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Ages 10-13 · Money safety

Loot boxes and game spending

Last reviewed · Next review due

How loot boxes and "free" games really work with money — and how to make smart, safe choices.

Age
10-13
Read
About 6 minutes
Topic
Game spending & safety
Before you spend
Ask a trusted adult

What this guide covers

A loot box is a surprise — you can't be sure what you'll get. "Free" games still cost real money through coins and gems. The trick that keeps you tapping is called a variable reward. The smart move is always the same: know the real price in pounds, and ask a trusted adult before you spend.

A loot box is a surprise

A loot box, pack or "mystery" reward gives you something random. You don't choose what you get — the game does. You might get something good, or something you already have, or nothing you wanted.

Here is the important bit: the chance is the same every time. If a rare item has a 1-in-100 chance, opening 50 boxes in a row does not make it "due" on the next one. Each box is its own separate try. Believing you're "owed a win" is exactly the feeling the design wants you to have.

Try this: 19 plain counters and 1 gold one in a bag. Pull one, put it back, repeat. Notice the gold one doesn't come "on schedule" — that's how loot boxes work too.

"Free" games and the hidden real money

Lots of games are free to download but make money when players buy extra things. They usually sell in-game currency — coins, gems, V-bucks-style money — in bundles. Because you spend the currency, not pounds, it's hard to feel how much real money is going.

Looks like
"200 gems"
Really is
Real £
Bundle trick
Leftover gems

Bundles are often sized so you must buy more than you need, leaving you with spare currency — which nudges you to spend again to "use it up". Always work out the real pound price before deciding.

Why "just one more go" feels exciting

Games use a trick called a variable reward: you don't know when the good thing will come, so your brain keeps you interested by the hope of it. Some games also show a "so close!" near-miss — it makes you feel you almost won, even though you weren't close at all and the next try has the same chance.

None of this means you did anything wrong if you've felt it — it's designed to feel like that. Knowing the trick is how you take the power back.

Your smart-player checklist

If something doesn't feel right

If you're worried about money you've spent in a game, or you can't stop thinking about the next box, that's worth talking about — and it's never something to feel ashamed of.

Talk to someone. A parent, carer or teacher you trust can help. You can also contact Childline for free on 0800 1111 — it's private and they help with money worries too.

This guide supports PSHE (keeping safe online and managing pressure), Computing (using technology safely), and Maths (the language of chance — likely, unlikely, certain). Teachers can use the matching lesson plan: KS3 — loot boxes, randomised rewards & gambling harm.

Where this comes from. Guidance is based on UK public information from GOV.UK and MoneyHelper, with support from Childline. See our editorial & sourcing policy.
For teachers — use this page as a 10-minute lesson

Learning focus. By the end, pupils can: Why loot-box rewards are random and cannot be predicted, how in-game currency hides real money, why variable rewards feel exciting, and how to make safe choices with a trusted adult.

Plenary (2 min). Each pupil writes one sentence: the most useful thing on this page and one real situation they would use it in. Share three.

Quick check. Mini-whiteboards: pupils state the page’s key rule in their own words. Scan for anyone holding the opposite idea and address it.

Take it further: printable worksheet · age lesson pack · full lesson plans

Not financial advice. This guide explains how things work, for learning. If you're under 18, ask a parent or carer before doing anything with real money. UK rules can change — always check gov.uk for the latest.

Where this fits — UK curriculum

Aligned to all four UK nations for Ages 10–13. Full citable mapping & CC BY 4.0 reference: UK curriculum map.

England
National Curriculum (England) — Key Stage 2–3. Mathematics; Citizenship (money, budgeting, managing risk).
Scotland
Curriculum for Excellence (Scotland) — Second / Third Level. Numeracy & Mathematics — Number, money and measure. (MNU 2-09a/b, MNU 3-09a/b)
Wales
Curriculum for Wales — Progression Step 2–3. Mathematics and Numeracy; Health and Well-being.
Northern Ireland
Northern Ireland Curriculum — Key Stage 2–3. Mathematics and Numeracy; Learning for Life and Work.