Friends & Family · Money
Protecting shared money
If someone else's gambling is affecting household money, start by working out what is yours, what is joint and what could leave you liable. Protecting yourself is not the same as trying to control another adult.
Last reviewed: 20 September 2026
Find out exactly what is in your name
Check current accounts, savings, credit cards, overdrafts, loans, mortgages and any other borrowing. Make a separate list of accounts held only in your name, only in theirs and jointly.
Do not assume that because you did not spend the money you cannot be affected by it. Joint borrowing and joint accounts can create risks for both account holders.
Protect money needed for essentials
If rent, mortgage payments, utilities, food or other essentials are at risk, consider whether your income needs to be paid into an account that only you can access.
You can also speak to your bank about gambling blocks, account controls and what options are available if you are worried about a joint account.
Be careful about borrowing to cover gambling losses
Taking out loans, increasing an overdraft or using your own credit to clear someone else's gambling debts can move the problem onto you without stopping the gambling.
Before paying a large debt or taking on new borrowing, consider getting independent debt advice so you understand the consequences for your own finances.
If money has been taken or borrowing opened in your name
Using your cards, accounts or identity without permission is not simply a disagreement about money. If you find transactions or borrowing you did not authorise, contact the relevant bank or lender and get specialist advice.
If there are threats, coercion or someone is controlling your access to money, see our safety, fraud and economic abuse guidance.
Safety, fraud and economic abuseYou do not need their permission to protect yourself
You can check your own finances, change passwords, speak to your bank and get independent advice even if the person gambling refuses to discuss the problem.