Monzo is a bank, while Boku charges deposits to a mobile phone account, so one payment listing does not confirm the other.
Why Monzo Searches Lead to Pay-by-Phone Options
A search for casinos that accept Monzo can lead to pages about Boku and other Pay by Phone services, but these are not interchangeable payment methods. Monzo is a bank, while Boku is a way to charge a deposit to your mobile phone account. Information confirming that a casino accepts Boku does not establish that it accepts Monzo. Nor does the appearance of a casino in a list of Pay by Phone options prove that Monzo can be used there.
That distinction matters if you are looking for a deposit route rather than simply a casino that allows mobile play. The available information concerns phone-billed payments, particularly Boku, rather than a confirmed list of casinos that accept Monzo deposits. A Monzo account may be usable through a payment option an operator offers, but that must be checked in the casino cashier; it cannot be inferred from a Boku listing.
The options are also changing. A small number of casinos licensed by the UK Gambling Commission still accept Boku deposits, but direct Boku availability has been declining since 2023. A specialist review describes a limited remaining group that includes Jackpot Mobile Casino and Peachy Games. Treat such names as a starting point for checking, not as a guarantee that Boku is currently available to every customer. Payment methods can differ between operators, and a cashier’s current options are more relevant than an older list.
Why the Boku list has narrowed
There was no UK Gambling Commission rule specifically banning Boku. The change instead came from individual casino operators deciding to remove it, with compliance risk cited as a reason. That difference is important: a regulator’s blanket prohibition would mean operators could not offer the method, whereas an operator’s own decision can leave the method available elsewhere.
Pay by Phone arrangements involve more than the casino’s deposit screen. A payment connects the gambling account with a mobile network and a charge to the customer’s phone account. This creates additional parties and checks for the operator to consider. If an operator judges that arrangement too difficult to manage from a compliance perspective, it can remove Boku from its cashier without any UK-wide ban on the service.
Casino Payments: Methods, Deposits and Withdrawals
Since 2023, some operators have shifted from Boku to alternatives such as Fonix or Siru Mobile; others have removed Pay by Phone payments altogether. The result is not one consistent replacement across casinos. A casino may still support a phone payment but no longer use Boku, while another may offer no phone-billed deposit route. Seeing a Pay by Phone option at one operator therefore does not tell you what another operator accepts.
This helps explain why searches for “all Monzo casinos” can produce confusing results. Pages may group bank payments, card payments and phone-billed deposits under broad descriptions, even though they operate differently. A payment option’s presence in a general casino list does not confirm that it supports Monzo. Similarly, finding Boku mentioned on a casino page does not mean a Monzo transfer or card payment is accepted there.
What to check before treating a casino as an option
Use the casino’s own cashier to confirm which payment methods are currently offered to your account. If you are specifically looking to pay from Monzo, check that Monzo itself is named or that the cashier presents a payment route you can actually use from your Monzo account. A reference to Boku, Fonix or Siru Mobile alone is not confirmation.
Availability can also depend on the operator’s current payment arrangements, so an old review or cached list may not reflect the live cashier. Where Boku is shown, confirm that the option is available before planning a deposit. If it is absent, do not assume that a different Pay by Phone service will behave as a substitute or accept the same funding source.
Finally, payment acceptance and legal status are separate checks. Remote gambling operators serving consumers in Great Britain must hold the relevant UK Gambling Commission licence, regardless of where their equipment is located. Before depositing, verify the operator’s licence number on the Commission’s public register. This confirms the regulatory status of the casino; it does not confirm that Monzo or Boku is available in its cashier.
Payment Method Boku (Pay by Phone)
Monzo Compatibility Not a direct deposit method
UK Compliance UK Gambling Commission regulated
How a Pay-by-Phone Casino Deposit Works
A Pay by Phone deposit uses your mobile number to authorise a casino payment. With Boku, the casino cashier starts the transaction, your phone receives a verification message, and the confirmed charge is passed to your mobile network. The network then bills you for it or deducts it from your prepaid balance. The phone is the payment route; it does not mean your Monzo account is being charged.
Starting the payment in the casino cashier
After signing in, open the cashier and choose Boku if it appears among the available deposit methods. Enter the amount you want to add and the mobile number associated with the phone account that will carry the charge. Take care with the number: the transaction depends on the mobile account being able to receive and confirm the request.
