Casino sites that accept BPAY in Australia in 2026: how the rail works, where the legal line sits, and what an offshore deposit really buys

A reader landing on this page is usually after one of two things: a list of Australian-facing casino sites that take BPAY, or a sanity check on whether using BPAY at an offshore site is even a sensible thing to do. The honest answer to the second question is short enough to lead with, and the rest of the page earns the rest of the picture. No Australian online casino licence covers casino games or online pokies — the Interactive Gambling Act 2001 prohibits them, full stop — which is why every brand that advertises “BPAY deposits” to an Australian punter is, by definition, an offshore operator. The ACMA has spent the last several years issuing formal warnings to those operators, asking ISPs to block them, and naming them in public. This page walks through the rail itself, the law it runs into, the responsible-gambling supports that do and do not apply, the way deposits and withdrawals actually move, and the eleven specific brands the ACMA has called out in the past few years. The angle is cost — what the rail and the offer actually take out of a player’s pocket, and where that cost stops being visible.

Data current as of 20 October 2026, cross-checked against the ACMA’s formal-warning register and the regulator’s published blocking-round notices.

What BPAY actually is — the rail behind the logo

BPAY looks like a payment method. In practice it is a bill-payment service stitched into the online banking of Australian banks: the payer enters a Biller Code and a Customer Reference Number (CRN) printed on the bill, and the money moves from the payer’s account to the biller on the bank’s own rails. BPAY itself describes the flow that way — Biller Code and CRN, paid through internet banking — and the service has been doing exactly that since 18 November 1997. The rail sits inside the everyday banking app of more than 140 Australian banks and credit unions, and is offered as a payment destination by over 95,000 businesses.

The ownership is the part most readers do not expect. BPAY Group was authorised by the ACCC in September 2021 to merge with eftpos and NPP Australia into a single holding company, Australian Payments Plus (AP+), which also runs PayID and Osko. Under that holding, BPAY’s parent is Cardlink Services Limited, owned equally by ANZ, Commonwealth Bank, National Australia Bank and Westpac — the four major banks. None of that is a casino story; it is the plumbing under almost every Australian household bill, from council rates to electricity to phone plans.

The reason it shows up on a casino page at all is the combination of two facts. First, BPAY deposits to a casino use exactly the same bill-payment mechanics as a council rates payment — Biller Code, CRN, an instruction to the bank. Second, every Australian bank that offers BPAY also imposes its own BPAY limit, set by the institution and the biller, not by BPAY itself. ANZ’s published daily BPAY limit, for example, is A$5,000; St.George publishes a cumulative daily ceiling of A$100,000 with a per-biller cap of A$15,000 for certain merchants. Those ceilings sit on the bank side of the rail, which is also where the gambling controls sit, and that is where the practical story picks up.

Where the legal line sits — and why no Australian licence covers online casino

The Interactive Gambling Act 2001, as strengthened by the Interactive Gambling Amendment Act 2017, prohibits the supply of online casino games, online pokies and in-play betting to a person physically in Australia. No state or territory issues a licence that covers those products. What Australia does licence — and what the Northern Territory Racing and Wagering Commission (NTRWC) regulates for 52 of the country’s online bookmakers, including Sportsbet, Bet365 and Ladbrokes — is pre-event wagering on racing and sport, lotteries and keno. The Northern Territory licence is a tax-residency choice for the operator, not a content licence for casino games. The commission itself runs without full-time staff and meets once a month in Darwin.

That single distinction — wagering versus casino games — is what every offshore site sidesteps. The site’s footer can show a Curaçao or Anjouan licence number; what it cannot show is an Australian interactive gambling licence for the games on offer, because none exists. The Interactive Gambling Amendment (Gambling Reform) Bill 2026 passed Parliament on 19 August 2026 and tightens advertising and inducement rules, but its operative date is 1 January 2027. On a 2026 page that is law passed but not yet in force.

The ACMA enforces. The authority investigates complaints, issues formal warnings to operators it judges to be supplying prohibited services, and asks Australian ISPs to block sites that ignore those warnings. In a single blocking round reported on 26 June 2026, the ACMA asked ISPs to block twelve further sites — 7Signs, ChromaBet, Donbet, Duospin, Freshbet, Slots Gem, Jacks Club, Lucky Start, Pointsbetz.com, Spinrise, Vinyl Casino and Wildsino — bringing the cumulative total of blocked illegal gambling and affiliate marketing sites to 1,751 since the first blocking request in November 2019. More than 230 unlicensed services have left the Australian market since enforcement was strengthened in 2017.

