Pay by mobile casino sites UK: Tested with real cash for 2026

What earns a spot on this list 📋

Obviously, the casino actually has to allow you to deposit from your mobile phone bill to be considered, but it’s also gotta be licensed by the UKGC. Sorry, no shady offshore sites allowed here. We know it seems pretty obvious that the site has to support pay by phone as a casino payment method to be considered, yet there are some lists out there that include sites that don’t even allow it. How do you work that one out? We’re not going to recommend any casinos that aren’t clear about any cheeky additional fees from the get go either.

Hands-on testing: pay by mobile casino offers genuinely worth your time

Depositing funds via pay by phone is ideal for a light £10 flutter while you’re lounging around on the sofa watching TV on a Sunday afternoon, especially if you’ve got a sore head from the night before. However, we wouldn’t make it a regular thing in all honesty due to the extra fees you usually get charged.

We’ve selected the top three mobile casinos with welcome bonuses that have a decent bit of value:

Monster Casino

MonsterCasino has a pretty decent welcome package consisting of a 100% deposit match up to £50 and 30 free spins on Big Bass Bonanza, and the site allows you to use pay by phone to claim it. Just be wary of the high 15% processing fee that gets deducted from all deposits. You’ll also need to enter the bonus code ‘30FS’ to claim it.

The site has a very decent selection of over 220 live casino games, with the real dealer games provided by big dogs like Playtech and Evolution. The slots section looks tidy as well, including the likes of Gates of Olympus, Pirots 3, and Fluffy Favourites.

⚡Pay by phone check

• £10 minimum deposit
• 15% processing fee
• Instant deposit speed
• Compatible with welcome offer ✅

What we found:

Despite there being a 15% processing fee on all pay by phone deposits, you still only need to fund your account with the minimum 10 quid needed for the welcome offer. We were a little confused about this, but we got confirmation through live chat assuring us that a £10 deposit would still work, and that the fee is only applied later.

Our expert verdict on MonsterCasino’s sign up bonus: Good🙂

We’d say that the MonsterCasino welcome package is a good offer, largely due to the combo of bonus funds and free spins. The 100% deposit match means the casino will double your bankroll from the off, giving you enough funds to test out the site. The 10x wagering requirements meet UKGC rules, and there’s a fairly lengthy 30-day expiry on the match deposit offer, giving you enough time to complete the wagering. It’s not a bad choice for players using pay by mobile, but the 15% processing fee does limit the overall value of the welcome bonus, especially if you want to max out the deposit match.

The Sun Play

Like most UK casino bonuses, you’ll typically receive some free spins on one of the Big Bass slot games. Well, The Sun Play is another sheep in the flock, as you can get up to 500 free spins on Big Bass Splash from a tenner. You can use pay by mobile to claim it, and you’re charged a flat fee of £2.50. Not too shabby.

The live casino section seemed a bit lacking in all honesty, but the main games are there, like blackjack, roulette, baccarat, and a few game shows. The slots section looked a lot better, featuring a bunch of classics most familiar to UK players, like Fishin’ Frenzy, Big Bass Bonanza, and Rainbow Riches.

⚡Pay by phone check

• £10 minimum deposit
• £2.50 transaction fee
• Instant deposit speed
• Compatible with welcome offer ✅

What we found:

The £2.50 flat transaction fee for pay by phone deposits works out well if you’re making larger deposits compared to the percentage fees in place at other sites. It works out cheaper at casinos with a 15% processing fee for any deposits of £15 or lower. For any deposits worth 20 quid or more, the £2.50 fee will give you better value overall.

Our expert verdict on The Sun Play’s sign up bonus: Fair 🫤

We’d actually rate this offer only as ‘Fair’ since the number of free spins isn’t guaranteed. While only requiring a minimum deposit of a tenner is decent, this actually means you’ll get charged more by the flat fee as opposed to a 15% fee. Even if you do manage to land the maximum 500 free spins from the offer, the max win cap is set equal to your lifetime deposits, which will only be £10 if you go with the minimum. It’s best for players to deposit a little more and hope to land a decent number of free spins to make the most of it.

