Bank Gambling Blocks: How They Work and How They Can Help You Stay in Control

1st October 2026

Bank gambling blocks are free tools offered by most UK banks to help you limit or stop gambling spend. When switched on, they prevent card transactions that are recognised as gambling, whether online or in person. For many people, they provide an important layer of protection, especially when gambling feels harder to control or when you are working towards stopping completely.

Bank gambling blocks are designed to add friction at the right moment. Because decisions when gambling can often be quick and impulsive, having a block in place can give you the pause you may need.

How Bank Gambling Blocks Work and Why They’re Helpful

Bank gambling blocks work by stopping transactions that your bank identifies as gambling. When you turn the block on, your bank will decline payments made to merchants categorised under gambling Merchant Category Codes. This includes online casinos, betting websites, gaming apps and physical gambling venues.

Blocks are applied at card level, which means you need to activate them on each card you use. Most banks allow you to switch the block on through their mobile app, while others may require a phone call or a visit to a branch.

Many banks also include a cooling off period when removing your block. This is a delay between switching the block off and when gambling transactions are allowed again. This delay is intentional as it gives you time to pause and reflect on the removal of your block.

Bank gambling blocks are most effective when used alongside other tools such as self exclusion and blocking software.

Making sure your Bank Gambling Blocks are effective

Bank gambling blocks are designed to stop all transactions recognised as gambling, but there are situations where a payment may still go through. This can happen when a gambling company uses an incorrect Merchant Category Code, meaning the bank does not recognise the transaction as gambling.

If a gambling transaction goes through while your block is active, contact your bank. They may be able to block specific merchants or offer additional support to help you stay in control.

Finding out which banks offer gambling blocks

If you want to check whether your bank offers a gambling block, you can visit the Gambling Commission website. They provide an up to date list of banks that currently offer this service, along with links to each bank for you to find out more. To visit this page please click here

FAQ: Bank Gambling Blocks

Will a Gambling Block Affect My Credit Score? No. Turning on a gambling block does not affect your credit score and is not shared with credit reference agencies. However, lenders may consider regular gambling transactions on your statements when assessing affordability.

How Long Do Gambling Blocks Last? Bank gambling blocks stay in place indefinitely until you choose to remove them. If you switch the block off, a cooling off period may be applied before gambling transactions are allowed again.

Can I Remove a Gambling Block? Yes. You can usually remove a gambling block through your banking app, though some banks may require you to contact customer services.

Can I Set Up a Block on a Joint Account? No. Gambling blocks apply to individual cards, not the account as a whole. Each cardholder must turn on their own block even if the account is shared.

Can I Set Up a Block for a Friend or Family Member? You can only set up a gambling block for someone else if you hold power of attorney for them. Without this, banks will not allow you to activate or manage gambling blocks on another person’s card.

How long does the cooling off period last? Cooling off periods vary depending on the bank. Most banks use either 48 hours or 72 hours, though some offer longer options. The cooling off period is designed to give you time to pause and reconsider the decision to gamble before transactions are allowed again.

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