Pay by Phone is a deposit route for UK casino accounts. The charge is added to your monthly mobile bill or deducted from pay-as-you-go credit instead of using card or bank details at the cashier. That can suit players who want a separate, low-value top-up route, but it is not a withdrawal method. Winnings must be paid out through another option such as debit card, PayPal, Apple Pay or bank transfer, depending on what the casino supports and what you have verified.
Availability varies by operator, mobile network and billing processor. Limits, fees and bonus eligibility can differ even when the cashier label looks the same. Confirm the live cashier before you deposit, and read our UK withdrawal methods hub if you need the wider payment picture.
UK casinos that accept Pay by Phone deposits
These operators in our register are listed for Pay by Phone deposits via providers such as Boku, Fonix, Payforit or Siru Mobile. Treat the table as a deposit-availability starting point, not proof that the same route can receive withdrawals. Tap “Show details” on any row to expand payout information, limits and bonus data, or open the brand review for our full assessment.
Mr Vegas
UKGC-licensed
Fastest payout
Mr Vegas aims to process within 48 hours after satisfactory checks
Min withdrawal
£20
Mr Vegas
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Fastest Reported Time:
Mr Vegas aims to process within 48 hours after satisfactory checks
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Deposit Methods:
Debit card, PayPal, Skrill, NETELLER, Payz, Trustly, Pay by Phone and Paysafecard; availability can vary by account
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Withdrawal Methods:
Debit card, PayPal, Skrill, NETELLER, Payz, Trustly and bank transfer where shown; closed-loop rules apply
- Minimum deposit: £10
- Maximum Withdrawal:(per transaction) Up to £30,000 via the original payment route; larger withdrawals by bank transfer; jackpot processing can differ
- Payout times: Mr Vegas says it endeavours to process withdrawals within 48 hours after satisfactory checks, without a guarantee; provider posting time follows
- Minimum Withdrawal: £20
- Fees: Free in practice; T&Cs reserve right to charge 3.95% on withdrawals under £20, unwagered funds, or frequent weekly cashouts
- Cashout on Weekends: Yes (processed in business days)
- Cancel Withdrawal: No (not available for UK players)
- Manual Flushing: No
- Play without account: No
Show less
#Ad | 18+ | Play Responsibly. New UK players only. Min deposit £10. Welcome offer: 100% match up to £50 in bonus funds + 11 wager-free Welcome Spins. 10x wagering on bonus, 60 days to complete. Bonus released in 10x10% tranches. Sister-brand to Videoslots and Mega Riches (shared Videoslots Limited / Immense Group structure). Full T&Cs at mrvegas.com. Please gamble responsibly. Visit www.begambleaware.org or call the National Gambling Helpline on 0808 8020 133.
The list above is drawn from our own review register, not an exhaustive directory of every UK casino that accepts Pay by Phone. Network support, processor integration and cashier labels change. A visible deposit option does not remove normal KYC, source-of-funds or withdrawal checks. We earn commission from most operators when you sign up via our links.
What Pay by Phone is and how it is regulated in the UK
Pay by Phone is carrier billing, also called direct carrier billing or charge-to-bill. Instead of moving money from a bank account, card or e-wallet, the deposit is billed through your mobile number. Authorisation usually happens by SMS code, PIN entry or a network prompt on your handset. The casino typically receives confirmation from a billing processor rather than your card or account number.
Two regulatory layers apply in practice:
- Phone-paid services and carrier billing: From 1 February 2025, Ofcom took over day-to-day regulation of premium rate and phone-paid services from the Phone-paid Services Authority. The Regulation of Premium Rate Services Order 2024 replaced the old Code of Practice 15 framework. It sets transparency, consent and consumer-protection rules for controlled phone-paid services, including remote gambling billed through a mobile account.
- Remote gambling operators: Any UKGC-licensed casino offering Pay by Phone must still meet Licence Conditions and Codes of Practice requirements on safer gambling, customer verification, fund protection disclosure and financial-risk controls.
Major UK billing processors used at casino cashiers include:
- Boku / Fortumo: widely integrated at UK cashiers, often shown as Pay by Mobile or Pay by Phone.
- Fonix: used by several newer integrations; fee treatment varies by operator.
