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Meridianbet Review 2026 – Welcome Bonus up to 3,000.000 TZs

Meridianbet Review 2026 – Welcome Bonus up to 3,000.000 TZs, PlansbyAnh

However, if knowing that most bookies from our country haven’t even thought about the idea to make meridianbet tz a casino room, MeridianBet’s casino category sounds like a real exclusive offer, no doubt. MeridianBet’s international activity comes to assist the few customers of iOS devices in our country as this bookie is truly one of the few bookies in our country with an app for this operating system. Complete guide to Meridianbet Tanzania, including sports betting, casino games, Aviator, payments, bonuses and mobile access.

  • The site uses SSL encryption to protect your data and payment information and provide safe and secure transactions.
  • SituationWhat the rules sayWhat to do Deposit not showingM-Pesa and Tigo Pesa deposits can take up to 48 hours to appear.Keep the network confirmation SMS; support can trace the payment with it.
  • Confirm your agreement with the rules and the fact of reaching adulthood to predicting matches.
  • One of Meridianbet's biggest competitive advantages is its network of physical retail betting shops across Tanzania.
  • The left side of the screen is where the menu option begins with the Top Leagues mini menu.
  • On bonuses, Bangbet offers a fairly active promo section, but it is not built around one big classic welcome package in the same way as some rivals.
  • The one that is accessible via the mobile website version and via the app, includes virtual football, tennis and different contestants with horses, moto sports and many others.
  • Wagering with Meridianbet has never been easier, thanks to their convenient USSD betting option.
  • For example, let's take a bonus, which is of interest to all newcomers to the platform.The conditions of the welcome bonus are regularly updated.
  • Two mobile operators partner with Meridianbet and allow USSD registration.
  • Dafabet is an Asian bookmaker, highly popular due to its custom suite nature for Kenyan bettors.
  • GCLA licenses a registered company, which then trades under a consumer-facing brand — for example Marawin Limited trades as Sportybet, Media Bay Limited trades as BetWay, and Bit Tech Limited trades as Meridian Bet.
  • You can place your bets on all leading conventional sports and on a myriad of eSports competitions.

Meridianbet’s iOS app for Tanzania brings fans a wide spectrum of sports to wager on. Pinning the page to your home screen helps you mimic the speed and convenience of an app. If you wish to play without installing the iOS app, you can use the Safari browser on your iPhone or iPad to access Meridianbet’s mobile version.

Meridianbet Review 2026 – Welcome Bonus up to 3,000.000 TZs, PlansbyAnh

Live betting puts you ahead of the curve as you can make informed wagering based on how the game is flowing. With 40+ physical sports and esports to choose from, Meridianbet odds are, generally, competitive and attractive. There are numerous markets to choose from at Meridianbet Tanzania. Meridianbet Tanzania is known for its broad range of sports.

Payout and stake limits

  • Meridianbet Tanzania supports all major mobile money services.
  • Always ensure that your betting account holds sufficient funds.
  • Yes, you can sign up in the application for Android & iOS devices or via the Meridianbet mobile site.
  • In fact, Meridian Bet offers one of the top 3 highest welcome bonuses on the Tanzanian market.
  • The goal is to know what a deposit or withdrawal will require before a player commits funds.
  • Meridianbet Tanzania is a legit sports betting platform that pays out your winnings using the local currency (TZS).
  • This website uses Google Analytics to collect anonymous information such as the number of visitors to the site, and the most popular pages.
  • In fact, with everything you need available in a one-stop dashboard design, Meridian Bet is straightforward for players and punters of all levels to use.
  • Meridianbet's 70% is an outlier.
  • A few days later, I withdrew my winnings using the same method, and that process also went smoothly.
  • There are numerous markets to choose from at Meridianbet Tanzania.
  • MeridianBet’s international activity comes to assist the few customers of iOS devices in our country as this bookie is truly one of the few bookies in our country with an app for this operating system.
  • When you first get to the site, a screen appears in front of you with direct links to all the main sections of the site.