That scale matters because it explains the picture the rest of the page describes. The individual Australian player is not prosecuted under the IGA — the Act targets the provider, not the customer. What the player loses by playing offshore is the entire Australian consumer-protection layer: no local complaints body, no local dispute resolution, no recourse if a withdrawal is refused, and a real possibility that the site is blocked while a balance is still sitting on it. H2 Gambling Capital’s 2025 estimate puts Australian losses to illegal gambling sites at roughly A$3.9 billion a year, with the share of gambling going through legal channels falling from 74% in 2021 to 64%. The leak is large, and it is mostly through offshore sites that have no Australian licence to lose.

Responsible gambling — what does and does not apply when the site is offshore

The Australian responsible-gambling framework is built for licensed operators. Two of its pillars simply do not reach an offshore casino.

BetStop, the National Self-Exclusion Register, has been live since August 2023 and lets a person exclude themselves from every Australian-licensed online and phone wagering service in one registration. The register binds licensed operators. An offshore casino is not connected to it, which means a person who has self-excluded through BetStop can still reach an offshore site, deposit through BPAY, and play. The exclusion is real for the licensed market and silent for the unlicensed one.

The card-level gambling blocks are the second pillar, and these do affect BPAY-adjacent deposits even at offshore sites. Commonwealth Bank’s gambling lock, applied through the CommBank app, automatically blocks most gambling transactions on eligible cards — though the bank itself flags that it cannot guarantee every gambling-related purchase is stopped. Westpac’s gambling block refuses authorisation of transactions registered under the merchant category code “Betting/Casino Gambling” on eligible personal credit and debit cards. ANZ’s block, once activated in the ANZ app, blocks gambling transactions through a digital wallet such as Apple Pay on an eligible card as well as on the physical card itself, and removing the block again requires a 48-hour cooling-off period — with the same caveat that not all gambling transactions will be blocked and some non-gambling transactions may be blocked in error. Those three controls are the practical answer to “my bank is rejecting this deposit”: the bank is doing exactly what the regulator has been asking it to do.

The national support line — 1800 858 858, free and 24/7, with chat through Gambling Help Online — applies whoever the operator is. It is the single piece of the framework that does reach an offshore punter.

What that adds up to: the responsible-gambling regime an Australian player is used to has been built around licensed wagering and the banks that sit behind it. Offshore casino sites accept that regime only as far as they have to — usually through the card-level blocks their customer’s bank applies — and ignore the rest. A player who wants the full Australian safety net is, by construction, playing on the wrong kind of site.

Payments and payout speed — how a BPAY deposit actually moves

The mechanics of a BPAY deposit at an offshore casino follow the bill-payment model the rail was built for. The casino (or its payment processor) issues a Biller Code and a CRN; the punter logs into their own bank, enters those numbers, picks an amount up to the bank’s BPAY limit, and authorises the payment. The bank transfers the funds to the biller on its own rails — the same way it would for a power bill — and the casino credits the account once it sees the payment land. That is also where the timing comes from.

A BPAY payment typically settles on the next business day, because that is how the bill-payment system is designed: payments entered before each bank’s BPAY cut-off are processed in that evening’s batch and credited to the biller the following business day. There is no instant-credit equivalent of Osko on the BPAY rail itself. Compare that with Osko by AP+: a transfer between participating Australian banks, addressed to either a BSB and account number or a PayID, arrives in under a minute, 24/7 including weekends. That is the speed of an Osko or PayID transfer; it is not the speed of a BPAY bill payment.

That timing is part of what an offshore site is selling when it advertises “instant BPAY”. The deposit itself is queued for the bank’s next BPAY batch; the casino credits the account as soon as the payment clears. From the punter’s perspective the credit can feel near-instant once they have done it a few times, but the underlying settlement is overnight, not real-time, and a deposit entered after the bank’s BPAY cut-off will not clear until the second business day. The same timing applies in reverse for withdrawals: a casino paying out via BPAY issues its own Biller Code, and the punter waits for the next BPAY batch to receive the funds.

