Spain’s Ministry of Social Rights, Consumer Affairs and Agenda 2030 has circulated a draft Royal Decree dated 12 September 2025 that would introduce a regulator-run “joint deposit limit system per player” for state-licensed online gambling, by amending Royal Decree 1614/2011 and the safer-gambling framework in Royal Decree 176/2023.
The draft spells out why the change matters: deposit limits today apply per operator, so a player’s total deposit capacity rises simply by holding accounts with multiple brands. The regulator notes that around one-third of active online players are multi-operator, and that about 80% of accumulated losses are concentrated among 10% of participants—an argument that the current model is not fully satisfactory from a consumer-protection perspective.
A new Article 36 bis would require operators to connect their systems to the DGOJ tool and consult it before accepting deposits. If the joint system indicates a deposit would exceed limits, the operator must reject it and inform the player. Players can set lower limits immediately, but raising limits above the defaults—or removing limits—would become effective only after three business days, and increases cannot be requested more often than once every three months.
The default caps in the new Annex III are €700 per day, €1,750 per week, and €3,300 per four-week period, with the four-week cycle defined to start on a Tuesday. The draft also sets a four-month testing period before the system goes live and states the decree would enter into force six months after publication, while separately updating operator guarantees (including €2.5 million per general licence in the initial period and €1.25 million thereafter) and removing mortgages as an accepted guarantee form.
