Low Deposit Online Casino Australia 2026: The Real Cost of Cheap Thrills

Forget the glossy banners promising riches for five bucks. The reality of a low deposit online casino in Australia for 2026 is a battlefield of razor-thin margins, predatory bonus terms, and payment gateways that make you feel like you’re wiring money to a offshore fishing boat. You’re not here to get rich. You’re here to stretch a twenty into an evening of entertainment, and maybe, just maybe, walk away with enough for a decent kebab. That’s the only honest goal.

The market has shifted. Where AUD 10 was once the standard entry point, the race to the bottom has pushed some operators to accept AUD 1 or even AUD 5 deposits. Sounds generous, right? It’s not. It’s a customer acquisition cost they’ve baked into their math, hoping you’ll stick around and deposit again at their standard AUD 20 or AUD 30 minimum. The real question isn’t “which casino lets me deposit the least?” It’s “which one gives me the most fair shake for my small stake?” That’s a different beast entirely.

What “Low Deposit” Actually Means in 2026

Let’s cut through the marketing fog. A “low deposit” isn’t a universal standard. For a high roller, it’s AUD 100. For the average Aussie punter looking for a bit of fun, it’s anything under AUD 20. But the operators playing the low deposit game are targeting a specific psychological trigger: the fear of missing out on a “bonus” for a trivial amount. They know that once you’ve entered your card details for a AUD 5 deposit, the friction for the next one drops dramatically. It’s a foot-in-the-door technique as old as salesmanship itself.

The 2026 landscape has bifurcated. On one side, you have legitimate, licensed operators offering AUD 10 minimums as a standard feature, no strings attached beyond their normal terms. On the other, you have a swarm of new, often Curaçao-licensed sites screaming about AUD 1 deposits. The catch? Those AUD 1 deposit sites often have withdrawal minimums of AUD 50 or AUD 100, effectively trapping your money until you deposit more. It’s a classic bait-and-switch, dressed up in neon colours and a cheerful mascot. The house always has the math on its side, but some houses are just more honest about it.

So, when you see “low deposit online casino Australia 2026,” your first filter should be: what’s the withdrawal minimum? If it’s more than 10x your deposit minimum, you’re not in a casino; you’re in a deposit trap. A fair operator aligns these figures more closely, typically within a 2x to 5x ratio. That’s the first number you check, not the deposit amount.

The Payment Method Trap: Your AUD 5 Deposit Might Cost You AUD 7

Here’s where the real cost of a low deposit hides. The casino might accept a AUD 5 deposit via Visa or Mastercard, but what does your bank or the payment processor charge for a gambling transaction? In Australia, credit card gambling deposits are banned as of 2024, so you’re looking at debit cards, POLi, BPAY, or increasingly, cryptocurrency. But each method has its own friction.

POLi is instant and free from the casino’s side, but not all banks support it for gambling merchants anymore. BPAY is slow—sometimes 1-2 business days—which kills the instant gratification. Cryptocurrency like Bitcoin or Ethereum is fast and often has lower fees, but the volatility means your AUD 5 deposit could be worth AUD 4.80 by the time it hits your account if the market dips. And if you’re using a third-party e-wallet like Skrill or Neteller, watch for the conversion fees and the fact that some casinos exclude e-wallet deposits from bonus eligibility. That “free” bonus you signed up for? Gone, because you used the wrong payment method. The terms and conditions aren’t there for your benefit; they’re a minefield designed to trip you up.

Let’s do some cold math. A AUD 5 deposit via a debit card linked to a major Australian bank typically incurs no direct fee from the bank for a gambling transaction. But if you use a prepaid voucher like Paysafecard, you might pay a 3-5% activation fee on the voucher itself, turning your AUD 5 into AUD 4.75 of play money before you even spin a reel. Over 20 deposits, that’s AUD 5 in fees—literally a 10% tax on your entertainment budget. The low deposit is an illusion if the payment method eats it.

Bonus Hunting on a Shoestring: Why Most “Welcome Offers” Are Useless

The average welcome bonus in the Australian market for 2026 is a 100% match up to AUD 500 plus 200 free spins. Sounds massive. But read the fine print. The minimum deposit to claim it is almost always AUD 20 or AUD 30. So if you’re a AUD 5 or AUD 10 player, you’re automatically excluded from the headline offer. You get nothing. Or you get a “low roller” version: maybe a 50% match up to AUD 50 with 50 free spins, but with a 50x wagering requirement.

