Guide: Increasing Deposit Limit & Proof of Income

Do you want to raise your deposit limit above the legal net limit of €700? If so, you must submit a valid proof of income. Players demonstrate via an affordability check that higher deposits are financially feasible. You often do this by providing an IB60 Income Statement from the Tax Authority or recent pay slips to the online casino.

The Net Deposit Limit and when an increase is required

Proof of income for increasing the deposit limit is required as soon as you exceed the statutory thresholds. The Gambling Authority states that players must prove their affordability in order to continue playing responsibly within the established framework.

What exactly does the net deposit limit entail?

The Net Deposit Limit is a regulation that limits the actual risk of loss by subtracting withdrawals from deposits. For players aged 24 and older, this limit is set at €700 per calendar month. This means that anyone who deposits €1000 and withdraws €400 still has room within the limit. Younger players (18-23 years old) have a lower limit of €300. This calculation ensures that only the net loss counts towards the permitted playing space.

Difference between standard limit and increased limit

A Contact Moment is mandatorily activated as soon as you set a monthly deposit limit above €350 (or €150 for young adults). This is not just a form, but a mandatory conversation with a representative to discuss the financial risks. Only after this contact and any subsequent approval can the limit be increased, often with a cooling-off period of seven days. This mechanism breaks the automatic gambling flow and forces conscious reflection on budget management.

Do these rules apply to all legal providers?

Yes, these rules are universal for all holders of a Dutch license supervised by the Gambling Authority. Providers such as GGPoker, OneCasino, 711 Casino, and bet365 strictly apply these limits. Platforms linked to Bluem also follow this legislation closely. Registration in Cruks also remains essential for the exclusion of high-risk players, regardless of individual deposit limits. Always check whether your provider meets these national standards for safe participation.

What proof of income does the casino accept?

To successfully complete the procedure for increasing the deposit limit with proof of income, you must provide objective financial data that supports your affordability. Casinos generally accept three main documents: the IB60 Income Statement, recent pay slips, or bank statements. These documents serve as the foundation for the mandatory affordability check, where providers verify whether gambling expenses remain within responsible limits relative to your net monthly income.

The IB60 Income Statement as the preferred document

The IB60 Income Statement is preferred by many operators because this official document from the Tax Authority offers a complete annual overview without privacy-sensitive transaction details. It shows all sources of income, such as salary, benefits, or self-employed profits, making it ideal for complex income situations. You can easily retrieve this statement via 'Mijn Belastingdienst' using your DigiD. For the year 2025, this is available from March or April 2026, depending on your tax filing obligation. Because the IB60 does not reveal detailed spending, but only total income, it is seen as the most privacy-friendly option for players who want to clarify their financial situation without excessive data sharing.

Alternatives: Pay slip and bank statements

When an IB60 is not directly available, a Pay slip (usually from the last 1-2 months) and a Bank statement act as valid alternatives. A pay slip is quickly obtainable but provides less insight into the total annual income, which can be disadvantageous for self-employed individuals with variable income. A bank statement must clearly show your name, the IBAN of your casino account, and the salary deposit. For employees, the Annual Statement (Jaaropgave) is also a strong document; this summary of tax data provides a more reliable picture than individual monthly slips and is often accepted as a replacement for the IB60 when total annual income is relevant for determining limits.

Specific requirements per provider (e.g., GGPoker vs Bluem partners)

There are differences in accepted documents between operators. Some platforms, such as OneCasino, offer verification via credit bureaus like Kreditz in addition to document uploads, which can bypass the need for manual Proof of Income uploads. Other providers work with strict internal checks where a Pay slip or Bank statement is processed faster than an IB60 that still needs to be requested. It is crucial to consult the specific help page of the casino, as where one operator offers flexibility with an Annual Statement, another may exclusively require the most recent payroll records for quick approval.

The process: Affordability check and disposable income

To successfully complete your deposit limit increase with proof of income, you must understand that this is not a simple administrative task, but a legally required financial assessment. The Gambling Authority requires providers to objectively determine whether players can afford their gambling behavior without getting into financial trouble. This means that subjective statements are not sufficient; you must provide concrete documentation analyzed by a compliance team or a third party like Bluem. Only based on this verified data can the limit be adjusted within the framework of the duty of care.

How does the affordability check work in practice?