The deposit ceiling sits on the bank side of the rail, not on the casino side. A punter with an ANZ account is looking at the bank’s A$5,000 daily BPAY limit; a St.George customer faces a cumulative A$100,000 daily ceiling, with bank-specific limits on certain merchants. Those ceilings are also the practical answer to “what is the maximum I can move into this account”: whatever the bank says it is, not whatever the casino’s cashier screen says.

The wider Australian payments picture — useful because most of the same banks sit behind every wallet on offer — is worth a paragraph. By the end of 2025, Apple Pay, Google Pay and Samsung Pay transactions collectively accounted for around 45% of all card payments in Australia by number. Apple itself does not charge consumer fees for Apple Pay in stores, online or in apps; any surcharge comes from the merchant’s card-processing costs, not from Apple. Apple also states that transaction limits and PIN requirements for Apple Pay purchases are set by the card issuer or the merchant, not by Apple. Where Apple Pay reaches an Australian bank’s gambling block, the block applies: ANZ’s gambling block, for example, covers Apple Pay on an eligible card, not just the physical card. Under the Interactive Gambling Act as amended in 2023, Australian-licensed online wagering services cannot accept payment by credit card or other credit-related products, a restriction that also constrains gambling use of linked digital wallets.

PayID is the other rail that sits next to BPAY in an Australian bank’s app. Paying to a PayID shows the name of the account holder before the transfer is sent, and AP+ warns that being asked to transfer money to a PayID on an illegal gambling site almost certainly means a scam site. PayID-based instant transfers are available at more than 100 Australian financial institutions, and more than 25 million PayID identifiers had been registered on Australia’s New Payments Platform as of April 2025. The New Payments Platform itself became accessible to the public on 13 February 2018, is owned by New Payments Platform Australia Ltd, and must by its own rules keep monthly platform outages to no more than two minutes. For a punter, PayID is the faster rail; for a casino, BPAY is the biller rail. The bank’s own gambling controls apply to both.

The credit-card ban that came into force on 11 June 2024 for Australian-licensed wagering — credit cards, credit-related products and digital currency are now banned as payment for licensed online wagering, with penalties up to A$247,500 for operators — does not, on its face, stop an Australian from using BPAY to fund an offshore site. What it does do is close the credit-card route through licensed Australian wagering and make the BPAY-and-debit route the main path. Legal deposit routes for licensed Australian wagering are debit card, bank transfer, PayID/Osko and BPAY; an offshore site that asks for a credit card or a crypto deposit is operating outside the Australian rules.

Top BPAY-advertising offshore brands the ACMA has acted against

The brands below are listed because the ACMA itself issued a formal warning over each one for offering prohibited interactive gambling services to Australians. Online casino games and online pokies cannot be licensed in Australia, whatever licence the site displays. This is not a ranking and not a recommendation; each entry carries the operator and date the ACMA published, and nothing more.

The four brands whose BPAY handling is described in third-party references rather than as the operator’s own claim — Level Up, National Casino, Instant Casino and Casino Intense — are the only ones in this set for which any BPAY-rail listing data exists in the consulted set, and that listing comes from Westpac, AUSTRAC, Wikipedia, EcoPayz, PayID, ITNews and NAB references rather than from the brands themselves. The other seven brands have no BPAY data in the consulted set, and they are not named as BPAY-accepting here on the operator’s behalf.

RocketPlay

Two formal warnings cover the brand, which is unusual in the set. The earlier came from the ACMA against Dama N.V. in May 2022, alongside Bambet, Dazard, Level Up, Wild Tornado and Cobra Casinos. The later came in March 2026 against Pulsup Ltd specifically over Rocketplay.com.au. The site still operates offshore, displays a Curaçao-style licence, and accepts deposits from Australian-facing payment pages including BPAY-adjacent bill-payment flows. None of that changes the underlying fact, which is that the games on offer cannot be licensed for Australian players under the Interactive Gambling Act. For a reader who has decided to use offshore rails anyway, the RocketPlay block record is the relevant context: the brand has now been warned twice, by two different operators, in four years.

Level Up Casino

The May 2022 ACMA warning to Dama N.V. covered Level Up alongside Bambet, Dazard, Rocketplay, Wild Tornado and Cobra Casinos. Westpac and other bank references list BPAY among the deposit routes that appear on the casino’s cashier; the consulted set carries no first-party confirmation of that from the operator. The same caveat applies as everywhere else in this set: no Australian licence covers the games, and any BPAY deposit still travels through the player’s own bank’s BPAY limit and gambling controls. If the bank’s block rejects the payment — and Westpac’s gambling block refuses authorisation of “Betting/Casino Gambling” category-code transactions on eligible cards — the deposit simply does not land.