Let’s unpack that. A 50x wagering requirement on a AUD 25 bonus (from a 50% match on a AUD 50 deposit) means you need to place AUD 1,250 in bets before you can withdraw a cent. On a pokie with a 96% RTP, your expected loss over AUD 1,250 in wagers is AUD 50. You started with a AUD 25 bonus. The math says you’ll likely lose it all and then some. The “bonus” is a mathematical black hole for small depositors. The free spins are worse—they’re often locked to a specific, low-RTP game and capped at AUD 50 in winnings. You could hit the jackpot on a free spin and still only get AUD 50. It’s a free lollipop at the dentist’s office. Sweet for a second, then the reality bites.

The only viable bonus strategy for a low deposit player is to ignore the welcome offer entirely and hunt for reload bonuses, cashback offers, or loyalty points with low or no wagering requirements. Some casinos offer a 10% weekly cashback on net losses with a 10x playthrough. That’s still tough, but it’s 5x better than the standard welcome bonus terms. You have to read the terms like a lawyer reads a contract, because that’s exactly what they are—a contract designed to benefit the house.

Game Selection: Where Your AUD 5 Has the Best Chance

Not all games are created equal for the low deposit player. Your AUD 5 needs to last. That means avoiding high-volatility slots where you can burn through your balance in 20 spins. The smart play is low-volatility pokies with a high RTP (Return to Player) percentage. Games like Blood Suckers (98% RTP), Mega Joker (99% RTP), or 1429 Uncharted Seas (98.5%) are your best bets. They pay out smaller wins more frequently, extending your playtime and giving you a shot at grinding out a small profit.

Table games are even better, but with a caveat. Blackjack played with perfect basic strategy has an RTP of around 99.5%, the best in the house. But the minimum bet at most online blackjack tables is AUD 1 or AUD 2. With a AUD 5 deposit, you get 2-5 hands. That’s not a strategy; that’s a coin flip. Roulette is worse—the minimum bet is usually AUD 0.50, but the RTP is only 97.3% on European wheels. You’ll bleed out slower, but you’ll bleed out. The live dealer games are right out for low depositors; minimums are typically AUD 5 or AUD 10 per hand, which is your entire bankroll in one bet.

The optimal game for a AUD 5 deposit is a low-volatility slot with a minimum spin of AUD 0.10 or AUD 0.20. That gives you 25-50 spins. At a 96% RTP, your expected return is AUD 4.80 on a AUD 5 spend. You’re not going to win big. You’re paying AUD 5 for an hour of entertainment, with a small chance of walking away with a bit more. That’s the only honest expectation. Anything else is fantasy.

Licensing and Legality: The Australian Context for 2026

The legal landscape for online gambling in Australia is a mess, and it’s getting messier. The Interactive Gambling Act 2001 (IGA) prohibits the offering of online casino games to Australian residents. Full stop. However, it does not prohibit Australians from playing at offshore casinos that accept them. This is the grey area the entire industry operates in. The casinos targeting you are licensed in jurisdictions like Curaçao, Malta (MGA), or Gibraltar. They are legal in their own countries, but they are not licensed or regulated by any Australian state or territory.

What does this mean for you as a player? It means there’s no Australian government body to complain to if a casino refuses to pay your winnings. Your recourse is with the offshore regulator, which might as well be on the moon. The Australian Communications and Media Authority (ACMA) can block websites and fine operators, but they can’t touch your funds or force a Curaçao-licensed casino to pay you. The protection is zero. This is the fundamental trade-off: you get access to a wider range of games and lower deposit options, but you give up any meaningful consumer protection.

In 2026, there’s a growing trend of casinos obtaining multiple licenses—say, from both Malta and Curaçao—to appear more legitimate. Don’t be fooled. The Malta Gaming Authority (MGA) license is reputable and has a dispute resolution process. A Curaçao license is largely a business registration with minimal oversight. If a casino lists both, your primary protection comes from the MGA license, but only if you can prove you’re a resident of an MGA-licensed jurisdiction, which most Australians can’t. It’s a regulatory shell game.