Moreover, Vodacom Tanzania is developing fiber-optic cable infrastructure with an investment of US$10 million in the rural part of the country in order to enhance the internet connectivity, thereby contributing to demand of gaming market. In 2020, due to COVID-19 pandemic, the gaming market was negatively impacted the retail sports betting due to the closure of public places in the country. The market is expected to witness significant growth in the coming years on the back of government initiative to boost internet penetration in the rural areas of Tanzania by constructing fiber-optic infrastructure along with increasing youth population i.e., years to 27.7 million by 2030 from 22.9 million in 2020 would bolster the market revenues of gaming in the future. Whichever you choose, verify the GBT licence, set a budget before you deposit, and bet for entertainment, never for income. Meridianbet.co.tz and Betway offer the most generous one-off welcome packages at TZS 200,000 each, and MozzartBet dominates the jackpot category.

  • MeridianBet Tanzania is the local operation of Meridian Gaming, a betting group founded in Malta in 2001.
  • Meridian Bet has a big presence in Tanzania and is a well-known bookie among seasoned and beginner punters alike.
  • The platform also offers virtual sports betting, casino games, and live casino games, providing players with a comprehensive gambling experience.
  • To qualify, all you need to do is to play a virtual sports game, terms and conditions apply.
  • Gambling in Tanzania is regulated by the Gaming Board of Tanzania under the Gaming Act (Cap. 41 / the Gaming Act No. 4 of 2003, as amended).
  • Where bonuses are quoted, the disclaimer at the bottom of this article applies.
  • Meridianbet provides a full virtual sports section with events running every few minutes throughout the day.
  • Meridianbet gives new players three chances to claim welcome bonuses across their first three deposits.
  • The fastest withdrawals in our 2026 testing were at SportyBet (2 – 10 minutes), Betway (5 – 20 minutes), and betPawa (5 – 15 minutes).
  • Operators are required to verify age before paying out winnings.
  • Use this test before accepting a welcome bonus, daily offer, cashback-style promotion, or casino campaign.
  • Localization strong in English/Swahili, TZS currency.
  • You can only sign up once to play online and participate in the welcome promotion.

Senior Retail Operation Manager at Meridianbet Tanzania

In my own test, I deposited and later withdrew funds using Airtel, and everything went well. The supported deposit methods include credit card, Vodacom, Mixx by Yas, Airtel, and Selcom, while withdrawals include voucher, Vodacom, TigoPesa, and Airtel. The right side of the page cuts off, so I cannot always see all the odds and interface elements properly.

Reviews

Don’t hesitate to contact Meridianbet’s customer service – they are always just a call or click away. If you’re an Airtel user, simply dial 14910# from your phone to create a USSD account. Once all information has been provided and confirmed, you will get an email congratulating you on your new account and you will be good to go wager online.

Find Meridianbet Tanzania customer support details for account, payment, verification and withdrawal questions. Learn about Bit Tech Limited, Meridianbet Tanzania's local operation, licensing and platform structure. Learn how to log in to Meridianbet Tanzania, manage your account and protect your login credentials.

The minimum withdrawal amount varies by service, with most starting from around TSh 1,000. Users can withdraw their winnings via M-Pesa, Tigo Pesa, Airtel Money, and other supported services. Customers can also fund their accounts directly at Meridianbet shops across the country. Deposits are processed instantly in most cases, and the minimum deposit amount is typically as low as TSh 100. Customers can deposit funds using major mobile money services such as M-Pesa, Tigo Pesa, Airtel Money, Halo Pesa, MLipa, and Selcom Huduma.

Route Matrix for Account Verification

A long list of games is less useful than a clear route to the rules that govern those games. The casino lobby should help players identify game categories, provider names where available, live dealer areas, instant games, and any rules that affect bonus contribution. A bookmaker can offer many products, but players still need to know which casino providers, game types, payout information, and account rules apply before depositing. A Meridianbet bookmaker Tanzania review should not blur sportsbook credibility with casino transparency. Set the entertainment budget before switching categories, not after a fast product has already changed the balance. Check whether the profile links to the same domain, whether the offer is also visible inside the website, and whether support can confirm the promotion.

Can I create account without Internet?

Security features include standard encryption for data protection, though specifics like 2FA are not explicitly confirmed. Meridianbet TZ operates under a license from the Gaming Board of Tanzania, a local regulator that oversees betting activities in the country. This review is based on verified data and real bettor feedback.