Casino Kings

With a simple offer of 100 free spins on Big Bass Bonanza from a £20 deposit, Casino Kings’ welcome bonus is ideal for a quick pay by mobile deposit while you wait for the kettle to boil. However, just like with MonsterCasino, watch out for that pesky 15% processing fee.

The casino itself has a smaller, but more than adequate live casino lobby of around 100 games, with titles coming from Evolution and Playtech. Nice. If slots are more your bag, there are plenty of popular ones in stock to keep you busy, such as Starburst, Big Bass Splash, and Book of Dead.

⚡Pay by phone check

• £10 minimum deposit
• 15% processing fee
• Instant
• Compatible with welcome offer ✅

What we found:

You only need to deposit £20 to claim the welcome offer, despite the 15% processing fee. We know it feels a little confusing since the site says the fee gets deducted from the deposit itself, but we checked with an agent on live chat, Tyler, who confirmed that the fee doesn’t affect the 20 quid deposit requirement.

Our expert verdict on Casino Kings’ sign up bonus: Fair 🫤

This offer is much smaller than what’s at MonsterCasino, since you’re getting 100 free spins from 20 quid. Each free spin is worth £0.10, so it’s actually £20 for £10 worth of free spins, which isn’t great. So yeah, it’s not the best, and it comes with the same 10x wagering requirements attached to the free spins winnings. You’ll also get charged a bigger minimum transaction fee of £3 for using pay by phone compared to MonsterCasino since you’ve got to deposit 20 quid instead of a tenner.

Latest pay by mobile casinos worth checking out this month

Kong Casino has a fresh welcome offer compared to its fellow Jumpman Gaming companions. Instead of a chance of winning up to 500 free spins, Kong is giving you a 50% bonus up to £100. You can choose to deposit using pay by phone, with a minimum £10 deposit in place.

You’ll find plenty of classic UK favourites in the slots section, including the likes of Big Bass Splash, Reactoonz, and Eye of Horus. However, we couldn’t actually see any live games about, which was disappointing.

⚡Pay by phone check

• £10 minimum deposit
• £2.50 transaction fee
• Instant deposit speed
• Compatible with welcome offer ✅

What we found:

Since Kong has a flat £2.50 transaction fee when using pay by phone, and the max bonus conversion is equal to your lifetime deposits, We’d recommend depositing more than the 10 quid minimum to get more value from the offer. Say you deposit £30, you’re going to get charged the same amount regardless, and the max win cap from the bonus money will be larger.

Our expert verdict on Kong Casino’s sign up bonus: Fair 🫤

It actually guarantees the amount of bonus funds you’ll get with this offer, compared to The Sun Play’s free spins one, which may give you up to 500 if you’re lucky. If you’d rather go in knowing exactly what the deal is, Kong is the better option. It comes with the same 10x wagering requirements like all the offers on this page, so there’s not much difference in that regard. If you make a deposit bigger than the tenner minimum, you’ll get a bit of extra value out of it, but overall, the max bonus conversion is a pain to deal with to be honest.

Pay by mobile casinos with low deposit (Under £10)

To mitigate the extra fees charged when using pay by mobile casinos, it’s a good idea to save using pay by phone for low deposit casinos if you feel like having a cheeky punt off the cuff and don’t have time to dig out your bank card.

As you’ll have discovered by now, pretty much all pay by phone deposits come with additional fees. It’s a big drawback of the payment method, but sometimes players have got to pay for a bit of extra convenience.

While some sites out there require a high minimum deposit of £20, there are several decent sites that allow a minimum of £10, such as Crystal Slots, Kong Casino, and MonsterCasino.

Unfortunately, we couldn’t find any sites that support pay by phone that allow you to deposit anything under a tenner. However, there are plenty of other low deposit casinos under £10 out there, you’ll just have to use a different payment method.