This process is often outsourced to specialized parties; for instance, Bluem handles the budget checks and registration procedures for operators like Kansino, Goldrun Casino, and Hommerson Online. This link ensures standardized handling of sensitive financial data.

The process generally involves four steps: 1. Application: You submit a request for a limit increase via your player account. 2. Documentation: You upload the required documents, such as a recent pay slip, bank statement, or an IB60 form (income statement). Sometimes a copy of your ID is also requested for identification. 3. Assessment: A compliance team or a third party like Bluem analyzes the documents for authenticity and affordability. 4. Decision: Upon approval, the limit is adjusted; if rejected, the standard limit remains in effect.

It is important to know that sharing this data with gambling providers does not affect your BKR registration or credit score. This data is strictly used for internal responsible gambling purposes and is not shared with credit bureaus, which clears up a common misconception.

The guideline for disposable income

The core of the calculation is a percentage of disposable income. This guideline states that your total monthly net deposits may not exceed a certain percentage of your monthly disposable income. 'Net' here means: the total amount of deposits minus the withdrawals you received in the same period.

Suppose your gross annual income results in a monthly net income of ™€3.000. According to the guideline, you may only deposit a maximum net portion of this per month. If you earn less, this ceiling is lower. Although the Gambling Authority assumes a certain standard, casinos are allowed to choose a stricter percentage. For advice on budget management and determining your actual disposable space, we refer to independent sources such as the Nibud, which offer guidelines for responsible finance. This rule acts as a hard ceiling to prevent problematic gambling behavior.

Processing time and rejection of applications

The duration of the assessment varies by operator and method. While some casinos respond within hours, it can take up to three business days with other providers. If you use services like Kreditz for instant verification, this process can be accelerated, but a manual check of documents by a team takes more time.

Is your application rejected? This means the provided documents show insufficient affordability according to the internal risk models. Your account is not blocked from playing, but you cannot deposit above the standard limit. Often, you are given the opportunity to provide additional proof, or you must wait until your financial situation changes. Remember that an approved increase is often temporary; after a certain period (often one year), new Proof of Income may be required to maintain the higher limit.

Privacy, security, and alternative scenarios

Privacy is key when increasing the deposit limit with proof of income. Licensed casinos are subject to strict supervision by the Gambling Authority and must protect data in accordance with the GDPR. By using smart tools like KopieID or directly providing an IB60 statement via Mijn Belastingdienst, you minimize data sharing while still fulfilling the duty of care.

Safe sharing of sensitive documents

Sharing financial documents often feels intimidating, but there are methods to protect your privacy. The KopieID app is an essential tool in this process. With this tool, you can black out specific fields on your identity document, such as your BSN (citizen service number) and passport photo, as long as your name and date of birth remain visible for verification. This protects against identity fraud without compromising the validity of the document for the compliance department.

Additionally, it is important to understand who has access to your data. Casinos do not operate in a vacuum; they are supervised by the Gambling Authority, which imposes strict requirements on data security and customer protection. Many players fear that sharing income data affects their BKR registration. This is a misconception: casino data is not reported to credit registration bureaus.

No fixed income? Options for self-employed individuals and students

Not everyone has a standard employer's statement or pay slip. For the self-employed, students, or individuals receiving benefits, the Tax Authority offers a solution through the IB60, as it aggregates all income (salary, alimony, business profits). This makes the document particularly suitable for people with variable income streams.

If you do not yet have historical data with the Tax Authority, for example as a student or recent immigrant, it can be difficult to provide a complete statement. In such cases, some providers accept alternative evidence, such as details of student finance or bank statements with irrelevant transactions masked. Again, use the KopieID methodology to only leave your net income and identity visible. Remember that the purpose of these checks is to prevent unsustainable debt accumulation, so be transparent about your financial situation. Should you need help managing your gambling behavior, please contact Loket Kansspel for free and confidential advice.

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 "increasing deposit limit proof of income" was written by Sarah Weber and fact-checked by Dr. Markus Hoffmann. Both regularly update the content following changes in regulations, licensing, and bonus conditions. All references to licenses, regulators, and laws link to public sources (the local gambling authority, the applicable local gambling 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 licensees 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 like you are losing control of your play, please contact the relevant helpline for gambling problems or make use of 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 from the provider are there to keep gambling 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.