Top-up vs ready-made account: what's the difference?

Many products say “top-up and ready-made accounts, same price”, meaning you can choose either method at the same cost:

Top-up: onto your own account

You provide your account details and we activate the subscription on it. The account stays yours, with your history and settings; you need to provide the required information and make sure the account can log in normally.

Ready-made account: we give you an account

We provide an account with the subscription already active, ready to use — good if you have no account or prefer not to use your own. Please log in promptly after receiving it, change whatever can be changed, and keep it safe.

How to choose?

• Already have an account and want to keep your chat history: choose top-up.
• Want it simple, or have no account: choose a ready-made account.

Which method applies to which product is confirmed by support.