Online Casinos That Accept SMS Deposits: How They Work

SMS casino deposits use your mobile connection to authorise a charge, which is collected through a network account rather than a bank card.

Updated October 2026
Licensed
gbAvailable in GB
Fast payouts
18+ Only
Smartphone beside casino chips and a card in a softly lit lounge.

What an SMS Casino Deposit Really Means

An SMS casino deposit is generally a Pay by Phonepayment rather than a traditional text-message transfer. You choose the payment option at a participating casino, use your mobile number to authorise the charge, and the money is taken through your mobile network account. In the UK, Boku is the name most closely associated with this arrangement.

That distinction matters. “Casinos pay by SMS” sounds as if you are sending a text to another person, but the text is normally part of the authorisation process. Boku uses your phone connection to confirm that you approve the payment. The casino receives the deposit, while the charge is passed to your mobile network operator.

I used to read “pay by SMS” as a sort of miniature bank transfer. It is not. No bank card is being moved through the process, and Boku does not act as a casino wallet where winnings can later be held. It is a way to fund the gambling account.

How Boku charges the payment

The way the money is collected depends on your mobile plan:

For PAYG users, an unsuccessful payment can simply mean there is not enough remaining credit to cover it. The casino account may be ready to accept a deposit, but the mobile account still has to approve the charge. That is an easy detail to overlook when you are focused on the cashier rather than the phone plan.

Boku lets customers pay without entering card details or using a bank account for that deposit. That can be useful if you prefer to keep casino payments separate from your main banking, or if you want the charge recorded on the mobile bill. It does not make the payment anonymous: the casino and payment provider still handle the transaction, and the mobile number is part of the authorisation.

A Boku deposit is also not the same thing as paying for a premium text service. The casino is the merchant receiving the gambling deposit; your network operator is the party collecting the charge from your bill or prepaid balance.

What “SMS casino” means in practice

People use several descriptions for the same general idea: casinos with Pay by Phone, online casinos that accept a phone deposit, or casino sites that accept payment by SMS. In Britain, the useful question is whether the casino cashier currently offers Boku or another supported mobile-payment service.

That last word is important: currently. A casino may have accepted Boku in the past and no longer show it to new or existing customers. A small number of UK Gambling Commission-licensed casinos still accept Boku deposits, but availability has been shrinking since 2023. The payment logo may disappear, or an operator may replace direct Boku payments with another phone-based service.

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A specialist review has described operators moving away from Boku towards Fonix, Siru Mobile, or no Pay by Phone option at all since 2023. Treat that as a moving market rather than a permanent directory. The existence of a page mentioning Boku does not prove that Boku is still visible in the cashier when you register.

This is why the phrase “casinos with pay by SMS UK” can be slightly misleading. It suggests a stable category, when the actual choice depends on the operator’s current payment arrangements, your mobile network, and the account presented to you. One person may see Boku while another sees different payment methods, particularly after an operator changes its cashier.

What Boku is not

Boku is not a withdrawal route. It is a deposit-only method, so casino winnings cannot be paid back to the mobile bill or prepaid balance through Boku. You need another way to receive funds if you win. That might be a bank transfer, card, or suitable e-wallet, depending on what the casino supports.

It is also not a licence or a guarantee about the casino itself. Boku only describes how money reaches the gambling account. The operator still needs the appropriate UK Gambling Commission licence to offer online gambling legally to customers in Great Britain. Checking the casino’s current licence on the Commission’s public register is therefore separate from checking whether its cashier shows Pay by Phone.

Withdrawal Limitation

Boku is a deposit-only method; you cannot use it to withdraw your casino winnings back to your mobile account.

Finally, Pay by Phone does not remove the normal account checks. The casino must verify your age before allowing you to deposit, and a UK-licensed operator must provide gambling controls such as account-level financial limits and self-exclusion. The phone payment changes the funding route, not the obligations around the gambling account.

So, when you see an offer of a “quick SMS deposit”, strip away the advertising language. It means a mobile-network charge, most often through Boku, confirmed using your phone and settled either on a monthly bill or from PAYG credit. Useful, sometimes. A complete casino payment solution? Not quite.

