PTSB launches app feature to block gambling payments

Permanent TSB (PTSB) has unveiled a new feature within its mobile banking app that allows customers to voluntarily block gambling-related transactions on both debit and credit cards. This important development forms part of the bank’s wider strategy to enhance consumer financial protection and promote responsible financial behaviour, particularly for individuals who may be at risk of gambling-related harm.

The new in-app feature allows customers to instantly block card payments to merchants identified as gambling-related, including online casinos, betting platforms, poker websites, and national lottery portals. If a customer decides to lift the block, the app enforces a 48-hour delay before gambling transactions can be resumed. This built-in buffer is designed to act as an “impulse control” measure to help users reflect on their decision before re-enabling gambling transactions.

Data reveals trends in gambling behavior

An internal review of banking data by PTSB covering the period from January to June 2025 reveals that most gambling-related spending is taking place through online platforms. Key findings from the data include:

• 91% of gambling-related spending by customers occurred via online platforms.
• Men accounted for 80% of all gambling-related transactions, compared to 20% completed by women.
• The 40-49 age group showed the highest overall gambling spend across both genders.

In June 2025, 2% of customers who engaged in gambling spent more than €1,000—a level identified by the Economic and Social Research Institute (ESRI) as indicative of potential problem gambling.

These statistics underline the pressing need for safeguards such as PTSB’s new digital gambling block. The bank's internal research supports national findings by ESRI, which indicate that over 130,000 adults in Ireland are likely to be suffering from problem gambling, while an additional 279,000 adults display moderate symptoms that suggest a potential risk.

Encouraging financial literacy and responsible behaviour

PTSB’s new initiative is closely aligned with its broader 2025–2027 Sustainability Strategy, which emphasizes financial literacy, digital inclusion, and customer wellbeing. As part of this strategy, the bank has pledged to enhance financial education through various channels, including customer support teams and technological innovations that promote responsible money management.

In addition to the new in-app feature, PTSB has established a dedicated Enhanced Customer Support Team within its contact center. This team is trained to provide assistance to customers who may be facing financial distress, including challenges linked to gambling behavior.

Patrick Farrell, the bank’s Retail Banking Officer, commented on the launch of the new feature:

“At PTSB, the safety and welfare of our customers is of the utmost importance, and we’re committed to ensuring our customers have the knowledge and confidence to make informed financial decisions and plan for their future.

“Problem gambling is increasingly becoming a societal issue that warrants the closest attention, as it can have hugely damaging implications for individuals, their families and loved ones. We know from ESRI research that one in 30 adults in Ireland suffers from problem gambling, but worryingly a further 279,000 adults show moderate evidence of it. That’s why we have introduced this voluntary gambling block in-app so that it is accessible when our customers need it most.”

Gambling-related harm: A growing public concern

Problem gambling is increasingly recognized as a public health concern in Ireland and internationally. The growth of mobile betting apps and online gambling platforms has made it easier than ever for individuals to place bets or spend money without physical or emotional barriers. This ease of access has been linked to rising rates of gambling addiction, particularly among younger demographics and working-age adults.

The ESRI’s research, which informed PTSB’s strategy, points to several critical risks. These include increased likelihood of personal debt, relationship breakdowns, mental health struggles, and in some cases, criminal behavior linked to compulsive gambling. It is for these reasons that financial institutions, social services, and advocacy groups are being called upon to do more in the prevention and early intervention of gambling addiction.

Supporting a national movement towards safer gambling

PTSB’s efforts to curb gambling-related harm align with a broader movement across Ireland to establish more robust legal and regulatory frameworks around gambling. The upcoming establishment of a Gambling Regulatory Authority of Ireland is expected to introduce greater oversight and accountability across the sector.

Organizations such as GamblingCare.ie, which provides support services for individuals experiencing gambling harm, have welcomed PTSB’s initiative. Oisín McConville, a representative of GamblingCare.ie, commented:

“I am delighted that PTSB has introduced a Gambling Block feature to their app. Having this service available to customers digitally will make a huge difference as it is accessible to them on the go, which is particularly important given the prevalence and availability of online gambling.

“Initiatives like this from PTSB are crucial in supporting those who experience problem gambling and really complement the support services GamblingCare offers in managing gambling-related harm.”

