Neteller Casinos NZ 2026: Fees, Payout Speed and the Operators That Still Accept It

Neteller remains one of the most practical e-wallets for New Zealand players who want to keep casino spending away from their everyday bank feed. The product has been around since 1999, sits inside the Paysafe group, and still appears in the cashier of most offshore-facing casino brands that accept Kiwi custom. What has changed is the economic logic. Cheap electronic transfers come with conversion spreads, top-up fees on certain cards, and occasional payment-route blocks. The NZ$10 deposit many players remember is not always as clean as it looks.

This page walks through how Neteller actually works for casino play, which New Zealand-friendly operators accept it today, where the hidden costs sit, and how to avoid the three most common mistakes — declined first deposits, bonus blocks, and slow first withdrawals. You will find tables for fee ranges, payout timings, and direct comparisons with POLi, Skrill, and PayPal. There are no promo codes and no fabricated sign-up offers. Just the mechanics as they stand in 2026.

Neteller casinos in New Zealand: the short version

Neteller works with many New Zealand-facing online casinos as a two-way bridge: you load the e-wallet, push funds to the casino instantly, and pull winnings back to the same e-wallet, usually within 24 hours after the first withdrawal clears its standard checks. The method matters most for players who value speed, privacy from bank statements, and the ability to hold NZD alongside other currencies. It matters less for players making one-off NZ$5 deposits or chasing bonus-heavy promotions.

Three reasons keep Neteller alive in New Zealand despite the rise of crypto and local POLi transfer. The first is separation: casinos appear as an e-wallet payment, not as a gambling line on your bank statement. The second is speed: deposits are almost always instant once the cashier confirms, and e-wallet withdrawals complete faster than card payouts. The third is multi-currency control: you can hold a New Zealand dollar balance, convert only when the spread makes sense, and avoid the repeated card fees that eat into small accounts.

The trade-off is fee discipline. Neteller does not make its money on the casino deposit itself; it makes it on how you fund the wallet, how you convert currency, and how long you leave money idle. Ignoring those three levers turns a good payment method into an expensive one. Paying attention to them is what separates players who skim the market from players who get skimmed by it.

How Neteller actually works under the hood

Account, KYC and the NZD balance

Opening a Neteller account takes a few minutes. You set up an email, password, and a base currency; New Zealand residents can select NZD without issue. Verification starts with light details and ramps up as volumes grow. Once you move past routine thresholds, Neteller asks for proof of identity, address, and sometimes the source of the funds. This is not an attempt to block you. It mirrors the same KYC rhythm the casino itself applies, except the casino usually asks for less paperwork because you have already verified with an e-money institution. The practical result is a faster first payout compared to a card withdrawal that often needs a fresh bank statement.

NZD balances are useful but not perfect. Neteller applies a currency conversion margin whenever you move money between currencies. If a casino pays winnings back to your Neteller account in NZD and you keep it in NZD, you avoid that cost. If the casino’s processor settles in USD or EUR and Neteller auto-converts, you will lose somewhere between 1.5% and 3.5% on the spread compared to the mid-market rate. It is not a hidden fee in the sense of an itemised charge, but it is real money leaving your balance.

Deposit flow, limits and the 5-second pause underneath

When you click deposit, the casino sends a request to Neteller’s API. Neteller authorises the amount against your balance, confirms the merchant code, and returns an approval token. That entire round trip usually finishes in under two seconds. The casino then credits your player account before the page refresh completes. From the user’s perspective, it is instant.

Under the hood, there are velocity checks. Neteller monitors how quickly you attempt back-to-back transactions, how many different merchant accounts you hit within a short window, and whether your wallet balance moves in patterns that suggest card testing. Think of it as speed cameras on a motorway. You can drive fast most of the time, but if you trigger three cameras in one kilometre, the system flags the plate. Casinos that accept Neteller also run their own session timers. A 5-second pause between spins or deposit retries is often built into the game client or cashier to stop automated scripts. New Zealand does not mandate a statutory spin pause, but many game providers still impose a short idle window between rounds, especially on imported EU-regulated titles. The technical layer exists to slow down bot play, not to punish human users.