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How to Pay by Phone Without Getting Caught Out

Once Boku appears in the casino cashier, the payment itself is fairly direct. I say “fairly” because the traps are not in the buttons; they are in the amount you choose, the phone number you enter and the limits sitting on your mobile account.

First, open the casino’s deposit page and select Boku or the Pay by Phone option. Enter the amount offered by the cashier, then provide your mobile number. Boku sends a verification message to that number. Enter the code from the SMS when prompted, and the payment request is passed to your mobile network. The casino account is then credited after the transaction is approved.

That phone number matters. It is not just a contact detail for the casino. Boku uses it to identify the mobile account that will carry the charge, so entering another number will not magically move the payment elsewhere. I once rushed through a mobile payment and treated the number field like an afterthought. It was the only part worth checking twice.

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Choose the amount the cashier actually supports

Boku does not work like a card payment where you type any figure you fancy. Deposits are available in amounts divisible by ten, such as £10, £20 or £30. If the cashier presents fixed buttons, use one of those rather than trying to enter an amount between them.

The amount shown at the casino and the amount your network will approve are connected, but they are not the same limit. A cashier may display an amount that is technically available at the operator while your mobile account has already reached its own allowance. That is why a failed payment does not automatically mean the casino has rejected Boku.

The standard UK limit is reported as £30 per transaction in a specialist review, although that same type of source says some casinos and network operators may permit £40 or £50. Treat those higher figures as a condition that must be confirmed at the point of payment, not as an entitlement. The available amount can depend on the operator and the mobile network.

There is also a separate version of the figures. Some material describes Boku as limited to about £10 per transaction and £30 per day at network level. Other material gives £30 per day without specifying a per-transaction ceiling. Those descriptions disagree, so I would not build a deposit plan around one universal table. The cashier may show one ceiling, while the network applies another.

Transaction limit versus daily network limit

This distinction is the bit most likely to cause confusion.

A transaction limit applies to one payment request. If the permitted ceiling is reached, you cannot make that individual deposit larger, even if you have not used the service that day.

Transaction vs Daily Limits

While a transaction limit applies to a single deposit request, a daily network limit applies to the total combined Boku activity allowed by your mobile operator during a specific period.

A daily network limit applies to the combined Boku activity allowed by the mobile operator during the relevant period. You might be able to make a payment that fits the casino’s cashier, yet still receive a decline because earlier Boku payments have used the network allowance.

The daily control is attributed to the mobile operator rather than the casino in a specialist review. In practical terms, the casino can offer Boku and submit the request, but it cannot override a restriction attached to your phone account. Repeatedly pressing the deposit button will not help if the network has stopped further charges.

This is also why two players can see different results at the same casino. Their networks, account histories or available mobile credit may not be identical. The payment method has several gates: the casino must support it, the selected amount must fit the cashier, the mobile number must be accepted, and the network must approve the charge.

The confirmation step

After you submit the number and amount, wait for the SMS rather than closing the cashier immediately. The message contains the verification code needed to authorise the request. Enter it exactly as shown. If the code is delayed, requesting several new codes can leave you unsure which message is current, so give the process a moment and use the latest valid instruction displayed by Boku.

Check the message before confirming. It should relate to the payment you intended to make. A phone-funded casino deposit is still real money, even when the process feels closer to authorising a text service than using a bank card.

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If the transaction fails, check the selected amount, the phone number and whether your mobile account has reached its daily allowance. A decline can also follow when the chosen amount is outside the increments offered by Boku. Do not assume that changing casinos will solve a network-level restriction.

Finally, keep the confirmation screen or transaction record until the balance updates. Boku is designed for deposits, not withdrawals, so this step only funds the casino account. It does not create a route for sending casino funds back to the phone. Small detail. Important one.

What Makes a Pay-by-Phone Casino Worth Considering

I do not use “best” as a useful label on its own. It often means a casino has been placed near the top of a comparison page, not that it suits the way you want to deposit, play or withdraw. With Pay by Phone, the sensible test is narrower: can you use the payment method, is the casino properly licensed for Great Britain, and will the rest of the account work when you want your money back?

Start with the licence

A casino serving consumers in Great Britain must hold an operating licence from the UK Gambling Commission, regardless of where its technical equipment or business offices are located. The Commission regulates commercial gambling in Great Britain and issues operating licences to businesses, while personal licences apply to individuals working in relevant gambling roles.