Woo Casino

The ACMA issued a further formal warning to Dama N.V. over Woo Casino in March 2025, alongside a parallel warning the same regulator issued over Spirit Casino the following May. Dama N.V. is the operator; Woo is the brand. The consulted set carries no BPAY-specific listing data for Woo; verify any deposit route through the casino’s cashier. The operative fact is the licence position: Woo Casino cannot lawfully offer its games to a person in Australia.

Spirit Casino

The May 2025 warning to Dama N.V. over Spirit Casino sits four months after the Woo Casino warning and reflects the same pattern — an offshore operator told by the ACMA that its offering to Australians is prohibited. No listing data for Spirit appears in the consulted set. The deposit ceiling, if a punter does deposit, will be set by their own bank’s BPAY limit, not by the casino: A$5,000 a day at ANZ, or St.George’s cumulative A$100,000 daily ceiling with its per-biller restrictions for certain merchants.

National Casino

The July 2025 ACMA warning named Consolutetish S.R.L. over National Casino alongside Bizzo Casino. AUSTRAC and Wikipedia entries in the consulted set list BPAY among the brand’s published deposit options — that is the only source for the BPAY claim, and it is a third-party listing rather than the operator’s own confirmation. National Casino is not licensed to provide its games to Australians; the BPAY route, where it appears, is a bill-payment instruction to the player’s own bank, which enforces its own gambling transaction limits.

Bizzo Casino

Bizzo has been warned twice. The earlier warning went to TechSolutions (CY) Group Limited and TechSolutions Group N.V. in 2022; the July 2025 warning went to Consolutetish S.R.L., the operator that runs National Casino as well. The brand has changed operator hands in between, and the ACMA’s current public record names the current operator. No listing data appears in the consulted set for Bizzo. The relevant fact is unchanged: no Australian licence covers the games, and the operator has now been warned under two different company names.

Ignition Casino

The ACMA’s July 2025 warning to Bamboo Media covered Ignition Casino. Ignition has historically been a poker-and-casino brand aimed at offshore markets including Australia; the formal warning places it inside the ACMA’s published list of brands offering prohibited services to Australians.

Instant Casino

The February 2025 warning to EOD Code SRL over Instant Casino is the freshest of the early-2025 actions. EcoPayz and PayID index pages in the consulted set list BPAY among Instant Casino’s published deposit methods; that is the source for the rail entry in the table, and again it is a third-party listing rather than the operator’s own confirmation. Instant Casino is not licensed to provide its games to Australians, and its reliance on the BPAY rail is subject to the bank’s own gambling blocks.

Jackbit

The April 2026 ACMA warning to Ryker B.V. covered Jackbit and CasinOK together. Jackbit has been a crypto-and-traditional-payments brand offshore; the consulted set carries no BPAY-specific listing data for either of the two brands named in the warning. The relevant fact is the warning itself: a fresh formal action against an operator actively offering to Australians.

Casino Intense

The April 2025 ACMA warning to Sterplay Holding Ltd over Casino Intense is one of three 2025 actions in the set. AUSTRAC, ITNews and NAB references in the consulted set mention BPAY among Casino Intense’s listed deposit routes — that is the source for the rail entry in the table, and it is third-party reference material rather than the operator’s own confirmation. Casino Intense is not licensed to allow play from Australians, and any BPAY deposit is always subject to the bank’s own transaction blocks and limit policies.

Sky Crown

The ACMA’s formal warning to Hollycorn N.V. over its Sky Crown and Blue Leo casino services is the older action in this set, published in September 2022. The consulted set carries no BPAY-specific listing data for either Hollycorn brand. Hollycorn N.V. has been one of the more frequently warned offshore operators in the ACMA’s published register; the Sky Crown warning sits alongside that pattern. The legal position of the brand is the same as everywhere else in this set: no Australian licence covers the games on offer.

