Can Betting Sites Affect My Credit Score?

by Alan Swanley on Thursday 11th October, 2018


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Online betting is big business with millions of customers placing bets on their favourite sports such as football and horse racing every single day. While there’s no greater thrill than a big win, could your betting activities actually harm your credit score and financial situation?

Here’s all you need to know before opening up a betting site account and depositing money.


Betting alone does not have a negative influence on your credit score. Credit agencies cannot see your betting activities and will not know which events or markets you’ve bet on. Even if they could, there is no prejudice against this.

Furthermore, credit agencies appreciate that a little flutter is a natural part of life for millions of people in the UK. Responsible gamblers wouldn’t be punished for placing cash bets in the brick and mortar betting shops and online betting simply makes the process easier.

Signing up to a new online betting site, making a deposit, and making bets when done correctly won't affect your credit score at all. The key, however, is to focus on the deposit methods.


While gambling is safe for many, some gamblers are considered problem gamblers. They are most commonly characterised by the feeling that they need to place bets in the heat of the moment. Funding your betting account through methods that rely on credit such as credit cards is never a smart move. 

It’s also imperative to show credit agencies that gambling is a luxury, and not a priority. If depositing funds into your betting account causes you to default on loans, bills, and other repayments, you could be set for ongoing problems. Worse still, once you’re in that cycle, it’s very hard to escape. 


The harsh reality is that online betting can harm your credit score, even if you don’t consider yourself to be a problem gambler. In most cases, though, responsible management of your gambling particularly with regards to payments should serve you well.

5 tips to prevent potential damage are, 

1. Avoid using credit cards and other credit sources to fund your betting accounts and try to use the same payment method for all betting accounts.

2. Only make deposits when you have enough money in the bank to cover your bills and financial obligations. If possible, steer clear from dipping into your overdraft too.

3. Keep some money in your betting account and use that to place future bets. More frequent deposits can be viewed as a warning sign, even when they are counteracted by regular withdrawals.

4. Put money into eWallets such as PayPal or Skrill account and fund the accounts from these services. Severing the direct link from your bank to the betting site can work in your favour.

5. Be aware of your betting activities, especially with regards to the banking aspects, and use your a credit check service every few months to identify and rectify any issues.

Doing these things should go a long way to keeping your credit score unaffected by gambling. However, it’s important to remember that this isn’t the only aspect to consider. If you believe that your betting has got out of hand, self-exclusion through services such as https://www.gamstop.co.uk are the perfect way to remove that temptation.

71 Sports Betting Sites 15th Jul 2024

Betway betting site

Betway

£10 Free Bet For New Accounts

18+ T&C's Apply
£10
10bet betting site

10bet

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£50
Betfred betting site

Betfred

£50 T&Cs Apply | #AD

18+ T&C's Apply
£50
Bwin betting site

Bwin

18+ T&C's Apply
BoyleSports betting site

BoyleSports

18+ T&C's Apply
Bet365 betting site

Bet365

18+ T&C's Apply
32Red Sport betting site

32Red Sport

18+ T&C's Apply
Unibet betting site

Unibet

18+ T&C's Apply
Coral betting site

Coral

18+ T&C's Apply
Grosvenor Sport betting site

Grosvenor Sport

18+ T&C's Apply
Ladbrokes betting site

Ladbrokes

18+ T&C's Apply
Star Sports betting site

Star Sports

18+ T&C's Apply
Lottoland Sports betting site

Lottoland Sports

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NetBet betting site

NetBet

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Bet UK betting site

Bet UK

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£30
BetMGM betting site

BetMGM

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BetVictor

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DAZN Bet

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Bzeebet betting site

Bzeebet

£10 Free Bet For New Accounts

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£10
Sportingbet betting site

Sportingbet

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Ken Howells

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Betzone betting site

Betzone

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QuinnBet betting site

QuinnBet

£35 Free Bet For New Accounts

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£35
BetGoodwin betting site

BetGoodwin

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£25
Gamebookers betting site

Gamebookers

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AK Bets betting site

AK Bets

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£100
Kwiff betting site

Kwiff

£20 Free Bet For New Accounts

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£20
Midnite betting site

Midnite

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Fafabet

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£50
William Hill betting site

William Hill

£30 T&Cs Apply | #AD

18+ T&C's Apply
£30
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CopyBet

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The Pools betting site

The Pools

£10 Free Bet For New Accounts

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£10
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NRG.Bet

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Spreadex

£40 Free Bet For New Accounts

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£40
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Geoff Banks

£500 Cash Back Bonus For New Accounts

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partysports betting site

partysports

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Sporting Index betting site

Sporting Index

£10 Free Bet For New Accounts

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£10
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mr.play Sport

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£15
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NagsBet

£10 Free Bet For New Accounts

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£10
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talkSPORT BET

£40 T&Cs Apply | #AD

18+ T&C's Apply
£40
Hollywoodbets betting site

Hollywoodbets

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ZetBet betting site

ZetBet

£10 Free Bet For New Accounts

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£10
Planet Sport Bet betting site

Planet Sport Bet

Free Bet For New Accounts

18+ T&C's Apply
Vickers Bet betting site

Vickers Bet

18+ T&C's Apply
BresBet betting site

BresBet

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Rhino Bet betting site

Rhino Bet

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VBet

£20 Welcome Bonus For New Accounts

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£20
Tote betting site

Tote

£50 Free Bet For New Accounts

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£50
LeoVegas betting site

LeoVegas

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Virgin Bet betting site

Virgin Bet

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Message Bet betting site

Message Bet

£100 Free Bet For New Accounts

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£100
LiveScore Bet betting site

LiveScore Bet

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PariMatch betting site

PariMatch

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Skillbet betting site

Skillbet

18+ T&C's Apply
Karamba  betting site

Karamba

£10 Free Bet For New Accounts

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£10
GreatBet betting site

GreatBet

18+ T&C's Apply
Casumo betting site

Casumo

Free Bet For New Accounts

18+ T&C's Apply
FanTeam betting site

FanTeam

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Interbet betting site

Interbet

£10 Free Bet For New Accounts

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£10
Hopa betting site

Hopa

£10 Free Bet For New Accounts

18+ T&C's Apply
£10
Betiton betting site

Betiton

£10 Free Bet For New Accounts

18+ T&C's Apply
£10
BetAnsells betting site

BetAnsells

18+ T&C's Apply
Space Sports betting site

Space Sports

18+ T&C's Apply
Betdaq betting site

Betdaq

18+ T&C's Apply
888sport betting site

888sport

18+ T&C's Apply
BetRegal betting site

BetRegal

£20 Free Bet For New Accounts

18+ T&C's Apply
£20
Paddy Power betting site

Paddy Power

18+ T&C's Apply
Betfair betting site

Betfair

£100 Free Bet For New Accounts

18+ T&C's Apply
£100
Smarkets betting site

Smarkets

£10 Risk Free Bet For New Accounts

18+ T&C's Apply
£10