The cashier then initiates the payment. Boku sends an SMS containing a verification code to the number you entered. Enter that code in the requested field to confirm that you control the phone and approve the transaction. This confirmation is part of the payment flow; selecting Boku and submitting a number alone does not complete it.
If you do not receive the message, or the code is rejected, the deposit may not proceed. Check that the number is correct and that the phone can receive texts, then follow the cashier’s instructions. Avoid repeating the request without checking its status first: the cashier may still be processing the initial attempt, and a second request could create confusion about which payment you authorised.
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Once confirmation succeeds, the casino receives the payment information through the Pay by Phone service and credits the deposit to your casino account. The charge is associated with the mobile account, rather than being taken from a debit card or directly from Monzo. The SMS step therefore links your approval to the phone number that will be billed.
How the charge reaches your phone account
The billing route depends on your mobile plan. If you are on a monthly contract, the Boku payment is added to the bill issued by your mobile network. It appears as a charge connected with your mobile service, so the amount is collected through that billing relationship rather than as a separate card payment to the casino.
If you use a pay-as-you-go plan, the payment is deducted from your available PAYG credit. In that case, the phone account’s balance is the source of the funds. A successful SMS confirmation authorises the charge, but it does not change how the network collects it: a contract customer is billed, while a prepaid customer’s credit is reduced.
This distinction helps explain what to check when reviewing a transaction. The casino cashier records the deposit in your gambling account, while the mobile operator handles the corresponding phone charge. If the deposit appears in the casino balance but the phone bill or PAYG record is not immediately clear, check the mobile account’s payment or usage details as well as the cashier history. These are separate records of the same payment moving through different parts of the process.
Where Monzo fits
A phone-billed deposit is not a Monzo deposit simply because you use a smartphone to make it. Boku identifies the mobile number and routes the charge through the associated mobile account. Monzo is not selected in this transaction flow, and the SMS confirmation does not authorise a payment from a Monzo balance.
DO
- Use the casino cashier to confirm Monzo or Boku availability
- Check the operator’s UK Gambling Commission licence
- Verify the mobile number is correct before entering the SMS code
DON’T
- Assume Boku availability means Monzo is accepted
- Assume a phone-billed deposit can be used for withdrawals
- Share your SMS verification code with anyone
That distinction matters if you are trying to work out whether a casino can take money from your Monzo account. The method shown in the cashier determines the payment route. When Boku is selected, the charge is attached to your mobile bill or prepaid credit; it is not redirected to Monzo by entering a phone number or receiving a text. If your goal is to use Monzo itself, the Boku steps do not establish that the casino accepts Monzo.
Before confirming, make sure you recognise the amount and the phone number shown in the cashier. The confirmation code is approval for the specific payment request presented during that transaction. Do not share it with another person or enter it for a request you did not start. If you decide not to continue, leave the transaction unconfirmed and check the cashier for its status rather than assuming that opening the payment screen has already charged you.
The complete sequence is therefore: choose Boku in the cashier, enter the deposit amount and mobile number, confirm using the SMS code, and let the mobile operator apply the charge according to your plan. The casino and phone account each record a different side of the transaction: one shows the casino deposit, the other shows the bill charge or reduction in PAYG credit.
Boku Deposit Limits and Phone-Balance Constraints
A Boku deposit has to fit several limits at once: the amount the casino offers for a transaction, any cap applied by the mobile network, and—on a pay-as-you-go (PAYG) plan—the credit left on your phone. Passing one check does not override the others. A casino may display an amount that your network will not process, or your available balance may be too low for an amount that is otherwise permitted.
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One specialist casino review describes £30 as the standard UK limit for a single Boku deposit, while noting that some casinos and networks may permit £40 or £50. Treat those larger amounts as operator- or network-specific, not as a limit you can assume will be available. The cashier’s displayed options and the mobile operator’s rules determine what you can actually pay.
There is also a reported denomination restriction: Boku amounts may be offered only in multiples of ten, such as £10, £20 or £30. Because this detail comes from a specialist review and can depend on the current service arrangement, do not assume every cashier offers the same selection. If the amount you want is absent, that does not necessarily mean your phone balance is the problem; the operator may simply not offer that denomination.