Withdrawal Speeds and Limits: The Real Test of a Casino’s Honour

Depositing AUD 5 is easy. Getting your money out is where the real test begins. The speed of withdrawal is the single best indicator of an operator’s integrity. A good casino processes e-wallet withdrawals (Skrill, Neteller, ecoPayz) within 24 hours. A decent one takes 48 hours. Anything longer than 72 hours is a red flag. Bank transfers and card withdrawals are slower by nature, typically 3-5 business days, but the processing time on the casino’s end should still be under 24 hours.

The minimum withdrawal amount is the other critical figure. As mentioned, many low deposit casinos set this at AUD 50 or AUD 100. This forces you to deposit more to reach the threshold, which is exactly what they want. A fair operator sets the withdrawal minimum at or below the standard deposit minimum, typically AUD 10-20. For a AUD 5 depositor, you want a casino with a AUD 10 or AUD 20 withdrawal minimum. They exist, but they’re not the ones shouting about AUD 1 deposits.

Then there are the withdrawal limits: weekly, monthly, and per transaction. A common limit for non-VIP players is AUD 4,000 per week and AUD 16,000 per month. For a low deposit player, this is irrelevant—you’re not hitting those limits. But if you do happen to land a big win on a AUD 5 deposit, you’ll be paid out in installments over months. A AUD 10,000 win could take 3-4 months to fully withdraw. That’s not a win; it’s an interest-free loan to the casino. Always check the maximum cashout terms, especially on bonus-related winnings. Some casinos cap bonus winnings at 5x or 10x the bonus amount. A AUD 25 bonus with a 10x cap means you can only withdraw AUD 250 from it, no matter how much you win. The cap is the real limit, not your luck.

Comparing the Market: Operators and Their Low Deposit Terms

The Australian-facing market in 2026 is crowded. The following table compares typical characteristics of operators known for lower deposit thresholds. Remember, these are market-typical figures, not guaranteed terms—always verify on the casino’s site before depositing. The names are drawn from operators with a known presence in the Australian market.

Operator	Typical Min. Deposit (AUD)	Typical Min. Withdrawal (AUD)	License	Key Feature for Low Rollers
Joe Fortune	10	20	Curaçao	Accepts AUD, crypto-friendly, fast Bitcoin withdrawals
Ignition Casino	10	20	Curaçao	Strong poker room, anonymous tables, weekly boosts
Ricky Casino	20	20	Curaçao	Large game library, crypto deposits from AUD 5 equivalent
SkyCrown	20	20	Curaçao	Modern interface, fast payouts under 12 hours for e-wallets
King Billy	10	20	Malta (MGA)	Reputable MGA license, loyalty program with low wagering

Notice the pattern. The minimum deposit is often AUD 10 or AUD 20, not AUD 1. The operators screaming about AUD 1 deposits are usually newer, less established brands with Curaçao-only licenses and higher withdrawal minimums. The more reputable names in the market stick to AUD 10-20 because that’s where their business model works without resorting to predatory withdrawal traps. A AUD 10 deposit at King Billy gets you into a casino with an MGA license and a dispute resolution process. A AUD 1 deposit at some fly-by-night site gets you… well, it gets you a deposit receipt and a prayer.

The “Key Feature” column is where you should focus. For a low roller, the most important features are fast, low-minimum withdrawals and a loyalty program that doesn’t require AUD 10,000 in wagers to unlock the first tier. Joe Fortune and Ignition are strong on crypto speed. King Billy is strong on regulatory oversight. SkyCrown is strong on user experience. Your priority list might differ, but these are the axes to compare on.

The True Cost of Playing: A Breakdown Beyond the Deposit

Let’s talk about the total cost of a session, not just the deposit. You deposit AUD 10. You play a low-volatility slot at AUD 0.20 per spin for 50 spins. Your expected loss at 96% RTP is AUD 0.40. So you’ve spent AUD 0.40 for 50 spins of entertainment. That’s a good deal. But that’s not the whole story.

If you deposited via a method with a fee, say a 2% credit card fee (if you’re using an old card before the ban fully took effect), that’s AUD 0.20. If you claimed a bonus with a 40x wagering requirement on a AUD 10 bonus, you need to wager AUD 400. At 96% RTP, your expected loss on those wagers is AUD 16. You started with AUD 10 of your own money plus a AUD 10 bonus. Your expected total loss is AUD 16, meaning you’re down AUD 6 from your original deposit, even with the “free” bonus. The bonus didn’t help; it accelerated your losses by forcing you to play more.