- Payforit: legacy UK carrier-billing branding associated with EE, O2, Three and Vodafone.
- Siru Mobile: callback or SMS-style authorisation; available in the UK with processor-level limits that can sit above network caps.
Supported UK networks commonly include EE, Vodafone, O2, Three and several MVNOs, but not every plan allows gambling-related charge-to-bill. Siru Mobile states that Virgin Mobile and operators on its networks are restricted in the UK. EE’s charge-to-bill consumer code also states that charge-to-bill and premium-rate spend is capped at £40 per transaction and £240 per month. Always confirm with your network that gambling-related billing is enabled on your line.
How to deposit with Pay by Phone
- Choose a UKGC-licensed casino that lists Pay by Phone, Pay by Mobile, Boku, Fonix, Payforit or Siru Mobile in its cashier.
- Open the deposit screen, select the phone-billing option and enter the amount. Many sites work between roughly £5 and £30 per deposit, but the live cashier is authoritative.
- Enter your UK mobile number when prompted.
- Approve the charge via SMS, PIN or network confirmation. Funds often appear quickly after approval, but timing depends on the casino, processor and network.
- Check the confirmation screen for the total charge, including any processor or network fee. The amount billed to your phone can be higher than the sum credited to your casino balance.
Deposit-limit prompts: Since 31 October 2025, UKGC rules require operators to prompt customers to set a financial limit before the first deposit, with limit-setting tools clearly accessible from registration and deposit pages. Setting a limit is presented as the default option; you can opt out, but the prompt itself is mandatory for new deposit journeys covered by the updated Remote Technical Standards.
From 30 June 2026, the term “deposit limit” may legally refer only to a gross deposit limit based on amounts paid into the account over a chosen period. Operators may still offer other limit types, such as loss limits, but the label “deposit limit” is reserved for that gross-deposit definition.
How to withdraw with Pay by Phone
Pay by Phone is deposit-only. There is no standard mechanism to return winnings to a mobile bill or PAYG balance. If you deposited via phone billing, you must cash out through a separate withdrawal method offered by the casino.
- Go to the cashier or withdrawal section and choose an eligible method. Common options include debit card, PayPal, Apple Pay, Skrill, Neteller or bank transfer.
- Complete any outstanding verification if you have not already done so.
- Submit the request and note the operator’s stated processing window.
Payout timing depends on several steps that sit outside the payment brand itself. The casino may need to approve the request, complete KYC or source-of-funds checks, apply a pending period, and only then release funds to your bank, card issuer or wallet provider. Weekends, bank holidays and account-specific review can add delay even when the underlying payment rail is fast. No method guarantees a fixed arrival time.
If you want a route that may handle both deposits and withdrawals, compare Trustly, PayPal and debit card. The final cashout route still depends on the individual casino and your verification status.
More about the casinos that offer Pay by Phone
Operators listed on this page should hold a valid UK Gambling Commission licence for Great Britain. That requires safer-gambling tools, customer verification, fraud monitoring and clear fund-protection information. When you deposit via Pay by Phone, the casino may not receive your bank or card details, but it still knows your mobile number and can use it for account security and responsible-gambling contact.
Some casinos absorb carrier-billing costs and show no separate player fee. Others pass part of the processing cost through to the deposit total shown before you confirm the SMS charge. Bonus terms often exclude Pay by Phone, Boku, Siru Mobile or other carrier-billing routes because of higher processing costs or closed-loop rules. Read the promotion terms for excluded payment methods before you deposit.
For site-specific withdrawal speeds, limits and bonus rules, see our dedicated brand reviews where available. If gambling stops feeling controlled, contact GamCare on 0808 8020 133 or visit gamcare.org.uk. You can also register with GAMSTOP for UK-wide self-exclusion across participating licensed operators.
Problems with Pay by Phone and how to solve them
Deposit not credited
Confirm the SMS or network approval completed and that you have enough PAYG credit or contract headroom. Check your mobile account for the charge. If the charge appears on your bill or balance but not in the casino account, contact casino support with the time, amount and mobile number used. If the casino cannot resolve it, escalate to the billing processor named in the confirmation message, then to your network, and finally to Ofcom if the dispute remains unresolved.
