Interac Casinos in Canada: Deposits, Withdrawals, and What Actually Moves Money in 2026

Marcus opened his banking app at 11:47 p.m. on a Tuesday. He had just cleared a $1,840 session on Book of Dead at a licensed Ontario site and requested a cash-out through Interac e-Transfer. By breakfast the money was sitting in his chequing account. No ticket number drama. No “compliance review” email that never ends. That is the bar Canadians now set for Interac casinos, and anything slower feels like a relic from the grey-market years.

This guide maps how Interac works inside real-money casinos, which operators handle it cleanly, where limits bite, and how Ontario’s regulated market changed the payment playbook. You will get deposit and withdrawal mechanics, side-by-side comparisons, fee reality checks, and a plain look at what still goes wrong when banks or casinos freeze a transfer. No charity talk. Casinos process payments because volume pays the bills.

What Interac means inside an online casino

Interac is Canada’s domestic debit network. At a casino it usually appears as Interac e-Transfer, sometimes as Interac Online (declining in retail banking), and occasionally under a processor label that still routes through the same rails. For players, the practical question is simple: can you push CAD from a Canadian bank account into a casino wallet and pull winnings back without converting to USD or crypto first?

Licensed Interac casinos Canada treat e-Transfer as a first-class method. Unlicensed offshore brands may list it through third-party pay gateways with extra steps, name mismatches, or sudden refusals. The difference shows up the first time you try to withdraw more than a few hundred dollars.

Interac is not anonymous. Your legal name, email or mobile number, and bank relationship sit behind every transfer. That is a feature for regulated operators and a friction point for anyone hunting “no KYC” fantasies. If a site markets Interac while promising zero identity checks above trivial amounts, treat the claim as marketing, not infrastructure.

How Interac e-Transfer deposits usually work

You select Interac in the cashier, enter an amount inside the casino’s min/max band, and receive either an autofill banking handoff or deposit instructions tied to a unique email/reference. Many Ontario-regulated brands use integrated flows so you authenticate inside your bank’s interface. Older offshore cashiers still rely on manual e-Transfer to a registered payee with a security question.

Typical minimum deposits sit between $10 and $20. Upper single-transfer caps often land between $3,000 and $10,000 depending on your bank’s daily e-Transfer limit and the casino’s risk rules. Banks independently cap outbound e-Transfers; a casino advertising $10,000 means nothing if your personal banking profile tops out at $3,000 per day.

Why Canadians still prefer Interac over cards

Credit cards trigger cash-advance fees at many issuers when coded as gambling. Visa and Mastercard declines remain common on offshore MIDs. Interac moves CAD as a push payment from funds you already hold. For day-to-day play at online casinos that accept Interac, that combination of speed, currency match, and fewer surprise bank fees keeps it on top of cashier menus in 2026.

Marcus hits a wall: a deposit story worth studying

Before that clean $1,840 withdrawal, Marcus burned a weekend. He registered at a flashy Curacao-licensed brand running a $500 match banner, tried an Interac deposit of $200, and watched the transfer sit in limbo. His bank showed “sent.” The casino chat bot repeated “pending compliance.” Forty-one hours later the funds bounced back minus nothing, but the bonus window had expired and his mood with it.

Root cause was boring. The name on his bank profile included a middle initial the casino account omitted. The payment intermediary flagged the mismatch. No fraud. No conspiracy. Just identity hygiene colliding with a gateway that had zero patience for partial matches. He moved to an iGaming Ontario brand the next week, completed KYC before depositing, and the same $200 cleared in under four minutes.

Keep that sequence in mind. Most “Interac is broken” threads on forums are name, limit, or licensing problems wearing a payment costume.

What Marcus changed before the next deposit

He matched legal name fields exactly, verified email and phone, uploaded a driver’s licence and a void cheque during daytime hours, and tested with $20 before loading a full bankroll. Dull process. High signal. The second operator’s cashier showed Interac with an estimated credit time of 0–15 minutes and kept the promise.

Canadian legality and why the cashier looks different by province

Canada is not one gambling market. Ontario runs a regulated open market under the Alcohol and Gaming Commission of Ontario (AGCO) with iGaming Ontario (iGO) as the conduct operator framework. In Ontario, licensed operators must meet payment, responsible gambling, and geolocation standards. Interac support is widespread among those brands because CAD banking is expected infrastructure, not a novelty.

