Pay by Phone remains a distinctive option for UK casino players in February 2026, allowing quick, low-value deposits that are billed to your mobile contract or deducted from your PAYG credit. Because authorisation is completed via your phone number and an SMS (or equivalent) verification step, you don’t need to share card or bank details with the casino—a useful privacy benefit if you prefer to keep banking credentials off gambling sites. The main compromise is that Pay by Phone is deposit-only, so it can’t be used to withdraw winnings back to your mobile account. Costs can also be steep: depending on your mobile network/provider, charges may reach up to 15% per deposit, and both networks and casinos tend to enforce tight limits (often around £10–£30 per transaction). As with all regulated payment options, only UK Gambling Commission-licensed casinos can offer it, and it’s worth noting that some bonuses may not apply to Pay by Phone deposits due to processing fees and eligibility rules. If you’re comparing deposit routes, our main Casinowithdrawal.co.uk hub covers the wider payment landscape.
List of Pay by Phone casinos for February 2026
Bet365
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Fastest Reported Time:
2 min
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Deposit Methods:
Visa, Mastercard, Maestro, Apple Pay, Google Pay, Paypal, Trustly, Paysafe, Bank Wire Transfer
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Withdrawal Methods:
Visa, Mastercard, Maestro, Apple Pay, Paypal, Trustly, Paysafe, Bank Wire Transfer
- Minimum deposit: £5 to £100 (depending on deposit method)
- Maximum Withdrawal:(per transcaction) £5,500 to £100,000 (depending on withdrawal method)
- Payout times: E-wallet: 0-24 hrs, Bank transfer: 2-10 days, Credit or Debit cards: 1-5 days
- Minimum Withdrawal: £5 to £100 (depending on withdrawal method)
- Fees: N/A
- Cashout on Weekends: Not specified
- Cancel Withdrawal: Yes, as long as the request is still “Pending”
- Manual Flushing: Yes
- Play without account: Yes, but only for demo versions (free play)
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Casumo Casino
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Fastest Reported Time:
10 min
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Deposit Methods:
Visa, Mastercard, ApplePay, PayPal, Trustly, Paysafecard, Skrill and Instant Banking
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Withdrawal Methods:
Visa, Mastercard, ApplePay, PayPal, Trustly, Paysafecard, Skrill and Instant Banking
- Minimum deposit: £10
- Maximum Withdrawal:(per transcaction) £20,000
- Payout times: E-Wallet: 0 - 1 hours, Debit Cards: 1 - 7 days, Bank Transfer: 1 - 7 days
- Minimum Withdrawal: £1
- Fees: Withdrawals under £10 incur a £3 fee
- Cashout on Weekends: Yes
- Cancel Withdrawal: Yes
- Manual Flushing: Yes
- Play without account: No
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LeoVegas
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Fastest Reported Time:
3 min
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Deposit Methods:
LeoCard, Apple Pay, Checkout, TrueLayer, Paypal
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Withdrawal Methods:
LeoCard, Apple Pay, TrueLayer, Paypal
- Minimum deposit: £10
- Maximum Withdrawal:(per transcaction) LeoCard, Apple Pay: £8,000, TruLayer: £45,000, Paypal: £4,000
- Payout times: E-wallet: 0 – 24 hours, Debit cards: 2 – 5 days, Bank transfer: 3-5 days
- Minimum Withdrawal: £10
- Fees: VIP customers have unlimited free withdrawals. Other customers get 3 free withdrawals per month and pay £3 for each additional withdrawal.
