Guide: Increasing Deposit Limit & Proof of Income

Do you want to raise your deposit limit above the statutory net limit of €700? Then you must provide valid proof of income. Players demonstrate through an affordability check that higher deposits are financially feasible. You often do this by submitting an IB60 Income Statement from the Tax Authority or recent payslips to the online casino.

The Net Deposit Limit and when an increase is required

To increase the deposit limit, proof of income is required as soon as you exceed the statutory thresholds. The Gambling Authority states that players must demonstrate their affordability 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 deducting withdrawals from deposits. For players aged 24 and older, this limit is set at €700 per calendar month. This means that someone who deposits €1000 and withdraws €400 still has room within the limit. Younger players (18-23 years) have a lower limit of €300. This calculation ensures that only the net loss counts towards the allowed playing budget.

Difference between standard limit and increased limit

A Contact Moment is mandatory 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 staff member to discuss the financial risks. Only after this contact and potential 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 excluding high-risk players, regardless of individual deposit limits. Always check whether your provider complies with these national standards for safe participation.

What proof of income does the casino accept?

To successfully complete the deposit limit increase proof of income procedure, you must provide objective financial data that supports your affordability. Casinos generally accept three main documents: the IB60 Income Statement, recent payslips, 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 provides a complete annual overview without privacy-sensitive transaction details. It shows all sources of income, such as salary, benefits, or freelance (ZZP) profit, making it ideal for complex income situations. You can easily retrieve this statement via Mijn Belastingdienst using your DigiD. For the year 2025, it 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: Payslip and bank statements

When an IB60 is not immediately available, a Payslip (usually from the last 1-2 months) and a Bank Statement serve as valid alternatives. A payslip is quickly obtainable but provides less insight into the total annual income, which can be disadvantageous for freelancers (ZZP'ers) with fluctuating 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 offers a more reliable picture than individual monthly payslips and is often accepted as a replacement for the IB60 when the total annual income is relevant for determining the limit.

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 Payslip or Bank Statement is processed faster than an IB60 that still needs to be requested. It is crucial to consult the casino's specific help page, because while 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 proof of income process, 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 running into financial difficulties. This means that subjective statements are not sufficient; you must provide concrete documentation that is analyzed by a compliance team or an external party such as Bluem. Only on the basis of 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 example, Bluem handles the budget checks and registration procedures for operators like Kansino, Goldrun Casino, and Hommerson Online. This integration ensures standardized handling of sensitive financial data.

The process generally consists of 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 payslip, 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 force.

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 gaming purposes and is not shared with credit bureaus, which dispels a common misconception.

The guideline for disposable income

The core of the calculation is a percentage of the 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 deposit a maximum portion of this net per month. If you earn less, this ceiling is lower. Although the Gambling Authority assumes a certain standard, casinos may choose a stricter percentage. For advice on budget management and determining your actual disposable space, we refer to independent sources such as Nibud, which offer guidelines for responsible finances. 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 a few 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? Then this means that the submitted documents show insufficient affordability according to the internal risk models. Your account will not be blocked from playing, but you cannot deposit above the standard limit. Often you will be 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), a new Proof of Income may be required to maintain the higher limit.

Privacy, security, and alternative scenarios

When increasing the deposit limit, proof of income privacy is central. Licensed casinos fall under strict supervision of the Gambling Authority and must protect data in accordance with the GDPR. By using smart tools like KopieID or directly submitting an IB60 statement via Mijn Belastingdienst, you minimize data sharing while still complying with the duty of care.

Safe sharing of sensitive documents

Sharing financial documents often feels intimidating, but there are methods to safeguard your privacy. The KopieID app is an essential tool in this process. With this tool, you can redact 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 sets strict requirements for 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 freelancers (ZZP'ers) and students

Not everyone has a standard employer's statement or payslip. For freelancers (ZZP'ers), students, or individuals on benefits, the Tax Authority offers a solution via the IB60, as it aggregates all income (salary, alimony, business profit). This makes the document particularly suitable for people with fluctuating 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 student finance specifications or bank statements with irrelevant transactions redacted. Here too, use the KopieID methodology to keep only the net income and your identity visible. Remember that the purpose of these checks is to prevent unsustainable debt accumulation; therefore, 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

Factually reviewed by: Dr. Markus Hoffmann - Senior iGaming Compliance

Analyst Last updated: 2026-08-10.

This article on "increasing deposit limit proof of income" 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.