Brazil Senator Proposes R$80 Monthly Deposit Cap for Betting

Brazilian Senator Camilo Santana has introduced legislation that would establish a default monthly deposit limit of R$80 (approximately US$15) for customers participating in the country’s regulated fixed-odds betting market.

Under Bill 3765/2026, the proposed cap would apply to a customer’s total deposits across all betting operators authorised by Brazil’s Ministry of Finance. This means bettors would not be permitted to deposit R$80 separately with each licensed operator, with the limit instead applying collectively to all of their betting accounts.

Customers seeking a higher monthly allowance would be able to request one by submitting evidence of their financial circumstances. Any revised limit, however, could not exceed 5% of the customer’s verified income.

The Ministry of Finance would be responsible for setting out the documentation and procedures customers would need to follow to demonstrate that they can afford a higher deposit threshold. The ministry would also have the authority to adjust the standard R$80 cap over time to preserve its value.

Winnings and funds returned to customers would be excluded from the monthly deposit calculation. As a result, the measure would restrict the amount of new money entering betting accounts rather than limiting the overall amount that customers could wager after combining deposits with any winnings.

Betting operators that accept deposits beyond the permitted threshold would be required to return the excess funds to customers immediately. The obligation to refund the money would not prevent operators from facing other penalties for violating the requirements.

Santana said further consumer protection measures were necessary to help address the risk of betting-related debt following the introduction of Brazil’s regulated online betting market.

Putting the proposal into practice would require the creation of a centralised system capable of tracking deposits made by the same customer across multiple licensed operators. Brazil’s Ministry of Finance and Central Bank would be tasked with developing the procedures and information-sharing arrangements needed to support the system.

The legislation would amend Law 14,790, which established the federal regulatory framework governing fixed-odds betting and online gaming in Brazil.

Santana filed the bill on July 16. It was subsequently referred to the Senate’s Transparency, Governance, Oversight and Consumer Protection Committee on August 12. As of August 19, the proposal was awaiting the appointment of a rapporteur.

The Senate’s Economic Affairs Committee would then review the measure under a final decision procedure. The bill would nevertheless need to complete the broader legislative process before it could become law.

If approved by lawmakers and signed into law, the proposed deposit-limit rules would come into force 90 days after their publication. 

By fLEXI tEAM