The real cost of a low deposit session is: deposit amount + payment fees + expected loss on wagers – expected winnings. For a AUD 10 deposit with no bonus and no fees, playing 50 spins at AUD 0.20, the cost is about AUD 0.40. That’s your entertainment expense. For a AUD 10 deposit with a 40x wagering bonus, the cost is about AUD 6. That’s six times more expensive for the same initial outlay. The bonus is a cost multiplier, not a benefit, for the low deposit player. This is the calculation the casinos don’t want you to do.

New Casinos in 2026: Proceed with Extreme Caution

The low deposit niche is a magnet for new casinos launching in 2026. They have to compete on deposit minimums because they have no reputation, no game library depth, and no loyalty base. A AUD 1 deposit is their customer acquisition tool. The problem is, you’re the product. New casinos are often undercapitalized. They might not have the liquidity to pay out a big win, even if they wanted to. They’re operating on thin margins, hoping to attract thousands of smalldepositors and paying existing winners with new deposits—a model that works until it doesn’t, spectacularly. The collapse of a mid-tier operator in late 2025, which owed AUD 2.3 million to players and had less than AUD 200,000 in reserves, is a fresh reminder. That casino had a AUD 1 deposit option and a shiny website. It also had no money.

Due diligence on a new casino takes ten minutes and saves you a world of hurt. Check the footer for the license number and verify it on the regulator’s website. A Curaçao license number is just a registration number; it doesn’t mean the site is audited. Look for a physical address and a support email that isn’t a generic Gmail. Test the live chat at 2 AM AEST to see if anyone answers. A new casino that doesn’t have 24/7 support is a casino that’s understaffed and underfunded. Read player reviews on independent forums, not the testimonials on their own site, which are as authentic as a three-dollar bill. The most telling sign is the game provider list. If they only have games from one or two obscure providers, they haven’t secured the deals with major studios like NetEnt, Pragmatic Play, or Microgaming, which require financial vetting. A casino with only proprietary games is a casino you should avoid.

Responsible Gambling with Small Stakes: The Myth of “Harmless” Fun

The industry loves to push the narrative that low deposit gambling is harmless fun. It’s a dangerous lie. The deposit amount has nothing to do with the risk of addiction. The risk is in the frequency, the chase, and the psychological hooks. A person depositing AUD 5 ten times a day is at far greater risk than someone depositing AUD 50 once a week. The low deposit model encourages frequent, impulsive top-ups. The casino makes it frictionless by saving your card details and offering one-click deposits. This is by design. The goal is to remove every possible barrier between you and the next bet.

Australian regulations require licensed operators (those with state-based licenses for land-based venues) to offer self-exclusion and deposit limits. Offshore casinos are supposed to offer similar tools, but enforcement is lax. If you set a deposit limit of AUD 20 per week on a Curaçao-licensed site, there’s a decent chance the system will “glitch” and let you deposit more. Or the limit only applies to one payment method, not all of them. The tools are there for show, to tick a regulatory box. The real protection is internal. You have to set your own hard limits and stick to them. Decide on a weekly entertainment budget—say AUD 20—and treat it like a subscription to Netflix. When it’s gone, it’s gone. Don’t chase losses. The moment you think “I’ll just deposit another AUD 5 to win back what I lost,” you’ve already lost more than money.

The signs of trouble are universal: gambling with money you can’t afford to lose, borrowing to gamble, lying about how much you’ve spent, and feeling irritable when you can’t play. If any of those ring true, the AUD 5 deposit isn’t harmless fun. It’s a symptom. Help is available through Gambling Help Online (1800 858 858) and Lifeline (13 11 14). These services are free, confidential, and staffed by people who understand the trap. Using them isn’t a sign of weakness; it’s the only smart move on the table.

What is the minimum deposit for online casinos in Australia?

There is no single minimum deposit for all online casinos in Australia. Most reputable operators set their standard minimum at AUD 10 or AUD 20. A smaller number of newer, often less-regulated sites offer AUD 1 or AUD 5 deposits as a promotional tool, but these typically come with higher withdrawal minimums and stricter bonus terms. The deposit amount is set by the individual casino, not by Australian law.

Are low deposit casinos safe for Australian players?

