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Which methods are most often blocked by banks

Online casino players in Australia are often faced with a situation where a bank rejects a transaction when replenishing an account. This is due to the policies of financial institutions, legislative restrictions and anti-gambling mechanisms. Below is an analysis of the methods that banks most often block.

1. Credit cards (especially VISA and Mastercard)

Blocking reason:
  • Australia has tightened regulation of gambling since 2020 and many banks have implemented limits on deposits via credit cards.
Key factors:
  • protecting customers from excessive debt;
  • pressure from regulators (ACMA and banking associations);
  • responsible play policy.
  • Reality: Some banks skip transactions, but the rejection rate is high enough.

2. International bank transfers

Blocking reason:
  • Australian banks control transfers to offshore jurisdictions where many online casinos are registered.
Features:
  • mandatory AML checks (anti-money laundering);
  • suspicion in connection with "risky" directions;
  • long processing times, which often makes transactions "stuck."
  • Reality: Blocking is especially likely when transferring to Caribbean or Eastern European countries.

3. PayPal

Blocking reason:
  • PayPal is officially restricting the service for gambling-related transactions in Australia.
  • Bottom line: Even if a casino claims to support PayPal, in fact, transfers are often denied or not verified.

4. Some e-wallets (depending on bank)

Skrill and Neteller operate in Australia, but banks can reject wallet top-ups from the card if the purpose of the payment is related to gambling.

ecoPayz faces fewer restrictions, but can also be blocked when transferring directly from a bank account.

5. Cryptocurrency exchanges

Blocking reason:
  • Banks often monitor transfers to crypto exchanges, suspecting them of circumventing gambling rules.
Features:
  • operations with Bitcoin, Ethereum and other cryptocurrencies pass AML filters;
  • locks occur when attempting a direct deposit into a casino through an exchange.
  • Reality: it is more reliable to use P2P or third-party crypto wallets.

Why banks are blocking transactions

1. Legislative restrictions - many online casinos operate in offshore zones, which raises suspicion among banks.

2. Responsible play policy - credit deposits are regarded as a risk of debt burden.

3. Anti-money laundering (AML) - especially with large transfers.

4. Reputational risks - banks aim to minimise links to the gambling industry.

What are the alternatives

PayID and Osko are instant and legal transfers between Australian banks.

Prepaid cards (Paysafecard, Neosurf) - do not require bank approval.

Cryptocurrencies through external wallets - allow you to bypass bank control.

E-wallets - often work more stable than direct bank transfers.

Conclusion

Most often, credit cards, international bank transfers and PayPal are blocked, less often - replenishment of e-wallets. To minimize risks, players should use local methods (PayID, Osko) or prepaid solutions that banks practically do not control.

Do you want me to compile a comparative table of methods with a blocking probability (in percent) for ease of perception?

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