Outside Ontario, many residents still use provincially run sites (BCLC, ALC, Loto-Québec’s offline and online arms, and similar) or offshore brands. Payment experience varies hard. Some provincial sites lean on their own wallets and bank partnerships. Offshore brands may list Interac through resellers that change without notice. If you care about dispute paths, licensed Ontario casinos and official provincial operators sit in a different legal category than a random .com with a PDF “licence.”

What “licensed” changes about Interac withdrawals

Regulated operators are pushed toward documented KYC, source-of-funds checks on larger cash-outs, and clearer terms. That can feel slower the first time you verify. After verification, Interac withdrawals often settle same day or next business day. Offshore sites can pay fast when it suits them and stall when a large win hits the risk queue. Speed alone is a weak proxy for trust.

2026 market pressure on payments

Canadian banks continue tightening merchant category monitoring. Operators without stable acquiring relationships lose card rails first and alternative methods second. Interac persists because it is domestic and well understood, yet banks still reverse or delay transfers tied to high-risk payees. Expect more casinos to pre-verify players before enabling full Interac limits rather than less.

Best Interac online casinos: how to read a shortlist

A useful shortlist for best Interac casinos weighs licence posture for your province, Interac availability on both deposit and withdrawal, published time ranges, game catalogue depth, and bonus rules that do not punish bank transfers. Brand fame without cashier reliability is noise.

Below is a practical operator set drawn from brands Canadians actually discuss in cashier contexts. Availability of Interac can differ by province, account history, and vendor contracts. Always confirm inside the cashier after login; public marketing pages lag reality.

Casino Interac deposits Interac withdrawals Typical withdrawal window Notes for CAD players
BetMGM Casino Yes (region dependent) Yes where enabled Often within 24 hours after approval Strong Ontario brand recognition; app polish
LeoVegas Casino Yes Yes where enabled Same day to 24 hours common after KYC NetEnt/Red Tiger heavy lobby
Betway Casino Yes Limited / varies 1–2 business days typical Sports-casino combo accounts common
Jackpot City Casino Yes via processors Often bank-centric 1–3 business days after review Long-running Microgaming catalogue
Spin Casino Yes via processors Bank methods common 1–3 business days Similar stack to sister brands
888 Casino Yes (region dependent) Varies by market 24–48 hours after approval Established table and live seats
PokerStars Casino Yes where offered Yes where offered Often fast after verification Useful if you also play poker cash games
Unibet Casino Yes (region dependent) Varies 1–2 business days Odds + casino under one login
PlayOJO Casino Yes where offered Method-dependent 24–48 hours common Known for clearer bonus framing
TonyBet Casino Yes Yes where enabled 0–48 hours after approval Broader bet types beside slots
Bitstarz Casino Sometimes via third parties Crypto-forward Crypto often faster than CAD rails Interac not the core identity
Stake Casino Crypto primary Crypto primary Minutes on-chain after approval Not an Interac-first product

Notice the split. Brands built for regulated Canadian channels treat Interac as normal plumbing. Crypto-native brands may list CAD gateways inconsistently. If your priority is Interac e-Transfer casinos with round-trip bank access, start with operators that show Interac on withdrawals, not only deposits.

Ontario-focused cashiers versus national marketing pages

National landing pages sometimes advertise methods that appear only after the site detects an Ontario IP and a verified account. Reverse case also happens: a method vanishes after a risk flag. Screenshot the cashier when you deposit so you have a reference if support later claims a method “was never available.”

Brand depth beyond the table

Players comparing casinos that accept Interac also bounce between Bet99, Casino Days, Extreme Casino, Ruby Fortune, Royal Vegas, Golden Nugget Casino, DraftKings where product access exists, Party Casino, Vera & John, Wildz, Casinia, Neón-style challenger brands such as Neon54, and crypto-leaning rooms like BC.Game Casino or Roobet. Interac presence is uneven across that set. Treat each cashier as its own product, not a chain-wide promise.

Interac deposit limits, speed, and bank-side caps

Casino ceilings and bank ceilings are separate systems. Your bank may allow $3,000 per transfer and $10,000 per day; the casino may allow $5,000 per transaction but only $5,000 per week for new accounts. The effective limit is the lowest number in the chain.

