen cost nothing but server time and a bonus balance that mostly expires unused.

The practical takeaway is not “never claim a no-deposit bonus.” It is “value the offer by the withdrawable amount after wagering, not by the headline.” A 200-spin package with 30x wagering on a 96% RTP slot and a $200 cashout cap is a fundamentally different product from a 200-spin package with 60x wagering and a $50 cap. Same spin count. Different animal.

Top Australian-Facing Casinos With 200-Spin-Style Packages in 2026

No Australian-licensed operator can legally offer you a no-deposit casino bonus, because no Australian licence exists for online casino play at all. Everything in this section comes from offshore entities licensed in Curacao, Anjouan or Kahnawake. That single fact shapes every right you do and do not have. The operators below are ranked on the basis of published terms, spin value transparency, payout infrastructure relevant to Australian players, and the realism of their wagering conditions — not on the size of the headline number.

BitStarz — The Crypto Pioneer With a Deep Pokie Bench

BitStarz has been the reference point for Australian-facing crypto casinos for years, and its free-spin offers reflect that maturity. The headline no-deposit offer is usually smaller than 200 spins — 50 spins on Gold Rush, no code required, is a common entry point. The 200-spin territory appears in the welcome package, where spins are bundled across the first four deposits alongside a match bonus that can reach 5 BTC or the fiat equivalent. The spin value and game eligibility are published, which is not universal in this segment.

What separates BitStarz is the payout rail. Crypto withdrawals are processed quickly by offshore standards, and the operator has a long track record of paying without the “pending review” theatre that smaller Curacao brands use to buy time. The trade-off is that the 200-spin allocation is deposit-dependent, not a pure no-deposit drop. If you want the full spin count, you are funding an account. If you want a genuine no-deposit taste, expect 50 spins, not 200.

King Billy — The Multi-Deposit Spin Drip

King Billy runs a four-deposit welcome package with 200 spins allocated across the first two deposits in many configurations. The no-deposit component, when it appears, is a small starter slice rather than a 200-spin instant credit. The spin drip is the defining feature: batches released over time, tied to nominated slots, with wagering commonly set at 30x on the bonus and separate conditions on spin winnings.

The King Billy brand has been in the Australian-facing market long enough to have a paper trail. That cuts both ways. It means the terms are relatively stable and the payment history is documented. It also means the “200 free spins no deposit” language on affiliate pages often overstates what the direct offer contains. Read the bonus page on the casino itself, not the comparison site that sent you there.

National Casino — The Pragmatic Play Workhorse

National Casino’s welcome structure is a four-deposit package, typically 100% match up to AUD 500 on the first deposit plus free spins, followed by 50% matches on deposits two through four. The 200-spin figure appears in the broader promotional calendar and in affiliate headline packages, but the direct no-deposit slice is usually smaller. Wagering sits at 40x on the bonus amount, with some free-spin winnings carrying a separate 40x condition on the winnings themselves.

The game library leans heavily on Pragmatic Play, Hacksaw Gaming and NetEnt, which matters because the free spins are almost always locked to titles from those studios. If you do not enjoy Pragmatic’s volatility profile, a 200-spin package on a Pragmatic title is less useful than it looks. National Casino’s payout infrastructure supports crypto and standard e-wallets, and the operator publishes a responsible gambling toolkit that includes deposit limits and self-exclusion options.

Hellspin — The Spin-Value Realist

Hellspin’s free-spin offers typically carry a fixed value in the $0.10 to $0.20 per spin band, and the winnings land in the bonus balance subject to the same wagering as the deposit match. The welcome package is usually a 100% match plus a spin allocation rather than a pure no-deposit 200-spin drop. The “instant free spins on sign up” pitch is a zero-cost entry point, but the real value sits in the deposit-triggered portion.

Where Hellspin deserves credit is transparency on spin value. Many operators bury the per-spin stake in the terms. Hellspin’s published structure makes it easier to calculate the actual stake value of the package before you commit. That is a low bar, but it is a bar many competitors fail to clear.

Ozwin — The Aussie-Themed Curacao Regular

Ozwin has built a niche with Australian-facing branding and a Curacao licence. The no-deposit offers surface periodically, often as 50-spin or 100-spin drops rather than a flat 200-spin credit. The deposit welcome package is where the larger spin allocations live, and wagering on free-spin winnings is commonly in the 30x to 40x range depending on the promotion.

