Blocking cashback due to gambling?

MJS55555

Hi all,

Could someone please help me asap.  I’m looking for a bank account which blocks cash back.

Long story short, I have a gambling problem and have managed to start using a Monzo account which blocks gambling transactions, limits cash withdrawals to £10 per day (could be less) and blocks bank transfers out.  This was working great for a number of months.  Unfortunately I’ve recently discovered an option for cash back.  Monzo say they are unable to block cash back transactions as they are executed by the retailer as a sale.

Does anyone know of a card which does not permit cash back, while also blocking gambling transactions and limiting cash withdrawals and transfers?

As you might expect, I don’t have s great credit rating so credit cards aren’t really an option.

many thanks,

Brie

I believe Barclays doesn't allow transactions to gambling sites.

I don't understand why cash back is an issue though.  I'm obviously missing something.

Coffeekup

Brie said:

I believe Barclays doesn't allow transactions to gambling sites.

Correct but you have to activate it by a call or through the app.
You can also adjust how much you can take out per day from a cash machine, however I'm not sure about cash back limitations.

General_Grant

MJS55555 said:

Hi all,

Could someone please help me asap.  I’m looking for a bank account which blocks cash back.

Long story short, I have a gambling problem and have managed to start using a Monzo account which blocks gambling transactions, limits cash withdrawals to £10 per day (could be less) and blocks bank transfers out.  This was working great for a number of months.  Unfortunately I’ve recently discovered an option for cash back.  Monzo say they are unable to block cash back transactions as they are executed by the retailer as a sale.

Does anyone know of a card which does not permit cash back, while also blocking gambling transactions and limiting cash withdrawals and transfers?

As you might expect, I don’t have s great credit rating so credit cards aren’t really an option.

many thanks,

Sorry - can you educate me, please?

What would the "cash back" payment be cash back on?  If you can't use the account to gamble how would there be any cash back due from a gambling site?

cx6

Starling (app only bank) may offer something similar, but again not sure why the cashback is a problem?

gt94sss2

I suspect that @MJS55555 is trying to find a debit card which doesn't offer the option of getting 'cashback' from a retailer/supermarket at a till to prevent them getting hold of cash and then using that for gambling.

MJS55555

Grt94sss2 is correct.  I want to block cash back to stop myself getting hold of cash to bet in a shop.

I have blocked all gambling transactions, added myself to Gamban, and limited daily cash withdrawals to £10 per day.  This helped me limit the “bad days” to losing £10 per day.  I also blocked transfers out so I could not transfer to another account and withdraw funds.

The new issue I have is with cash back as I’ve found you can go to a Co op or Tesco and get cash back up to £50 which is then lost in a betting shop.

I appreciate to any non gambler that this may all seem crazy and draconian but for an addicted gambler the feeling never goes away and it only takes one bad day!  Limiting all avenues to get hold of cash is one way of reducing risk without losing all independence.

MJS55555

Also, thank you to everyone for their comments and the time taken to respond.

AnnieB2018

Would you have someone to hold all your bank cards and just give you pocket money as needed? So all bills paid by direct debit and groceries ordered online…what other stuff you need to buy every day

MJS55555

Hi AnnieB2018.  That is basically what I do. Get paid and transfer money to my partner who then transfers it back when I need it.  It’s a huge strain on us both, asking for drip drip transfers, natural questions about where it’s being spent etc. and whatever is transferred my partner fears I’ll get cashback.  Unfortunately this can lead to arguments as to when I want money. How much and what for… plus it puts pressure on her, and offers me little/no independence whatsoever.

Daliah

If you aren't a member of Gamcare already, you should consider getting in touch with them. If you are, discuss your issues with them.