Bank account to only use in shops

alwo1210

I am looking for a bank account where i could only use it shops, but not able to use it online at all

eskbanker

Not sure there'd be anything as configurable as that but scratching the CVV code off the back of the debit card might do the job as a crude workaround, given that this would effectively prevent most online use (assuming you don't get to see it first)?

Are you able and willing to share more about what you're ultimately trying to achieve?

Rob5342

Why do you want to limit it, for security reasons or something else? Starling, Halifax and Natwest let you set a block for remote use in the app, I'd imagine that Lloyds do too as they are essentially just Halifax with a green label. Remote use is easy to turn on in the app again, I don't think there are any that would limit it permanently.

alwo1210

Basically i would like an account for someone who spends too much money online and would like to be limited to just transfer some money in and spend it just in shops

MikeJXE

Get an ATM card, draw cash from the machine, pay cash to the shop. 

Emmia

Barclays allows online transactions (and other categories like petrol, gambling etc) to be disabled on a card by card basis in the app.

Alderbank

Debit card for cardholder present only seems to be what you are looking for.

They certainly exist but not all banks issue them, probably because so few customers ask for them.

Just ask the banks you are considering whether they will provide debit card for cardholder present only.

eskbanker

alwo1210 said:

Basically i would like an account for someone who spends too much money online and would like to be limited to just transfer some money in and spend it just in shops

On what basis are you responsible for controlling this person's spending, e.g. do you have power of attorney, deputyship, etc, or would they have the right to get the bank to reset any restrictions placed on the account?

Emmia

MikeJXE said:

Get an ATM card, draw cash from the machine, pay cash to the shop. 

Lots of places are cash free these days, so that won't work as well as it did pre pandemic.

alwo1210

I dont want to control any one, i am trying to help so they can have spending money but not gambling

eskbanker

alwo1210 said:

I dont want to control any one, i am trying to help so they can have spending money but not gambling

While it sounds like there are more possibilities mentioned above than I was aware of, there are certainly ways of preventing access to gambling sites specifically, as this isn't an uncommon scenario.