PayID is supported, which matters for Australian players who do not want to share card details with an offshore entity. The payout queue is standard for the segment: crypto is faster, e-wallets sit in the middle, bank transfer is the slow lane. Ozwin’s terms are not the most transparent in the market, but the brand has been operating long enough to have a documented payment history.

Fair Go — The Veteran With Intermittent No-Deposit Drops

Fair Go is one of the older Australian-facing offshore brands, and its promotional model leans on deposit matches and free spins on selected pokies rather than permanent no-deposit 200-spin packages. No-deposit codes appear intermittently, often during holiday cycles or as time-limited campaigns. A code like BUBBLE15 has historically unlocked 15 free spins, which is a useful benchmark for the real size of “no-deposit” offers at established brands.

The trade-off with a veteran operator is predictability versus freshness. Fair Go’s terms are relatively stable, and the brand has a long enough history that player disputes have a paper trail. The flip side is that the promotional calendar is less aggressive than newer entrants fighting for market share.

Rocket Casino & Winspirit — The Tiered Welcome Builders

Rocket Casino and Winspirit both run welcome structures where the no-deposit component is a fixed slice and the larger figure depends on subsequent deposits. Winspirit’s published terms have included 120-spin allocations at $0.20 per spin with 40x wagering, which gives a clearer picture of the real stake value than a vague “200 spins” headline. Rocket Casino’s tiered model releases spins in batches, with wagering commonly around 40x on the bonus.

These are not pure no-deposit 200-spin operators. They are deposit-welcome operators with a no-deposit hook. That distinction should be the first thing you check on any comparison page. If the operator’s own terms page lists a minimum deposit to unlock the full spin count, the “no deposit” label in the headline is doing more marketing than description.

Comparison Table: Bonuses, Licences, Payout Speed and the Fine Print

The table below compares the practical attributes that matter to an Australian player weighing a 200-spin-style offer. “Typical spin value” is drawn from published terms where available and from observed promotional patterns where the operator does not state a fixed value. Payout speed ranges reflect standard processing, not VIP exceptions.

The pattern is consistent. Every operator in this table is Curacao-licensed. None holds an Australian online casino licence, because that category does not exist. Spin values cluster in the $0.10 to $0.20 band. Wagering clusters at 40x on the bonus, with spin winnings frequently carrying a separate 40x condition. The meaningful differences sit in payout infrastructure and how transparently each operator states the real value of the spin package.

The Legal Reality for Australian Players in 2026

The Interactive Gambling Act 2001 (IGA) bans online casino services offered to Australian customers. That is the starting point, and it has not changed in substance in 2026. The ACMA has blocked more than 1,100 gambling websites under its blocking regime, and the list continues to grow monthly. No Australian-licensed operator can legally offer you a no-deposit casino bonus, because no Australian licence exists for online casino play at all.

What changed in 2026 is the surrounding regulation. On 19 August 2026, the Australian Parliament passed the Interactive Gambling Amendment (Gambling Reform) Bill 2026, introducing restrictions on gambling advertising, a global opt-out register, restrictions on direct marketing of inducements for new account holders for the first 14 days, and a ban on commissions to staff or affiliates based on customer activity. Most of these reforms commence on 1 January 2027. They target wagering services and advertising more directly than they target offshore casino bonus mechanics, but they signal the direction of travel: the compliance wall around Australian-facing gambling is getting higher, not lower.

Offshore Licences: Curacao, Anjouan, Kahnawake — What They Actually Protect

Curacao remains the most common licence for Australian-facing casinos, historically issued under the old master-licence structure and now migrating to the Curacao Gaming Authority’s direct licensing regime introduced in 2024. Anjouan and Kahnawake follow, with a smaller group holding Malta Gaming Authority or Isle of Man licences. Each jurisdiction sets different player-protection floors. Malta licensees must segregate player funds and contribute to a guarantee fund. Curacao licensees face lighter capital requirements but now pay annual licence fees in the tens of thousands of euros under the revised framework.

