Finding out a scratch card has a prize often raises a few practical questions. What should you do next, where do you claim, and what counts as proof?
The steps can differ depending on where the card came from and how much it offers. As you’ll see, some claims are simple, while others involve extra steps. This blog post covers both online and in-store processes, what you might be asked to show, how much time is available, tax considerations, and what happens if the card can’t be found.
Read on to learn more.
What Are Scratch Card Winnings and How Do You Claim Them?
Scratch card winnings are the rewards linked to matching certain numbers or symbols according to each game’s rules. These can range from modest amounts to something more substantial, with the claiming process adapting accordingly.
How you claim depends on where the scratch card was obtained and the total amount involved. For physical cards, the back typically includes basic instructions—including what to do, where to go, and what you might need. For cards played online, the process is often quicker and tied directly to your account.
Some cards involve only a simple visit to a local shop. Others may direct you to send documents or complete forms. The details depend on a few key factors, which we’ll explore next.
Can You Claim Scratch Card Winnings Online?
If the scratch card was obtained through an online platform, the result is usually handled without any need to visit a shop. In most cases, if you win, the prize appears in your account automatically—no extra action needed. However, for more notable amounts, there may be a brief pause while your information is checked before funds are released.
When cards are bought in person, though, this approach doesn’t apply. Physical tickets must be claimed the way the issuer outlines, usually starting with the details printed on the back of the card.
As with any platform that deals with personal information and money, a few precautions make things smoother. Using secure login methods and sticking with recognised sites helps avoid unnecessary complications.
If a more traditional approach is preferred, or if the card came from a shop, the next section explains what to expect.
How To Claim Scratch Card Winnings In-Store
In-store claims begin by taking the card to a shop that sells the same brand or type. If the prize is within their authorised payout range, it can often be settled right at the till. If the total is higher than the retailer is allowed to pay, they may offer a form or point you towards a place that handles larger amounts, such as certain Post Office branches or a postal service.
The card itself provides the first clues—it outlines where to go and what steps to follow. If a card has been marked, torn, or worn in key areas, it might not be possible to complete the claim.
For amounts that require extra steps, you might be asked to confirm who you are. Let’s look at what that usually involves.
What Identification Do You Need To Claim Scratch Card Prizes?
Proof of identity is not always necessary, but some situations do call for it, especially when claims are submitted by post or if the amount is above a certain threshold. A passport or driving licence is typically accepted, along with a document showing your current address, such as a utility bill or bank statement.
In shops, small prizes usually don’t require ID, unless age verification is needed or the amount is higher than usual.
Online platforms tend to complete identity checks earlier, often during sign-up or before your first withdrawal. Once this is done, any future prizes can usually be credited more quickly, without needing to submit documents each time.
With the process now underway, timing becomes the next point to understand.
How Long Do You Have To Claim Scratch Card Winnings?
If you have scratch card winnings to claim, there’s a set window of time in which you can claim them. The exact deadline is decided by the issuer and is usually printed on the card itself or included in the game’s terms and conditions. For example, with UK National Lottery scratch cards, the typical time limit is 180 days from the date the game officially ends—not necessarily the day you bought the card.
Once you’ve got a sense of the timing, the next thing you might wonder about is what actually happens to the money.
Do You Pay Tax On Scratch Card Winnings in the UK?
In the UK, any prizes received from a scratch card—whether through a digital platform or a paper ticket—do not fall under standard income tax. This applies to the prize itself.
If the money is later used in ways that generate further financial returns, those may come under standard tax rules. For those receiving larger amounts, keeping simple notes can be helpful for future financial planning.
But before any of that, there’s one more practical issue that occasionally arises.
What Happens If You Lose a Winning Scratch Card?
If you choose to play using a physical scratch card, keeping hold of it becomes important—it’s usually the only way to prove the prize. If the card goes missing or ends up too damaged to read key parts like the barcode or the game panel, the issuer may not be able to confirm the result, which could make it difficult to claim anything.
If you’re using an online platform instead, things work a bit differently. Since the outcome is linked directly to your account, there's no paper ticket to worry about. As long as you can still access your account, a lost receipt or note won’t affect the result.
It’s worth keeping your scratch card secure until everything is sorted. That way, if you do have something to claim, you’re in the best position to complete the process smoothly.
*All values (Bet Levels, Maximum Wins, etc.) mentioned in relation to these games are subject to change at any time. Game features mentioned may not be available in some jurisdictions.
**The information provided in this blog is intended for educational purposes and should not be construed as betting advice or a guarantee of success. Always gamble responsibly.