- Cashout on Weekends: Yes
- Cancel Withdrawal: Yes, within 5 hours
- Manual Flushing: No
- Play without account: No
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Mr Vegas
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Fastest Reported Time:
12 min
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Deposit Methods:
Maestro, MasterCard, Neteller, Paysafecard, instaDebit, Visa, Sofort, Giropay, Euteller, Bank Transfer, Trustly, Skrill, Pay by Phone, PayPal, Zimpler, Payz, AstroPay, Bambora, CashtoCode, Flexepin, inpay, Interac, MiFinity, MuchBetter, Neosurf
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Withdrawal Methods:
Maestro, Neteller, Paysafecard, Visa, Euteller, Skrill, Trustly, WebMoney, Payz, MasterCard, Bank Transfer, AstroPay, Bambora, CashtoCode, Inpay, instaDebit, Interac, MiFinity, MuchBetter, PayPal, Zimpler
- Minimum deposit: £10
- Maximum Withdrawal:(per transcaction) £10,000
- Payout times: E-wallet: 0 – 24 hours, Card Payments: 0 - 3 days, Instant bank transfers: 3-7 business days, E-Bank transfer: 0 -24 hours
- Minimum Withdrawal: £20
- Fees: No fees
- Cashout on Weekends: Yes
- Cancel Withdrawal: Yes
- Manual Flushing: No
- Play without account: No
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NetBet
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Fastest Reported Time:
20 min
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Deposit Methods:
Visa, Mastercard, Paypal, Paysafecard, Apple Pay, Google Pay, Payz, Trustly, Citizen
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Withdrawal Methods:
Visa, Mastercard, Paypal, Paysafecard, Payz, Bank Transfer, Trustly, Citizen, Apple Pay
- Minimum deposit: £10
- Maximum Withdrawal:(per transcaction) £35,000
- Payout times: E-Wallet: 2 - 48 hours, Debit Cards: 2 - 48 hours, Bank Transfer: 2 - 48 hours
- Minimum Withdrawal: £10
- Fees: No fees
- Cashout on Weekends: Yes
- Cancel Withdrawal: Yes - as long as it is not yet validated
- Manual Flushing: No
- Play without account: No
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Fastest Reported Time:
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Deposit Methods:
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Withdrawal Methods:
- Minimum deposit:
- Maximum Withdrawal:(per transcaction)
- Payout times:
- Minimum Withdrawal:
- Fees:
- Cashout on Weekends:
- Cancel Withdrawal:
- Manual Flushing:
- Play without account:
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Unibet
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Fastest Reported Time:
1 min
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Deposit Methods:
Apple Pay, Skrill, Neteller, Bank Transfer, Trustly, Paysafecard, Visa, Mastercard, Google Pay
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Withdrawal Methods:
Apple Pay, Skrill, Neteller, Bank Transfer, Trustly, Visa, Mastercard
- Minimum deposit: £1 (with bank transfer)
- Maximum Withdrawal:(per transcaction) £100,000 (with bank transfer)
- Payout times: E-wallet: 0 – 48 hours, Debit cards: 1 – 5 days, Bank transfer: 1 – 5 days
- Minimum Withdrawal: £5 (with e-walllets)
- Fees: No fees
- Cashout on Weekends: No
- Cancel Withdrawal: Yes, within 5 hours
- Manual Flushing: No
- Play without account: No
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Videoslots
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Fastest Reported Time:
1 min
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Deposit Methods:
Neosurf, Trustly, Skrill, Direct Bank Transfer, Instant Bank, Swish, MuchBetter, Euteller, Zimpler, Interac, Flexepin, Voucher, Bank Wire Transfer, Payz, MasterCard, Neteller, Paysafecard, Visa
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Withdrawal Methods:
Bank Wire Transfer, MasterCard, Neteller, instaDebit, Visa, Payz, Skrill, Trustly, Swish, Euteller, Interac, Klarna Instant Bank Transfer, MiFinity, MuchBetter, Paypal, Paysafecard, Rapid Transfer, Venus Point, Zimpler, Bambora
- Minimum deposit: £10
- Maximum Withdrawal:(per transcaction) £10,000
- Payout times: E-wallet: 0 – 1 hours, Debit cards: 0 – 1 hours, Bank transfer: 0 -24 hours
- Minimum Withdrawal: £20
- Fees: 1 free withdrawal per day
- Cashout on Weekends: Yes
- Cancel Withdrawal: Yes, within 5 hours
- Manual Flushing: Yes
- Play without account: No
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10Bet
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Fastest Reported Time:
30 min
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Deposit Methods:
