Gambling restrictions on your credit and debit cards, including Pay by Bank app
Restrictions on credit cards
From 14 April 2020, all UK Licensed Gambling Operators can no longer accept credit cards for gambling as per the Gambling Commission announcement on 14 Jan 2020. To support this, from 16 April 2020 all gambling transactions using credit cards, where we have reason to believe they are for gambling purposes, will be declined.
Restrictions on debit cards
To help and support our customers in managing what they spend on gambling we have introduced a new feature that allows you to voluntarily add or remove gambling restrictions on your debit cards (including Pay by Bank app). Adding a gambling restriction lets you block transactions made to gambling related merchants, for example casinos and online betting companies, and recurring transactions such as The Postcode Lottery. Restrictions are applied individually to cards held in your name and not on behalf of any other party.
- Online and in-store
- Chip and PIN including contactless
- Digital Wallet transactions such as Apple Pay, Google Pay or Samsung Pay
- Recurring card subscriptions such as The Postcode Lottery
- Pay by Bank app transactions to gambling merchants where the restrictions is applied the debit card of the relevant account
Cooling off period
After consulting the gambling charity GamCare, we’ve introduced a cooling off period whenever there’s a request to remove the restriction. This means you can choose to remove a gambling restriction at any time, but transactions will still be declined for 3 days after the restriction is switched off. This cooling off period allows thinking time to consider if the decision to gamble is right for you. If you change your mind during the cooling off period and want to continue with the restriction, the removal can be cancelled.
How to add or remove a restriction
If you wish to add or remove a gambling restriction on your debit cards, you can do so by logging on to the HSBC UK Mobile banking app, by contacting us using telephone banking or by visiting us in branch.
Download the app
- Log on the HSBC UK Mobile banking app using your Digital Secure Key
- Select ‘Account details’, then ‘Manage cards’
- Select ‘Gambling restrictions’
- From your list of eligible cards, tap the one that you want to add a gambling restriction to
- Review the on screen information
- Select ‘Turn on restriction’ to confirm you wish to proceed
- Repeat the steps above for any additional eligible cards
To remove a gambling restriction, follow the steps above and select ‘Turn off restriction’ to confirm for the relevant card.
If at any point you feel like you could benefit from further help or support on the topic of gambling, or addictions in general, please visit our Life Events page.
Gambling can have a big effect on your mental health. If you think your mental health is affecting the way you manage your money more generally, we have a range of services available to support you.
Frequently Asked Questions on debit card restrictions
How will I be notified if a transaction is declined due to a gambling restriction I have enabled?
I have a joint account, if I apply a gambling restriction will it also be applied for any joint parties on the same account?
The clocks have gone back and the gambling restriction has been turned back ON, why is that?
My cooling off period expired after only 1 day. Why is that?
Which products and services can I apply a gambling restriction to?
The gambling restriction is ON, what does this mean?
The gambling restriction is OFF, what does this mean?
How does the gambling restriction work?
If my card is lost, stolen, replaced or renewed, will the gambling restriction be removed?
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