The network limit is separate from the casino limit
A casino controls the amounts it makes available in its cashier. A mobile operator can impose a separate daily Boku limit. A specialist review attributes that daily cap to the network rather than the casino, so repeated deposits may be declined even when the casino still shows an available payment option. The casino’s own transaction ceiling and the network’s daily allowance are distinct constraints; satisfying one does not prove that the other has room.
This distinction matters if you have already made a Boku payment during the day. The next attempt is assessed against the mobile operator’s rules, not just the casino’s cashier settings. If it fails, trying a different amount at the same casino may not help when the network-level allowance has been reached. The relevant restriction may remain in place across attempts rather than resetting because you changed the casino.
Boku deposits are typically limited to multiples of ten, such as £10, £20, or £30, depending on the operator and network.
PAYG credit is an additional ceiling
For a PAYG phone, the available balance places a hard limit on what can be charged through Boku. A specialist review notes that the deposit cannot exceed the credit remaining on the handset account; if the balance is insufficient, the payment can be declined. That balance check is independent of both the casino’s chosen amount and any network limit.
For example, having enough credit for one of the amounts shown in the cashier does not guarantee approval if the network’s daily allowance has already been used. Conversely, an unused network allowance does not make a larger deposit possible when the PAYG balance cannot cover it. On a monthly-billed plan, the charge is added to the phone bill rather than deducted from prepaid credit, but the casino and network limits can still apply.
The practical limit is therefore the lowest applicable ceiling: the amount offered by the casino, the mobile operator’s remaining allowance, or the PAYG balance available for the charge. A decline can point to any of these constraints, and the amount alone may not identify which one is responsible. Check the cashier’s available denominations and the mobile account’s payment or balance information before relying on a particular deposit amount.
Using Pay-by-Phone Payments for Online Slots
A Pay by Phone option affects how you add funds to a casino account; it does not determine which games the casino offers. If a licensed casino provides online slots, the available titles are set by the operator and its game catalogue, not by whether you paid through Boku, another phone-billing service or a different method. The same distinction applies when you use a Monzo account for other payments: that does not turn Monzo into a slot-specific payment system or establish that a casino accepts it.
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For a phone-billed deposit, the relevant question is whether the casino cashier offers that payment service and whether your mobile network supports it. Pay by Phone and Fonix are supported by EE, O2, Vodafone and Three. Support from a network does not mean every casino offers the service, and a casino’s game selection does not confirm that it accepts a particular payment method. Check the cashier and the operator’s terms rather than inferring one from the other.
The deposit method also does not change the rules governing a slot session. In Britain, online slot autoplay is banned, so you must start spins individually rather than set the game to continue automatically. Each spin must last at least 2.5 seconds. These requirements apply to the slot experience, not to how you fund the account.
Stake limits also depend on the rules for online slots, not on the phone payment used. The maximum stake per game cycle is £5 for customers aged 25 and over, and £2 for customers aged 18 to 24. The £5 limit for all adults took effect on 9 April 2025. A payment method cannot raise those limits or make a game exempt from them.
Before depositing, verify that the casino holds a current UK Gambling Commission operating licence. The Commission’s public register lets you check the operator’s licence. UK-licensed casinos must verify your age before allowing deposits, and remote operators must prompt new customers to set a financial limit before their first deposit and provide account-level limit controls. These checks are separate from the cashier: seeing a Pay by Phone option does not itself confirm the operator’s regulatory status.
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So, if you are looking for online slots that can be funded from a phone, treat payment acceptance, game availability and session rules as separate checks. Confirm the payment option in the casino cashier, review the games the operator actually provides, and make sure the site’s licence is valid. A phone payment may be one way to fund an account, but it does not establish that a particular slot is available, that Monzo is accepted, or that the casino is legitimate.
Real-Money Slot Play and What a Phone Deposit Can—and Cannot—Do
A phone payment can put money into a casino account for real-money play, but that does not mean it can handle every part of the account’s payment cycle. Boku is a deposit-only method: it can fund your balance, but it cannot receive casino withdrawals. Any winnings therefore remain in your casino account until you request payment through a separate withdrawal method supported by the operator.