Limits work the same way as speed limits. A NZ$1,000 per transaction cap is not there because NZ$1,001 is dangerous and NZ$1,000 is safe. It is there to force you to make a conscious decision. If a casino allows a NZ$20,000 deposit in one tap, an impulsive player can lose a month’s salary before the banking app even sends a notification. A limit breaks that chain. Neteller applies its own tiers: unverified accounts get a low lifetime transaction ceiling, verified accounts can move larger sums, and VIP wallets get higher ceilings after a manual review. The casino on top has its own responsible gambling deposit limits, usually configurable in the account settings.

Which New Zealand-facing casinos accept Neteller in 2026

Not every brand that takes Kiwi players offers Neteller. Some push Skrill because both wallets sit under the same parent but have different risk departments. Others push POLi because it is local and cheaper for the operator. A few still refuse e-wallets altogether for bonus abuse reasons. The table below covers operators from the New Zealand market that are consistently listed as accepting Neteller deposits and withdrawals, based on current cashier information and player reports.

The list changes often. A casino that accepted Neteller in January may drop it in March if the payment provider renegotiates fees. Always check the cashier after logging in, not before reading a review. The deposit button visible to a UK account can differ from what appears to a New Zealand IP.

Neteller casino fees in New Zealand: what actually costs money

Most New Zealand players assume Neteller is free because the casino does not charge a deposit fee. That assumption is half true. The casino rarely charges for loading money via e-wallet, but Neteller charges on the other side of the equation. Here is the breakdown that matters.

The biggest leak is not the card top-up fee. It is the double conversion. Imagine you deposit NZ$100 by card into Neteller, paying a NZ$2 fee because your card is charged in NZD but Neteller converts internally to USD. Then you deposit USD 70.31 into a casino that settles back to your wallet in USD. You finally withdraw USD 65.00 after a loss, convert back to NZD at a worse rate, and send to your bank. You can easily lose 6–8% of your starting amount without the casino charging a single fee. That is why using POLi or bank transfer to load Neteller is the single most effective cost-cutting move available to Kiwi players.

Neteller vs Skrill: what actually differs for a Kiwi player

Neteller and Skrill both belong to the Paysafe group. They share infrastructure, risk teams, and sometimes the same merchant list. But the products are not identical. Neteller tends to have a slightly larger casino acceptance footprint in New Zealand because it was the first e-wallet to gain traction with the major Microgaming and Playtech operators back in the early 2000s. Skrill moved into that space later and won market among European sportsbooks and poker rooms.

For an everyday casino deposit, the differences are marginal. Skrill occasionally offers slightly cheaper currency conversion for NZD, while Neteller sometimes has better withdrawal-to-bank options. The fees shift by a fraction of a percent and change without much notice. What matters more is which wallet your target casino treats as a standard method and which one is excluded from bonuses. Some brands accept both but only allow one to count toward the welcome offer. If the fine print says “Skrill deposits qualify, Neteller deposits do not,” the choice is made for you.

A practical note: if you already hold a Skrill account with a verified balance, there is rarely a need to open Neteller just for casino play. Use what you have. The one exception is when a casino runs a promotion that explicitly requires a specific e-wallet. Otherwise, chasing the last 0.2% in fee difference is not worth the extra KYC burden.

Neteller account verification: a deeper look for New Zealand users

Neteller’s verification process is reasonable but not instant. A new account can usually receive and spend a small amount without full ID checks. Once you exceed a lifetime threshold — often around NZ$1,000 in cumulative transactions or a single large top-up — the system freezes the balance until you upload documents. A New Zealand driver licence or passport works for identity, and a bank statement or utility bill covers address.

Document review typically takes 12 to 48 hours. During that window, you cannot send money to a casino. That surprises players who open Neteller five minutes before a live match and try to deposit NZ$500. The casino deposit fails, the wallet blocks the funds, and the player assumes the casino is broken. In most cases, Neteller is simply asking for the same paperwork a bank would demand.

If you plan to use Neteller regularly, complete verification on day one. It removes the most common first-deposit failure and unlocks higher transfer ceilings. The unverified account is fine for a NZ$50 test, but not for a serious casino session.

Neteller limits and VIP levels: how high can you go?

Neteller does not publish a single limits table that applies to everyone. The numbers depend on account verification, funding history, and VIP tier. A new unverified account may only be able to hold or move a few hundred NZD. A verified account can typically handle four-figure deposits without friction. VIP accounts, reached by passing volume and frequency thresholds, unlock five-figure and six-figure transfers, dedicated support, and reduced fees.