What a BPAY deposit at an offshore site actually costs — the arithmetic

The arithmetic on this page is the blocking rate: how fast the ACMA has been removing the supply that an Australian player can actually reach. The cumulative total of blocked illegal gambling and affiliate marketing sites stood at 1,751 as of the 26 June 2026 blocking round, measured from the first blocking request in November 2019. That is roughly 80 months of blocking activity from November 2019 to June 2026, an average band of 20 to 25 sites blocked per month across that whole period, with the recent 12-month pace materially higher than the early years as enforcement capacity ramped up. The single round in June 2026 alone added twelve sites. The condition is the one the regulator itself publishes: a site is added to the block list only after the ACMA has investigated, typically issued a formal warning first, and concluded that the operator has continued to offer prohibited services to Australians.

The point is not the precise number — the ACMA publishes a cumulative total, not a monthly series — but the shape. The supply of “BPAY-accepting” offshore brands aimed at Australians is not a stable list that an Australian player can plan around. It is a moving target that the regulator is shrinking, site by site, in batches of roughly ten to twelve per round. A punter who finds a brand on a comparison page in January may find it blocked by April.

What that means for the reader — and where the cost is hidden

The cost of an offshore BPAY deposit is not the BPAY fee, because BPAY does not charge consumers a per-transaction fee for using the rail. The cost is the layer underneath the deposit.

The first layer is the bank’s gambling controls. ANZ’s block, once on, applies to Apple Pay on the eligible card as well as to the card itself, and removing the block again requires a 48-hour cooling-off period. Commonwealth Bank’s lock and Westpac’s gambling block work at card level. A punter who has any of those blocks on will find their BPAY-deposit attempt simply not landing; the casino cashier will show the deposit as “pending” or “failed” depending on which side the rejection came from. The bank is the first filter.

The second layer is the bank’s BPAY limit. ANZ caps BPAY at A$5,000 a day, while St.George allows a cumulative A$100,000 daily ceiling with bank-imposed limits for certain merchants. Those ceilings are the practical maximum deposit, regardless of what the casino’s cashier screen advertises.

The third layer is the regulator’s blocking pace. The ACMA’s June 2026 blocking round added twelve sites in one batch. A brand a punter has just deposited with may be on the next batch. A balance sitting on an offshore site at the moment it is blocked is not protected by any Australian consumer-protection regime.

The fourth layer is the consumer-protection gap. An offshore site that refuses a withdrawal gives the player no Australian complaints body, no local dispute resolution, and no recourse. The IGA targets the provider, not the customer, which means the customer has no statutory backstop either. The card-level blocks can prevent a deposit, but they cannot recover a balance.

The fifth layer is the responsible-gambling framework that does not reach offshore sites. BetStop binds Australian-licensed wagering services; an offshore casino is not connected to it. A self-excluded player can still reach an offshore site, deposit through BPAY, and play.

The arithmetic on this page is the blocking rate, and the reader’s read of that number is the page’s main job. Around 1,751 sites blocked from November 2019 to June 2026 is the cumulative total; roughly 20 to 25 sites blocked per month is the band; a single round can add twelve; and the regulator’s pace has been accelerating, not slowing. The brand list at the top of this page is not a stable shortlist — it is a snapshot of operators the ACMA has called out in the past four years, several of them more than once.

The Australian framework that does reach the player

Two pieces of the Australian framework apply whatever site the punter is on. The National Gambling Helpline, 1800 858 858, is free and 24/7, with chat through Gambling Help Online. A punter who has hit any of the costs above can use it.

The card-level gambling blocks at the major Australian banks — ANZ, Commonwealth Bank, Westpac — apply at the payment-method level, which means they block deposits to offshore casinos as well as to Australian-licensed wagering. Activating them in the relevant banking app is the single most effective step an Australian punter can take to stop BPAY deposits from landing at an offshore site, because the block sits in front of every rail, including BPAY, Osko and PayID.

Everything else in the responsible-gambling framework — BetStop, the state-based self-exclusion registers in Victoria and Western Australia, the complaints bodies — is built around Australian-licensed wagering and does not reach offshore casinos.

The tax footnote, for completeness

Gambling winnings of a recreational Australian player are not assessable income, under section 6-5 of the Income Tax Assessment Act 1997, and losses are not deductible. The exception is a person who carries on a business of gambling, which is a much narrower category and a question to put to the ATO rather than work out on a casino page. The practical read is that the A$3.9 billion a year Australians are estimated to lose to illegal offshore sites does not, in the typical case, become taxable income when some of it comes back.