This distinction matters when you are looking for slots to play with Monzo. A search for a Monzo slots app or a casino that accepts Monzo does not, by itself, establish that Monzo is available as a deposit option. Nor does a casino’s acceptance of Pay by Phone tell you which slot games it offers. Payment methods govern how money enters or leaves an account; the casino’s game catalogue is a separate matter.
Depositing is not cashing out
When you use Boku, the payment covers the deposit side of the transaction. If you later win, you cannot send those funds back to Boku or have them credited to your phone bill. You need another withdrawal route, and it must be available at that casino.
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Before depositing, check the cashier’s withdrawal options and make sure you can register a suitable method for receiving funds. Otherwise, you could have money in the account without a withdrawal route that works for you. The key test is not simply whether a casino lets you deposit by phone, but whether its supported cash-out methods suit your circumstances.
What “real-money slots” means here
Playing slots for real money means wagering funds held in your casino account rather than using a free-play mode. A phone deposit may provide those funds, but the payment method does not turn a free game into a real-money game, and it does not guarantee that every title is available to you. The operator controls the games and account features; Boku only handles the deposit.
For the same reason, “no deposit” and “pay by phone” describe different things. A Pay by Phone deposit involves adding money to an account. A no-deposit offer, if an operator provides one, is a separate promotion with its own conditions. Do not assume that a phone payment is unnecessary simply because you are looking for no-deposit play, or that using Boku automatically creates eligibility for an offer.
Check both sides before playing
Treat the deposit and withdrawal checks as separate steps. Confirm that the operator accepts your chosen deposit method, then review the withdrawal methods and account requirements before you commit funds. For real-money play in Great Britain, verify the casino’s current UK Gambling Commission licence on the Commission’s public register before depositing. A payment method alone does not confirm that an operator is licensed or that a withdrawal can be made through that same method.
Boku is a deposit-only method and cannot be used to receive casino winnings. You must use a separate withdrawal method supported by the operator.
The practical result is straightforward: Boku can support the start of a real-money slot session, but it cannot complete the cash-out. Choose a casino only when its deposit options and its separate withdrawal route both work for you.
Deposits, Withdrawals and the Credit-Card Boundary
A Pay by Phone deposit and a casino withdrawal are separate parts of the payment path. Boku can send a deposit to your casino account, but it cannot receive winnings back. Before depositing, register another withdrawal method with the casino, such as a debit card, an e-wallet or a bank transfer. The operator may require that method to be verified before processing a withdrawal.
This distinction matters when looking for casinos that support Monzo. A Monzo account or card is not automatically a supported deposit or withdrawal route; the operator’s cashier determines which methods it accepts for your account. If you deposit through Boku, do not assume that winnings can be sent to the phone bill, or that a Monzo card will be available for cashing out. Check the casino’s payment options and withdrawal conditions before you fund the account.
Debit cards and bank transfers are not credit cards
UK-licensed casinos cannot accept credit-card payments for gambling. The restriction also covers credit-card funds routed through a money service business. It is therefore important to distinguish a debit card from a credit card rather than treating every card bearing the same provider’s name as interchangeable. A debit-card withdrawal route does not make credit-card gambling deposits permissible.
A bank transfer is another possible withdrawal route where the casino offers it. Neither a debit card nor a bank transfer is guaranteed to appear in every cashier: available methods depend on the operator and your account. Confirm that the casino supports the chosen route and that your account details meet its verification requirements.
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The restriction also affects digital wallets. A remote operator cannot accept a wallet payment for gambling if that wallet allows credit-card funds to be used for the transaction. A wallet is not a way around the credit-card boundary; the source of funds still matters.
If you are asking whether Monzo has closed in the UK, that is a separate issue from whether a particular casino accepts Monzo. Payment availability is determined by the casino’s listed options, while the withdrawal route must be checked independently. Do not infer that Monzo is accepted because a casino supports debit cards or bank transfers.
Before depositing, verify the casino’s current UK Gambling Commission licence on the public register and confirm that an alternative withdrawal method is registered. This helps you understand the full route for money entering and leaving the account, rather than checking only the deposit button.