Keep in mind that it’s worth checking with the bookie from time to time to explore the current offerings. SportyBet is an outstanding online betting site that has become a trusted friend of other best bookmakers in Africa, offering cool bonuses to new and existing customers… 888bet.tz, an online casino that serves customers all over Tanzania, is one of the country's most well-known gambling platforms…

I also saw basketball, tennis, boxing, ice hockey, virtuals, Esports, and many other sports. Overall, Betway feels more tool-based than bonus-led for sports users. Win Boost works like an odds boost for multi bets, while Bet Saver is a moneyback style offer on multis. So while Betway is not the sharpest bookmaker in every football area, its outright pricing looks genuinely competitive. The average margin I calculated for the winner market is 4.46%, which is a strong number for outrights.

Meridianbet Review 2026 – Welcome Bonus up to 3,000.000 TZs, PlansbyAnh

Opening an account and signing in

Whether you’re a seasoned gambler or a beginner, Meridianbet Tanzania has something to offer. The platform is licensed and regulated by the Gaming Board of Tanzania, ensuring that players can enjoy a safe and secure betting experience. But we should not forget where it all started – so in this review we will evaluate the website and apps that this bookmaker offers to the residents of its home country. This bookmaker owned by Bit Tech Limited – this company licenced and regulated by the Gaming Board of Tanzania. Licence status can be checked independently through the Gaming Board's public register, which lists the operator name and licence number as they appear above.

Meridianbet Tanzania: Ultimate Sports Betting App

Mobile payments are prevalent in Tanzania, and Meridianbet offers players several familiar deposit options. You can top up funds to your account in the same way and never miss out on the action. You don’t need to buy any internet bundles to enjoy betting; all you need is to dial 14910# and follow the prompts that come after. Betting on mobile has become popular over the years, and Meridianbet has several ways players can place bets on the go. When signing up on the site, a reminder is to make sure your details are correct, and they match the information on your identification.

  • The successful withdrawal of winnings are possible if the account is verified.
  • This promo runs from March 6, 2024, to March 5, 2025.
  • What truly distinguishes Meridianbet from local competitors like BetPawa and SportyBet is its comprehensive casino offering.
  • Virtual sports use certified random number generators (RNGs) to ensure fair results.
  • By creating an account, users confirm their agreement to these and other platform rules.
  • This isn't just another online casino—it is a regulated, localized, and responsive platform reflecting the betting lifestyle of modern Tanzania.
  • Accept the terms and conditions, opt-in for newsletters and offers, and confirm that you are 18 years or older.
  • The application is processed within 24 hours and if it is successful, your account status will change to Verified.
  • Tanzanian players can get the welcome package, app installation bonus, cashback promo, and exclusive rewards.
  • Meridianbet's model distributes responsibility.
  • In my own testing, the iOS page did not load, so I would treat iOS availability as officially listed but not fully verified from a user-experience point of view.
  • Review Meridianbet Tanzania welcome bonuses, Free Spins, wagering requirements and promotional conditions.

Live tables are from Evolution, which is a solid provider. All with different rules, so it depends what you like. If you’re into the classic stuff, there’s blackjack, roulette, poker, and baccarat. It’s fully licensed (No 57302) and the RTP is 97%, which is solid. The games are different — looks, styles, themes. Lots of slot games , different styles, old-school ones and new ones too.

  • Betting on mobile has become popular over the years, and Meridianbet has several ways players can place bets on the go.
  • Once that’s done, you’re all set to start playing.
  • So, for pre-match football, I would call the market range strong, but the core 1X2 pricing only average at best.
  • Two mobile operators partner with Meridianbet and allow USSD registration.
  • Receive both a real money bonus and 150 free spins for the Pia Premium slot.
  • This, in turn, allows them to stand a chance to win 250 free spins per day on the PIA game, a phone weekly, and a grand prize total of 3 bajaj, terms and conditions apply.
  • In simple terms, SportyBet’s live betting is strong on choice, but not especially strong on value.
  • In my check, I saw basketball, tennis, ice hockey, volleyball, Esports, virtuals, and other sports.
  • Odds refresh every few seconds, but the visual presentation is less polished than SportyBet or Betway.
  • The 10,000+ slot figure and the table games are operator marketing rather than titles we've verified one by one, so we treat the individual games as verifying until we see them ourselves.
  • This app works completely without download, so you don’t need to look around in iTunes, the Play Store, another independent app store afterwards, and you also don’t require an apk.