For casino players, the practical ceiling is usually set by the casino, not Neteller. Even if Neteller allows a NZ$20,000 transfer, the casino’s responsible gambling engine may cap monthly deposits at NZ$1,000 or NZ$5,000. High rollers who want to move large sums must often contact the casino’s VIP team, provide source-of-wealth documentation, and agree to higher limits. The payment method is rarely the obstacle.

Micro-deposit casino players face the opposite issue. Some NZ-facing brands allow a NZ$1 or NZ$5 deposit by card or POLi but refuse e-wallet deposits below NZ$10 because the processing cost is unfair. Neteller itself does not block small transfers, but the casino may impose a minimum deposit for e-wallets. Again, check the cashier.

Neteller on mobile: casino apps and browser play

Most NZ players access Neteller casinos through a mobile browser, not a dedicated casino app. That works because Neteller’s payment portal is responsive and can be embedded in a pop-up or redirect flow. On a smartphone, the deposit process feels the same as on desktop: tap the cashier, choose Neteller, log in, approve, return to the game. The 2FA prompt adds one extra step if you have it enabled, but that is a minor cost for a major security gain.

Some casino apps, especially those from LeoVegas or Casumo, integrate Neteller natively. The wallet login appears inside the app’s security layer, which reduces the risk of phishing. If you play predominantly on mobile, choose an operator with a well-built app rather than forcing a desktop site into a phone browser. The payment flow is smoother, and the session timers and deposit limits are easier to access from the app menu.

One quirk: Apple’s App Store rules and Google Play policies can affect how casinos present payment methods in downloadable apps. An app version may hide Neteller while the mobile web version shows it. If the cashier does not list Neteller in the app, switch to the browser and check again. That is a platform restriction, not an operator change.

Neteller and responsible gambling: using the wallet as a brake

Casino deposit limits are one layer of protection. Neteller offers another. You can set spending alerts, transaction limits, and balance caps inside the wallet itself. If you only load NZ$200 per week into Neteller from your bank, the casino cannot magically take more than that. The wallet becomes a budget envelope. Your bank card sits behind a deliberate transfer step, which interrupts impulse deposits.

This works, but it requires discipline. Neteller will not stop you from loading another NZ$200 ten minutes after the first if your bank allows it. The e-wallet is a tool, not a guardian. Combined with casino-level deposit limits of NZ$100 per day or NZ$300 per week, the two layers create enough friction to break a tilt spiral.

If you use Neteller heavily for gambling, consider disabling the one-tap top-up option. That feature links your card and lets you fund the wallet from inside the casino cashier without leaving the page, which is convenient but dangerous during a losing streak. Turn it off and force yourself to log into Neteller separately. Two extra clicks can save a week’s disposable income.

Troubleshooting: why a Neteller deposit might fail

A failed deposit usually has one of five causes. First, the Neteller account is unverified and has hit a lifetime transaction limit. Fix: upload your documents. Second, the casino has excluded Neteller from deposits for your account or region. Fix: try another method or contact support. Third, the card on file with Neteller has expired or been declined. Fix: update the card in your Neteller dashboard. Fourth, the casino’s payment processor has blocked the transaction because the IP address or device fingerprint looks suspicious. Fix: use a stable connection and avoid VPNs. Fifth, Neteller’s risk engine flagged the transfer as unusual due to rapid repeated attempts. Fix: wait 15 minutes and retry once.

When a deposit fails, the money usually returns to your Neteller balance within minutes. If it does not, raise a ticket with Neteller and keep the transaction ID. Do not re-try the same deposit five times in a row; that only makes the risk engine more suspicious.

The cost of a real session: a worked example

Let’s run the numbers for a typical NZD 300 session at an offshore casino. Assume the player funds Neteller by bank transfer, so no card fee. The bank transfer takes one business day, but the money lands fee-free. The player then deposits NZD 300 to JackpotCity using Neteller. The casino credits NZD 300 instantly. The player loses NZD 200 on pokies and cashes out NZD 100. The withdrawal to Neteller takes 36 hours after approval. Neteller to the bank account is free and takes one business day. Total cost: zero direct fees, one day of waiting for the bank transfer, and 36 hours for the first casino payout. The only “cost” is time.