Unexpected fees deducted
Fees may be added by the mobile network or billing processor rather than shown as a separate casino withdrawal charge. Review the total payable amount on the confirmation screen before approving the charge. For lower-fee deposits, debit card or Apple Pay may suit better if the casino supports them and you are comfortable sharing those details.
Daily or monthly limit reached
Network and processor caps can block further phone-billed deposits even when the casino itself would allow more. EE publishes a £40 per-transaction and £240 per-month charge-to-bill ceiling for eligible services. Siru Mobile publishes a £500 rolling 30-day limit in the UK, but also notes that a common network subscription cap is £240 per month. If you hit a cap, you may need to wait for the relevant billing cycle or rolling window to reset, or switch to debit card, bank transfer or an e-wallet.
Bonus exclusion after deposit
Many UK casinos exclude carrier-billing deposits from welcome offers and reload promotions. Always read the bonus terms for excluded payment methods before depositing. Our PayPal overview explains how eligibility varies by method and operator.
Incomplete account verification
Pay by Phone confirms control of a mobile number, but standard casino KYC still applies before a first withdrawal. Upload ID and proof of address through the operator’s verification portal when requested. Source-of-funds or affordability questions can follow if account activity triggers safer-gambling rules.
Fees when using Pay by Phone
Carrier-billing fees are fragmented across casinos, processors and networks. The table below is illustrative, not a live price list. Always use the cashier confirmation screen as the source of truth.
| Casino / processor pattern | Typical player fee | Notes |
|---|---|---|
| Fonix-powered sites | Often 0% shown separately | Some operators absorb the cost |
| Boku / Pay by Mobile branding | 0% to around 15% | Depends on operator and network settlement |
| Siru Mobile | Variable | Total payable amount, including fees, counts toward Siru limits |
| Network charge-to-bill policy | £0 to a percentage uplift | EE caps total charge-to-bill spend at £40 per transaction and £240 per month |
Debit cards, Apple Pay and many e-wallets such as PayPal are often fee-free for deposits at UK casinos, though operator terms still apply. Pay by Phone tends to suit small, controlled top-ups rather than larger bank-style deposits because of fees and hard billing caps.
Deposit and withdrawal limits with Pay by Phone
Pay by Phone carries some of the tightest deposit limits of any UK casino payment method. Limits can apply at three levels:
- Network cap: EE’s published charge-to-bill policy sets £40 per transaction and £240 per month. Other networks apply their own charge-to-bill controls, and Siru Mobile cites a common £240 monthly subscription cap in the UK.
- Casino limits: many operators set minimum deposits around £5 to £10 and maximum phone-billed deposits around £10 to £30 per transaction, even when a network would allow more.
- Processor limits: Siru Mobile applies a £500 rolling 30-day limit in the UK, including fees, but network caps can still bind first.
Because Pay by Phone does not support withdrawals, you need a verified alternative to cash out. Minimum withdrawal thresholds vary by casino and method. Debit cards and e-wallets often start around £5 to £10, but each cashier page differs. For a broader comparison, see our payment methods hub.
Alternatives to Pay by Phone
If phone-billing fees or limits do not fit how you play, these regulated alternatives are generally more flexible:
- Debit card: widely understood for deposits and withdrawals, usually with higher limits than carrier billing. Requires sharing card details. Guide: debit card casinos.
- PayPal: wallet-style deposits and, where supported, withdrawals without giving the casino your bank login. Details: PayPal casinos.
- Apple Pay: mobile card-token deposits with biometric approval. Withdrawal eligibility depends on the operator. Guide: Apple Pay casinos.
- Trustly: Open Banking-style bank payments where the casino supports them. Guide: Trustly casinos.
Pros and cons with Pay by Phone
| Pros | Cons |
|---|---|
| No card or bank details shared with the casino at deposit | Processor or network fees may apply at some sites |
| Quick authorisation by SMS, PIN or network prompt | Deposit-only; winnings need another withdrawal route |
| Low caps can support controlled top-ups | Strict network billing caps, commonly around £40 per transaction and £240 per month |
| Available only at regulated operators that choose to integrate it | Often excluded from welcome or reload bonuses |
| Network-level billing controls and consent steps | Not supported on every UK network or plan; Virgin Mobile is restricted for Siru Mobile in the UK |
Safety and regulations with Pay by Phone
Pay by Phone deposits sit inside two overlapping protection frameworks: phone-paid services regulation and remote gambling operator rules.
