Many apps cost nothing at first glance. Only when you take a closer look do you often realize that you have to pay in order to use them properly and have fun. Children and young people in particular can easily fall into cost traps, especially with games apps. We explain what parents should look out for, what risks there are and how in-app purchases can be controlled with a view to protecting and involving children.
Costs can arise not only when downloading an app. Many apps initially appear to be free, but certain functions, levels, virtual items or special benefits can only be unlocked against payment, such as accessories for avatars. Often a virtual currency is also offered, which must first be purchased via credit card, PayPal or prepaid cards in order to progress in the game or unlock extras. If you are not careful, you will only see how expensive the game has really become on your next mobile phone contract or credit card bill.
Providers often advertise a so-called premium version within the free app. This offers additional functions or game content and can be understood as a paid full version. For children, the free app looks like a test – and the inhibition threshold for spending money is low.
Children and young people react sensitively to rewards and progress in games. Apps such as Roblox, Minecraft, Fortnite or Brawl Stars make targeted use of this: With just a few clicks, game characters can be embellished, levels can be unlocked faster or virtual coins can be collected. Virtual currencies seem abstract and are difficult to link to real money, so children often don’t even realize that they are spending real money – on things that have no real equivalent value.
Loot boxes are particularly critical: they contain random rewards that children perceive as small surprise gifts. The random effect can lead to them repeatedly investing money in order to receive the “right” reward. In games such as EA Sports FC (formerly FIFA), children can draw soccer stars in so-called packs; whether a favorite player is included is decided solely by chance. In Brawl Stars, children also open boxes that contain random power-ups or new characters. Such mechanisms are similar to gambling and are particularly problematic and tempting for young players.
There is also social pressure: those who progress faster or fail less often have an advantage in the game and can assert themselves better in front of friends. These psychological mechanisms make in-app purchases particularly appealing.
Parents can do a lot to protect their child from cost traps. It is important that you discuss the topic with your child and make clear agreements. In addition to technical settings, you should sensitize your child to cost traps and gradually give them responsibility in dealing with money in the digital space.
Since 2023, USK age ratings have included additional information on online risks such as in-app purchases, loot boxes and chats. This information can be found on game packaging, in app stores and in the USK title database. This makes it easier for parents to recognize which games are age-appropriate and where particular caution is required.
If your child has already made in-app purchases, you should first check whether refunds are possible in the app store. It is also worth carefully documenting any unclear debits and taking screenshots. It is then advisable to contact the provider directly – especially if subscriptions or purchases were not clearly marked. If the problems persist or occur repeatedly, consumer advice centers offer additional support and legal advice to protect families from further cost traps.
