Gambling block
If you want help with your gambling, our gambling block is an optional tool that you can apply to your account in the app. If you prefer to talk to someone first, you can start a chat with our customer support team who will tell you more about how it works, help you to switch it on, and point to other support and information.
The scale of the problem
Around 2 million people in Great Britain experience harm caused by gambling. Around 300,000 people are gambling to a degree which compromises, disrupts, or damages family, personal or recreational pursuits, and a further 1.8 million are identified as gambling at elevated levels of risk.
If you're concerned with your own gambling, or you're being affected by the experience of someone close to you, then we're here to help.
How it works
Every time you spend on your Monzo card, the transaction is tagged with information about what you're spending money on. This is how we build tools like spending categories for helping you budget. Every time you spend money with a gambling operator, the transaction is tagged with a gambling merchant category code (MCC). When you turn the gambling block on, we decline any gambling transactions before they go through.
Unfortunately, sometimes transactions aren’t tagged with the correct information and if this happens you’ll still be charged. If you let us know, we'll add the merchant to our gambling block so it doesn’t happen again.
Turning it on and off
You can turn on the block yourself in the app. We know that the decision to gamble can often be an impulsive one, so we’ll ask you to make some extra effort if you want to remove the restrictions.
Before you can unblock gambling, you’ll need to wait out the cooldown period you set when you turned gambling block on. We’ll also show your reminder message if you wrote one.
If you’ve spoken to us about any struggles with gambling before, you’ll need to talk to someone in our customer support team. We might use that conversation to ask you questions like, “Has your situation changed since you first switched on the restrictions?” to help you think through your reasons for turning it off.
We hope this added ‘friction’ gives you a little time and space to work out whether the decision to gamble again is the right one for you.
Time to cool down
Gambling block will stay on unless you decide to turn it off. If you change your mind, you’ll need to wait out your cooldown period before being able to unblock gambling.
You’ll choose a cooldown period when you turn on gambling block. This can be anything from 2 days to 1 year, giving you the time you need to make sure you’re making the right decision.
Once you set a cooldown period, you have to wait it out before any changes can be made to either your cooldown period settings or gambling block status.
After you wait out your cooldown period, you’ll be able to turn off gambling block from the app yourself. You can always turn gambling block on again.
Our support
We understand that gambling more than you'd like can have a wider impact on your health and financial wellbeing, so we have a specialist support team who can discuss your situation and talk you through everything we can offer to help you with your Monzo account, as well as point you in the direction of external organisations who can support you too. We can also discuss other measures we can help you put on your account to offer more protection, such as spending limit reductions. The gambling block works best alongside other methods of self exclusion, such as blocking software and self exclusion programmes like GAMSTOP.
Our campaign to improve gambling protections for everyone in the UK
In 2018 we researched, developed and launched a feature that allows our customers to block gambling transactions. It was the first of its kind, offering a friction based banking tool to help people with gambling addiction to self exclude. Now around 90% of banks offer this feature, and over 700,000 Monzo customers have used it. We’ve teamed up with charities, academics and NHS clinicians to ask the government to make sure everyone can access a gambling block, no matter who they bank with.