Spain Gives Operators Six Months to Test Joint Deposit Limits
Spain’s new deposit limits are not being applied to players yet. September 25 instead opened a six-month period for operators to test the system behind them.
March 25, 2027 is the date set for live use. The project was approved earlier this year. In June, the DGOJ outlined a model where deposits made by the same player at different licensed gambling companies are counted together.
€600 Per Operator Does Not Disappear
Limitations on deposits are already established in Spain. As outlined in the DGOJ guidance, the allowed amount is €600 per day, €1,500 per week, and €3,000 per month per operator. These rules stay as they are.
A new provision that will come into force in March is €700 for one day, €1,750 for seven days, and €3,300 over the four weeks. Therefore, a person can be within the limit of one site but fail the central check due to deposits made elsewhere.
The difference between these two amounts can be seen clearly in the example of three accounts. With the current limit of €600 per day, the separate limits total €1,800. The joint default to be introduced in the future is €700 per day for three accounts.
In that case, there is a difference of €1,100 between the two limits. In percentage terms, the joint default is about 61% lower than the theoretical three-account total.
A Deposit Will Need an Outside Answer
Operators will have until March to integrate their system with the central service. Upon the implementation of the regime, a deposit cannot be assessed only against activity held by that operator. A query must also consider any deposits made elsewhere in the licensed market.
The DGOJ has provided technical documentation for the above process, which includes a new REST specification. This turns the six months into more than just a deadline. The payment systems need to correctly communicate and respond to the request before the transaction can be approved.
Privacy Work Comes With the Connection
The project also creates a separate compliance task. Player deposit information will move between an operator and the central system. Xavi Muñoz of ECIJA told iGaming Expert that terms and privacy notices will need attention during implementation. He also pointed to privacy-impact assessment work.
The September 25 date therefore starts the operator build and testing period rather than changing what customers can deposit immediately.
Defaults Can Still Move
The market-wide amounts are default limits. Players can choose lower figures. Requests for a higher limit or removal of the joint restriction are also possible, but they come with a delay.
An increase or removal takes effect after three business days. If a player voluntarily cuts a limit, another increase or removal request cannot be made for three months.
The technical test runs up to March 25, 2027, when Spain plans to move the joint check into live deposit processing.