Now change the method. The player funds Neteller by credit card instead of bank transfer. Card fee at 2% is NZD 6. The casino’s processor settles the withdrawal in USD because the player did not select NZD. Neteller converts NZD to USD on deposit at a 2% margin (NZD 6) and back to NZD on withdrawal at another 2% (NZD 2). Total cost: NZD 14 on a NZD 300 session, or 4.7%. That difference is not trivial. Over ten sessions, the bank-transfer player keeps NZD 140 more. That is almost half a session’s bankroll.

This example is the core reason every Neteller casino guide should start with funding method, not casino selection. The casino is not charging you. The wallet is not charging you in the way a bank charges an overdraft. The money leaks quietly through conversion and card fees. Fix the funding method and you fix most of the cost problem.

Best Neteller casinos in New Zealand: a ranked shortlist

If you want a quick verdict, here is a practical ranking based on Neteller integration, payout speed, bonus treatment, and mobile experience. This is not a paid list. It reflects what a careful Kiwi player should consider.

LeoVegas leads for mobile-first Neteller users. The app is fast, the verification flow is clear, and first withdrawals to Neteller often complete within 12 hours after approval. The downside is that some bonuses exclude Neteller, so you may need to deposit by card to claim the welcome offer. For pure cash play, it is hard to beat.

Casumo is close behind. The casino treats verified Neteller accounts fairly and processes withdrawals quickly. The bonus engine still flags e-wallets in certain campaigns, but the overall experience is smooth. If you value a clean interface and low friction, Casumo is a strong pick.

JackpotCity and its sister brands Spin Casino and Royal Vegas are legacy operators with reliable Neteller rails. They have been doing this for two decades. The first withdrawal takes up to 48 hours, but the process is predictable. Bonus restrictions on Neteller are common, so treat the welcome package as a card-only offer unless the terms say otherwise.

Winz.io is the wildcard for players who want fast payouts and a crypto-friendly environment but still prefer fiat e-wallet deposits. Neteller works, and withdrawal approval is often under 24 hours. The casino is newer, so the bonus terms change frequently.

Avoid SkyCity Online Casino if your primary method is Neteller. It does not accept the wallet at all, and the local experience is built around POLi and bank transfers. That is not a criticism; it is just a mismatch.

How to choose a Neteller casino: a 5-point checklist

When you compare operators that accept Neteller, look at five things. One, does Neteller count as a qualifying deposit for the bonus you actually want? Two, what is the casino’s stated first-withdrawal time for e-wallets? Three, does the casino settle payouts in NZD or force a currency conversion? Four, what are the deposit minimums for e-wallets specifically? Five, does the casino offer the games you play — Neteller works the same on pokies, blackjack, and live dealer tables, but the casino itself may specialise.

Run this checklist in under ten minutes and you will avoid most regret purchases. The player who picks a casino for its banner ad and then discovers Neteller deposits do not trigger the bonus is the same player who later writes a complaint thread on a forum. The information was there. It just required reading one paragraph.

Alternatives to Neteller for NZ casino players

Neteller is one of several e-money options. Skrill is the closest sibling and almost interchangeable. MuchBetter has gained traction among some sportsbooks and casinos because of its lower fees on small deposits. ecoPayz used to be a thing, but it has been fading from the NZ market. PayPal is accepted at a smaller number of casinos and rarely qualifies for bonuses. POLi is excellent for deposits but cannot receive withdrawals. Crypto is the fastest option if you are comfortable with volatility and self-custody, but it adds a layer of complexity that many casual players do not want.

The best approach is to hold two methods: a local one for fee-free deposits (POLi or bank transfer) and an e-wallet for withdrawals and bonus-neutral play. Neteller can fill the e-wallet slot, but so can Skrill. Pick whichever one you already trust or whichever one your main casino accepts without e-wallet bonus exclusions.

Neteller casinos in New Zealand and the law

New Zealand’s Gambling Act 2003 prohibits local operators from offering online casino games, but it does not criminalise Kiwi residents who play at offshore sites. The enforcement focuses on operators advertising within New Zealand, not on individual players moving money through e-wallets. Neteller is a legitimate payment business. Using it to deposit at an offshore casino is not a criminal act under current New Zealand law, though the operator itself may be in a grey zone depending on its licence.

