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They are just assuming everyone in the UK has a credit card when they don't. I'm an adult and have got through my life without needing a credit card and I sure as hell aren't going to my bank and telling them I want a credit card just to buy video games
I've got a 21 year old Steam account, that's now locked for adult content. Other services are using age of account as a valid way of auditing for this purpose.
I don't see debit cards in that list.
https://www.ofcom.org.uk/online-safety/illegal-and-harmful-content/age-assurance?url=https://www.ofcom.org.uk/online-safety/illegal-and-harmful-content/online-pornography
Debit cards = not effective
FFS people... I don't even live in the UK and this took me all of about 2 minutes to find.
A debit card does not prove you are 18+ because you can have a child bank account.
With Credit Cards the requirement to be able to apply and have one is 18+.
Secondly, when I first opened my bank account, they expressly told me that they needed photo ID proof I was over 18 to do so and that I couldn't do it otherwise. I suppose that must have been a special case, the reasoning behind which I don't understand, but... yeah. I admit I could have done more due diligence to confirm that that wasn't the norm, but it was what my banking service told me.
No, they don't.
Children can have bank accounts. Anyone over the age of 11. So a debit card by itself only proves you are 11 or over.
However, only people who are 18 or over can have a credit card.
Don't forget that age verification is only for porn and is mainly aimed at children accidentally finding porn. It's not intended to stop anyone who is determined to find it.