How the gambling block works

The feature is built directly into the PTSB mobile banking app and can be activated in real time by the customer. Once the feature is switched on:

• Any transaction identified as gambling-related by the bank’s merchant classification system will be automatically blocked.
• If the customer wishes to lift the block, a 48-hour delay will be triggered to prevent impulsive or emotional decisions.
• Customers will receive notifications related to the block, reinforcing their choice and ensuring transparency.

The implementation of a time-delayed deactivation is consistent with best practices in behavioral science, which suggests that creating a pause between impulse and action helps reduce risky financial behaviors.

Empowering customers through digital tools

In addition to the gambling block feature, PTSB has expressed its ongoing dedication to creating further digital solutions designed to support better personal financial management. These tools may include real-time budgeting features, spending analytics, and alerts for unusual financial behavior.

By providing customers with data-driven insights into their own spending habits, PTSB aims to reduce financial stress and support long-term savings goals. Financial institutions are increasingly expected to go beyond traditional banking functions and act as partners in helping customers lead more stable, informed lives.

The importance of collaboration and education

Addressing problem gambling requires a multi-faceted approach that includes regulatory oversight, public education, mental health support, and financial tools like PTSB’s block feature. Collaboration among banks, government bodies, mental health professionals, and non-profit organizations is essential for achieving lasting impact.

PTSB’s strategy emphasizes education, particularly for younger users and at-risk groups. The bank is working on educational campaigns that will focus on warning signs of gambling addiction, financial literacy for teenagers and young adults, and pathways for seeking help when needed.

A step in the right direction

While the voluntary nature of the gambling block means its use is at the discretion of individual customers, the move represents a meaningful step toward reducing the social harm associated with problem gambling. It empowers users to take control of their financial choices while creating a barrier against the types of high-risk behaviors that can spiral into addiction.

In an age of instant access and rapid spending, giving customers tools that encourage thoughtful financial decisions is no longer a luxury—it is a necessity.

Conclusion

PTSB’s introduction of a voluntary gambling block represents a thoughtful and responsible approach to tackling one of the most pressing financial and public health concerns of our time—problem gambling. By empowering customers with a simple, accessible tool to manage and restrict their spending on gambling activities, the bank is taking meaningful action to safeguard individual wellbeing and promote healthier financial habits.

This initiative is not merely a technical feature within an app, but a reflection of a wider cultural shift within the financial services industry—where institutions are increasingly expected to take active roles in supporting customer welfare beyond traditional banking. With evidence of gambling-related harm on the rise in Ireland, PTSB’s strategy aligns with the growing public and regulatory expectations for ethical, consumer-focused banking practices.

The voluntary block, backed by data, behavioral insights, and expert support, provides customers with real control over their financial decisions. While it is not a solution in itself, it forms a vital part of a broader framework of support and education that, together, can help mitigate the impact of problem gambling in Irish society.

Ultimately, initiatives like this mark progress toward a more responsible, inclusive, and protective banking environment—where technology is used not only for convenience but also as a safeguard for mental, emotional, and financial health.

FAQs

What is the PTSB gambling block feature?
It is a digital tool in the PTSB app that allows customers to block gambling-related card transactions to promote responsible spending.

Can I remove the gambling block at any time?
Yes, but there is a mandatory 48-hour delay before gambling transactions resume to prevent impulsive behavior.

Which types of transactions are blocked?
The block covers online and in-store payments to betting websites, casinos, poker sites, and lottery platforms.

Is this block available on both debit and credit cards?
Yes, the feature applies to both PTSB debit and credit cards.

Is there a cost to use the gambling block?
No, it is a free feature available to all PTSB customers.

How can I activate the gambling block?
You can enable it through the PTSB mobile app under card settings.

Will I receive alerts when I try to make a blocked transaction?
Yes, transactions will be declined and notifications provided to inform you of the gambling block.

Is the gambling block permanent?
No, you can remove it, but a 48-hour delay will be enforced before you can use your card for gambling again.

Does the block cover all gambling sites?
It covers any merchant categorized under gambling, including most major betting and gaming sites.

What support is available if I’m struggling with gambling?
PTSB offers support through its Enhanced Customer Support Team and also recommends external organizations like GamblingCare.ie.