- Free support
- National Gambling Helpline: 0808 8020 133, free and open 24/7
- Bank blocks
- Many banks let you block gambling payments
- Self-exclusion
- GamStop covers licensed online gambling in Great Britain
- First step
- Tell someone and get help with both gambling and debt
On this page
Get support first
Gambling problems and debt feed each other, so it helps to deal with both together. The National Gambling Helpline on 0808 8020 133 is free and confidential and open 24 hours a day. GamCare also offers online chat and counselling.
If you are struggling to cope or having thoughts of ending your life, you can call Samaritans free on 116 123 at any time.
Protect your money
- Ask your bank about gambling blocks on your accounts and cards, which many banks offer.
- Register with GamStop to self-exclude from licensed online gambling sites in Great Britain.
- Remove saved cards and payment details from betting apps and sites.
- Think about handing control of your income or bills to someone you trust for a while.
- Do not borrow to chase losses, and avoid payday and other high-cost loans.
Talk to a free adviser first
An adviser can look at your whole budget, deal with creditors for you and explain which option suits you. Get free debt advice.
Deal with the debts
Loans, credit cards and overdrafts used for gambling are still debts you owe to the lender. Gather your statements, list everything you owe and be honest with an adviser about how the debt came about so they can give the right advice.
Tell your lenders if gambling is affecting you. They should treat customers in financial difficulty fairly and take extra care with vulnerable customers, though what they will do varies.
Your options
- A debt management plan for steady income.
- An IVA for larger debts.
- A debt relief order or bankruptcy where income and assets are low or debts cannot be repaid.
- Breathing Space, including a longer version for people in mental health crisis treatment, is available through a debt adviser.
Gambling does not stop you using these options, although conduct before an insolvency can be looked at, so be open with your adviser.
If someone close to you is gambling
You are not responsible for another person’s gambling debts unless you took out the debt jointly or guaranteed it. Protect your own accounts, check which debts are in joint names and get advice. GamCare also supports family and friends.
Frequently asked questions
Can I get my gambling losses back?
Generally no. In some cases you can complain to an operator that failed to protect you after clear signs of harm, but this is complex, so get advice before you start.
Will my bank block gambling?
Many banks offer gambling blocks you can switch on yourself, and some can set them for a fixed period. Ask your bank what it offers.
Can I get an IVA or bankruptcy if gambling caused my debt?
Yes. Gambling does not rule out these options, but your adviser or insolvency practitioner will want a full and honest account.
Do gambling companies report to credit files?
Not usually for gambling itself. The loans, cards and overdrafts you used to fund it do appear on your credit file.
Is gambling on credit cards allowed?
Licensed gambling operators in Great Britain cannot accept credit cards. Cash advances and other borrowing can still be used, which is why bank blocks matter.
This guide gives general information and is not personal advice. Rules and limits change, so check with a free adviser before acting. Last reviewed 11 November 2026.