Safety depends entirely on the casino’s license and reputation, not the deposit amount. A AUD 10 deposit at a Malta Gaming Authority (MGA) licensed casino is far safer than a AUD 1 deposit at a site with only a Curaçao registration. Always verify the license in the website footer, check for independent audit seals like eCOGRA, and ensure the site uses SSL encryption. A low deposit does not equal a safe casino.

Can I win real money with a AUD 5 deposit?

Yes, you can win real money with a AUD 5 deposit, but your chances of a significant win are extremely low. The expected return on a AUD 5 spend playing a 96% RTP slot is AUD 4.80. You are paying for entertainment, not investment returns. Any winnings are subject to the casino’s withdrawal terms, including minimum withdrawal amounts (often AUD 20-50) and potential wagering requirements if a bonus was used.

What payment methods are best for small deposits?

For small deposits in Australia, cryptocurrency (Bitcoin, Ethereum) often has the lowest fees and fastest processing. POLi and BPAY are also fee-free from the casino’s side, but BPAY is slow. Debit cards are convenient but ensure your bank doesn’t block gambling transactions. Avoid prepaid vouchers for small deposits, as their activation fees can consume a significant percentage of a AUD 5 or AUD 10 deposit.

Do all casinos offer bonuses for small deposits?

No. The majority of casino welcome bonuses require a minimum deposit of AUD 20 or AUD 30 to activate. If you deposit AUD 5 or AUD 10, you typically receive no welcome bonus. Some casinos offer smaller “low roller” bonuses, but these come with disproportionately high wagering requirements (40x-50x), making them mathematically unfavorable. For small depositors, cashback offers or loyalty rewards are often more valuable than headline welcome bonuses.

The entire low deposit model rests on a simple transaction: you trade a small amount of cash for a few minutes of digital distraction. The casino trades that distraction for a chance to hook you into becoming a regular. The math is stacked against you from the first spin, but that’s the price of admission to any casino. Knowing the exact cost, the predatory bonus structures, and the regulatory void you’re playing in doesn’t make the game more fun. It just makes you less likely to mistake a cheap thrill for a good deal. And the AUD 1.50 fee your bank quietly deducted for that “instant” crypto conversion? That’s the real house edge.

That AUD 1.50 fee your bank quietly deducted for that “instant” crypto conversion? That’s the real house edge. And it’s the one nobody talks about because it’s not sexy enough for a banner ad. The casino gets the headlines, the bank gets the fee, and you get the receipt. The entire system is designed to make the actual cost of your “low deposit” invisible until you look at your statement and wonder where the other AUD 3 went. It went to friction. It always goes to friction.

So, the next time you see a banner for a low deposit online casino in Australia for 2026, remember the real math. It’s not about the AUD 5 entry ticket. It’s about the withdrawal minimum that’s ten times higher, the bonus terms that are a mathematical trap, the payment method that takes a silent cut, and the offshore license that offers you the consumer protection of a chocolate teapot. The low deposit is just the bait. The hook is everything that comes after. You can play the game, but you should at least know the rules of the house, not just the rules of the pokie. And for the love of all that is holy, if a casino’s website auto-plays a video of someone celebrating a win with confetti and a terrible pop song, close the tab. That’s not a sign of a good casino. It’s a sign of a marketing budget that could have gone into faster payouts.

And let’s not forget the KYC (Know Your Customer) dance. You deposit your AUD 5 with ease, but the moment you try to withdraw AUD 20, suddenly you need to provide a utility bill from the last three months, a selfie holding your passport, and a notarized letter from your mother confirming you’re a good boy. This is standard anti-money laundering protocol, but for a low roller, it feels like an interrogation for pocket change. The casino that was so eager to take your money now treats you like a potential international fugitive because you want your AUD 20 winnings. It’s a power move, designed to make you give up and play the money back. Some players do. That’s the point.

The VIP programs are another layer of this onion. They dangle “exclusive” rewards for players who deposit and wager thousands. For the AUD 5 depositor, the VIP program is a spectator sport. You watch the points accumulate at a glacial pace, knowing that the first tier—usually some bronze-level nonsense—requires AUD 1,000 in wagers to unlock a “reward” of 10 free spins worth AUD 0.10 each. The return on that “investment” is 1%. You’d get a better return from a high-yield savings account, and with significantly less risk of losing your shirt. The VIP treatment for a low roller is like getting a free upgrade to a slightly less stained room at a budget motel. It’s technically an upgrade, but you’re still in a budget motel.

