How a provider proves that a player can afford a deposit of more than 1,000 euros per month is currently the subject of several court proceedings. For operators, this raises less of a legal policy question and more of a practical one: How much proof should be kept on file as long as the legal situation remains unsettled?
The Statutory Framework
Section 6c of the Interstate Treaty on Gambling 2021 (Glücksspielstaatsvertrag 2021) limits deposits to 1,000 euros per month. This limit applies across all providers combined and is recorded via LUGAS. Higher limits are possible—up to 10,000 euros, and in exceptional cases up to 30,000 euros. To qualify, the player must prove that they can afford it, in a manner that allows the regulatory authority to verify the evidence.
The standard method for this is the SCHUFA-G query. It has been recognized for years, is fast, and is convenient for the player. Nothing about this has changed so far.
What Is Currently Happening in Court
On the regulatory side, the issue revolves around whether a credit check is sufficient as proof. An administrative court expressed doubts about this in August 2026, pointing out that the authority’s own guidelines actually require proof of income. This decision is provisional, the regulator is contesting it, and the final word has not yet been spoken.
On the civil side, it is about money. Players are suing for the reimbursement of their losses if they were able to deposit more than permitted. Two Higher Regional Courts (Oberlandesgerichte) have issued conflicting rulings on this—one in favor of the players, the other against. The Federal Court of Justice (Bundesgerichtshof) will clarify the issue. When that will happen remains open.
What This Means for Operators
From a regulatory perspective, nothing changes initially as long as administrative practice remains unchanged. The civil liability risk exists independently of this. Should the Federal Court of Justice rule in favor of the players, it will depend on which documents were available at the time of a limit increase and how they were documented.
The question is therefore not whether the SCHUFA-G query may continue to be used, but what additional proof makes sense. The answer varies depending on the portfolio. It depends on how many limit increases are granted, in what amounts, and what sums would be at stake in a dispute.
How MGT Limit Check Works
The MGT Limit Check supplements the credit check with an income check. The credit report remains part of the process; it is simply no longer the sole proof.
There are two ways to conduct the income check. Either the player connects their salary account and salary deposits are automatically recognized, or they upload a document, such as a pay stub, a tax assessment, or a bank statement. Additional document types can be configured; the selection is not fixed.
Data extraction and authenticity checks are performed automatically. We coordinate with you on which data service providers work in the background, based on your market and requirements.
You define how income is converted into a limit. Options include fixed tiers, a percentage of income, or a combination with additional data. Every rule is logged so that it can be demonstrated later what applied to which player.
Those who already use our transaction monitoring system PowerComply can integrate its results. Where gambling behavior is unexceptional, a shorter check suffices. If anything unusual is flagged, a closer look is taken.
With or Without Existing Integration
The MGT Limit Check works even if you do not currently work with MGT. The verification pathway runs via a single interface, leaving your existing identity and credit check providers in place. Existing MGT users receive the limit check without initiating a new project. Upon request, we can handle operations entirely.
The legal side is accompanied by Chevron Services: evaluation of your procedure and preparation of the documents you submit to the authority.
How the legal situation unfolds will be decided in ongoing proceedings. Until then, the question of how much proof to retain remains a balance between effort, user experience, and risk. A documented income check is one way to make this trade-off consciously.
Next Step
Schedule an appointment for a technical discussion and a concept analysis with actionable recommendations. Contact Simon Otten (simon.otten@chevron.group) and Nikolas Lotz (nikolas@chevron.group) for more information.
Sources Used in Creating This Article
- https://www.beck-aktuell.de/heute-im-recht/rechtsprechung/vg-halle-7b49125-gluecksspiel-einzahlungs…
- https://www.anwalt.de/rechtstipps/online-gluecksspiel-olg-stuttgart-staerkt-verbraucherrechte-geld-…
- https://www.juraforum.de/news/online-sportwetten-ueberschreitung-des-einzahlungslimits-lg-muenchen-…
About MGT Digital Compliance Solutions
MGT Digital Compliance Solutions connects gambling operators via a single interface to the verification services required in daily operations: identity verification, account checks, payment verification, and legally mandated queries. Verification workflows can be customized per brand and market—from onboarding to ongoing monitoring to limit management—while ensuring every decision remains fully auditable. Everything is consolidated in the MGT 360 Dashboard. For legal matters and player protection, MGT collaborates with Chevron Services.