Check the payment route before you deposit

Updated October 2026
Licensed
usAvailable in US
Fast payouts
18+ Only

Learn how phone-bill deposits are verified, what can affect eligibility, and why Boku is a deposit method rather than a withdrawal route.

Young UK player making a mobile Boku deposit on smartphone in a modern apartment

Boku Deposits: What Happens at the Cashier

A Boku deposit starts in the casino’s cashier, not in a separate banking screen. The payment option is selected there, followed by entry of the deposit amount and the mobile number used for the transaction. Boku then sends an SMS verification code, which must be entered to confirm the payment. The sequence is short, but each step has a distinct purpose: choosing the method identifies the route, the amount sets the requested deposit, the phone number directs the verification message, and the code authorises the transaction.

The first check is whether Boku appears among the cashier’s available deposit methods. A casino may accept other Pay by Phone services without offering Boku, so the payment name shown in the cashier matters. If Boku is available, selecting it should lead to the amount and phone-number fields. The cashier is the point at which the method and the requested deposit are brought together; a general statement that a casino accepts mobile payments is not enough to establish that Boku is available for that account.

If you’re looking for a UK casino that accepts Boku, check the payment options and terms directly before choosing. The details below provide the payout-speed information available for each listed operator.

  1. Britsino

    Payout speed
    1-3 business days

    Britsino’s stated payout speed is 1–3 business days. The available information does not confirm whether it accepts Boku.

  2. Amunbet

    Payout speed
    1-3 business days

    Amunbet’s stated payout speed is 1–3 business days. The available information does not confirm whether it accepts Boku.

  3. Dieselwin

    Payout speed
    1-3 business days

    Dieselwin’s stated payout speed is 1–3 business days. The available information does not confirm whether it accepts Boku.

  4. BeOnBet

    Payout speed
    1-3 business days

    BeOnBet’s stated payout speed is 1–3 business days. The available information does not confirm whether it accepts Boku.

  5. Jetsetspins

    Payout speed
    1-3 business days

    Jetsetspins’ stated payout speed is 1–3 business days. The available information does not confirm whether it accepts Boku.

  6. SpinFormula

    Payout speed
    1-3 business days

    SpinFormula’s stated payout speed is 1–3 business days. The available information does not confirm whether it accepts Boku.

  7. Revery Play

    Payout speed
    1-3 business days

    Revery Play’s stated payout speed is 1–3 business days. The available information does not confirm whether it accepts Boku.

  8. WinBeast

    Payout speed
    1-3 business days

    WinBeast’s stated payout speed is 1–3 business days. The available information does not confirm whether it accepts Boku.

  9. Chanze

    Payout speed
    1-3 business days

    Chanze’s stated payout speed is 1–3 business days. The available information does not confirm whether it accepts Boku.

  10. Zombillion

    Payout speed
    1-3 business days

    Zombillion’s stated payout speed is 1–3 business days. The available information does not confirm whether it accepts Boku.

The amount field is not necessarily open-entry in the way a bank transfer field might be. A specialist review describes Boku deposits as restricted to amounts divisible by ten, giving £10, £20 and £30 as examples. That is a report about the payment setup it reviewed, not a permanent rule for every casino or every current cashier. The available choices displayed during the transaction are therefore more useful than assuming that any amount can be typed in. If the cashier presents set amounts, the deposit has to match one of those options; if it provides an entry field, the amount still needs to be accepted by the payment flow.

Once the amount has been entered, the next required detail is the mobile number. It is used to connect the casino transaction with the SMS confirmation. Accuracy matters at this point: a verification code sent to a different number cannot confirm the intended payment. The number entered should therefore be the one associated with the phone receiving the message, rather than a contact number chosen simply because it is available on the account.

The SMS code is the final confirmation step described for a Boku deposit. Receiving the message does not, by itself, complete the transaction: the code must be supplied in the cashier’s verification step. Until that confirmation is made, the payment has not passed through the full sequence. This makes Boku different from a deposit flow in which selecting a saved payment method and clicking once is sufficient. The phone is part of the authorisation process, not merely a place to receive a casino notification.

A practical way to read the cashier is as a series of checks rather than one general “deposit” action. First, Boku must be present as a named option. Next, the amount shown or entered must be accepted. The phone number then has to be supplied, and the SMS code must be entered to confirm. Each stage depends on the previous one: a correct code cannot resolve an incorrect amount, and the right amount cannot complete the process if the verification step is unfinished.

This sequence also helps distinguish a Boku payment from other services described broadly as Pay by Phone. The wording in the cashier identifies the route actually being offered. Where Boku is named, the stated flow is amount, mobile number and SMS code; where a different provider is named, it should not be treated as Boku merely because both methods use a phone. For a casino selected specifically for Boku, the live cashier is the relevant place to verify that the option remains available.