What the next twelve months look like

The Interactive Gambling Amendment (Gambling Reform) Bill 2026 passed Parliament on 19 August 2026. Its advertising and inducement measures commence on 1 January 2027 — law with a start date, not yet in force on a 2026 page. The practical effect, once those measures are in force, will be to tighten the rules around how offshore operators can advertise to Australians and how inducements can be offered, on top of the existing prohibition on supply. The blocking program the ACMA has run since November 2019 is expected to continue; the cumulative total will keep rising.

For an Australian player who is comparing BPAY-accepting offshore sites, the practical read of the next twelve months is that the supply will keep shrinking, the banks’ gambling controls will keep catching more of the deposit attempts, and the legal framework will keep moving in the direction of less room for offshore operators to advertise into the Australian market. The list of BPAY-accepting offshore brands is a moving target, not a stable shortlist.

Frequently asked questions

Is it legal for an offshore casino site to accept BPAY from an Australian visitor?

No. Under the Interactive Gambling Act 2001, as strengthened by the Interactive Gambling Amendment Act 2017, it is an offence to provide online casino games, online pokies or in-play betting to a person in Australia. No Australian licence covers those products, regardless of what the site’s footer says. The ACMA enforces by issuing formal warnings and asking ISPs to block non-compliant sites. The IGA targets the provider, not the individual customer, which is why a player is not personally prosecuted — but the player also has no Australian consumer-protection backstop.

How quickly does a BPAY transaction typically settle?

A BPAY payment entered before the bank’s BPAY cut-off on a business day settles on the next business day, because that is how the bill-payment system is designed. There is no instant-credit equivalent on the BPAY rail itself. By comparison, an Osko transfer between participating Australian banks arrives in under a minute, 24/7 including weekends. A BPAY deposit entered after the bank’s BPAY cut-off will not clear until the second business day.

Does using BPAY offer any buyer protection if an offshore site refuses to pay out?

No. BPAY is a bill-payment rail, not a card network with a chargeback mechanism. Once a BPAY payment has settled to the biller, the funds have moved on the bank’s own rails in the same way they would for a council rates payment. An offshore casino that refuses a withdrawal gives the customer no Australian complaints body, no local dispute resolution and no statutory recourse under the IGA, which targets the provider rather than offering the customer a refund channel.

Can BPAY be used to fund a licensed, land-based venue in Australia the same way it’s used online?

BPAY is a bill-payment rail; it does not, in itself, distinguish between online and bricks-and-mortar billers. What it cannot do is fund the games that are prohibited under the Interactive Gambling Act 2001, which is the category online casino games and online pokies fall into. What Australia does licence, and what the Northern Territory Racing and Wagering Commission regulates for 52 online bookmakers including Sportsbet, Bet365 and Ladbrokes, is pre-event wagering on racing and sport, lotteries and keno — and BPAY is one of the legal deposit routes for that licensed wagering.

What deposit limits are commonly attached to BPAY at offshore casino sites?

The deposit ceiling is set by the player’s own bank, not by the casino. ANZ publishes a daily BPAY limit of A$5,000; St.George publishes a cumulative daily ceiling of A$100,000 with a A$15,000 per-biller cap on certain merchants. On top of the BPAY limit, the major Australian banks apply card-level gambling blocks — Commonwealth Bank, Westpac and ANZ each offer a gambling block that can be activated through the relevant app and that intercepts gambling-category transactions before they settle, with ANZ’s block extending to Apple Pay on the eligible card and requiring a 48-hour cooling-off period to remove. The combined limit is the lowest of the three: the casino’s cashier maximum, the bank’s BPAY ceiling, and what the bank’s gambling controls let through.

Why might a bank block a BPAY transaction flagged as gambling-related?

Because the major banks run gambling-category transaction blocks at card level, and because the merchant category code that the casino or its payment processor uses can be enough to trigger them. Westpac’s block refuses authorisation of “Betting/Casino Gambling” category-code transactions on eligible personal credit and debit cards. ANZ’s block, once activated, covers Apple Pay on the eligible card as well as the card itself, and removing the block again requires a 48-hour cooling-off period. Commonwealth Bank’s gambling lock, set through the CommBank app, blocks most gambling transactions on eligible cards, with the bank flagging that it cannot guarantee every gambling-related purchase is stopped. The bank is doing exactly what the regulator has been asking it to do, and the punter sees the deposit fail at the cashier.