Separation of limits: casinos and other online purchases
1. Why banks share limits
In Australia, credit and debit cards often have different transaction limits depending on the spending category. Gambling is a high-risk transaction, so banks separate them into a separate category. This allows:
- control spending on gambling;
- limit the risk of cost overruns;
- comply with regulatory requirements related to responsible gambling.
2. Limits for casino deposits
Many banks and payment system operators apply the following restrictions:
- Daily or weekly limits on casino deposits;
- Tighter limits compared to regular online purchases (for example, $500 per week versus $2,000 for e-commerce);
- The ability to completely prohibit transactions in the gambling * category.
These restrictions are built into the processing system and can be either rigidly fixed or individual, depending on the client.
3. Limits on regular online purchases
For online stores, subscriptions or services, limits are usually higher. Here the bank seeks to ensure the convenience of the client, since the risk to the budget is lower. Restrictions depend on:
- card type (classic, premium, corporate);
- credit limit;
- the risk level assigned to the Merchant Category Code.
4. Customizable
Some banks allow the client to independently separate the limits:
- set separate restrictions for online games and purchases;
- Block transactions in the gambling * category
- Use time limits (for example, only for weekends)
Control tools are increasingly available in bank mobile applications that give players the ability to flexibly manage costs.
5. Risks and practical advice
Players should consider:
- even with an overall high limit on online purchases, casino deposits can be blocked;
- when using foreign casinos, restrictions may depend not only on the bank, but also on the payment provider;
- for greater transparency, it is better to clarify the bank's policy in advance and set up personal limits in the application.
Conclusion: the division of limits between casinos and other online purchases is a mechanism for protecting customers and a tool for responsible gambling. Players are advised to control spending, use available bank settings and keep a separate gambling card if necessary to avoid crossing budgets.
