Reviewed by Peter Fryers | Published April 2026
Pay by Phone lets you deposit at UK casinos by charging your mobile bill or pre-pay credit — no bank details required. It's fast, private, and a strong budget-control tool, but it's a deposit-only method with tight daily caps. This page tracks new UKGC-licensed casinos that accept Pay by Phone.
Pay by Phone (also branded as Boku, Payforit or Siru Mobile depending on the operator) charges casino deposits to your mobile phone bill instead of your bank card. If you're on a monthly contract, the deposit appears on your next bill. If you're pay-as-you-go, it's deducted from your pre-pay balance immediately. Because the transaction routes through your mobile carrier, the casino never sees your bank details.
UK regulation caps mobile-billed gambling deposits tightly — typically £10 per transaction and £30 per day across all Pay by Phone casinos combined. This is a deliberate consumer-protection design and one of the reasons the method is popular for casual, budget-controlled play. It's not designed for high-stakes players.
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At the cashier, select Pay by Phone (or Boku/Payforit), enter your mobile number, and choose the deposit amount within the operator's cap (usually £5, £10, £20 or £30). You'll receive an SMS confirmation code — enter it to authorise. The deposit is instant. If you're on a monthly contract the charge appears on your next bill. If you're pay-as-you-go it's deducted from your top-up credit straight away. No bank card, no CVV, no 3-D Secure. Some mobile networks apply a small transaction surcharge; check your carrier's terms.
Withdrawals via Pay by Phone are not possible — mobile carriers do not support outbound casino payouts. If you deposited via Pay by Phone and win, you'll be asked at withdrawal time to nominate an alternative payout method: bank transfer, debit card, PayPal, Skrill, Neteller or similar. This will trigger KYC checks the first time. Processing times then follow that alternative method's own timeline (see our withdrawal times guide).
Compared to Paysafecard, both are deposit-only privacy-focused methods, but Pay by Phone bills your carrier whereas Paysafecard is a prepaid voucher. Compared to Apple Pay and Google Pay, Pay by Phone doesn't need a linked debit card at all — just an active UK mobile number. Compared to PayPal, Pay by Phone is faster to start but has much tighter caps and no withdrawal support. Compared to a raw debit card deposit, Pay by Phone is safer for budget control but slower for reloads once you've hit the daily cap.
UK regulation caps mobile-billed gambling deposits at typically £10 per transaction and £30 per 24 hours across all Pay by Phone casinos combined. Some operators apply a lower per-transaction cap of £5. Monthly limits are set by your mobile carrier (often £120–£240). Withdrawals are not supported via Pay by Phone — payouts route to your nominated alternative method under its own limits. If you need higher single-deposit amounts, use PayPal, a debit card, or an e-wallet instead.
Pay by Phone's low caps are a form of built-in budget protection, but they don't replace proactive controls. Every UKGC-licensed casino must honour deposit limits, session limits and self-exclusion. If gambling is causing harm, free confidential help is available 24/7 from GamCare on 0808 8020 133 or the GamCare live chat. Self-exclude from every UKGC casino at once at GAMSTOP. Never gamble with money you can't afford to lose. 18+ only.
About the author

Peter Fryers
Lead Casino Analyst
Peter has spent over a decade in the iGaming industry, covering casino operations, bonus analysis, and regulatory compliance. He has direct experience evaluating operator licences, bonus mathematics, and player dispute processes. Peter leads our casino review programme and is responsible for the editorial ratings across all casino listings.
Areas of expertise: Casino Reviews, Operator Analysis, Bonus Evaluation, Licensing & Regulation.