Abstract. A detailed accuracy assessment of the geopotential model Jgm3 is made based on independent single- and dual-satellite sea-height differences at crossovers from altimetry with Jgm3-based orbits. These differences, averaged over long time spans and in latitude bands, are converted to spectra (latitude-lumped coefficients) by least-squares estimation. The observed error spectra so obtained are then compared directly to error projections for them from the Jgm3 variancecovariance matrix. It is found from these comparisons that Jgm3 is generally well calibrated with respect to the crossover altimetry of and between Geosat, TOPEX/Poseidon (T/P), and Ers 1. Some significant discrepancies at a few lower orders (namely m=1 and 3) indicate a need for further improvement of Jgm3. A companion calibration (by order) of the geopotential model Jgm2 shows its variancecovariance matrix also to be generally well calibrated for the same single- and dual-satellite altimeter data sets (but based on Jgm2 orbits), except that the error projections for Geosat are too pessimistic. The analysis of the dual-satellite crossovers reveals possible relative coordinate system offsets (particularly for Geosat with respect to T/P) which have been discussed previously. The long-term detailed seasonally averaged Geosat sea level with respect to T/P (covering 19851996) should be useful in gauging the relative change in sea level between different parts of the ocean over the single 4-year gap between these missions (19881992).