Bank Gambling Controls

• Card transactions identified as gambling through merchant controls.

• Coverage depends on the transaction being identified as gambling. Other payment routes were not verified in the supplied guidance.

• Single transaction spending limit
• ATM and cash-withdrawal limit controls
• Temporary card freeze
• Spending tracking

• Debit-card transactions identified as gambling.

• Direct Debits are not covered.
• Bank transfers are not covered.
• Incorrectly categorised merchants may not be blocked.

• Monthly gambling spending limit
• Spending insights
• ATM-only card option through support
• Bills-only account
• Stop automatic credit-limit increases
• Representative access

• Debit-card transactions identified as gambling.

• Direct Debits are not covered.
• Bank transfers are not covered.
• Incorrectly categorised merchants may not be blocked.

• Monthly gambling spending limit
• Spending insights
• Bills-only account
• Stop automatic credit-limit increases
• Representative access
• Secure messaging and webchat support

• Debit-card transactions identified as gambling.

• Direct Debits are not covered.
• Bank transfers are not covered.
• Incorrectly categorised merchants may not be blocked.

• Monthly gambling limit
• ATM-only card
• Bills-only account
• Stop limit increases
• Representative access
• Conversation before new borrowing where bank support provides this

• Correctly identified gambling transactions through Chip & PIN, contactless, Apple Pay, Google Pay, online and in-app card payments.
• Correctly categorised gambling subscriptions, recurring card payments and online or app lottery purchases.

• Bank transfers and Open Banking payments.
• PayPal and other e-wallet routes.
• Cryptocurrency gambling and incorrectly categorised or unregulated merchants.
• Physical lottery purchases within ordinary retailers.
• Prize-draw and competition sites may not be covered.

Not verified

• Correctly identified gambling subscriptions and recurring card payments.
• Correctly identified gambling transactions through Chip & PIN, contactless, Apple Pay, Google Pay, online and in-app card payments.
• Online or app lottery purchases where categorised correctly.

• Bank transfers and Open Banking payments.
• PayPal and other e-wallet routes.
• Cryptocurrency gambling and incorrectly categorised or unregulated merchants.
• Physical lottery purchases within ordinary retailers.
• Prize-draw and competition sites may not be covered.

Not verified

• In-store and online card payments, including Chip & PIN and contactless.
• Apple Pay, Google Pay, Samsung Pay and recurring card subscriptions where identified as gambling.

• Open Banking transactions are excluded.
• An incorrectly categorised merchant may pass.

• Reduce daily cash-machine withdrawal limit
• Vulnerable-customer support

• Card transactions identified as gambling.

• Coverage outside correctly identified card transactions was not verified in the supplied guidance.

• ATM withdrawal-limit support
• Money Coach support

• Eligible Mastercard card transactions identified as gambling.

• The same self-service support must not be assumed for every Santander card or account.
• Coverage depends on merchant classification.

• Other card controls
• Balance alerts
• Spending insights and Money Manager functions where available

• Card transactions identified as gambling.

• Coverage depends on transaction classification; other payment routes were not verified in the supplied guidance.

Not verified

• Most correctly identified UK gambling-merchant debit-card transactions.
• Apple Pay, Google Pay and Samsung Pay.

• Gambling Direct Debits, Faster Payments and bank transfers.
• Non-UK or unclassified sites and cryptocurrency routes.
• Some mixed-retailer lottery purchases.

Not verified

• A general card freeze blocks general card use.

• No dedicated gambling-category block was verified in current published guidance.
• The general freeze is immediately reversible and affects general card use.

• Cash Account or Instant Access options without overdraft facilities may be relevant
• Third-party account support
• Trained support

Not verified

• The M Power youth account restriction must not be treated as a feature of ordinary adult current accounts.

• Gambling-support guidance and customer support routes

• Primarily card payments identified as gambling.

• Normal bank transfers are not automatically covered by the standard card block.
• Incorrectly coded merchants may bypass it.

• Lower card-spending, ATM and transfer limits through support
• Bank-transfer blocks or support in appropriate cases
• Specific merchant block
• Locked Pots

• Most card payments to businesses categorised as gambling operators.

• Payments using account number and sort code may still go through.
• Merchants not categorised as gambling may still pass.

• Customers can ask Starling about blocking a specific company

• Card transactions where the merchant is identifiable as gambling.

• Supermarket lottery purchases may not be blocked.
• Cash withdrawals from casino ATMs may not be blocked.
• The merchant must be identifiable as gambling.

Not verified

• Card payments identified as gambling through merchant categorisation.

• Bank transfers.
• Some third-party payment routes.
• Incorrectly categorised merchants.

Not verified

• Card transactions categorised as MCC 7995 betting and internet gambling.
• MCC 7800 government-owned lotteries.
• MCC 7801 government-licensed online casinos.
• MCC 7802 government-licensed horse and dog racing.

• Bank transfers are not covered.
• Incorrectly categorised merchants can pass.

• Kroo may consider requests to block an individual merchant

• Transactions identified as gambling are limited to £500 in a rolling 24-hour period.

• No full user-selectable gambling block was verified.

• Payments identified as cryptocurrency transactions are blocked