That gives you a concrete check rather than a marketing promise. Look up the operator on the UK Gambling Commission’s public register and confirm that the licence is current before depositing. I have learned not to treat a badge in a footer as proof. A badge is a claim; the register is the check.

License Check

A badge in a website footer is merely a claim; always verify an operator’s status using the UK Gambling Commission’s public register.

This matters even when you are only interested in a small deposit. Pay by Phone does not change the operator’s responsibilities. A licensed casino still has to operate within the British regulatory framework, and the payment option should be available within that regulated account rather than presented as a shortcut around normal checks.

Confirm that Boku is actually available

A casino may mention mobile payments somewhere in an old review, while the cashier offers nothing of the sort when you register. Payment menus change, so I would check the cashier or the operator’s current payment information before deciding that a site accepts Boku.

The wording matters as well. “Mobile payments” can cover services other than Boku, and a casino that accepts one Pay by Phone service may not accept another. If Boku is the method you need, look for Boku specifically. Do not assume that a familiar operator name guarantees that the option remains active.

There is also a practical reason to avoid choosing from a supposed list of “top” casinos. A ranking can tell you which sites somebody preferred, but it cannot confirm that Boku appears for your account, network or location at the moment you try to deposit. The cashier is the more useful source.

Treat withdrawals as a separate decision

The biggest catch is simple: Boku is for deposits only. You cannot send casino winnings back to Boku. That means a casino is not suitable merely because it accepts your phone-funded deposit. You also need a withdrawal route that the operator supports and that you can complete.

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Before putting money in, check the casino’s available withdrawal methods and make sure you have an alternative method registered where required. The important question is not whether the deposit feels easy; it is whether you can withdraw without discovering later that the payment method only works in one direction.

I would also check whether the casino requires withdrawals to be made through a method in your own name and whether account verification applies before funds are released. Those are account conditions, not Boku features, so read the operator’s payment information rather than expecting the phone service to handle cashout.

Deposit first, investigate withdrawal later — that is the mistake I would avoid.

Read the bonus terms before accepting anything

Pay-by-phone deposits do not have one universal bonus treatment. Eligibility depends on the operator and the particular promotion. A casino can accept Boku while excluding Boku-funded deposits from its welcome offer, deposit match or free spins.

A specialist review has reported that MrQ, Duelz, Mr Vegas and Videoslots accept pay-by-phone deposits for bonus eligibility. That is useful as a lead, but it is not a permanent guarantee. Promotions and payment rules can change, so the current terms on the operator’s own site should decide what you do.

The same caution applies to reports that Boku deposits generally carry no special bonus restrictions. Such a description may reflect the platforms examined at the time, not every casino using Boku now. I would look for the payment-method exclusions in the bonus terms and check whether the deposit must be made with a specific method to qualify.

Do not confuse two different questions:

One can be yes while the other is no. “Eligible” is the word worth finding.

Compare the account, not the slogan

Once licensing, payment availability, withdrawals and bonus rules are clear, the remaining choice becomes more ordinary. Consider whether the casino’s terms are readable, whether the cashier shows Boku for your account, and whether the withdrawal route makes sense for you. A neat payment option cannot compensate for an account arrangement you do not understand.

I also prefer operators that explain restrictions plainly. If the bonus page hides payment exclusions or the withdrawal information is difficult to locate, I take that as a reason to slow down. I am not looking for a dramatic “best” winner. I am looking for a licensed casino where the deposit method works, the promotion says what it means, and the exit route is already clear.

That is a much less exciting standard. It is also the one that matters.

Essential Summary

Using SMS Deposits at the Casino Cashier

The useful test is simple: can the payment pass when you actually try it? A Pay by Phone option may appear in a casino cashier, yet the transaction can still fail because of the phone account behind it. With Boku, the cashier is only one part of the chain. The casino requests the deposit, Boku checks the mobile number, and the network decides whether the account can carry the charge.

At the cashier, you choose Boku as the payment method, select an available deposit amount, enter your mobile number and confirm the request with the code sent by text message. The balance is then credited to the casino account when the payment is approved. That is the practical meaning of a casino deposit with SMS: the text verifies the phone payment; it is not a message sent to the casino in place of a normal cashier transaction.