Best pay by mobile slot sites

If you’ve ever seen a new, swanky slot game that you can’t wait to get your mitts on, pay by mobile is a solid choice to get involved without any delays. There’s no need to hunt around for your debit card or log into your banking app, so you can get going and try out a few new slot sites immediately. Ideal.

💡 Expert tip:

The key decision for players here is to actually pick a proper online slot casino that’s got a decent range and supports pay by mobile. You’ll want to look for sites that stock games from a range of top providers, as well as those that genuinely have high RTP games. Any with slot-specific offers is a bonus.

What is a pay by mobile casino

A pay by mobile casino (which you might also see called a deposit by mobile casino or a pay by phone bill casino) is simply an online casino that lets you deposit funds using your mobile phone account rather than a debit card, bank transfer, or e-wallet. They all refer to the exact same thing!

These types of casino deposits work by adding in your mobile phone number when you fund your account. There will be an option at the cashier page of the site (should the casino accept pay by phone), so you select this option and then enter your number where prompted. Simple!

Essentially, the payment method just adds on the money to your phone bill at the month, instead of being taken from your current balance on a pay-as-you-go phone. Yep, that’s it.

It uses Direct Carrier Billing (DCB), which basically means it connects to your mobile operator, whether that be Vodafone, EE, or O2, to then complete the transaction.

How we deposit by mobile with phone bill using our own cash

We genuinely test each casino on this list by using our own cash to make a pay by phone deposit. Here’s exactly how our testing process works:

1. Confirm pay by phone compatibility: First things first, the casino needs to actually support pay by mobile as a payment method to be recommended. We know this sounds self-explanatory, but there are plenty of review sites out there that don’t
2. Create real accounts: We sign up for a real account at the casino, verifying that pay by phone is accessible from the cashier.
3. Deposit cash using pay by mobile: The next step is to actually put in some money to fund the casino account using pay by mobile. Recording the length of the process, the key steps, and noting any transaction fees is fundamental.
4. Play slots and other games: Once the money hits the account, it’s good to have a look around the site, load up some slots, and try out some live dealer games. The only way to get a proper feel for the casino is to play afterall.
5. Test the payout process: You can’t actually withdraw money back via pay by phone, but we still like to test the withdrawal process, as it’s one of the most important factors players consider regarding the quality of an online casino.

Why you can actually trust Newcasinos.com

If telling you the step-by-step process of how we test sites wasn’t enough, well here are some of the other reasons why you can trust NewCasinos.

Firstly, we’re a no bs site. That means we’ll tell you whether a site is genuinely good or not, and won’t hide the cons. We believe that transparency is key, and will only recommend a casino after testing it out ourselves.

Some sites adhere to the sales deals it has, making out that the casino is the best thing since sliced bread. Ultimately, there are some pretty poor casinos out there, and we won’t blindside you by making out that a site is good, when the reality is that it’s not.

How pay by mobile casino deposits work

Using pay by mobile as a transaction method at a new casino is actually one of the most simple ways deposit really.

Here’s an easy step-by-step guide on how to do it in under 30 seconds:

1. Head to the cashier.
2. Select pay by phone or pay by mobile.
3. Enter your phone number.
4. Put in the verification code sent via text.
5. Select your deposit amount.

Pay As You Go vs. Pay monthly

The technicalities of using pay by mobile differ, depending on whether you use Pay As You Go (PAYG) or pay monthly. Instead of the charge being itemised and charged to your phone bill on a monthly contract, the money will be taken from your prepaid balance on your PAYG phone.

Since it is taking funds off of your prepaid balance, which you must have funded using a traditional payment method like a debit card, you are not playing with credit.

You will only be able to spend what you have previously topped on on your PAYG phone, helping control your online casino spending.

💡 Expert tip:

If you decide to make a deposit by mobile using your prepaid balance on a PAYG phone, you must also have enough money to cover the deposit and the processing fee attached.

Boku and Payforit compared at mobile casinos

Boku and Payforit use DCB so you can make mobile deposits, and are essentially the two underlying payment processors that allow you to fund your account by pay by phone.