Deposit speed on integrated Interac flows is often under 15 minutes. Manual e-Transfer instructions can take longer if the casino’s payment team works in batches. Overnight deposits on weekends occasionally sit until a human reconciles references. If a brand promises “instant” and regularly delivers multi-hour waits, the promise is a slogan.

Minimums that actually matter

A $10 minimum looks friendly next to a $20 table minimum inside Evolution live blackjack. Match payment minimums to how you play. Slot-only sessions with $0.20 spins can live on $20 reloads. Live roulette with $5–$10 chips burns small deposits as fees of impatience rather than bank fees.

When banks throttle gambling-related e-Transfers

Some financial institutions apply velocity checks. Five casino-bound transfers in a day can trigger a hold even when each amount is modest. Spreading reloads, keeping documentation, and avoiding VPN jumps during payment sessions reduces false positives. If your bank blocks a payee, calling them helps more than spamming casino live chat.

Withdrawals with Interac: the part people actually care about

Interac e-Transfer deposit and withdrawal casinos earn loyalty on the way out. Deposit marketing is easy. Paying a $2,200 withdrawal on a Sunday night is the product.

Regulated operators typically run a two-stage process: internal approval (KYC, bonus completion, bet history checks) then payment release. Interac cannot fix an account still inside a 40x wagering requirement. Clear bonuses or understand locked funds before you hit cash-out.

Step What you do What fails in practice Time impact
1. Account verification Submit ID, address, payment proof Blurry photos, name mismatch +0–72 hours if sloppy
2. Wagering check Finish bonus playthrough or forfeit Hidden game weighting at 10–20% Hours to days of play
3. Cashier request Choose Interac, enter amount Method disabled until deposit mirror rules Minutes if enabled
4. Risk review Wait for operator approval Large win flags, multiple Mirrors accounts 0–48 hours common
5. Bank credit Accept e-Transfer if required Full inbox, expired transfer links Minutes to hours

Mirror rule still appears in many terms: withdraw using the method you deposited with, up to the deposited amount, with excess wins by another method. If you deposited $100 via Interac and won $900, the first $100 may be forced back through Interac while the remaining $800 goes to bank wire or another approved rail. Read that clause before you celebrate.

Realistic withdrawal ranges in CAD

After full KYC, many stable operators release Interac cash-outs in under 24 hours. First withdrawals often take longer. Amounts above $5,000 can trigger enhanced checks even on clean accounts. Splitting $6,000 into two $3,000 requests sometimes helps with bank caps, sometimes multiplies review events. There is no universal hack, only trade-offs.

Fees: casino side versus bank side

Casinos frequently advertise $0 Interac fees and recoup costs inside house edge and payment processing margins. Your bank might charge for certain e-Transfer tiers if you are outside a free package. Interac Request Money and autodeposit settings change whether you must manually accept a transfer. Autodeposit to your email is the cleanest setup for incoming casino payments.

Interac versus other payment methods Canadians use

Interac wins on domestic familiarity. It loses when you need non-CAD play, instant crypto rails, or privacy theatre. Comparing methods side by side keeps expectations honest.

Method Deposit speed Withdrawal speed Typical friction Best use case
Interac e-Transfer Minutes Same day–48h after approval Name match, bank caps CAD bankroll in regulated casinos
Visa / Mastercard debit Instant when accepted Often not for withdrawals Gambling declines, cash-advance fees on credit Quick deposits if issuer allows
iDebit / Instadebit Minutes 1–3 business days Extra account layer When Interac payee lists fail
MuchBetter Minutes Fast inside wallet Wallet KYC + cash-out to bank Multi-casino wallet users
Bitcoin / USDT Network dependent Fast after operator approval Volatility, on-ramps Crypto-first brands
Bank wire 1–3 days 1–5 business days IBAN/SWIFT fees offshore Large verified cash-outs

If your entire life runs in CAD chequing, best online casinos that accept Interac remain the path of least nonsense. If you already hold stablecoins and play at Stake Casino or Bitstarz Casino style lobbies, Interac is a side door at best.

When Interac is the wrong tool

Currency conversion shops dressed as casinos, operators without CAD wallets, and brands that only allow Interac deposits to trap balances are poor fits. Also wrong: trying to evade a bank’s gambling block by layering friends’ accounts. That path ends in frozen funds and closed banking relationships.

