New Gambling Safeguard Rolled Out Across Irish Banks

Ireland's banking sector has launched a groundbreaking initiative allowing customers to voluntarily block gambling transactions on their cards, marking a significant step forward in the country's fight against problem gambling.

The Common Commitment of Care for Problem Gambling, developed by the Gambling Regulatory Authority of Ireland (GRAI) and the Irish Banking Culture Board (IBCB), brings together Ireland's three major banks—AIB, Bank of Ireland, and PTSB—in a unified effort to protect vulnerable customers.

Banks Respond to Alarming Online Gambling Data

The new safeguard comes as research reveals that 90% of gambling in Ireland happens online, with 99% of those transactions processed through debit cards. This overwhelming reliance on card payments has positioned banks as crucial gatekeepers in preventing gambling harm.

Under the voluntary scheme, customers can request their bank to block their cards from processing payments to gambling sites and apps. The initiative goes beyond simple transaction blocking, with banks committing to enhanced staff training, dedicated helplines, and direct referrals to specialized services like Gambling Care and the Money Advice and Budgeting Service (MABS).

IBCB CEO Marion Kelly emphasized the banking sector's responsibility: "Problem gambling can cause serious harm to individuals, families and communities. IBCB member banks recognize their responsibility to respond with compassion and practical support when customers reach out for help."

Standardized Support Across Major Banks

The framework ensures consistent care across all participating institutions. Each bank will maintain trained staff members specifically equipped to handle gambling-related concerns, providing customers with clear points of contact and standardized referral processes to external support services.

This coordinated approach addresses previous inconsistencies in how different banks handled customers struggling with gambling issues. The IBCB, which serves as an independent voice for cultural reform in Irish banking, stressed that the program delivers "consistent and compassionate support" to those in need.

The initiative represents a proactive stance by the banking industry, coming after more than 200 stakeholders recently called on GRAI to implement stronger measures against gambling harm.

Government Backs Industry-Led Solution

Minister of State at the Department of Finance Robert Troy praised the banking sector's initiative, calling it an "important step" in addressing gambling addiction. He highlighted how the program aligns with broader government efforts through the Gambling Regulation Act and the establishment of GRAI.

"The Government has committed to tackling problem gambling through the Gambling Regulation Act and the establishment of the Gambling Regulatory Authority of Ireland, and sectoral cooperation remains key to achieving our aims," Troy stated.

How the Card Block System Works

Customers can contact their bank directly to request the gambling transaction block on their debit cards. The voluntary nature of the system ensures customers maintain control over their financial decisions while providing a practical tool for those seeking to limit their gambling activity.

Banks have also pledged to improve their internal processes, ensuring staff receive appropriate training to handle sensitive gambling-related discussions with empathy and professionalism. This training component addresses the human element of problem gambling, recognizing that customers need understanding and support rather than judgment.

The IBCB, composed of banking executives, legal experts, and union representatives, continues its mission to rebuild public trust in Irish banking through ethical practices and customer-focused initiatives.

A formal launch event scheduled for Friday in Dublin will present detailed program information to the public and stakeholders, marking the official rollout of this nationwide safeguard.

The card-blocking option represents a practical addition to Ireland's expanding toolkit for addressing problem gambling, offering customers an accessible way to create financial barriers when they need them most. As online gambling continues to dominate the Irish market, this banking industry initiative provides a crucial layer of protection for vulnerable players seeking to regain control over their gambling habits.