Define the Project: Objectives and Legal Framework
Before starting the organization, it is essential to clearly define the objectives of the loto:
- Raise funds for an association project (equipment purchase, trip financing, supporting a cause, etc.).
- Energize the community and strengthen member engagement.
- Offer a friendly moment to participants.
Since law n° 2024-344 of April 15, 2024, the framework has been relaxed. To organize a traditional loto without prior authorization, you must meet these 4 conditions:
- Social or cultural purpose: The event must serve to finance association activities (sports, educational, etc.).
- Low stake: The maximum stake per player must be less than €20.
- Restricted circle: Advertising must remain local (municipality and surroundings).
- Prizes in kind: No cash (non-refundable gift vouchers are allowed). Note: the €150 prize value cap has been removed.
What about online lotos?
According to the French Ministry of the Interior (Official Journal, 20 January 2026), running a traditional loto online “is not compliant with the law”, even when only some of the players take part remotely. Digital tools (draw tracking, online booking) remain a complement to a loto played in a hall, within a restricted circle. Read the rules for lotos
Prepare the Event: Key Steps
📅 Choose the Date and Venue
- Select a suitable venue (community hall, gymnasium, etc.).
- Check the equipment (tables, chairs, sound system, screen).
- Book the venue with the town hall.
🎁 Define the Prizes
Prizes are essential to attract people. They should be varied: High-tech, appliances, trips, gift baskets...
Tip: Ask local merchants for donations in exchange for advertising.
🎟 Set Card Prices
Offer tiered pricing to encourage purchases, for example:
- 1 card: €3
- 4 cards: €10
- Family package: €20 for 10 cards
💳 Optimize Your Sales: Accept Card Payments!
More and more people don't carry cash. By accepting card payments, you make it easier to buy cards and increase your sales by 20 to 30% on average.
SumUp offers simple payment terminals, without monthly subscription, perfect for associations:
- No commitment: No fixed fees, you only pay a commission per transaction (1.69%).
- Easy to use: Portable terminal that connects to your smartphone.
- Fast: Receive your funds within 2-3 business days.
- Accepts all payment methods: Bank card, contactless, Apple Pay, Google Pay.
Promote the Event
Good communication is the key to success:
- Local Distribution: Posters, flyers, local press.
- Online: Website, social media (Facebook, Instagram), and the LotoAsso loto calendar.
- Word of Mouth: Mobilize your members!
Administrative and Insurance
🛡 Insurance
Your civil liability may be engaged. Check that your “Multi-risk Association” policy covers occasional events. Remember to declare the event to your insurer to cover volunteers and participants (food poisoning, falls, etc.).
🎵 Music Rights and Refreshments
- Music: If you play music, a prior SACEM declaration is mandatory (often a flat rate for lotos and small events). Not required if you only play royalty-free or public-domain works.
- Refreshments: A temporary beverage license declaration must be made at the town hall at least 15 days before (limited to 5 per year per association).
The Big Day and After
Manage Logistics
- Plan for a dynamic host.
- Check the drawing equipment (cage or software).
- Manage a refreshment stand for additional revenue.
For the draw and the players, two LotoAsso tools make the difference on the day:
Review
After the event, debrief with volunteers and communicate about the funds raised and their use.
Frequently asked questions about organizing a loto
Do I need a permit to organize an association loto in France?
No. A traditional loto needs no prior authorization as long as it stays within article L.322-4 of the Internal Security Code: restricted circle, social, cultural, sporting, educational or humanitarian cause, stakes under €20 and never cash prizes (see the question on online lotos). A few steps still apply: • tell your insurer, to cover the event, volunteers and participants; • declare any music played to SACEM; • for a bar, apply to the town hall for a temporary drinks licence at least 15 days ahead (5 per year per association); • book the hall, often through the town hall. The guide “How to organize an association loto” covers each step.
How far in advance should you plan a loto?
As early as possible: halls are often booked several months ahead, especially in autumn and winter, the loto season. Then allow a few weeks to gather prizes and sponsors, and start promoting the loto (posters, social media, loto calendar) at least three weeks before. Two deadlines not to miss: the bar request at the town hall, at least 15 days before, and telling your insurer about the loto.
What insurance do you need for an association loto?
As the organizer, your civil liability is at stake. Check that your association's multi-risk policy covers occasional events, and tell your insurer about the loto so that volunteers and participants are covered (a fall, food poisoning at the bar…). When the town hall lends the hall, it often asks for an insurance certificate.
Do you need to declare a loto to SACEM?
Only if you play music, for example before the draw or during the interval: you must then declare it to SACEM beforehand, often at a flat rate for small events. Without music, or with royalty-free works, there is nothing to declare. Calling the numbers is not concerned.
How do you open a bar at a loto?
Ask the town hall for a temporary drinks licence at least 15 days before the loto; an association can get 5 a year. It allows soft drinks and fermented drinks such as beer, wine or cider, but no spirits. The bar often brings in a large share of the evening's takings.
How many volunteers do you need for a loto?
Plan at least one person per post: welcoming players and selling cards, calling the draw, checking winning cards and handing out prizes, and the bar, plus extra hands to set up and clear the hall. Plan relief so everyone gets a break during the evening. With LotoAsso Scan, several volunteers check tickets at the entrance, each on their own phone.
How much does an association loto raise?
It depends on the number of players, the price of cards and what the prizes and the hall cost. LotoAsso's profitability simulator, free and with no sign-up, works out the net profit and how many players you need to cover your costs. Don't forget the bar takings, and ask local shops for prizes: every donated prize adds to the profit. After the loto, the Finances module (Loto Pass or Pro plan) sums up income and expenses, down to the report for the general meeting.
What prizes can be given away at an association loto?
Prizes must be in kind: never cash, although non-refundable vouchers are allowed. Household appliances, tech, gift hampers, vouchers from local shops, short breaks, show tickets… They can be bought by the association or donated by local sponsors in exchange for visibility. In LotoAsso, you enter prizes one by one or import them from Excel. During the loto, LotoAsso Live shows the prizes in play and your sponsors on screen. For ideas, see the Prize ideas page.
How much should loto cards cost?
For a traditional loto, the law requires stakes under €20. Many associations offer sliding prices that encourage buying several cards, for example €3 per card and €10 for 4. To set your prices, start from your costs (prizes, hall, printing, insurance, SACEM) and the number of players you expect. LotoAsso's profitability simulator, free and with no sign-up, calculates your profit and the minimum number of players needed to cover your costs. Don't forget bar takings, which are often significant.
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