Meridianbet Tanzania

For some mobile networks in Tanzania, USSD and SMS payment methods add extra flexibility for bettors on the go. You can use major bank cards, popular e-wallets, local and international mobile payment services, and even cryptocurrencies if you prefer digital coin transfers. Members can explore classic slots, live dealer tables, crash games, and even roulette, switching between betting slips and casino fun without logging out. Football usually gets the highest attention, but users appreciate the ability to switch between classic and virtual sports, including global and local events. Football, basketball, tennis, volleyball, hockey, rugby, cricket, table tennis, handball, MMA, boxing, and various esports all feature in the app’s lineup.

Started back in 2001 in Europe, now it’s run by Bit Tech Limited here in Dar es Salaam. Yes, Meridianbet operates retail betting shops in major Tanzanian cities including Dar es Salaam, Dodoma, Arusha, Mwanza, and others. Log in to Meridianbet, go to the deposit section, select M-Pesa, enter the amount (minimum TZS 1,000), and confirm via the STK push notification on your phone. Meridianbet's withdrawal times (1-12 hours) can't match SportyBet's 1-5 minute M-Pesa payouts, and the mobile experience isn't as polished.

Meridianbet Tanzania Sports Betting Odds

Before depositing at a name you haven’t heard of, run it through the same three-point licence check above, and see our dedicated guide to new betting sites in Tanzania with free bonus for a step-by-step walkthrough of telling a real new-site offer from a fake one. None of these ten currently carry enough independent Tanzania track record for us to rank them alongside our top 10, and headline bonus percentages alone don’t tell you whether a brand is properly licensed. For one-off welcome value with a lower wagering hurdle, Meridianbet.co.tz and Betway‘s TZS 200,000 matched deposits remain a safer bet if you intend to make a single large first deposit. By raw headline size, 1xBet TZ‘s 200% match up to TZS 399,390 and Helabet‘s 130% match up to TZS 390,000 are now the largest figures on this page — both grew substantially since our last review.

Meridianbet Tanzania: How to Login

Overall trust level is solid for a local operator, with positive sentiment in Tanzanian forums. Complaint signals from bettor communities show minimal disputes, mostly around navigation or promo clarity, but no widespread issues with slow payouts or account limits. This licensing confirms its legal status for Tanzanian players, with compliance to age requirements (18+) and geo-restrictions for prohibited countries.

I did not see football outrights during this review, so I would not present them as a confirmed strength. I confirmed Cash Out on the interface, and the promotions section clearly shows tools like 2UP, Flexi, and Live Odds Boost. Casual bettors prefer Betway's simplicity; regulars favor Meridianbet's higher potential via multis.

Mobile version & app

Moreover, Vodacom Tanzania is developing fiber-optic cable infrastructure with an investment of US$10 million in the rural part of the country in order to enhance the internet connectivity, thereby contributing to demand of gaming market. In 2020, due to COVID-19 pandemic, the gaming market was negatively impacted the retail sports betting due to the closure of public places in the country. The market is expected to witness significant growth in the coming years on the back of government initiative to boost internet penetration in the rural areas of Tanzania by constructing fiber-optic infrastructure along with increasing youth population i.e., years to 27.7 million by 2030 from 22.9 million in 2020 would bolster the market revenues of gaming in the future. Whichever you choose, verify the GBT licence, set a budget before you deposit, and bet for entertainment, never for income. Meridianbet.co.tz and Betway offer the most generous one-off welcome packages at TZS 200,000 each, and MozzartBet dominates the jackpot category.

Meridianbet Review 2026 – Welcome Bonus up to 3,000.000 TZs, PlansbyAnh

  • To sign up, go to the official website of the Meridianbet sportsbook and click on the button on the right side, right below the login form.
  • Casual bettors prefer Betway's simplicity; regulars favor Meridianbet's higher potential via multis.
  • In my view, that local-market focus is one of the main reasons it stands out from some other popular online betting sites in Tanzania.
  • I confirmed Cash Out on the interface, and the promotions section clearly shows tools like 2UP, Flexi, and Live Odds Boost.
  • Yes, dial the USSD code provided on the Meridianbet website and follow the prompts to place bets without internet access.
  • A final ticket will appear, accept the change of the odds, and click OK to complete the process.
  • Users can withdraw their winnings via M-Pesa, Tigo Pesa, Airtel Money, and other supported services.
  • The spins are valid for 7 days, and winnings from the Free Spins are subject to a 40x rollover requirement.
  • SportPesa looks like a mobile-first, mass-market sportsbook with a strong local presence in Tanzania.
  • The main trade-offs are the lack of confirmed Tanzanian Premier League coverage, the less polished main website on mobile, and bonus terms that are much tougher than they first appear.
  • If your first ticket loses, you’ll receive a refund of up to 10,000 TZS within 72 hours.
  • Several international brands advertise bonuses up to TZS 500,000, and Gal Sport Betting goes to TZS 100,000 on a first deposit.