That said, players have no consumer protection from the Gambling Act if an offshore casino refuses to pay. You can pursue a dispute through the casino’s licence authority, but that process is slow and often disappointing. Neteller cannot force a casino to release winnings. The wallet is a payment rail, not an insurance policy.

For that reason, play only at offshore casinos with a substantial track record and a licence from a recognisable body. JackpotCity, Spin Casino, LeoVegas, Casumo, and Royal Vegas have been in the market long enough that a sudden refusal to pay is unlikely. Newer brands like Boo Casino or Winz.io are legitimate but less battle-tested. Choose accordingly.

Frequently asked questions about Neteller casinos in NZ

Is Neteller safe for online casino deposits in New Zealand?

Yes. Neteller is an established e-money institution owned by Paysafe, with segregated client funds and two-factor authentication. The main risks are phishing and user error, not the underlying payment rail. Use a unique password, turn on 2FA, and only access the site directly.

Do all NZ online casinos accept Neteller?

No. SkyCity Online Casino and some local-only brands do not accept Neteller. Most offshore-facing casinos that cater to New Zealand players do accept it, but bonus terms may differ. Check the cashier before signing up, not after.

Can I claim a welcome bonus with a Neteller deposit?

Often not. Many casinos exclude Neteller and Skrill deposits from welcome bonuses because e-wallets are historically associated with bonus abuse. Some still allow free spins or loyalty points. Read the promotion terms and search for “Neteller”.

How fast are Neteller casino withdrawals in NZ?

After the casino approves the withdrawal, funds reach your Neteller account within minutes to a few hours. First withdrawals take longer because of identity verification, typically 24 to 72 hours. Later withdrawals at fast-payout casinos can clear within 12 hours of approval.

What fees do I pay when using Neteller at an NZ casino?

You may pay a card funding fee of 1–2.5% when topping up Neteller, plus a currency conversion margin of 1.5–3.5% if you convert between NZD and other currencies. The casino usually charges no deposit fee. Use bank transfer to load your wallet to avoid most costs.

Why was my first Neteller deposit declined at a casino?

A declined first deposit is often caused by an unverified Neteller account, a new card not in your name, or a velocity limit triggered by multiple rapid transactions. Complete your Neteller identity verification before depositing. If it still fails, contact the casino support team and quote the transaction reference.

Can I withdraw casino winnings to a different Neteller account?

No. Almost every casino requires withdrawals to return to the same Neteller account used for the deposit. This prevents fraud and money laundering. If your Neteller account is closed or changed, you will need to contact support and provide proof of ownership before any payout is approved.

What is the minimum deposit for Neteller at NZ casinos?

Most casinos set the minimum Neteller deposit at NZ$10 or NZ$20, even if they accept NZ$1 by card or POLi. Some crypto-friendly brands allow NZ$5. The casino, not Neteller, sets the floor. Check the cashier.

Can I use Neteller for live dealer games and pokies?

Yes. Neteller is a payment method,

Yes. Neteller is a payment method, not a game restriction. Whether you play pokies, blackjack, live dealer tables, or progressive jackpots, the deposit and withdrawal flow is identical. The casino may apply game-specific wagering contributions for bonuses, but that has nothing to do with Neteller.

The technical underbelly: session timers, bet limits, and e-wallet velocity

Casino platforms are not monolithic. They are built from three separate layers: the game provider’s client, the casino’s risk engine, and the payment processor’s fraud model. Neteller sits in the third layer, but its decisions are influenced by signals from the first two. When you trigger five deposits in ninety seconds, the casino’s risk engine may pause your cashier access even if Neteller approves each transaction. The three systems talk to each other through velocity rules, not human judgement. Understanding those rules is the difference between a smooth session and a pointless support ticket.

The five-second spin pause: where it comes from

If you have ever clicked the spin button twice and seen nothing happen for a moment, you have met a session timer. Many game providers, including Pragmatic Play, NetEnt, Microgaming, and Evolution, embed a short pause between rounds. In the European regulated market, some jurisdictions mandate a minimum interval — Germany’s 5-second rule is the most famous example, and its 1-euro-per-spin cap is equally well known. New Zealand does not impose those rules. But because game providers build a single client for multiple markets, the pause often ships worldwide. The result is a NZ player getting a 5-second delay that was designed for a Berlin living room.