Bonuses, wagering, and Interac fine print

Payment method can change bonus eligibility. Some promotions exclude e-wallet-like rails or third-party processors even when the button says Interac. Others allow Interac but raise wagering from 35x to 45x. A “100% up to $500” deal with 40x on bonus only means $20,000 in weighted play before withdrawal if you claim the full $500. At a 96% RTP slot, expected loss on that grind sits near $800 before variance—math, not mood.

Free spin bundles attached to first Interac deposits often use capped wins ($50–$100 is common) and max bet rules during wagering ($5 per spin appears frequently). Break the max bet rule and the casino can void winnings. That clause is enforced more than players expect.

Example session math on a $100 Interac deposit bonus

Deposit $100 via Interac, claim a 100% match, play slots weighted 100% with a 35x bonus wagering requirement on the $100 bonus alone. Turnover target: $3,500. On a 96.5% RTP title the theoretical house edge is 3.5%, so expected value loss across pure grind is about $122.50 before you ever touch the cash balance. Wins can outrun that. The structure still explains why a “free” match is a priced product.

Marcus and the max-bet trap

During his offshore weekend, Marcus landed a $72 bonus win, then bet $10 spins because the slot’s bonus buy screamed at him. Terms capped bonus play at $5. Support voided the lot. Legal under the T&Cs he clicked. Painful. On the Ontario site he later used, he read the $5 max bet line twice and stayed at $2 spins until wagering cleared. Less glamorous. Money kept.

Games worth playing once the Interac balance lands

Payment method does not change RTP. Game selection does. Canadian-facing lobbies lean on Pragmatic Play, NetEnt, Microgaming, Evolution, Hacksaw Gaming, Play’n GO, and Push Gaming. Titles players actually load after a deposit include Book of Dead (check the RTP version shown in the info panel; 96.21% and lower settings both exist), Sweet Bonanza, Gates of Olympus, Big Bass Bonanza, Starburst, and Money Train variants where approved.

Live tables from Evolution dominate evening traffic: Lightning Roulette, Crazy Time, boutique blackjack with $5–$25 minimums depending on seat. Progressive jackpots remain a separate risk class; a $0.25 spin feeding a pool looks harmless until you treat it like a savings plan.

RTP discipline without superstition

If two casinos offer the same Pragmatic slot at 96.5% and 94%, the payment speed will not save the lower RTP over a long sample. Interac convenience is not a substitute for reading the help file inside the game client.

App play and banking handoff

Mobile Chrome and Safari handle most Interac redirects. In-app browsers inside some casino apps break bank authentication. If a deposit fails twice, open the casino site in a full browser before blaming Interac itself. Autodeposit email must match the casino payout email exactly or withdrawals bounce into manual hell.

Security, disputes, and what support can actually do

Interac transfers are hard to reverse once completed. That protects merchants and strands players who send money to the wrong payee reference. Double-check emails and security answers on manual flows. Prefer integrated cashiers that never show you a raw payee string.

For regulated Ontario operators, complaint paths escalate from support to the operator’s internal process and then toward the regulatory framework’s dispute channels. For offshore brands, your leverage shrinks to chargeback-like mechanisms that often do not apply cleanly to push e-Transfers. Prevention beats eloquence after the fact.

KYC documents that clear on the first upload

Use colour scans or photos with readable edges, matching addresses, and unexpired ID. Utility bills older than three months get rejected constantly. If you deposited with Interac, a bank screenshot showing your name, logo, and account identifiers helps bind the payment method to the person.

Data sharing realities

Casinos share verification data with payment vendors and fraud tools. That is normal. It also means a fake address used at one brand can haunt a later registration when the same email collides with a database. Consistency is boring and effective.

Common Interac casino failures and fixes

Most failures cluster into five buckets: identity mismatch, bank velocity limits, bonus locks, method not enabled for withdrawals, and operator payout backlog. Work them in that order before assuming the network is down nationwide.

If a transfer shows completed at the bank but missing in the casino after 30–60 minutes on an integrated flow, open a ticket with timestamps, amount, reference ID, and a screenshot. Do not send a second identical deposit immediately; duplicates create messier reconciliations.

Security question transfers still exist

Some gateways still use question-and-answer e-Transfers. Use unique answers per transfer when instructed, never reuse your dog’s name across five casinos, and store the answer where you can find it twenty minutes later. Expired transfers return to the sender on Interac’s timeline, not the casino’s mood.