What can stop the payment?

The first check is your mobile account. A contract customer may have a remaining allowance for chargeable services, while a PAYG customer has an actual prepaid balance. If you use PAYG, a Boku payment cannot exceed the credit left on the phone. This point came from a specialist review, so I would treat it as a condition to verify with your network rather than as a permanent rule for every account.

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That is where I once made the wrong assumption. I had enough money in the casino account and assumed the deposit would come from there. It does not. Boku charges the mobile account, so the relevant balance is on the phone. A low PAYG balance can reject a payment even when the casino cashier is working normally.

A contract account can also have restrictions set by the mobile operator. The network may block chargeable content or impose an account-level spending control. In that situation, changing the casino or reopening the cashier will not help. The refusal comes from the phone account.

The daily limit is not the casino’s limit

A casino can show its own deposit controls, but Boku’s daily allowance is applied by the mobile operator. This distinction matters when you are trying to work out why a payment failed. A specialist review attributes the daily Boku limit to the network rather than the casino; because network conditions can change, check the current terms for your provider and account.

Verification Checklist

You may therefore see a payment option in the cashier and still be unable to use it that day. The operator can reject the request after checking your previous mobile-payment activity. A casino support agent may confirm that Boku is available, but may not be able to remove a network limit.

The transaction limit is a separate question. Boku deposits are offered only in the amounts displayed by the cashier, and the available choices can differ between operators. The network’s daily control applies across the relevant phone account, not just to one casino. Splitting a rejected payment into several smaller attempts is not a reliable workaround, because those attempts can still count towards the operator’s daily allowance.

A quick check before pressing confirm

Before making a casino deposit with SMS in the UK, I would check three things:

If the code does not arrive, that is a verification problem rather than proof that the casino has taken your money. If the payment is declined, check the phone account before repeatedly submitting the cashier form. Repeated attempts do not create extra balance and may leave you less clear about which limit caused the refusal.

There is one further practical point. A phone-funded deposit does not create a phone-funded cashout route. Boku is for deposits, not withdrawals, so an SMS withdrawal casino is not what this payment method provides. Have an alternative withdrawal method registered with the casino before depositing, otherwise a successful payment can leave you with winnings but no matching way to request them. That is an avoidable mess.

Why the Remaining Boku Options Are Harder to Find

Finding a UK online casino that still accepts Boku takes more checking than it once did. A small number of UK Gambling Commission-licensed casinos continue to offer it, but the available list has been shrinking since 2023. A page that mentions Boku may be outdated, and a cashier can tell a different story from the operator’s general payment information.

That is why I would not treat a “top SMS casino” label as much more than a starting point. The useful question is whether Boku appears in the live cashier for your account, not whether an old comparison page still lists it. Payment menus change quietly, sometimes without the fuss that accompanies a new bonus or a redesigned games lobby.

Why operators moved away

The UK Gambling Commission did not introduce a rule banning Boku by name. The change came from individual operators deciding that the compliance risk was not worth keeping the method. That distinction matters: Boku was not removed from every casino by one blanket prohibition.

Since 2023, operator choices have generally gone in one of three directions:

The shift explains why searches for SMS casino sites UK can produce a mixture of current pages, recycled reviews and casinos that no longer show the method. It also means two brands under the same broad market umbrella may handle phone payments very differently.

I have fallen for this before: seeing a familiar Boku logo in a payment guide and assuming it would be waiting in the cashier. It was not. The logo had simply outlived the payment option.

What the shrinking list means

Direct Boku is now a narrower part of the market rather than a default cashier choice. A site may be licensed, available to British customers and otherwise suitable, yet still offer no Boku route. Another may show a mobile payment service, but not Boku itself.

So when you are comparing online casino sites that accept SMS deposits, separate the old method from the broader idea of paying by phone. “Pay by mobile” can refer to a current alternative rather than direct Boku, while some operators have removed both.

Boku

Direct mobile-network charging, often involving a verification SMS.

Fonix

An alternative Pay by Phone service used by some UK operators.

Siru Mobile

Another mobile-payment route available at selected casinos.

There is no reliable promise hidden in a “top online casino UK” badge. Check the operator’s current payment page and, more importantly, the cashier after registration. That is where the remaining options reveal themselves. Small market, moving target.