Pay-by-Phone Deposits and Casino Bonus Terms
A Pay by Phone deposit does not automatically qualify for a casino promotion. Eligibility is set by the operator’s terms for each offer, so a payment method accepted by the cashier may still be excluded from a welcome bonus, free spins or another promotion. Check the terms attached to the specific offer before depositing; do not infer eligibility from the fact that the casino accepts the payment.
This distinction matters when comparing real-money casinos and slot sites that accept phone payments. The cashier answers whether you can deposit through that route. The promotion terms answer whether that deposit counts towards an offer. Those are separate conditions, and an operator can apply different rules to different promotions.
Can I withdraw my winnings to Boku?
No, Boku is a deposit-only method. You will need to use a different supported withdrawal route, such as a debit card or bank transfer.
Does using Boku mean I am playing with Monzo?
Not necessarily. Boku charges your mobile phone account, which is a separate process from a direct Monzo bank transfer or card payment.
A specialist review reported that MrQ, Duelz, Mr Vegas and Videoslots accepted pay-by-phone deposits for bonus eligibility. Treat that as a snapshot of the offers and terms reviewed, not a permanent promise: operators can amend promotions, and eligibility may differ between offers at the same site. Confirm the current wording with the operator before paying.
The same caution applies to Boku. A specialist review found no Boku-specific deposit restrictions on the platforms it assessed, while also noting that Boku deposits generally did not come with a dedicated bonus. That does not mean every Boku payment qualifies for every welcome offer. The operator’s current terms remain decisive, and pay-by-phone deposits may be excluded from welcome promotions.
Read the conditions for the offer you intend to use, including any stated payment-method exclusions. If the wording does not clearly cover your chosen method, ask the operator to confirm eligibility before you deposit. A bonus code or an offer displayed on the site does not, by itself, establish that a phone-funded deposit qualifies.
Do not treat a no-deposit offer as evidence that a particular payment method is supported: the offer and the cashier are separate parts of the account. Likewise, finding a slot promotion does not establish that a deposit made through Monzo or a Pay by Phone service will meet its conditions. Check the offer’s terms and the operator’s payment information independently, then make the deposit only once both are clear.
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Small Deposits and Mobile-Payment Availability
A small deposit is practical only if the cashier offers an amount that fits both the payment method’s denominations and the limits set by the casino and mobile network. A specialist review describes Boku deposits as available in amounts divisible by ten, such as £10, £20 or £30. On that account, a £5 deposit would not fit the stated Boku denominations. This is a reported payment condition, not a guarantee that every casino or network currently presents the same options.
That distinction matters if you are looking for a low minimum deposit at a casino associated with Monzo. Monzo acceptance is not confirmed by the availability of Pay by Phone: Boku charges the mobile account, while the options shown in a casino cashier depend on that operator. Check the cashier’s displayed minimum and available amounts before choosing a payment method. If the lowest amount shown is higher than you intend to deposit, the method is not suitable for that transaction.
The mobile network is another part of the decision. Pay by Phone and Fonix are supported by EE, O2, Vodafone and Three, but network support alone does not mean a particular casino offers either service. Availability depends on the combination of the operator, payment service and mobile account. A supported network can therefore still encounter a cashier that does not list the relevant payment option.
“Instant deposit” also needs a precise meaning. It describes how quickly funds may appear after a payment succeeds, not whether a £5 amount is accepted or whether Monzo itself is supported. The minimum amount and the processing time are separate conditions; one does not establish the other.
Summary of Findings
- Payment methods (Boku/Phone) and bank methods (Monzo) are not interchangeable.
- Boku is for deposits only; withdrawals require a different method.
- Always verify the operator’s licence via the UK Gambling Commission register.
- Mobile network limits and casino limits are separate constraints.
Before submitting a small payment, compare the amount displayed in the cashier with the amount you can afford and confirm that your mobile network is eligible for the selected service. If the cashier does not show a suitable amount, do not assume that changing the phone number or using Monzo will create one. Availability is determined by the offered payment route and its stated denominations, not by the bank account you hoped to use.
Alternatives When Monzo Is Not Confirmed
If Monzo is not shown in a casino’s cashier, that does not confirm that Monzo itself is unavailable. It means you should check which payment routes the operator currently offers rather than assume a phone-payment option will work there.