The transaction should be treated as complete only after the confirmation stage has been carried out. The key details to keep consistent are the Boku option selected, the amount accepted by the cashier, the mobile number entered and the verification code received by SMS. This is the full operational sequence: choose Boku, specify the deposit, identify the phone and confirm with the code. It does not require a card or bank-account entry as part of the stated Boku flow; the mobile number and SMS confirmation are its defining cashier steps.

Boku Deposit Process

  1. 1

    Selection

    Choose Boku among the available deposit methods in the casino cashier.

  2. 2

    Details

    Enter the requested deposit amount and the mobile phone number associated with the account.

  3. 3

    Verification

    Receive the SMS verification code on the mobile phone and enter it into the cashier to authorise the transaction.

Which Casino Deposits Still Use Boku

Yes, some online casinos serving the UK still offer direct Boku deposits, but the choice is limited. Specialist casino reviews describe a small, identifiable group of UKGC-licensed sites that retain the option; they do not support treating Boku as a standard cashier feature across the market. Availability has also declined since 2023.

Jackpot Mobile Casino and Peachy Games have been identified in specialist reviews as examples of casinos in the remaining direct-Boku group. These are examples, not a ranked shortlist or a guarantee that the payment option is available to every account. Cashier options can change, so a name in a review is a starting point for checking, not confirmation of what a casino currently accepts.

The broader direction is away from Boku. Specialist payment-method reviews report that, since 2023, some operators have replaced it with Fonix or Siru Mobile, while others have removed Pay by Phone options altogether. That change means a casino can still advertise mobile payments without offering Boku specifically. The payment label matters: “Pay by Phone” describes a broader category, whereas Boku is one particular service.

The practical answer to whether Boku can be used at a UK online casino is therefore yes, but only where the operator’s current cashier explicitly lists Boku. A casino’s general description of mobile payments, an older review, or a previous account experience is not enough to establish current availability. The cashier is the relevant check before a deposit is planned.

“Best” is not a useful measure on its own for this payment method. A larger casino or a prominent brand may not retain Boku, and a site that accepts Boku is not automatically suitable on other terms. The relevant distinction is whether Boku is directly available at the operator, not whether another mobile-payment service appears in its cashier.

Boku availability also does not establish a casino’s regulatory status. The remaining options should be considered only among operators holding the appropriate UK Gambling Commission licence; the presence of a payment brand is not evidence of a licence. The payment list and the regulator’s register answer different questions.

In short, Boku has not disappeared from UK casino cashiers, but it is no longer broadly available. The market picture is a shrinking set of direct-Boku options alongside operators that have switched providers or dropped Pay by Phone. Current cashier confirmation is essential before relying on any casino being able to take a Boku deposit.

Phone-Bill Charges, Supported Networks and PAYG Balance

A Boku payment uses the mobile account as its funding source. For a contract customer, the deposit is charged to the phone bill; for a PAYG customer, it is taken from prepaid credit. The casino account receives a deposit, while the cost is collected through the mobile service. That makes Boku different from paying by debit card: the charge does not come directly from a bank account or card balance.

For contract plans, the Boku amount appears as a charge associated with the mobile account and is payable through the bill. The phone provider is therefore part of the payment chain, even though the deposit is made through a casino. A mobile phone is required, and Boku can be used without entering card or bank-account details. Whether an online casino accepts Boku remains a separate question: a network’s support for phone payments does not, by itself, mean that every casino offers Boku in its cashier.

PAYG works from the available credit rather than a later bill. A specialist review describes the practical constraint this way: a Boku payment cannot exceed the remaining prepaid balance. If that balance is insufficient, the requested charge cannot be covered from the phone account. The same distinction applies when comparing Boku casinos and other mobile payment options: the funding source is either a monthly mobile bill or existing PAYG credit, not a shared pool of money across payment types.

EE, O2, Vodafone and Three are named as networks supporting Pay by Phone and Fonix. This identifies mobile networks associated with those services; it should not be treated as a guarantee that direct Boku is available with every network, casino or account type. The payment option shown by a casino and the phone plan’s ability to accept the charge are separate conditions. A mobile casino can offer a phone-based payment route while the exact service and billing treatment still depend on what appears in its cashier.

The wording “Boku card” can also give the wrong impression. Boku is not a card product: its charge is routed through the mobile account. Searching for casinos accepting Boku payments may bring up services that use phone billing more broadly, but the relevant detail is whether the casino identifies Boku itself and whether the mobile account can fund the charge. A supported network alone does not settle either point.

The distinction matters most for PAYG users, whose available credit is the immediate source of funds. Contract users instead have the charge placed on the mobile bill. In both cases, Boku links a casino deposit to the phone account, rather than converting the phone into a debit card. The remaining balance or bill is where the cost lands; it is not a separate casino wallet.