Phone-Bill Charges, PAYG Credit and the Catch at Cashout

A Boku deposit does not leave your bank account in the usual way. It follows the billing arrangement attached to your mobile number. With a contract phone, the casino payment is passed to your network and appears as a charge on your monthly mobile bill. That is the basic setup behind an SMS billing casino in the UK: the phone account becomes the payment route.

With PAYG, there is no monthly invoice waiting at the end of the billing period. The deposit comes out of your available prepaid balance instead. If that balance cannot cover the payment, the transaction is declined. I once treated a PAYG phone like a spare wallet and only noticed the problem after the cashier rejected the deposit. The money was not missing; there simply was not enough credit attached to the number.

That difference matters when you are looking at casino SMS billing or trying to fund SMS billing slots. A contract customer needs to remember that gambling spend will sit alongside other mobile charges. A PAYG customer needs enough credit before attempting the payment. In both cases, the charge is connected to the phone account rather than a card or bank transfer.

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The awkward part comes when you win.

Boku is for deposits only. You cannot send casino winnings back to the same mobile bill, and you cannot withdraw them to PAYG credit. The payment route works in one direction: money moves from the phone account into the gambling balance, but not back again. Calling it an “all-in-one” payment option would be misleading.

Before depositing, register another withdrawal method with the casino. That could be a debit card, an e-wallet or a bank transfer, provided the operator supports it and the account details pass its checks. Do this first, not after a win when you are impatient to cash out. The casino may also require the alternative method to be verified before releasing funds.

So the sensible way to view an SMS bill casino is as a funding tool, not a complete banking solution. Your phone bill or prepaid credit can cover the deposit, while a separate method handles withdrawals. Small detail. Big difference.

Depositing by SMS from Your Mobile

A mobile casino SMS deposit is less complicated than the name suggests. You choose the phone-payment option in the casino cashier, enter the amount you want to add and provide your mobile number. The payment service then sends a text containing a verification code. Enter that code where requested, and the deposit can be authorised against your phone account.

Deposit Process

Step 1: Select method

Choose Boku or Pay by Phone in the casino cashier.

Step 2: Enter details

Provide your mobile number and the desired deposit amount.

Step 3: Verify via SMS

Enter the verification code sent to your handset to authorise the charge.

That text is the important security step. It links the payment request to the handset and number you entered, rather than relying on a card number or bank login. I still check the number before confirming, because a mistyped digit can send the verification message somewhere else and leave the payment unfinished. Small mistake, irritating delay.

Boku follows this pattern. At the cashier, select Boku, choose the available deposit amount, type in your mobile number and wait for the SMS. Once the code arrives, enter it in the verification field. The casino account is then credited when the transaction is approved. In other words, the phone is used both to identify the payment route and to confirm that you control the number.

The exact option shown on a UK casino’s cashier depends on the mobile-payment service it supports. Pay by mobile and Fonix work through the four main participating networks: EE, O2, Vodafone and Three. That does not mean every service appears for every customer on every operator. The casino, payment provider and mobile network all have to support the particular route.

This is why a phone-bill SMS casino deposit can be available to one player but absent from another player’s cashier. Your network may be supported for one service while the operator offers a different service, or the payment option may not be enabled for that account. The useful check is practical: select the payment section, look for the named mobile option and see whether your network and number are accepted.

You need access to the handset during the transaction. Without the verification text, the deposit cannot be confirmed through this route. A mobile casino top-up by SMS is therefore a phone-based payment with a text confirmation, not a message sent directly to the casino asking it to add funds.

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SMS Deposits and Online Slots: The Limits to Keep in Mind

Paying into a casino by phone does not change how the slot itself operates. The deposit method only puts money into your casino balance. Once you open a game, the rules for online slots in Britain still apply, whether the balance came from Boku, another Pay by Phone service, a card alternative or an e-wallet.

The first thing that catches people out is autoplay. It is banned for online slots in Britain, so you cannot set a game running and let it complete spins automatically while you sit back. Each spin has to be started by you. That makes a phone-funded session less hands-off than some old casino interfaces suggested.

The second rule concerns the speed of play. Every online slot spin must last at least 2.5 seconds. This is a gameplay requirement, not a delay added by the payment provider. If you deposit through an SMS casino site and the reels take time to complete, that timing is part of the British rules for slots rather than a problem with the mobile transaction.