This pause does not affect Neteller deposits directly. It slows down the rate at which you lose money, which in turn reduces the number of deposits you might make in a short session. That is not accidental. A player who can spin 200 times a minute will burn through a NZ$50 deposit in three minutes and may top up again immediately. The 5-second gap stretches that NZ$50 to twenty-five minutes or more, reducing the frequency of payment events. For Neteller’s risk engine, fewer rapid top-ups mean fewer false fraud flags. The technical layer quietly improves the payment flow by making the game less frantic.

The 1-euro bet cap: a foreign import that NZ players see occasionally

The 1-euro maximum bet on slots is a German regulatory rule, not a New Zealand one. You will not find a NZ$1.70 spin limit imposed by New Zealand law. However, some game clients display a default bet ceiling that appears surprisingly low. That happens when the provider has not fully localised the game for the NZ market and the European defaults bleed through. The casino can override those settings, but not always in real time. If you see a game refusing to let you bet NZ$5 per spin, check whether the game is set to a restricted jurisdiction mode. It is a software configuration issue, not a casino policy against high rollers.

How Neteller's velocity limits interact with casino session controls

Neteller’s risk engine looks at the number of transactions, the time between them, the merchants involved, and the funding source. A single NZ$100 deposit at 7pm is unremarkable. Five NZ$20 deposits at 7:01, 7:03, 7:04, 7:06 and 7:07 will trigger a review. The casino’s session controls can cause that pattern: a player who hits a pause timer may think the deposit failed and click again, creating rapid repeated attempts. That is why the best practice is to wait for the casino confirmation screen before retrying. A failed deposit usually returns funds to Neteller within minutes, but retrying before the first attempt settles can lock the wallet for an hour. The 5-second pause is not just about spins; it also applies to the cashier in some implementations, adding another layer of friction that prevents double-transactions.

Limits are just as mechanical. Neteller caps unverified transaction volume, not to protect your bankroll, but to satisfy anti-money-laundering requirements. The casino then applies its own daily, weekly, and monthly deposit caps as responsible gambling tools. The two sets of limits are independent. A high-roller can have Neteller verified for NZ$50,000 transfers but still be limited to NZ$1,000 per month at a casino. To raise that ceiling, you contact the casino’s VIP team, provide source-of-wealth documents, and agree to a new limit. Neteller does not need to approve the increase; it only needs to process the transfer. The casino is the gatekeeper of session limits.

Neteller for high-volume players: VIP treatment and fee negotiation

Most Neteller users never see VIP status because they move less than NZ$2,000 per month. For those who consistently transfer four or five figures, the fee structure changes materially. Neteller’s VIP programme reduces card funding fees, lowers currency conversion margins, and sometimes waives withdrawal fees entirely. The exact thresholds are not published, but a pattern of regular four-figure deposits to a single casino over several months is enough to get noticed.

Casino VIP teams also adjust their treatment based on payment method. A player who deposits through Neteller can expect faster withdrawal approval because the e-wallet KYC reduces fraud risk. The casino’s compliance team sees a verified Neteller account as a strong identity signal. That translates into fewer document requests and shorter hold times. For high rollers, Neteller becomes not just a payment rail but a credibility marker.

The downside is that high-volume Neteller use can attract attention from the wallet itself. Neteller may ask for source-of-wealth documentation if you suddenly start moving NZ$50,000 per month after years of NZ$200. That is not a punishment; it is a legal requirement under anti-money-laundering rules. Have your documents ready and the review can be cleared in a day. Ignore the request and funds may be frozen for weeks.

If you play at this level, skip the public casino bonus offers. They are not designed for you. Negotiate directly with the VIP manager. A high-volume Neteller player can often get a cashback deal or lower wagering requirements that are not advertised. E-wallet deposits may still be excluded from bonus qualification in the standard terms, but a custom VIP agreement overrides that. Get it in writing, though. A verbal promise from a support agent is not a contract.

The final judgement on Neteller casinos in New Zealand is simple: the method works, the fees are manageable if you fund the wallet by bank transfer and keep everything in NZD, and the casino acceptance is broad enough for most players. The real cost is not the deposit fee but the currency conversion margin and the bonus exclusions you did not read. Fix those two things and Neteller becomes one of the cleanest ways to move money in and out of an offshore casino. The traffic lights are there to slow you down just enough to make a rational decision. Whether you respect them is the only variable left.