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How to Set Spending Limits and Protect Your Account When Gambling in Games

Separate game purchases from real-money gambling, then use the account controls that fit: purchase blocks or caps for games, and operator limits for betting.
WorldGames Length4 min Posted Quest giverVGSources Team
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First identify what “gambling in games” means in your case: buying in-game items or random-reward loot boxes, or placing real-money bets with an online gambling operator. For game purchases, use the game, device, console, or app-store controls to block purchases, require approval, or set a cap. For real-money gambling, use the operator’s financial limits and check the rules where you live. These controls cover different accounts and are not interchangeable.

Identify which kind of account you need to protect

  • Game purchases: payments for add-ons, virtual currency, or random rewards inside a game. The relevant controls may be in the game, on the console or device, or in the app store.
  • Real-money gambling: deposits and bets made through a gambling operator. Look for that operator’s deposit, loss, or spend limits and check which products they cover.

Virtual currency and paid random rewards can resemble gambling, but they are not automatically the same thing legally as real-money gambling. Rules and menus also vary by country, platform, game, and account type.

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Set limits on game purchases

Use purchase controls before relying on a budget

Check the game’s purchase settings as well as the controls for the device, console, or app store used to pay. Depending on the platform, caregivers may be able to turn purchases off, require a password or approval, or set a dollar limit. The U.S. Federal Trade Commission outlines these options in its guide to kids and video games.

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Review which payment methods are saved and whether purchases can be made quickly without another approval step. Australian eSafety guidance recommends deciding in advance which purchases are allowed, how much can be spent, and how often. Its guide to managing money in games also discusses parental controls and pre-approved amounts.

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Agree on rules and fund a fixed allowance

For a child’s account, keep the password private and use purchase approval where available. Agree on allowed purchase types, an amount, and a frequency before play begins. A pre-approved balance or platform gift card can help cap the funds available for purchases; eSafety names Apple, Google Play, Xbox, and PlayStation gift cards as possible methods.

A gift card is not a purchase lock: another saved payment method or a top-up can defeat the cap. Keep the account’s approval or spending controls in place as well.

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Check the odds and terms for paid random rewards

Before buying a loot box or similar random reward, look for the game’s purchase disclosures and stated odds. Xbox Game Studios says its covered games disclose loot-box probabilities and purchases, and that items in those games can also be earned through gameplay. That policy applies to Xbox Game Studios titles; it should not be assumed to describe every publisher or game. See Xbox Game Studios’ loot-box policies.

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Loot boxes may be earned through play or purchased with money, including through virtual currency, according to UK government guidance. The guidance reports an association between loot boxes and problem gambling, while explicitly noting that causality has not been established. This does not mean every loot box is legally gambling.

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Set limits on a real-money gambling account

Choose the limit that matches what you want to control

Look in the operator’s account settings for deposit, loss, or spend limits. Compare what each limit actually does: whether it limits deposits or losses, which account or products it covers, when a reduction takes effect, and whether an increase is delayed. Do not assume a limit set for one product applies across every game or service on the account.

Know the UK requirement—and its limits

For gambling businesses licensed by the UK Gambling Commission, rules effective 31 October 2025 require the business to prompt customers to set a financial limit before their first deposit, allow customers to review and change limits, and remind them every six months to review account and transaction information. The Commission’s announcement describes the requirements. They are UK-specific; check the regulator and operator rules for your jurisdiction.

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Recognize when a limit is not enough

Spending more than intended, playing longer than planned, chasing losses, borrowing, falling into debt, or experiencing relationship distress can be warning signs. The Philippine Amusement and Gaming Corporation (PAGCOR) advises setting session time limits, not borrowing to gamble, and not chasing losses. Its responsible-gaming information also describes self-exclusion and support options for the Philippines.

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If you are chasing losses, borrowing, missing bills, or unable to stick to limits, stop playing and contact your local gambling regulator or a recognized gambling-support service. PAGCOR’s services and self-exclusion information are specific to the Philippines; use local resources elsewhere.

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Sources and geographic scope

The FTC guidance cited above is U.S. consumer advice; eSafety guidance is Australian; PAGCOR’s support information is Philippine; and the financial-limit rules described above apply to UK Gambling Commission-licensed businesses. For virtual currency, the European Commission CPC Network’s 2025 principles address consumer protection, including vulnerable consumers. Check current official account settings and local rules because interfaces and policies can change.

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