I used to lump every restriction together as a “payment limit”, which was a lazy mistake. They are separate:

That distinction matters when you are looking at SMS deposit slots in the UK. A small Pay by Phone deposit does not let you bypass the slot rules, and a casino accepting phone-funded deposits does not mean it can offer unrestricted autoplay or faster spins.

Your age and the operator’s checks still matter as well. A licensed casino must verify your age before allowing you to deposit, and online gambling for adults in Britain is tied to operators holding the required UK Gambling Commission licence. So treat “SMS slots” as a payment description, not a special category of games. The phone handles the funding; the slot remains subject to the same rules.

Other Ways to Fund a Casino Account by Phone

Boku is no longer the only name that appears when you look for a casino SMS payment in the UK. Since 2023, operators have been moving away from direct Boku deposits. Some have replaced it with another Pay by Phone service, while others have removed phone-funded deposits altogether. A specialist review describes that change, but payment menus can change, so I would still check the cashier before registering with a particular casino.

Do

Don’t

Fonix is one alternative. MrQ and Duelz are reported to accept Fonix, giving customers a way to charge a deposit through a participating mobile account rather than entering card details. Siru Mobile is another route. Mr Vegas and Videoslots are reported to support it. These are not interchangeable labels: seeing Fonix listed does not mean Siru Mobile will also be available, and the reverse is true.

That matters if you are looking for an online casino SMS payment UK players can actually use. The operator, the mobile network and the payment provider all have to line up. Even when a casino advertises Pay by Phone, the option may not appear for every customer or network. My old mistake was treating the payment logo as proof that the method was ready to use. The cashier is the better test.

There is also a less direct route involving Neteller. Players can fund Neteller with Boku, then use Neteller at a casino that accepts Neteller deposits. That is not the same as paying the casino directly by SMS; Neteller becomes the payment layer between your phone-funded balance and the gambling account. It can widen the number of casinos you can consider, but it also means checking Neteller’s own availability and the casino’s accepted methods.

None of these routes changes Boku’s basic limitation: it is for deposits, not withdrawals. Keep that separate in your planning. A casino SMS payment may get money into the account, but it does not create a phone-based cashout method.

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Bonuses, Limits and the Small Print Before You Deposit

A Pay by Phone deposit can look attractive until the bonus terms change the maths. Eligibility is not uniform: one operator may count a Boku payment towards its welcome offer, while another may exclude it completely. A specialist review identifies MrQ, Duelz, Mr Vegas and Videoslots as operators where pay-by-phone deposits are confirmed as bonus-eligible, but that is still something to recheck in the cashier and promotion terms before paying.

The headline offer is not the whole offer either. A typical UK welcome promotion described in specialist casino material is a 100% match up to £100 with a 35x wagering requirement. That does not mean the same terms apply to every casino, or that a Boku-funded deposit qualifies. Bonus funds may expire after 30 days, while bonus spins may expire after 72 hours. Miss those windows and the apparent extra value can disappear.

The payment limit has its own small print. The mobile network operator, rather than the casino, enforces the daily Boku limit, according to a specialist review. So a casino cashier showing an available deposit option does not guarantee that the phone account will authorise another payment. The operator’s limit, your account status and the casino’s own controls can all matter.

Before committing money, I would check four things:

That takes a minute. It can save an expensive misunderstanding.

What are the deposit limits at pay by mobile casinos?

Boku’s standard UK limit is £30 per transaction, although some casinos or mobile operators may allow £40 or £50. Network-level limits are typically about £10 per transaction and £30 per day, and your PAYG deposit cannot exceed your remaining phone credit.

How to deposit with Boku at online casinos?

Select Boku in the casino cashier, enter an available deposit amount and your mobile number, then confirm the payment using the SMS verification code. The charge is taken from your mobile bill or PAYG credit.

Are Boku deposits eligible for casino bonuses?

Boku deposits generally do not come with specific bonuses, but eligibility varies by casino. Check the bonus terms at the operator you use.

What is the standard Boku deposit limit in the UK?

The standard limit is £30 per transaction, though some casinos or mobile operators may permit up to £40 or £50.

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