Increasing the net deposit limit: the legal procedure and rules
You cannot bypass the net deposit limit. However, you can have it legally increased by providing a proof of income. Since October 1, 2024, a standard limit of €700 applies to players aged 24 and older, and €300 for young adults between 18 and 24. By uploading proof of income or assets at your casino, the regulator adjusts your personal limit based on your financial capacity.
The legal frameworks and definition of the limit
The only legal way to adjust your playing budget is by understanding the calculation and requesting an increase through income verification. This limit, which took effect on October 1, 2024, restricts the difference between deposited and paid-out amounts per calendar month. Instead of looking for illegal workarounds, players can optimize their playing budget by using withdrawals strategically or requesting a personalized limit from the provider.
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The distinction between gross and net
The regulations distinguish between two types of caps. The Gross deposit limit is the absolute maximum amount a player may deposit in a month, regardless of any winnings or withdrawals. This is often a self-imposed cap when creating an account. The Net deposit limit, on the other hand, looks at the actual financial impact: the total deposited amount minus the total withdrawn amount in the same calendar month.
Suppose you deposit €100 and withdraw €40. Then you have only deposited €60 net. As soon as this net amount exceeds the limit of €700 (or €300 for young people), the online casino blocks further deposits until the first day of the next month. This mechanism ensures that winnings immediately create 'room to play' again within the legal frameworks. With a purely gross system, this would not be possible.
Government objective
The goal is for players not to lose more than they can afford. The introduction of these measures is a direct implementation of the Policy Rule on Responsible Gaming and the Regulation on Gaming Limits and more conscious gaming behavior. The Kansspelautoriteit, the regulator in the Netherlands, drafted these rules to proactively prevent problematic gaming behavior and financial harm.
By focusing on the net loss, the law takes the reality of the gameplay into account. If a player wins a lot, they do not need to be artificially restricted in reinvesting those winnings, as long as the total net loss remains within safe margins. This balance between freedom of play and protection forms the cornerstone of the current Dutch licensing system.
The role of CRUKS and central registration
In addition to deposit limits, the Central Register for Exclusion from Games of Chance (CRUKS) plays an important role in player protection. Although CRUKS primarily serves to exclude players with an addiction risk from all legal providers, it works in tandem with individual limit monitoring. A player listed in CRUKS cannot open or maintain an account, making limit increases irrelevant. For players without exclusion, the limit is monitored per provider. The legislation does not aggregate this data centrally across different casinos for the deposit block, although responsible gaming is always monitored.
Standard amounts and age categories
Anyone looking for how to legally bypass the net deposit limit must first understand the strict frameworks. The legislation applies strict monthly caps that differ per age group: €300 for young people and €700 for adults. These limits are not linked centrally, but apply per license holder. Understanding these basic amounts is essential before looking at increase options via income statements or spreading across providers.
Limits for young adults (18-24 years)
For young adults (18-24), a protective measure applies due to the vulnerability of this target group. The maximum net deposit limit here is set at €300 per calendar month. This amount is calculated as the difference between deposited and withdrawn funds. In addition to this net limit, providers often apply a lower gross deposit limit, where exceeding it triggers a mandatory interaction. Players in this age category must be aware that this limit is automatically applied to prevent excessive losses.
Rules for players aged 24 and older
For players 24+, the standard net deposit limit is wider, namely €700 per month. This cap forms the starting point for most adult players without additional financial verification. Although this amount is higher than for young adults, it remains a hard upper limit unless one submits an income statement. Many players wonder how they can manage this limit. The answer lies in monitoring the net balance (deposits minus withdrawals) instead of just the gross input.
The mandatory contact moment for high amounts
A critical element in the regulations is the mandatory contact moment. If a new player sets a gross deposit limit above €350 per month, the provider must actively make contact. This conversation, via chat or telephone, serves to create risk awareness. The player must confirm that they are aware of the risk of loss. This €350 threshold acts as an early warning system, independent of the ultimate net limit of €700, and ensures an extra layer of control before higher amounts are allowed.
Procedure for legally increasing your limit
It is a misconception that players can bypass the net deposit limit. The only legal path is a formal increase based on financial capacity. By submitting an income statement or payslip, you demonstrate that a higher limit is responsible within the legal frameworks. This procedure requires verification via tools such as Kreditz or Bluem, after which a waiting period of seven days applies before the new limit becomes active.
Which documents do you need?
To increase your limit, you must demonstrate that your income supports the desired playing budgets. The most widely accepted proof documents are the annual income tax statement (form IB60) and recent payslips. These documents form the basis for the income statement that casinos use to assess your financial situation without getting direct insight into your entire bank account. Players can upload these files via the customer service portal, where the responsible gaming team checks if the request fits your profile. It is crucial that these details are up to date, as outdated information leads to rejection.