Bank Transfer, Visa, Mastercard, Paypal, Apple Pay, Google Pay, Neteller, Skrill, Paysafecard, Trustly
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Withdrawal Methods:
Visa, Mastercard, Neteller, Skrill, Paysafecard, Trustly, Paypal, Fast Bank Transfer
- Minimum deposit: £10
- Maximum Withdrawal:(per transcaction) £50,000
- Payout times: E-Wallet: 1 - 2 days, Debit Cards: 1 - 2 days, Bank Transfer: 1 - 3 days
- Minimum Withdrawal: £5
- Fees: No fees
- Cashout on Weekends: Yes
- Cancel Withdrawal: Yes, within 48 hours
- Manual Flushing: No
- Play without account: No
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32Red
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Fastest Reported Time:
N/A
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Deposit Methods:
Mastercard, Visa, Maestro, Trustly, Bank Wire Transfer, Apple Pay, Google Pay
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Withdrawal Methods:
Mastercard, Visa, Bank Wire Transfer, Trustly
- Minimum deposit: £10
- Maximum Withdrawal:(per transcaction) Not stated
- Payout times: E-Wallet: 1 - 3 days, Debit Cards: 1 - 3 days, Bank Transfer: 1 - 3 days
- Minimum Withdrawal: £10
- Fees: No fees
- Cashout on Weekends: Yes
- Cancel Withdrawal: Yes, within 24 hours
- Manual Flushing: No
- Play without account: No
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888casino
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Fastest Reported Time:
1 hour
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Deposit Methods:
Visa, Mastercard, Luxon Pay, Apple Pay, Trustly, Paysafecard
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Withdrawal Methods:
Visa, Mastercard, Luxon Pay, Apple Pay, Trustly, Paypal, Wire Transfer
- Minimum deposit: £10
- Maximum Withdrawal:(per transcaction) £30 000 per calendar month
- Payout times: E-wallet: 2 – 3 days, Debit cards: 1 – 6 days, Bank transfer: 4 - 8 days
- Minimum Withdrawal: £10
- Fees: N/A
- Cashout on Weekends: Yes
- Cancel Withdrawal: Yes, within 24 hours
- Manual Flushing: No
- Play without account: No
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About Pay by Phone
Pay by Phone started as a way to make small online purchases without entering card details, using mobile carrier billing instead. In the casino space, it became more common in the late 2010s as billing providers such as Boku and Siru Mobile made it possible to add funds in seconds from a handset, with the final approval handled through SMS. Over time, closer oversight from the UK Gambling Commission and mobile network operators has kept the method traceable and security-focused, while still offering a “bank-details-free” deposit route for players who don’t want to pass card information to an operator.
Fees have generally edged higher as telecoms compliance and fraud controls have tightened, and spending caps remain intentionally low—both to limit misuse and to support safer gambling by keeping deposits small and controlled. If you’re weighing mobile billing against other regulated payment routes, our payment methods overview provides a broader comparison.
- Deposit fees: Up to 15% charged by mobile networks
- Deposit limits: Usually £10–£30 per transaction; daily/monthly limits enforced
- Security: Network-level encryption, anti-fraud measures, UK/EU regulatory compliance
- Privacy: No need to supply bank or card details to the casino
- UKGC compliance: Only available at UK-licensed casinos
For full details on operator services and terms, see the official Pay by Phone website. You can also read our dedicated Pay by Phone method guide for more insights.
How to deposit with Pay by Phone
- Choose a UKGC-licensed online casino that supports Pay by Phone deposits (find UK-licensed sites here).
- Open the casino cashier/banking section and select Pay by Phone from the deposit options.
- Enter your deposit amount (commonly £10–£30, subject to both casino and network limits) and type in the mobile number you want to charge.
- Approve the payment using the SMS code/verification prompt sent to your handset; funds are typically credited straight away.
- Important: your mobile provider may add a fee of up to 15%, meaning the amount billed can be higher than the amount you see added to your casino balance.
See our Boku and Siru Mobile reviews for more guidance on Pay by Phone options. If you’re comparing against digital wallets, our guide to using e-wallets to bet online in the UK is a useful reference point, and instant bank options such as Trustly can suit players who want higher limits with direct bank transfers.