Compared to other top-rated and large betting sites in Tanzania, Meridian Bet offers a pretty varied payment landscape. Every Friday, Meridian Bet chooses players based on their activity and loyalty to the platform to win a share of a Tsh 10,000,000 total casino bonus every week. The cashback is given as the total losses and has a maximum of Tsh 250,000 per week, terms and conditions apply.

In my check, though, those buttons led back to the website rather than to a clear app download or store page, so I would not treat app availability as fully confirmed. In my view, Betway stands out more for its brand strength and clean interface than for trying to overload the site with too many extras. Betway looks like a mobile-first, mainstream sportsbook with a strong international feel, but still enough local fit for Tanzania.

The site runs frictionlessly on Chrome, Firefox, Edge, and Safari browsers. A drop-down sports list and popular leagues pop up on your left side once the website loads in split seconds. The well-arranged interface features a clearly labelled dashboard.

Meridianbet offers one of the more generous welcome packages in Tanzania — a 100% deposit match up to TZS 150,000 plus free spins on selected casino slots. SituationWhat the rules sayWhat to do Deposit not showingM-Pesa and Tigo Pesa deposits can take up to 48 hours to appear.Keep the network confirmation SMS; support can trace the payment with it. Before the first withdrawalAt least one ticket must be placed; mobile money deposits carry a staking period of roughly 14 days. All cashier activity runs in Tanzanian shillings through the mobile money networks the country already uses. These figures come from the operator's published rules, checked on 18 August 2026.

  • All cashier activity runs in Tanzanian shillings through the mobile money networks the country already uses.
  • When you first get to the site, a screen appears in front of you with direct links to all the main sections of the site.
  • The popular ones include football, basketball, tennis, volleyball, rugby, cricket and eSports, and many more.
  • Password recovery using a mobile site or application for Android and iOS is completely similar.
  • The Chomoka na Bajaj promotions allow Tigo Pesa users to deposit at least Tsh 25,000 and palace a sports ticket or any thrilling casino games with a minimum of Tsh 25,000.
  • You’ll notice that the top leagues and various sports are displayed on the left side of the screen, with football starting the list.
  • 41, and Tanzanian authorities may not be able to help with disputes over deposits, withdrawals, blocked accounts, bonus terms, or unpaid winnings.
  • The one that is accessible via the mobile website version and via the app, includes virtual football, tennis and different contestants with horses, moto sports and many others.
  • The GCLA supervises sports betting shops, online sportsbooks, casinos, slot operations, and the National Lottery, and maintains a licensee register.
  • Confirm your agreement with the rules and the fact of reaching adulthood to predicting matches.
  • So, in simple terms, SportPesa looks strong on headline match-result odds, but less impressive on some secondary football markets.
  • The casino lobby should help players identify game categories, provider names where available, live dealer areas, instant games, and any rules that affect bonus contribution.

Yes, regular players can access various promotions, including cashback deals and free bets. This application is a solid choice for bettors. You should roll over your deposit twice within 6 days after signing up. Meridianbet Tanzania accepts M-Pesa, Tigo Pesa, Airtel Money, HaloPesa, Selcom Huduma, and USSD wallet for both deposits and withdrawals. Thanks to Meridianbet’s highly optimised site, the games don’t buffer or have any glitches. The busy interface takes a few minutes to learn and there's no live streaming, but the 5,000-game casino and strong odds make it worth the adjustment.

Current welcome bonus code: details + how to claim

Meridianbet Tanzania offers new players a three-deposit welcome package worth up to TSh 150,000 in total bonus funds. The popular ones include football, basketball, tennis, volleyball, rugby, cricket and eSports, and many more. Free Spins are awarded based on your deposit amount, starting from 20 Free Spins for deposits below TSh 5,000 and scaling up to 150 Free Spins for deposits of TSh 30,000 or more. Promotions are easy to find and include a mix of welcome offers and ongoing bonuses for regular customers.