The practical meaning for a player is straightforward. If a Curacao-licensed operator refuses to pay a legitimate withdrawal, your escalation path runs through the Curacao Gaming Authority’s complaint process, not through an Australian court or an Australian ombudsman. The LOK reforms that took effect in 2024 and 2025 introduced mandatory responsible gambling tools, complaint handling requirements and a formal dispute process through the Curaçao Gaming Authority. Enforcement is still uneven, but the framework exists in a way it did not five years ago. Kahnawake has a longer track record of arbitrating player complaints, though its decisions are not binding in Australian courts.

An offshore licence is not a guarantee of fair dealing. It is a statement about which regulator has jurisdiction if things go wrong. That is a lower bar than Australian consumer law, and players should price that risk into any decision to claim a bonus.

Does Claiming a No-Deposit Bonus Put You on the Wrong Side of the Law?

No. The IGA targets operators, not players. No Australian law criminalises a resident for signing up at an offshore casino or claiming a bonus. The exposure is practical rather than legal: an unlicensed operator sits outside Australian jurisdiction, which means your consumer remedies are weaker and the regulator cannot compel a payout on your behalf.

Using a bonus code is not the legal problem. The legal problem, if it arises, is on the operator’s side of the transaction. That asymmetry is why the practical protections — published terms, a documented payment history, a regulator with a complaint process — matter more in this segment than the size of the headline offer.

Which Pokies Actually Carry the 200 Spins?

Free spins are almost never usable across the entire game library. They are locked to a fixed list of nominated titles, and the list is chosen by the operator, not by you. Expect three to five titles in a typical package, with a heavy bias toward Pragmatic Play, Hacksaw Gaming and NetEnt. The operator selects titles based on volatility profile and contribution rate, not on what Australian players actually want to play.

Pragmatic Play’s Dominance in Bonus-Locked Spins

Pragmatic Play titles — Sweet Bonanza, Gates of Olympus, The Dog House, Big Bass Bonanza — are the default spin-locked games at most Australian-facing offshore casinos. The reasons are commercial: Pragmatic has wide distribution, a recognisable brand, and a volatility profile that produces enough small wins to keep a free-spin session entertaining without paying out too often at the top end. If a 200-spin package is locked to a Pragmatic title, the practical question is whether you enjoy that studio’s mechanics. If you do not, the spins are worth less to you than the headline suggests.

Hacksaw Gaming titles appear in spin packages where the operator wants higher volatility. NetEnt’s Starburst remains a common inclusion because its low-volatility profile stretches a small spin allocation into a longer session. The trade-off is that the max-win potential on a low-volatility title is lower, which matters when the cashout cap is $100.

Hacksaw, NetEnt and the Volatility Trade-Off

The volatility of the locked title determines the shape of the free-spin experience. A high-volatility Hacksaw title can produce a large win from a small number of spins, but the probability of that outcome is low. A low-volatility NetEnt title produces more frequent small wins, but the session is less likely to generate a balance that survives the wagering requirement. Neither is “better” in the abstract. The question is whether the title’s profile matches the cashout cap and the wagering multiplier attached to the specific offer.

Game contribution is the second layer. Even within the locked list, contribution rates can differ. A Pragmatic title at 100% contribution clears a $6,000 requirement in $6,000 of bets. A live dealer title at 0% contribution clears nothing. If the terms page includes a contribution table, read it before you spin. If it does not, assume the least favourable interpretation.

Payments and Payout Speed: PayID, Crypto and the Withdrawal Queue

The payout rail is where the offshore casino experience diverges most sharply from the domestic bookmaker experience. Australian players are accustomed to PayID and Osko transfers that settle in seconds for domestic transactions. An offshore casino can support PayID for deposits and still route withdrawals through a compliance queue measured in business days. The rail and the queue are separate things.

PayID and Osko: The Australian Fast Lane

PayID deposits are instant at most Australian-facing offshore casinos because they run on the New Payments Platform. Withdrawals are a different process. Even at operators that advertise PayID cashouts, the average payout time once approved is in the 2–10 minute range, but the approval step can sit behind a pending period of hours or days depending on the operator’s KYC workflow. A “PayID casino” is not necessarily a “minutes-to-bank” casino. It is a casino that supports the rail. The queue is set by the operator, not by the payment network.

That distinction is worth stressing because affiliate pages often present PayID support as a proxy for speed. It is not. The operator’s internal approval process is the binding constraint. A brand that approves withdrawals in 15 minutes and sends via PayID is genuinely fast. A brand that holds every withdrawal for 48 hours and then sends via PayID is a slow operator with a fast rail.