How to withdraw with Pay by Phone
Withdrawals are not supported by Pay by Phone. It’s built for charging deposits to a mobile account and doesn’t operate as a return-to-source withdrawal method for casino winnings. If you deposit this way, you’ll need to cash out using another withdrawal option provided by the casino (for example, debit card, e-wallet, or bank transfer). Here’s a standard approach:
- When you’re ready to withdraw, open the cashier/withdrawals section in your casino account.
- Select an eligible withdrawal method (debit card, PayPal, Apple Pay, or direct bank transfer).
- Complete any required verification steps, including supplying ID or proof of address where necessary (how to verify your account).
- Submit the withdrawal request; timings depend on the method and the casino’s review process (see fast payout methods).
For alternatives, refer to our main withdrawal methods overview. If you want a straightforward card route for withdrawals, you can also compare requirements in our Visa casinos guide.
More about the casinos that offer Pay by Phone
All casinos supporting Pay by Phone deposits in February 2026 are licensed by the UK Gambling Commission. This means they must meet strict standards around player protection, safer gambling tools, and payment security. In practice, you can expect measures such as SSL/TLS encryption for account and cashier activity, fraud monitoring, and routine compliance checks. Pay by Phone can add an extra privacy layer because the operator doesn’t receive your card or bank credentials—only the information required to process the mobile-billed deposit.
For site-specific withdrawal processes, see dedicated reviews of NetBet, Casumo, LeoVegas, and others listed above. To maximise safety, stick with trusted casinos and check for up-to-date licensing details before you deposit. If you need support with safer gambling, GamCare offers free advice via the National Gambling Helpline on GamCare (0808 8020 133).
Problems with Pay by Phone and how to solve them
Deposit not credited
If your Pay by Phone deposit doesn’t show in your casino balance, first confirm the payment was approved by your mobile network/provider. Check your SMS confirmation and available PAYG credit (or your contract billing status). If the charge has gone through but your casino balance hasn’t updated, contact casino support with the time, amount, and the number used—most cases are resolved within 24 hours. See common issues for more fixes.
Unexpected fees deducted
Fees are usually applied by the mobile provider rather than the casino, and can be as high as 15% per deposit. Read the on-screen confirmation carefully before approving the SMS code, and review your network’s carrier billing terms for gambling transactions. If keeping costs down matters, consider fee-free deposit options such as debit card or an instant bank method like Trustly.
Daily or monthly limit reached
If you get an error about limits, you’ve likely reached a network or casino cap (for example, a low daily allowance or a monthly ceiling). Waiting for the next reset period can solve it. If you need higher limits, you’ll usually have to switch to another deposit method such as debit card or bank transfer.
Bonus exclusion after deposit
Some casinos exclude Pay by Phone deposits from welcome or reload offers because processing costs are higher than many other deposit routes. Always check the bonus terms before depositing—especially any “excluded payment methods” section. Our PayPal casino bonus overview explains how eligibility can vary by method.
Incomplete account verification
Pay by Phone confirms the mobile number used for billing, but casinos will still require standard KYC checks before withdrawals. Follow the upload instructions for ID and proof of address; this is normal at UKGC-licensed operators. Need help? See our account verification guide. For a security-focused perspective on authentication tools, you can also read about the Titan Security Key as an extra layer for your online accounts.
Fees when using Pay by Phone
| Casino | Fee (per deposit) | Deposit Limit |
|---|---|---|
| NetBet | Up to 15% | £10–£30 |
| LeoVegas | Up to 15% | £10–£30 |
| Unibet | Up to 14.5% | £10–£20 |
Comparison: Most major debit cards (Visa/Mastercard) and Apple Pay offer 0% deposit fees, while e-wallets like PayPal typically don’t deduct from deposits (though other charges can apply depending on provider terms). Pay by Phone is among the more expensive mainstream deposit routes, so it’s generally best suited to small, controlled top-ups rather than larger bankroll deposits.
Discover other payment cost structures in our Paysafecard and Rapid Transfer guides.
