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 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 to your casino, the regulator adjusts your personal limit based on your financial capacity.
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The legal frameworks and definition of the limit
The only legal way to adjust your gaming budget is to understand the calculation and request an increase via 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 gaming budget by using withdrawals strategically or requesting a personalized limit from the operator.
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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 is allowed to deposit in a month, regardless of any winnings or withdrawals. This is often a self-imposed cap set 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Net deposit limit, on the other hand, looks at the actual financial impact: the total deposited amount minus the total withdrawn amount in the same calendar month.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 following month. This mechanism ensures that winnings immediately create 'room to play' again within the legal framework. 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 Conscious Gaming Behavior. The Kansspelautoriteit, the regulator in the Netherlands, has established these rules to proactively prevent problematic gaming behavior and financial harm.
By focusing on the net loss, the law takes the reality of 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 gaming freedom 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 of 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 operators, 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 an exclusion, the limit is monitored per operator. 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 centrally linked, but apply per license holder. Understanding these basic amounts is essential before looking at options to increase them via income statements or spreading across operators.
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, operators 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 regulation is the Mandatory contact moment. If a new player sets a gross deposit limit above €350 per month, the operator must actively initiate contact. This conversation, via chat or phone, 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 final 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 providing 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 prove that your income supports the desired gaming budgets. The most widely accepted pieces of evidence are the annual income tax statement (form IB60) and recent payslips. These documents form the basis of the Income Statement that casinos use to assess your financial situation without getting direct insight into your full 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 this data is up to date, as outdated information leads to rejection.
Verification via third parties: Kreditz, Bluem, and Trustly
In addition to manual uploads, operators use specialized fintech partners for quick verification. Some operators work with Kreditz, a service that securely validates income data without the casino itself seeing bank details. Other platforms integrate Bluem, which is 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 financial capacity. I-Finance Services plays a role in this by presenting financial data to operators in a structured way, 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 tenable strategy is spreading the gaming budget across multiple license holders, as the limit applies per operator and is not aggregated centrally. However, attempts at structural circumvention via small, fragmented transactions are directly detected by banking control systems and fall under anti-money laundering legislation.
Dangers of 'casino without limits'
A Casino without limits typically refers to operators running without a Dutch license from the Kansspelautoriteit. These platforms are illegal for the Dutch market and offer no form of consumer protection or payout guarantee. Players choosing this route face significant risks, including the freezing of balances and a lack of access to dispute committees in case of issues. From a compliance perspective, it is important to emphasize that these operators are not bound by the Betting and Gaming Act. Measures such as CRUKS registration or age verification are often inadequately executed there. Playing at such a casino therefore not only carries financial risks but also supports an uncontrolled market that exposes vulnerable players to additional addiction risks.
Why smurfing does not work
Structuring (Smurfing) is the practice of splitting large amounts 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. As soon as a TMS detects suspicious activity, it is reported to the financial institution and can lead to the blocking of accounts. In addition, strict Know Your Customer (KYC) processes require 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 ignore 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 Anti-Money Laundering and Anti-Terrorist Financing Act (Wwft) forms the legal basis for extra controls on 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 can initiate investigations in cooperation with law enforcement agencies if money laundering is suspected. 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 type of loophole for deposits.
About this article - Editorial standards
Author: Sarah Weber (Casino Tester & Bonus Analyst)
Fact-checked by: Dr. Markus Hoffmann (Senior iGaming Compliance Analyst)
Last updated: 2026-08-10.
This article about "how to legally bypass the net deposit limit" was written by Sarah Weber and fact-checked by Dr. Markus Hoffmann. Both regularly update the content based on changes in regulations, licenses, and bonus terms. All references to licenses, regulators, and legislation link to public sources (the local gaming authority, the applicable local gaming law).
About the author
8+ years of experience reviewing casinos, 200+ personally tested platforms within the EU and worldwide. Former member of the eCOGRA Player Advocacy Program (2018-2022). Specialization: wagering requirements, withdrawal processes, and customer service evaluation.
About the reviewer
More than 12 years of experience in the iGaming industry, including 5 years as a compliance consultant for license holders in 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 gaming, please contact the relevant gambling helpline or use the national self-exclusion register (the relevant national self-exclusion register). Set personal deposit and loss limits BEFORE playing with real money. Breaks and cooling-off tools provided by the operator are there to keep gaming manageable.
Legal notice
The information in this article is for editorial and comparative purposes only and does not constitute legal advice. Players themselves are responsible for complying with local regulations.