Crypto Withdrawals: Minutes vs. Business Days

Crypto is the fastest rail in this segment, but “crypto” is not a single speed. Bitcoin and Litecoin withdrawals from established operators can clear in under an hour, sometimes in minutes. Smaller brands may batch-process crypto withdrawals once or twice a day, which turns a 10-minute network confirmation into a 12-hour queue. Ethereum and USDT on TRC20 have different fee and confirmation profiles. The rail matters, but the operator’s batching policy matters more.

For an Australian player, crypto also introduces a tax and record-keeping question that PayID does not. Winnings from offshore gambling are not automatically taxable in Australia in the way some jurisdictions treat them, but the ATO’s position on crypto gains is a separate matter. This is not legal advice. It is a flag that the payment method changes the paperwork, not just the speed.

The KYC Bottleneck Nobody Mentions in the Banner Ad

Every legitimate offshore operator runs identity verification before a first withdrawal. That process can take minutes if you submit clean documents at registration and hours or days if you wait until the cashout request. The practical move is to verify early. Upload your ID and proof of address before you claim the bonus, not after you hit a cashout. Operators that stall on KYC are not necessarily acting in bad faith — they are satisfying their licensing obligations — but the delay is real and it is the most common reason a “fast payout” experience turns into a three-day wait.

The second KYC trap is the payment-method name match. If you deposit via PayID from an account in your name and request a crypto withdrawal to a wallet, the operator may require additional verification of the wallet. Read the withdrawal policy before you claim. A 200-spin bonus with a $100 cashout cap and a 48-hour KYC queue is a different product from the same bonus at an operator that verifies at signup and pays in 15 minutes.

How We Assessed These Operators (Methodology)

The ranking in this guide is not based on the size of the headline bonus. It is based on the factors that determine whether a 200-spin-style offer is usable in practice. We weighted published terms transparency, spin-value disclosure, wagering realism, payout infrastructure for Australian players, licensing jurisdiction, and the existence of a documented complaint process. Operators that publish a clear contribution table and a fixed spin value score higher than operators that hide both behind a “T&Cs apply” link.

We did not weight “number of games” heavily. A 10,000-title library is irrelevant if the free spins are locked to three Pragmatic Play titles you do not want to play. We did not weight “years in operation” as a standalone virtue. A long-running brand with opaque terms is not safer than a newer brand with transparent terms. We also did not treat Curacao licensing as a binary red flag. It is a weaker player-protection regime than Malta or Kahnawake, but the 2024–2025 LOK reforms have introduced a formal complaint process that did not exist under the old master-licence structure. The question is whether the specific operator publishes terms that a player can actually enforce, not whether the licence is fashionable.

Where we could not verify a figure — a spin value, a maximum cashout, a payout time — the text says so or omits the figure. We did not invent statistics to fill a table cell. That is a lower bar than it should be, but it is the standard this guide applies.

New Casinos and Rotating Promotions: Why 2026’s “200 Spins” May Look Different by December

Promotional calendars rotate monthly, sometimes weekly. A code that worked in January 2026 may return “invalid” by March because the campaign expired, not because the code format changed. Operators run codes through a bonus ID system rather than free text: you paste a string, the backend maps it to a campaign, and that campaign carries its own rules. When the campaign ends, the code dies with it.

New casinos entering the Australian-facing market tend to lead with aggressive spin packages because they are buying market share. Established brands tend to lead with deposit matches and loyalty structures because they already have a player base. A 200-spin no-deposit offer is more likely to appear at a brand in its first 12–18 months of operation than at a veteran operator with a stable VIP programme. That is not a reason to avoid new brands, but it is a reason to read their terms more carefully. Newer operators have shorter payment histories and less documented complaint records.

The 2026 reform environment adds another variable. The Interactive Gambling Amendment (Gambling Reform) Act 2026 restricts direct marketing of inducements and tightens advertising rules, with most provisions commencing on 1 January 2027. The immediate effect on offshore no-deposit bonuses is likely to be indirect: affiliates and marketing channels may become more cautious about how they present offers, while the underlying bonus mechanics remain governed by the operator’s Curacao or Anjouan licence. The practical advice is the same as it has been for years: verify the current terms on the operator’s site, not on a comparison page that may be six months out of date.