Verification via third parties: Kreditz, Bluem, and Trustly
In addition to manual uploads, providers use specialized fintech partners for rapid verification. Some providers work with Kreditz, a service that securely validates income data without the casino itself seeing bank details. Other platforms integrate Bluem, known for its Budget Check and link with the IB60 form for accurate income checks. Trustly and i-Finance Services are also deployed as reliable providers for linking bank data and verifying identity and capacity. i-Finance Services plays a role in this by offering financial data in a structured format to operators, which speeds up the process compared to manual assessment. These tools ensure that the income statement is processed digitally and error-free.
The 30% rule and waiting periods
The maximum increase is determined by the 30% rule: your net deposit limit may generally not exceed 30% of your net monthly income. With an income of €1700, the maximum limit is therefore €510. A request for more will be rejected or even adjusted downwards. After approval, a statutory waiting period of 7 days follows. This cooling-off period gives players time to reconsider their decision, a measure prescribed by the Kansspelautoriteit to prevent impulsive behavior. During this week, the old limit remains in force.
Legal alternatives and risk management
Anyone looking for how to legally bypass the net deposit limit must realize that direct manipulation of the limit is impossible without official approval. The only legally viable strategy is spreading the playing budget over multiple license holders, as the limit applies per operator and is not centrally aggregated. However, attempts at structural evasion through small, fragmented transactions are directly detected by banking control systems and fall under money laundering legislation.
Dangers of 'casino without limit'
A casino without limits generally refers to providers operating without a Dutch license from the Kansspelautoriteit. These platforms are illegal for the Dutch market and offer no form of consumer protection or guarantee of withdrawal. Players choosing this route run significant risks, including the freezing of balances and the lack of access to dispute committees in case of problems. From a compliance perspective, it is important to emphasize that these providers are not bound by the Gambling Act. Measures such as CRUKS registration or age verification are often inadequately implemented there. Playing at such a casino therefore not only carries financial risks but also supports an uncontrolled market that exposes vulnerable players to additional risk of addiction.
Why smurfing does not work
Structuring (Smurfing) is the practice where large sums are split into smaller transactions to bypass reporting thresholds or limits. Banks such as ING, Rabobank, and ABN AMRO use advanced Transaction Monitoring System (TMS) software to automatically detect this pattern. Once a TMS detects suspicious activity, this is reported to the financial institution and can lead to accounts being blocked. In addition, strict Know Your Customer (KYC) processes oblige casinos to verify the source of funds before large deposits are accepted. Providers such as Trustly and Bluem integrate these checks directly into the payment flow, making it virtually impossible to effectively bypass the net limit through fragmented deposits without it being noticed by the compliance department of the bank or casino.
Role of FIU-Netherlands and Wwft
The Money Laundering and Terrorist Financing Prevention Act (Wwft) forms the legal basis for extra monitoring of unusual transactions in the gambling sector. Financial institutions are legally obliged to report suspicious patterns, such as structuring, to FIU-Netherlands (Financial Intelligence Unit). This body analyzes the reports and, in case of suspicion of money laundering, can launch an investigation in cooperation with law enforcement agencies. For the player, this means that any attempt to artificially bypass the limit not only leads to account blocks at the casino but can also create a permanent negative profile with banking institutions. The Wwft thus ensures that the integrity of the financial system remains guaranteed, at the expense of any kind of workaround for deposits.
About This Article - Editorial Standards
Author: Sarah Weber (Casino Tester & Bonus Analyst)
Factually reviewed by: Dr. Markus Hoffmann (Senior iGaming Compliance Analyst)
Last updated: 2026-08-10.
This article on "how to legally bypass the net deposit limit" was written by Sarah Weber and factually reviewed by Dr. Markus Hoffmann. Both regularly update the content for changes in regulation, licensing and bonus terms. All references to licences, regulators and statutes link to public sources (the local gambling regulator, the applicable local gambling statute).
About the Author
8+ years reviewing casinos, 200+ personally tested platforms across the EU and globally. Former member of the eCOGRA Player Advocacy Program (2018-2022). Specialty: wagering requirements, withdrawal workflows, customer-support evaluation.
About the Reviewer
12+ years in the iGaming industry, including 5 years as a compliance consultant for licensed operators across multiple regulated markets. PhD in Economic Mathematics. Focus areas: bonus mathematics, wagering analysis, and player-protection systems.
Responsible Gambling
Gambling can be addictive. If you feel you are losing control of your play, please reach out to the relevant problem-gambling helpline or use the national self-exclusion register (the relevant national self-exclusion register). Set personal deposit and loss limits BEFORE you play with real money. Operator pauses and cooldown tools exist to keep play sustainable.
Legal Notice
The information in this article is provided for editorial and comparison purposes only and does not constitute legal advice. Players are responsible for compliance with local regulations.