In-game purchases and loot boxes: how to set spending limits

Many games are free to download and then ask for money, a little at a time. That is not automatically a problem. It does mean a child with access to a saved card, or a phone that approves purchases with one tap, can spend real money without noticing. The good news is that every major platform has controls for this, and ten minutes of setup covers most of the risk.

The words you will see

In-game currency. Coins, gems or points bought with real money, then spent inside the game. Because the price is shown in gems rather than money, it is harder to feel what things cost.
Microtransactions. Small purchases, often cosmetic, such as a new outfit or a character skin.
Loot boxes. Paid items with a random result, like a card pack. You pay first and find out what you got afterwards. Rules about them differ between countries, and rating boards now flag them.
Season or battle passes. A fixed fee that unlocks a set of rewards over a few weeks or months, usually by playing regularly.
Subscriptions. Repeating charges that renew until cancelled.

How kids end up spending

Usually not through anything sneaky. A child sees a friend with a new skin, taps buy, and a stored card does the rest. Other common routes: a purchase approved on a parent's phone without looking, a free trial that turns into a paid plan, or a game that makes waiting feel annoying so paying feels like relief. Young children often cannot tell that gems are money at all.

It is easy to underestimate small amounts. Try the illustration below.

Try it: how small purchases add up

Purchases per week: 3 Cost of each, in your currency: 2 Monthly spending limit you set: 20

Illustration with made-up round numbers, not real prices. The amounts are in whatever currency you use.

Three small purchases a week feels like nothing. Over a year it is a real amount. A monthly limit turns an open-ended habit into a known budget, and once it is reached the game simply cannot take more.

The controls on each platform

Names and menu paths change between updates, so use the pointers below to know what to look for, then find the matching setting in your console's or app's menu.

Platform	What you can do
PlayStation	A family manager can set a monthly spending limit for a child account. The default limit for a child is zero, and purchases are paid from the family manager's wallet, not a card of the child's.
Xbox	Through Microsoft Family Safety you can add a set amount of money to a child's account and keep them to it. If a card is on the account, you can turn on approval for every purchase and get notified.
Nintendo Switch	Nintendo's parental controls let you restrict eShop purchases for a child through the parent's Nintendo Account, and a free phone app handles play time and other limits.
Steam / PC	Steam's family features include child accounts, where a child can send a basket of games to an adult to approve or decline. Check whether purchases made inside a particular game are covered, since some games use their own payment page.
Phones and tablets	On Apple devices, Ask to Buy sends app, in-app purchase and download requests to an adult. On Android, Google Play can ask for a password or biometric check on every purchase, and Family Link adds parent approval.

All of these are described on each company's official support pages, which are the best place to check current steps.

A limit is not a punishment. It is a budget you and your child can both see. If the limit keeps being hit early, that is useful information too: it tells you what the game is really asking for, and you can decide together whether it is worth it.

Three habits that work on any platform

No card on file. Remove saved payment methods from child accounts and from shared devices. Without one, an accidental tap goes nowhere.
Use gift cards or a set balance. A prepaid card or wallet top-up is a fixed budget. When it is gone, it is gone, and your child learns what it was worth.
Keep approval on. Even with a limit, a quick approval step gives you a moment to talk about what is being bought.

Talk about it, too

Settings do the heavy lifting, but a short chat helps more than most people expect. Ask what they want to buy and why. Explain that gems are money. Agree on a monthly amount together, and look at the receipts as a family now and then. If your child spends something by mistake, many stores have a refund process, so check the platform's support page before assuming it is lost. A calm approach keeps your child telling you about purchases, which is the real safety net.