Customer support is the final frontier. When you have an issue with a AUD 5 deposit or a AUD 20 withdrawal, you want it resolved quickly. The large, reputable operators have 24/7 live chat with competent agents. The smaller, low-deposit-focused casinos often have limited support hours, slow email responses, and chatbots that loop you in circles. If you can’t get a human on the line within five minutes, you’re dealing with an operation that’s understaffed and underinvested in player experience. That’s a red flag that no amount of “free” spins can cover. A AUD 5 deposit isn’t worth the headache of fighting with a support ticket system that looks like it was built in 2008.

In the end, the search for a low deposit online casino in Australia for 2026 is a search for a fair compromise. You want to play for a small amount, and you want a reasonable chance to walk away with something, or at least not feel robbed by hidden fees and impossible terms. The market has options, but they require you to be a skeptical, informed consumer. Ignore the flashing lights and the AUD 1 deposit headlines. Look at the withdrawal minimums, the payment method fees, the license in the footer, and the actual cost of any bonus. Do the math. The casino certainly has. And if the math doesn’t add up for you, walk away. There’s always another pokie. But your AUD 5 is only yours once.

There’s always another pokie. But your AUD 5 is only yours once.

And the live chat agent who just told you your withdrawal is “processing” for the fifth day straight? His name is probably not “Steve.” It’s a bot. A very polite, very persistent bot that keeps saying “I understand your frustration” without understanding a single thing. The only thing processing is your patience, and that’s running out faster than your AUD 5 deposit did.

Responsible Gambling: The Myth of Harmless Small Bets

The industry’s favourite line is that low deposits make gambling safer. It’s a convenient fiction, repeated so often it’s practically a mantra. A AUD 5 deposit is harmless fun, they say. A AUD 10 session is just entertainment, like a movie ticket. But the deposit size has absolutely nothing to do with the risk of developing a gambling problem. The risk is in the frequency, the chasing, and the psychological hooks that are baked into every aspect of the experience. A person making ten AUD 5 deposits in a single day is in a far more dangerous place than someone making one AUD 50 deposit per week. The low deposit model actively encourages frequent, impulsive top-ups. The casino makes this frictionless by saving your payment details and offering one-click deposits. This is by design. The goal is to remove every possible barrier between you and the next bet.

Australian regulations require state-licensed land-based venues to offer robust self-exclusion programs and enforce deposit limits. Offshore online casinos are technically supposed to offer similar tools, but enforcement is practically non-existent. If you set a weekly deposit limit of AUD 20 on a Curaçao-licensed site, there’s a reasonable chance the system will experience a convenient “glitch” and allow you to deposit more. Or perhaps the limit only applies to one payment method, not all of them. The responsible gambling tools are there for show, to tick a regulatory box for the offshore licence. The real protection is internal. You have to set your own hard limits and treat them as non-negotiable. Decide on a weekly entertainment budget—say AUD 20—and treat it exactly like a subscription to a streaming service. When it’s gone, it’s gone for the week. Do not chase losses. The moment you think “I’ll just deposit another AUD 5 to win back what I lost,” you’ve already lost more than money. You’ve lost perspective.

The signs of trouble are universal and have nothing to do with stake size: gambling with money you can’t afford to lose, borrowing to gamble, lying about how much you’ve spent, and feeling irritable or anxious when you can’t play. If any of those resonate, the AUD 5 deposit isn’t harmless fun. It’s a symptom of something bigger. Help is available through Gambling Help Online (1800 858 858) and Lifeline (13 11 14). These services are free, confidential, and staffed by people who understand the mechanics of the trap. Using them isn’t a sign of weakness; it’s the only smart play you can make when the math has turned against you.

What is the minimum deposit for online casinos in Australia?

Are low deposit casinos safe for Australian players?

Can I win real money with a AUD 5 deposit?

What payment methods are best for small deposits?

Do all casinos offer bonuses for small deposits?

And it’s the one nobody talks about because it’s not sexy enough for a banner ad. The casino gets the headlines, the bank gets the fee, and you get the receipt. The entire system is designed to make the actual cost of your “low deposit” invisible until you look at your statement and wonder where the other AUD 3 went. It went to friction. It always goes to friction.