Why You Might Want to Self-Exclude  And How It Can Be a Game-Changer for Your Finances

Lifestyle + Spending
Written By SOTM Team

We all have that one thing we’re a little too tempted by. Whether it’s the thrill of a last-minute sports bet, the convenience of Uber Eats on a lazy Sunday, or the “treat now, pay later” buzz of a BNPL app  it’s easy to get caught up. And suddenly, your bank account is looking a little... fragile.

But here’s the thing: you don’t have to rely on willpower alone. Self-exclusion exists for a reason, and it can be one of the most empowering moves you make for your financial (and mental) health.

Let’s break down what it means, why it might be worth considering, and how to do it.

💡 What Is Self-Exclusion?

Self-exclusion is a way to voluntarily block yourself from accessing certain apps, websites, or services that might be messing with your financial goals. It’s like putting up a big “not today” sign  for Future You.

  • Gambling sites like Sportsbet or TAB

  • Food delivery apps like Uber Eats or DoorDash

  • Lottery platforms

  • Buy now, pay later (BNPL) schemes like Afterpay or Zip

You can exclude yourself temporarily or permanently, depending on what you need.

🧠 Why You Might Want to Self-Exclude

Still not sure if it’s the right move? Here’s when it can be a powerful tool:

  • You’re Overspending: If BNPL payments are stacking up or those “just one more” Uber Eats orders are adding up, self-excluding can help break the cycle.

  • You’re Struggling to Stick to Your Budget: Sometimes, knowing the temptation is right there makes it harder to stay on track. Removing the option? Game-changer.

  • It’s Impacting Your Mental Health: Financial stress is real, and if spending is leaving you anxious or overwhelmed, self-exclusion can give you back a sense of control.

  • You’re Chasing Losses: Gambling apps are designed to keep you hooked. If you’ve caught yourself thinking, “Just one more bet and I’ll win it back,” that’s your cue to step away.

  • You’re Using Spending as a Coping Mechanism: Emotional spending is common, but those instant dopamine hits can cause long-term damage. Self-exclusion can help break the cycle.

🚪 How to Self-Exclude (Without the Drama)

Ready to take back control? Here’s how to do it:

1. For Gambling Apps:

  • Many gambling platforms offer self-exclusion tools. You can usually find this in the app under “Responsible Gambling” or “Account Settings.”

  • You can block access for a set period or permanently.

  • Consider registering with BetStop (Australia’s national self-exclusion register) to block access across all licensed betting companies.

2. For Food Delivery Apps:

  • Go into your app’s account settings and delete your account.

  • You can also temporarily disable or remove your payment information to add friction.

3. For Lotteries:

  • Most state lottery operators allow self-exclusion. You can apply online or contact customer support to request a block on your account.

4. For BNPL Services:

  • Request to close your account or set up a spending limit.

  • You can also remove saved cards or delete the app entirely.

  • Many banks now offer spending blocks on BNPL services check if yours does.

🔎 But What If You Change Your Mind?

That’s okay too! Self-exclusion is about giving yourself space to make intentional choices. If you genuinely feel like your relationship with these services has improved and you’re ready to re-engage, most platforms allow you to lift the exclusion after the agreed time period.

But there’s no rush. The longer you give yourself, the more space you have to build stronger financial habits.


💬 The Bottom Line?

Self-exclusion isn’t about punishing yourself. It’s about putting up healthy boundaries that align with your financial goals. If certain apps or services are holding you back, blocking them could be one of the most empowering money moves you make.

You deserve financial freedom and peace of mind  not the stress of “just one more” purchase, bet, or order. And taking control? That’s a money queen move.

Need support? If gambling is becoming a problem, confidential help is available through services like Gambling Help Online or Lifeline. You’re never alone in navigating these challenges.


***Please remember our blogs aren’t intended as financial advice - they’re intended only as a starting point to give you a little extra info! For more in-depth advice catered to your personal financial position, please see a certified financial advisor.

SOTM Team
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