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Minors (under 18) in Australia are effectively denied access to any gambling, including through bank cards. Below are all the reasons and technical barriers.

1. Mandatory verification prior to deposit

ACIP (Applicable Customer Identification Procedures): from September 29, 2024, the operator is obliged to fully complete KYC before the first deposit or rate. Minor cannot pass the test - without it, payment channels remain closed.
Document Verification Service (DVS): when trying to replenish the account, the system automatically requires you to download a certificate with the date of birth and checks it with the state register; mismatch → failure.

2. Banning credit cards and BNPL services

Credit and Other Measures Act 2023 prohibits the use of credit cards and buy-now-pay-later (BNPL) to pay for interactive gambling services to any customer, including adults. Minor, even with his debit card, won't be able to get around that restriction through credit products.

3. Merchant Category Code (MCC) Lock

MCC 7995 (Gambling)
Banks and payment systems can automatically block transactions at the MCC level in the gambling category for cards issued to minors or linked to parent accounts with restrictions.

4. Parental controls and stop limits

Stop limits of banks
Parents can set a zero limit on the children's card under MCC 7995, as well as daily/monthly highs, which makes any attempt to transfer to a gaming account impossible.
Family Link и Screen Time
Through the parent tools of the OS (Android Family Link, iOS Screen Time), in-app purchases and restrictions on the "excitement" categories in the App Store/Google Play are blocked.

5. Restrictions on electronic wallets and prepaid cards

E-wallets (PayPal, POLi и др.)
Until the completion of KYC, the account remains "receive-only": the transfer of funds to the gambling platform is impossible without confirmation of age.
Prepaid-cards
Most prepaid card providers lock the MCC 7995 by default or require an additional KYC to unlock.

6. Technical Barriers Summary

1. No KYC → no deposit: the operator will not open the payment gateway.
2. MCC blocking: the bank will not miss the transaction.
3. Credit ban: A minor cannot use credit or BNPL.
4. Parental control: additional protection grid.

Conclusion

A minor will not be able to top up his account through a bank card - neither debit nor credit. A combination of legal prohibitions, strict KYC procedures, MCC locks and parental stop limits ensures that deposits under 18 are not possible.