Network and billing-processor level:
- Consent before charge: controlled phone-paid services require clear pre-payment information and express consent steps.
- Spend caps: EE publishes £40 per transaction and £240 per month for charge-to-bill and premium-rate spend on its consumer code.
- Transparency: merchants must show the total charge, and confirmation steps should repeat the payable amount.
- Disputes: unresolved billing disputes can be escalated through the processor and network to Ofcom where appropriate.
Casino level (UKGC):
- Mandatory financial-limit prompt before first deposit for journeys covered by the 31 October 2025 RTS changes.
- Six-monthly reminders for many active customers to review account activity and limits, with additional prompts for customers without limits.
- Fund-protection disclosure, including stronger reminders where customer funds are not protected in insolvency.
- Light-touch financial vulnerability checks when net deposits exceed £150 in a rolling 30-day period, using publicly available insolvency and court-judgment data.
- Phased financial risk assessments at higher net-deposit levels. Stage-one thresholds for the largest operators began at £5,000 net deposits in 24 hours for customers aged 25 and over, with lower thresholds for under-25s. Final thresholds are expected to fall to £1,000 in 24 hours or £3,000 in 90 days for customers aged 25 and over, and £750 in 24 hours or £2,000 in 90 days for under-25s once rollout completes.
If a dispute arises, a practical escalation path is: casino support or complaints team, then billing processor, then mobile network, then Ofcom or an approved ADR scheme if the complaint remains unresolved after the operator’s final response.
Safer gambling: Pay by Phone is for players aged 18+ only. Set a limit before you start, use operator time-out and self-exclusion tools where needed, and contact GAMSTOP, GamCare or BeGambleAware if gambling stops feeling controlled. The National Gambling Helpline is available on 0808 8020 133.
FAQ
Is Pay by Phone safe for UK casino deposits?
It can be a regulated route when used at a UKGC-licensed casino that integrates an established billing processor. Authorisation uses network consent steps, and the casino usually does not receive your bank or card details at deposit. Safety also depends on choosing a licensed operator, reading the payable total before confirming, and using limits and support tools if needed.
Can I claim casino bonuses with Pay by Phone deposits?
Often no. Many UK casinos exclude Pay by Phone, Boku, Siru Mobile and similar carrier-billing routes from welcome and reload offers. Check the promotion terms for excluded payment methods before you deposit.
What are the deposit fees and limits for Pay by Phone?
Fees vary from no separate charge at some sites to a percentage uplift at others. EE publishes a £40 per-transaction and £240 per-month charge-to-bill ceiling. Many casinos cap individual phone-billed deposits lower than that. Siru Mobile publishes a £500 rolling 30-day limit in the UK, but network caps can apply first.
How do I withdraw my winnings after using Pay by Phone?
You cannot withdraw to your phone bill. Choose an alternative withdrawal method offered by the casino, complete verification if requested, and allow time for operator approval, compliance checks and bank or wallet processing. Weekends and account-specific review can affect timing.
Do all UK online casinos accept Pay by Phone?
No. Acceptance is narrower than debit cards or major e-wallets. It depends on whether the casino has integrated Boku, Fonix, Payforit, Siru Mobile or a similar processor. Use the register above as a starting point and confirm the live cashier.
Which UK mobile networks support casino Pay by Phone?
EE, Vodafone, O2, Three and several MVNOs commonly support charge-to-bill for eligible services, but plan-level restrictions apply. Siru Mobile states that Virgin Mobile and operators on its networks are limited in the UK. Confirm with your network before relying on phone billing.
Are there alternatives to Pay by Phone for privacy?
Yes. Paysafecard is voucher-based and usually deposit-only, while PayPal can limit how much financial information is shared with the casino and may support withdrawals where the operator allows it. Both routes still require verification and safer-gambling checks.
Charlie Davids has over 15 years of experience in the online gambling space. Starting out as a poker player, he gradually moved into writing to help players better understand casinos, apps, and payment methods.
Today, Charlie focuses on mobile-first gambling, with a passion for making complex topics simple and trustworthy. Whether it's withdrawal speeds or casino reviews, he brings clarity from a player's perspective.