Deposit and withdrawal limits with Pay by Phone
Pay by Phone typically comes with some of the lowest deposit limits available at UK casinos, with single transactions often restricted to £10 to £30. On top of this, daily and monthly caps can be applied by both the casino and the mobile network/provider, and combined limits often keep total spending relatively low (commonly around £100–£150 per month, although this varies by network and operator settings). As Pay by Phone doesn’t support withdrawals, you’ll need to choose a separate cashout method and meet the casino’s minimum withdrawal threshold (which can differ by brand and by method). For a broader breakdown of limits across different payment routes, see our comprehensive payment methods page.
Alternatives to Pay by Phone
If Pay by Phone fees or low limits don’t fit how you play, these regulated alternatives are often more flexible:
- Debit Card: Typically fee-free for deposits and usable for withdrawals, with higher limits than mobile billing. It does require sharing card details with the casino. Find out more in the debit card casino guide.
- PayPal: Instant deposits and fast withdrawals while keeping bank details private from the casino. See details on using PayPal. For more on payout expectations, you may also find our analysis of instant e-wallets vs slower card withdrawals useful.
- Apple Pay: Secure one-tap deposits with biometric authentication, without revealing full card details to the casino. Deposits are usually free, but withdrawals may need another method depending on the operator. Full info at Apple Pay casinos. For context on compliance and oversight in this area, see UK watchdogs tightening their grip on Apple Pay and Google Pay.
Pay by Phone can make sense if you want to minimise the banking information shared with an operator and you’re comfortable with small, capped deposits. If you’re aiming for higher limits, lower costs, or the ability to withdraw back to the same method, debit cards or e-wallets are generally a better fit.
You may also find alternatives such as Paysafecard (vouchers, deposit-only) or Trustly (instant banking) useful depending on your needs.
Pros and cons with Pay by Phone
| Pros | Cons |
|---|---|
| No card/bank details required | High deposit fees (up to 15%) |
| Strong mobile security & privacy | Deposit-only; no withdrawals |
| Fast, convenient for small/top-up deposits | Strict low deposit limits |
| UKGC-licensed casinos only | Often excluded from bonuses |
Safety and regulations with Pay by Phone
Pay by Phone deposits are protected through mobile network security controls, including encryption and fraud monitoring, and each payment requires confirmation via SMS (or an equivalent verification step). From the casino side, only operators licensed by the UK Gambling Commission can offer Pay by Phone, which helps ensure robust standards around payments, identity checks, and responsible gambling tools. A key privacy benefit is that the casino doesn’t receive your card or bank number—authorisation is handled through your mobile account and phone number.
If you’re unsure about a site’s credentials, verify its licence via the UK licensed sites list or the UKGC register. For support and safer gambling advice, GamCare is available at GamCare (National Gambling Helpline: 0808 8020 133).
FAQ
Is Pay by Phone safe for UK casino deposits?
Yes—Pay by Phone uses mobile network security controls and transaction verification (such as SMS confirmation). Any casino offering it must be licensed by the UK Gambling Commission, and your card/bank details aren’t shared with the operator.
Can I claim casino bonuses with Pay by Phone deposits?
Often no—many UK casinos exclude Pay by Phone from welcome or reload bonus eligibility due to higher processing costs. Always read the bonus terms before depositing, especially the “payment methods excluded” section.
What are the deposit fees and limits for Pay by Phone?
Fees are typically in the 10% to 15% range depending on your mobile network/provider. Deposit limits are low—commonly £10–£30 per transaction—plus daily/monthly caps set by the casino and the network.
How do I withdraw my winnings after using Pay by Phone?
You can’t withdraw to your phone bill/number. Instead, choose another withdrawal method offered by the casino (such as debit card, PayPal, or bank transfer) and complete any required ID checks before cashing out. See our fast withdrawal guide for options.
Do all UK online casinos accept Pay by Phone?
No—only certain UKGC-licensed casinos support Pay by Phone, and it’s not as widely available as debit cards or e-wallets. Check our regularly updated Pay by Phone casinos list for current availability.
Are there alternatives to Pay by Phone for privacy?
Yes—methods such as Paysafecard and Apple Pay can improve privacy by limiting how much card information is shared with the casino. For a wider comparison, see all UK casino payment methods.
Latest update: 2026-02-01
Charlie Davies 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.