Responsible Play and the Real Cost of “Free”

The word “free” in a casino promotion deserves the same scepticism as the word “complimentary” at a hotel minibar. The item is not free. It is priced into something else. In the case of a 200-spin no-deposit bonus, the price is your attention, your registration data, and the probability that you will deposit to unlock the rest of the package. The operator is not running a charity. It is running a customer acquisition funnel with a bonus budget attached.

That does not make the offer predatory by default. It makes it a commercial product. The problem is that the marketing presents it as a gift, and gifts do not come with 40x wagering requirements and a $100 cashout cap. The mismatch between the framing and the mechanics is where players get hurt — not because the terms are hidden, but because they are boring and the banner is exciting.

Tools That Actually Work in an Offshore Environment

Australian-licensed wagering services are covered by BetStop, the National Self-Exclusion Register. Offshore casinos are not. That means the self-exclusion tools you use at a domestic bookmaker do not automatically travel to a Curacao-licensed casino. The operator may offer its own deposit limits, session limits and self-exclusion options, but these are voluntary and not backed by an Australian regulator. If self-exclusion is part of your play strategy, the offshore environment is a weaker safety net by design.

The practical tools that do work are the boring ones. Set a deposit limit before you claim the bonus. Decide in advance what you will do when the wagering requirement feels like a treadmill. Treat the bonus balance as play money with an expiry date, not as a withdrawal you are owed. And read the maximum cashout clause before you spin, not after you hit a $4,000 win on a Pragmatic slot and discover the cap is $100.

When the “Free” Candy Costs More Than the Dentist

A 200-spin no-deposit offer is the casino equivalent of the free candy at the dentist’s reception desk. It is there to make the visit feel less clinical. It is not there to improve your dental health. The spins are real, the chance of a withdrawable win is real, and the wagering requirement is also real. The three facts coexist, and the marketing only prominently features the first two.

Play the bonus if you enjoy the game and the terms are transparent. Skip it if the only reason you are registering is the word “free.” The operator has already priced your registration into its acquisition cost. You should price the wagering requirement into yours.

FAQ: Straight Answers on 200 Free Spins No Deposit in Australia

Are 200 free spins no deposit bonuses legal for Australian players in 2026?

Using them is not illegal. The Interactive Gambling Act 2001 targets operators, not players, and no Australian law criminalises a resident for claiming a bonus at an offshore casino. The practical exposure is weaker consumer protection, not criminal liability, because the operator sits outside Australian jurisdiction.

Can I actually withdraw winnings from a 200 free spins no deposit bonus?

Yes, but only after meeting the wagering requirement and only up to the maximum cashout cap. A typical package carries 40x wagering on spin winnings and a $100 to $500 cap. A $4,000 win on a locked Pragmatic slot can still produce a $100 withdrawal if the cap applies to bonus-derived winnings.

What wagering requirement usually applies to 200 free spins no deposit?

Most Australian-facing offshore offers apply 40x to 60x on spin winnings, with the cash portion sometimes carrying a lower 30x to 40x multiplier. The two figures are frequently different, and the spin-winnings multiplier is usually the higher of the two.

How fast do Australian-facing casinos pay out free spins winnings?

Payout speed depends on the rail and the operator’s approval queue. PayID withdrawals average 2–10 minutes once approved, crypto averages 10–45 minutes, e-wallets take 1–24 hours, and bank transfers take 1–5 business days. The approval step, not the rail, is usually the bottleneck.

Why do most 200 free spins offers come from Curacao-licensed casinos?

Because no Australian licence exists for online casino play, so every operator offering real-money pokies to Australians is offshore. Curacao is the most common licensing jurisdiction in that offshore segment, followed by Anjouan and Kahnawake. The licence determines your complaint path, not the size of the bonus.

Are the 200 spins credited all at once or in batches?

Batches are standard. A typical structure credits 20 spins per day for 10 days, or 50 spins per day for four days. Daily crediting limits the operator’s exposure and keeps you logging in. Spins usually expire within 24 to 72 hours of being credited.

Do free spins count 100% toward wagering?

Pokies usually count 100%, but the locked title matters. Table games often count 10% or less, and live dealer titles frequently contribute nothing. If the terms page includes a contribution table, check it before you spin; if it does not, assume the least favourable rate.