Not every Dutch gambling provider follows the rules
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5 Feb 2025 •
Reading time: 2 minutes The Ksa (Dutch gambling authority) has addressed legal gambling providers regarding the implementation of the affordability check. Research shows significant differences in how providers carry out this check. Some providers enforce strict controls, while others fall short in meeting their obligations.
Since October 1st, 2024, online casinos must conduct an affordability check for players who want to increase their deposit limits. For young adults aged between 18 and 24, the limit is €300 per month. For players aged 24 and older, the limit is €700 per month. The check must be based on verifiable data, such as payslips or tax returns. Income from loans or tax refunds cannot be counted.
Problems with compliance
Findings from the Ksa reveal that not all providers correctly apply the rules. Some providers fail to adequately verify income data. Others accept player statements without requiring supporting documents. This can lead to irresponsibly high deposit limits.
Furthermore, some providers apply bonus blocks for a period that is too short. According to the regulations, a player who exceeds the limit must be excluded from bonuses for at least 30 days. However, some providers restrict this period to the end of the month, which does not comply with the rules.
Another issue is that some providers allow players to continue depositing even after reaching their limit. This breaches the rules and requires immediate correction.
Extra measures for player protection
Some providers have taken additional steps to better protect players. For instance, young adults are excluded from increasing their deposit limits at certain providers. This aims to prevent this vulnerable group from overspending on gambling.
Players with low incomes also have a smaller portion of their monthly budget calculated as playable funds. This helps prevent problematic gambling behaviour. Some providers have introduced a hard deposit limit, preventing players from exceeding their set limits.
Incorrect calculations for entrepreneurs and asset income
Errors sometimes occur in the affordability check for entrepreneurs. Gross income is occasionally treated as net income. In some cases, assets are counted as available capital, which creates a distorted view of the player’s financial situation.
Non-liquid assets such as the equity value of a home or business capital must not be included in the deposit limit calculation. Only immediately available financial resources can be counted. The Ksa has addressed providers on this matter.The authority will continue monitoring compliance with the affordability check and will enforce regulations if providers fail to adhere to the rules.