Province detection and VPN accidents

Geolocation soft-fails cause cashiers to hide CAD methods or show a catalogue you cannot legally use. Turn off VPNs for banking steps at regulated sites. If you travel, expect Ontario products to lock outside permitted zones. That is compliance, not a personal insult.

How to choose among top Interac casinos without wishful thinking

Build a checklist and run it cold. Licence relevant to your location. Interac on deposit and withdrawal. Published min/max. KYC completed before big deposits. Bonus terms you can finish with your real bet sizes. Game providers you already trust. Support transcripts you can live with. Two casinos that pass beat ten bookmarks that almost pass.

For Canadians who want best Interac online casinos as a weekly habit rather than a one-off hunt, stability outranks a 300% banner. House edge compounds. So do delays.

Quick operator snapshots beyond the main table

Bet365 Casino appeals when sports and casino sit in one wallet, though method availability is market-specific. Captain Cooks Casino and Lucky Days Casino show up in older affiliate lists with processor-based banking. Zodiac Casino and Spin Palace Casino share the long-tail Microgaming-era reputation for CAD marketing. GGBet Casino and Melbet Casino chase multi-vertical users; verify Interac inside the cashier rather than trusting a blog table from last year. 1xBet Casino remains widely blocked or restricted depending on path—payment stories there are inconsistent enough to demand extra caution.

Challenger brands—AeroBet Casino, Razor-thin clones in the “spin” naming family, Crownplay Casino, MyEmpire Casino, Wazamba Casino, FortuneJack Casino—often rotate gateways. A glorious Interac experience in March can be a dead button in June. Lightweight test deposits remain rational.

Red flags specific to payment pages

Only deposits via Interac, withdrawals exclusively in crypto at a worse effective rate. Support that cannot quote a limit number. Terms that allow indefinite “security reviews.” Bonus wagering above 50x on combined deposit + bonus with low game weighting. You do not need all four to walk away. Two is plenty.

Responsible use of fast payments

Interac’s speed cuts both ways. Reloading $50 four times in an evening feels smaller than one $200 decision, yet the total is identical. Set a daily deposit ceiling inside your bank banking alerts if available, and use casino-level deposit limits where regulated products offer them.

If play stops being entertainment, stop depositing. In Canada, provincial resources and the Connection helpline at 1-866-531-2600 are starting points for problem gambling support. Self-exclusion tools on regulated Ontario sites are designed to lock accounts across participating operators—use them early rather than after credit stress.

Bankroll rules that survive contact with a cashier

Separate entertainment money from rent money in different accounts. Disable autodeposit from a primary savings email if that reduces impulse routing. End sessions on a timer, not on a loss-chase. Fast rails make discipline a personal system, not a network delay you used to hide behind.

FAQ on Interac casinos

What are Interac casinos?

Interac casinos are real-money gambling sites that let Canadian players deposit or withdraw using Interac, usually via e-Transfer in CAD. The better ones support both directions after identity checks. Always confirm the method inside your account cashier because public ads lag contract changes with payment vendors.

Are Interac deposits safe at online casinos?

Interac itself is a mature Canadian payment network. Safety depends more on the casino’s licence, cash-out policy, and KYC handling than on the rail. Regulated Ontario operators and established provincial sites provide clearer recourse than unlicensed offshore pages that only rent an Interac gateway.

How long do Interac casino withdrawals take?

After the casino approves a request, many Interac cash-outs arrive within minutes to 24 hours. First-time approvals, large amounts over $5,000, or unfinished bonus wagering push timelines to 48 hours or more. Bank processing and autodeposit settings also affect the final leg.

Can I withdraw to Interac if I deposited by card?

Sometimes, but many casinos apply reverse-payment rules that force withdrawals back through the original method up to the deposited amount. Surplus wins may go to Interac if enabled. Check terms or ask support before you play through a large balance under mixed methods.

Why did my Interac casino deposit fail?

Common causes include bank daily limits, name mismatches, blocked gambling payees, VPN geolocation failures, or an expired manual transfer. Retrying without reading the bank SMS rarely helps. Confirm limits, disable VPN, match legal names, and start with a small test amount.

Do Interac casinos charge fees?