Why are you now suddenly talking about these fellas?

When a casino says it uses pay by mobile, it’s most likely powered by either Boku or Payforit. Here’s how they compare:

Supported UK networks (and when it gets declined)

UK networks such as EE, Vodafone, O2, and Three all allow players to make online casino deposits using pay by mobile. It wouldn’t be very useful if these big players didn’t support it, as we bet most of you are on them.

Even if you’re on one of the smaller networks, like giffgaff (O2), Tesco Mobile (O2), Sky Mobile (O2), or 1pMobile (EE), you’ll be alright, as these all come under the same roof as one of the major networks.

Your pay by phone deposit may get declined if you have already exceeded the daily or monthly spending limit, working like a responsible gambling tool. Your phone network may also decline your mobile deposit if your account has not been verified as 18+ and passed age verification.

Deposit limits and fees: What’s actually true

The amount you deposit by mobile using pay by phone will appear on your mobile phone bill at the end of the month, alongside an additional charge. The amount will depend on the casino. From the examples above, it’s either 15% of the deposit or a flat fee of £2.50.

Unfortunately, using pay by mobile will almost always come with restrictive deposit limits and additional fees. Yep, it sucks, but it pays to take shortcuts. If you can’t be bothered to find your wallet, and enter your card details, you’re going to face a couple of challenges. That’s the reality of the situation, I’m afraid.

Almost all daily deposit caps sit at £30 too for pay by mobile. We know this seems quite restrictive, but at least it helps control your spending, and it works as a useful responsible gambling tool in all fairness. Monthly spend is also capped at £240 to limit high volume spending.

What shows on the phone statement when depositing by phone?

Most pay by phone deposits will appear on your phone statement under the payment processor, most likely either Boku or Payforit, and not the casino.

So don’t worry, there’s no need to think you’ve been scammed.

The amount you deposited will then show up next to the processor, which will include the processing fee charged by the casino.

The withdrawal catch: Deposit by mobile, cash out elsewhere

To receive any winnings when depositing by pay by mobile, you’ll have to add another payment method.

Sorry folks, but there’s no shortcut when it comes to withdrawals. While it may be as easy as pie to stick a tenner into your account just by putting in your phone number, you won’t actually be able to withdraw this way.

Players can still use their phone to do this to be fair, so if you prefer using the likes of Apple Pay, Google Pay, or PayPal, it will be easy enough to complete.

Real example:

One of the team tested out how this would work at MonsterCasino. The site requires a couple of extra steps since you’re withdrawing to a different payment method than you deposited with. You’ll have to send in a picture of your phone bill showing the phone number you used to deposit and your full name. Other than that, the payout process is the same as normal.

We decided to withdraw a tenner back to a Visa debit card. You need to add the additional payment method to your account since it’s not added during the deposit process when using pay by mobile. The site charges a 1% fee on all withdrawals up to £3, which we were pretty ticked off about to be honest. You’re already getting charged a processing fee for pay by phone deposits as it is, so it really does take the juice.

This confirmed to us that pay by phone isn’t exactly the most ideal payment method to use.

After receiving an email just before 11am that the casino was processing my withdrawal request, it took just over three hours for the funds to hit the account. MonsterCasino also sent a text to the phone number we used for the pay by mobile (one of our writers, Ashlee’s number) deposit confirming the payout.

KYC and verification at a pay by mobile casino

Players will still need to pass KYC checks and have their account verified, regardless of whether they fund their casino account via a mobile phone or not.

Some sites may use frictionless verification, which means you don’t have to manually submit your documents. That’s because the casino can complete background checks based on the information you provide when you sign up, such as your name and address.

If your phone number is already linked to a UK bank account, you’ll most likely be able to pass the KYC checks faster since the casino can automatically verify your info. Typically, a phone number doesn’t carry any identity data, which ultimately slows down the verification process.