One route described in a specialist review is to use Boku to add funds to a Neteller account, then pay the casino from Neteller. This creates two separate steps: the phone charge funds the e-wallet, and the e-wallet makes the casino deposit. It only works if the cashier supports Neteller and the Boku-to-Neteller funding route is available to you. Check both before starting, because the casino’s payment list alone does not establish that the wallet can be funded this way.
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Pay by Phone services other than Boku may also appear in casino cashiers. A specialist review reported Fonix at MrQ and Duelz, and Siru Mobile at Mr Vegas and Videoslots. Treat those names as leads to verify, not as a guarantee that the method remains available to every account. Payment options can vary by operator and change over time; the cashier is the practical place to confirm what you can use.
If you want to pay directly from Monzo, look for an explicit Monzo or bank-payment option in the cashier. Do not treat a casino’s acceptance of a debit card, e-wallet or Pay by Phone service as proof that Monzo is supported. Each route has its own eligibility and processing conditions.
Before depositing, verify that the operator holds a current UK Gambling Commission licence and check its licence number on the Commission’s public register. A payment method being available does not establish that the casino is licensed to serve you. For a UK-regulated account, the operator must also provide an alternative withdrawal route when you deposit using Boku, since Boku cannot receive casino withdrawals.
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Monzo, Pay-by-Phone Deposits and GamStop Claims
A casino accepting a particular payment method does not tell you whether it is connected to GamStop. The two concern different things: payment acceptance describes how you can fund an account, while GamStop relates to gambling self-exclusion. A Monzo payment route, or a Pay by Phone option, is not evidence that a casino is outside the scheme.
Nor does a search for casinos that accept Monzo and are not on GamStop establish that any named site has that status. Payment options can differ between operators and accounts, and a cashier listing cannot confirm a site’s regulatory position. Treat claims about Monzo deposits and GamStop separately, and do not rely on a payment logo or a site’s own description as proof of licensing.
For consumers in Great Britain, the relevant check is the operator’s UK Gambling Commission licence. The Commission oversees commercial gambling in Great Britain, including remote casino services offered to people there. Its authority applies even when the operator’s equipment is located elsewhere. It issues operating licences to gambling businesses and personal licences to individuals carrying out regulated roles.
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Before depositing, find the operator on the Commission’s public register and verify that its licence is current and covers the service being offered. A casino that serves Great Britain customers must hold the relevant UK licence; an overseas location does not remove that requirement. If a site claims to be “not on GamStop”, that phrase does not replace the licence check or establish that the site is authorised to serve you.
The Commission is the regulator responsible for commercial gambling across Great Britain. Northern Ireland has a different legal framework, so do not assume that the same regulatory statements apply there.
A payment method cannot establish a casino’s GamStop status, licensing status or suitability. Check the regulatory record independently before opening an account or depositing, and distinguish verifiable licence information from promotional claims about Monzo or self-exclusion.
What are the deposit limits at pay-by-mobile casinos?
Boku deposits are generally limited to £30 per transaction, although some casinos or mobile networks may allow up to £40 or £50. Network-level limits are typically around £10 per transaction and £30 per day, and your mobile operator enforces daily limits; with PAYG, you also need enough remaining phone credit.
How do you deposit with Boku at an online casino?
Choose Boku in the casino cashier, enter your deposit amount and mobile number, then enter the verification code sent to your phone by SMS. Boku deposits are usually available in amounts divisible by ten, such as £10, £20 or £30.
Can a casino deny you a promotion if you deposit with Boku?
Promotion eligibility depends on the operator: some allow bonuses on pay-by-phone deposits, while Boku deposits generally do not come with specific bonuses. Check the casino’s bonus terms before depositing.
Is Boku safe to use at casinos that still accept it?
Boku requires you to verify the payment by SMS, and the charge goes to your mobile bill or is deducted from your PAYG credit. Before depositing, check that the casino holds a UK Gambling Commission licence and confirm Boku is currently available in its cashier.
How does Boku work?
You select Boku in the casino cashier, enter your mobile number and deposit amount, then confirm the payment using an SMS code. The charge is billed to your phone account or deducted from your PAYG balance; Boku is for deposits only, not withdrawals.
Payments
Prepared by the onlinecasinorealmoneyuk.com editorial staff.