Many casinos list Interac as free while embedding costs in overall margins. Your bank plan might still price e-Transfers outside a free tier. Watch for currency conversion if a site credits USD while you send CAD—the FX spread is a real fee with better branding.

Is Interac available at all Canadian online casinos?

No. Availability depends on the operator’s payment stack, your province, and risk checks on your account. Crypto-first brands may omit it. Some offshore casinos advertise Interac yet disable withdrawals. Verify both directions after login before you commit a full bankroll.

What is the minimum Interac deposit at most casinos?

Minimums commonly fall between $10 and $20 per transaction. A few branded rooms sit at $25. Live dealer sessions and bonus offer thresholds may force higher practical deposits even when the cashier allows $10 technically.

Do I need KYC to use Interac at a casino?

For withdrawals, yes at any operator you should trust. Some sites let small deposits through before full verification, then lock cash-outs until ID clears. Completing KYC before depositing larger amounts prevents the classic “winnings held for documents” stall.

Which is better for Canadians: Interac or crypto?

Interac fits CAD banking, simpler taxes record-keeping for many casual players, and regulated cashiers. Crypto fits speed at crypto-native brands and cross-border flexibility, with volatility and on-ramp fees. If your paycheque lands in a Canadian chequing account, Interac usually produces less operational friction.

Can Ontario players use Interac at iGaming Ontario casinos?

Yes, Interac is widely supported among Ontario-regulated casino brands for deposits and, where enabled, withdrawals. Exact limits and processing times vary by operator. Play only inside the legal Ontario channel if you are physically in the province and want regulated protections.

What banks work with casino Interac transfers?

Major Canadian banks and credit unions that support Interac e-Transfer generally work. Individual institutions may block specific merchant payees or apply extra fraud checks. If one bank throttles gambling transfers, switching institutions is a personal banking decision with its own costs.

Practical setup checklist before your first $100

Create the casino account with your legal name as printed on your ID and bank profile. Turn on Interac autodeposit to the same email. Upload KYC during support’s daytime hours. Read bonus max-bet and payment exclusion lines. Deposit $20, play a low-stakes session, request a $20 withdrawal, and time it. Only scale when the round trip behaves.

That test costs less than a dinner and reveals more than any awards badge on a homepage. Marcus learned it the expensive way so you do not have to.

Document hygiene worth keeping

Store PDFs of terms on the day you claim a bonus, cashier screenshots of stated Interac limits, and chat transcripts with timestamps. When a dispute stays factual, resolution odds improve. When everything is vibes, the house writes the ending.

Limits that keep Interac speed from becoming a problem

Use product-level deposit caps where offered: $50 a day and $200 a week is a coherent entertainment budget for many casual slots players. Raise only after a deliberate review, not after a bad beat on Gates of Olympus. Fast payments need slow decisions around them.

Where Interac casinos go from here

Ontario’s regulated market normalized CAD banking expectations. Other provinces continue mixed models with crown corporations and offshore traffic. Payment vendors will keep reshuffling. Players who verify first, test small, and demand Interac on withdrawals—not just deposits—will keep better records and fewer forum rants.

The operators named across this page—from BetMGM Casino and LeoVegas Casino to Jackpot City Casino, Spin Casino, 888 Casino, PokerStars Casino, Unibet Casino, PlayOJO Casino, TonyBet Casino, Betway Casino, and the longer tail of CAD-facing rooms—rise or fall on execution. Interac is plumbing. Plumbing only matters when the money needs to arrive.

Final filter before you deposit

If the cashier hides withdrawal options until after you fund, leave. If support cannot state a numeric limit, leave. If licence information is a mystery graphic, leave. Plenty of Canadian Interac casinos clear a basic competence bar. Your edge as a player is refusing the ones that do not.

Closing view for CAD players in 2026

Interac remains the default rail for Canadians who want casino balances tied to real bank accounts without pretend “gifts” from marketing departments. Use licensed channels when you are in Ontario, treat offshore cashiers as higher risk, finish KYC early, and measure operators by withdrawal behaviour under ordinary amounts like $200, $500, and $1,000.

Marcus still plays—shorter sessions, pre-set caps, same BetMGM and LeoVegas style cashiers that already know his verified file. The exciting part was never the payment logo. The exciting part was logging out with the balance he expected in the account he already owned.

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