If you can’t get automatically verified, you’ll need to submit the following documents:

• Proof of ID: You’ll have to send in a copy of your passport, driving licence, or ID card to verify your identity.
• Proof of address: Submitting a copy of a utility bill, council tax statement, government letter, or mortgage statement (dated within the last three months) will help confirm your address.

💡 Expert tip:

Since you won’t be able to withdraw by pay by phone, the casino typically requires an extra check before you receive a payout. This means you’ll have to send in a picture of your phone bill with the charge on it when selecting an alternative payment method.

Welcome bonuses at pay by mobile casinos: Read the fine print

It’s essential to read the fine print of all welcome bonuses before using pay by mobile since it’s commonly excluded from casino offers.

To be fair, the mobile casinos on this page are all pretty sound. We were kind of expecting at least a couple to exclude pay by phone from its welcome bonuses, but we couldn’t see any of that nonsense in the T&Cs.

For instance, if you have a look at MonsterCasino, you can see clearly in the fine print under the general T&Cs that the offer is not available if using Skrill or Neteller.

Most online casinos exclude e-wallets from its bonus offerings due to a history of bonus abuse. That basically means people would typically set up a load of fake e-wallet accounts to claim the offer several times.

It doesn’t say anywhere about excluding pay by phone so it’s in the clear, but if you’re ever unsure then just reach out to the support team for confirmation.

A casino site may exclude pay by mobile from welcome bonuses due to the additional fees that it has to absorb that are charged by the mobile networks. It essentially eats into the operator’s margins, so that’s why you may see pay by mobile unavailable at some sites.

Pay by mobile vs. alternative UK payment methods: Our honest opinion

There are several pros of using pay by phone, but we think there are better payment methods out there. To be honest, the extra fees are the main issue, and it’s easy enough nowadays to easily deposit on your phone using Apple Pay or Google Pay if you’re in a rush.

You can’t even withdraw back to your phone using pay by mobile anyway, so we reckon it’s easier just to get an e-wallet up and running.

If you’re a fan of pay by mobile and want to keep your bank details off the site, then using a prepaid balance like Paysafecard also works. Just keep in mind that this payment method is typically excluded from claiming bonuses.

UK legal rules: Why credit cards on phone bills are banned

The use of credit cards at online casinos was banned by the UKGC on the 14th April 2020. It essentially stops you from gambling with money that you don’t actually have, helping protect you from getting into debt.

It explicitly applies to mobile gambling too, so you won’t be able to use borrowed money from your phone to play at a casino. This means you can’t pay your phone bill with a credit card to pay off any deposits, or use a credit card to top up your pay-as-you-go phone for gambling.

Can a pay by mobile deposit bypass a gambling block?

If you’re blocked from gambling with GAMSTOP, then you won’t be able to make a deposit using pay by phone. That’s because you’re blocked on the operator’s side, with all UKGC-licensed casinos required to stop you from depositing.

Deposits may be hidden for up to a month, however, using pay by mobile. This means that, if you are only blocked through your bank, depositing on your phone could bypass the block.

Of course, we don’t condone bypassing a gambling block, and you should stick to the GAMSTOP block period as normal.

Support resources are available in the UK from organisations such as GambleAware and Gordon Moody.

Are pay by mobile casinos safe? Licensing and regulation

All of the sites that we list on this page are all licensed by the UKGC, meaning they are safe to use. You can double-check the licensing info on the UKGC’s public register.

Since you’re not actually sharing any banking details with the casino either, just your phone number, you’re not exposing your financial info. You’ll still need to be 18+ to make a deposit, even if you are only using your mobile.

Obviously pay by mobile comes with two-factor authentication (2FA) as well, so having to enter a code on the casino site that’s sent to your phone number means you have to manually approve each deposit.

The Phone-paid Services Authority (PSA) previously regulated the actual payment process on mobile as well, but has since been replaced by Ofcom. This means all of the charges that are made to your phone bill are overseen by a regulator, and Ofcom works with the UKGC to ensure online casino transactions are following the rules.

It basically ensures that costs are clearly shown before the deposit is made without any hidden fees and that the casino has 2FA in place.