Older sources, and some operators’ own terms pages, still cite the authority by its earlier name, the Gaming Board of Tanzania (GBT) — it’s the same regulatory framework. For a deeper breakdown of how each operator handles deposits and odds margins, see our companion guide to the best sports betting sites in Tanzania 2026, which includes the full margin-by-market analysis we used as one input into the editor scores above. This in-depth guide compares the leading operators on licensing status, welcome bonuses, M-Pesa speed, odds quality, live betting depth, and app performance, so you can deposit confidently and bet smart from Dar es Salaam, Arusha, Mwanza, or Dodoma. These bonuses help new and regular users spice up their betting activity through seasonal specials and loyalty rewards. The system’s design mirrors how you pay in popular mobile apps, with quick taps and instant confirmations. Do not register yet if the official route is unclear, if a social link pushes directly to login, if a USSD-style code appears only outside the site, or if payment and withdrawal rules are hidden.

Meridianbet Review 2026 – Welcome Bonus up to 3,000.000 TZs, PlansbyAnh

Market depth includes 1X2, Asian Handicaps, totals, props, and futures, extending to niche areas like esports, boxing, MMA, darts, chess, kabaddi, and even political elections. Before opening an account, it is worth knowing who runs the brand locally, how to confirm it is licensed and what to watch for when you bet on your phone. TDU publishes independent reviews of Tanzanian operators and their bonuses, payments and casino products. Second, verify the operator on the Gaming Board of Tanzania's public register.

Meridianbet Review 2026 – Welcome Bonus up to 3,000.000 TZs, PlansbyAnh

Graphics Designer at Meridianbet Tanzania

The bookmaker experts do not recommend duplicating messages, as this can significantly reduce the speed of service. The players can contact technical support on any issue after they Meridianbet sign up. To do this, visit the mobile site of the bookmaker’s office or a portable device, launch the user application, click on Meridianbet login TZ button. Password recovery using a mobile site or application for Android and iOS is completely similar.

  • The answer depends on source verification, payment clarity, bonus rules, product limits, and the ability to get support before money is deposited.
  • Depositing funds is fast and easy, while withdrawal is equally is to do and won’t cost you extra as far as Meridianbet is concerned.
  • Carlo Njato welcomed the move considering in the next few days major leagues were resuming their seasons and this will be good news for players.
  • Every newly registered customer stands a chance to receive a Tsh 25,000 casino and a Tsh 5,000 sports bonus.
  • If you win big and want cash in hand, you can visit a Meridianbet shop in Dar es Salaam, Arusha, or other cities.
  • Meridian Bet requires you to activate bonuses, in the beginning, to be able to access and use any of the bookie’s bonuses moving forward.
  • The Live In-Play Boost allows punters to get boosted odds on any live in-play soccer match bets in every 20’, 40’, 60’, and 80’.
  • Customers can deposit funds using major mobile money services such as M-Pesa, Tigo Pesa, Airtel Money, Halo Pesa, MLipa, and Selcom Huduma.
  • Betway looks like a mobile-first, mainstream sportsbook with a strong international feel, but still enough local fit for Tanzania.
  • This mix of betting options gives Tanzanian users an all-in-one digital entertainment zone.
  • Beyond the welcome bonus, Meridianbet also runs other betting promos, such as Cash Back Promo, Virtual Bet, and Lucky Friday Promotion.
  • Don’t miss out on the great content on Nation.Africa
  • Keep in mind that it’s worth checking with the bookie from time to time to explore the current offerings.

But if your win goes over a certain amount, the prize is calculated based on a smaller bet. It includes daily tournaments and prize drops. You just need to follow the rules. This promo runs from March 6, 2024, to March 5, 2025. First time you deposit 5,000 TZS or more and play — on casino or ticket — you can get a 200% bonus. So if you’re into slots or live games, or anything else really, there’s something in there.

Meridianbet Tanzania offers a reliable and user-friendly payment system tailored to the local market. To unlock all three, act fast and follow the rules closely—it’s a bonus marathon built for winners. Meridianbet gives new players three chances to claim welcome bonuses across their first three deposits.