Boku Deposits, Casino Bonuses and Slot Terms

A Boku payment does not automatically qualify for a casino bonus. Eligibility is set by the operator’s offer terms, so a deposit can reach the account without triggering a welcome promotion. The distinction is financial, not cosmetic: if the payment method is excluded, the bonus value is zero even when the deposit itself succeeds.

Pay-by-phone deposits are commonly excluded from welcome offers, making the terms worth checking before a deposit is made. Eligibility can differ between operators and between promotions at the same casino. A specialist review reports that MrQ, Duelz, Mr Vegas and Videoslots accept Pay by Phone deposits for bonus eligibility. That is a report about those operators and the offers assessed, not a standing rule for every promotion or a guarantee that the position has not changed.

A separate specialist review found no Boku-specific deposit restrictions on the platforms it assessed, and no dedicated bonus attached to Boku deposits. These findings do not mean that every Boku payment qualifies for every offer. A casino can accept Boku as a funding method while excluding it from a particular welcome bonus, reload offer or free-spins promotion. The payment option and the promotion have separate terms; the latter decides whether a bonus is awarded.

What a match offer is worth

A specialist review describes a welcome offer with a deposit match of 100% capped at £100 and wagering set at 35 times. That is one reported offer structure, not a market-wide standard. The cap matters: once the qualifying deposit reaches the point at which the maximum match is reached, adding more money does not increase the bonus. The wagering condition then determines how much qualifying play is required before bonus-related funds can be withdrawn, subject to the operator’s rules.

The headline percentage therefore does not establish the cash value of an offer. The deposit cap, eligibility of the chosen payment method, wagering basis and restrictions on play all affect the calculation. If a Boku deposit is excluded, the advertised match cannot be treated as part of the return on that deposit. If it is included, the wagering requirement still applies. The bonus is conditional value, not an immediate addition to withdrawable balance.

Terms also need to specify which funds count towards wagering. A requirement may be attached to bonus funds, or an offer may define another basis; the wording of the promotion controls. The stated multiple alone is not enough to calculate the required play without knowing that basis. Treating the headline figure as a cash equivalent would omit the condition that gives it its cost.

Expiry changes the calculation

Expiry dates put a time condition on bonus value. A specialist review reports bonus funds expiring within 30 days and bonus spins within 72 hours. Those periods should be treated as terms of the offers assessed, rather than universal deadlines for every UK casino. The live promotion’s rules determine the applicable expiry.

A bonus that expires before its wagering conditions are met may have no practical value, regardless of its headline size. The same applies to spins that lapse before they are used. The relevant comparison is between the conditions and the time available to satisfy them, not simply between the advertised bonus amounts. Where the terms allow funds or spins to expire separately, each deadline affects a different part of the offer.

Slot play can also be subject to offer-specific rules. A promotion may define which games count towards wagering, or whether different games contribute at different rates. No particular slot should be assumed to qualify just because it is available in the casino. The offer’s contribution rules determine whether play moves the wagering condition forward; the game catalogue alone does not.

Separating the deposit from the promotion

For casinos offering Boku deposits, three questions should be kept distinct: whether Boku is accepted for the deposit, whether that deposit qualifies for the chosen offer, and what conditions govern the bonus once awarded. A positive answer to the first question settles neither of the others. A bonus can be available to an account but unavailable with a particular payment method, or available only under conditions that limit its practical value.

This distinction also applies to searches for casinos where Boku can be used alongside slots or a welcome offer. A cashier listing confirms a deposit route, not the bonus treatment of that route or the contribution rules for slot play. Those details belong to the promotion’s terms and can change independently of the payment method.

Do

  • Check if Boku is accepted for the specific offer
  • Review wagering conditions and bonus expiry
  • Verify game contribution rules for slots

Don't

  • Assume a Boku deposit automatically qualifies for a bonus
  • Treat the headline bonus percentage as immediate cash
  • Ignore payment-specific exclusions in the terms

The financially relevant figure is therefore not the advertised bonus in isolation. It is the amount actually awarded after payment eligibility is applied, adjusted for wagering conditions and expiry. If the deposit is excluded, the calculation ends there. If it qualifies, the cap, wagering basis, game contribution rules and deadlines determine what remains of the headline offer.

Boku Limits: Per Transaction, Daily and Network Caps

A Boku deposit can face more than one ceiling: a maximum for an individual payment and a separate daily allowance applied at network level. These figures are not consistent across published descriptions, so a limit quoted for one casino or mobile account should not be treated as a universal Boku rule.

Some accounts describe a per-transaction ceiling of £10 alongside a £30 daily network limit. Other descriptions give a £30 daily limit but do not specify a separate transaction cap. A specialist review reports £30 as the standard transaction limit, with some casinos or network operators permitting £40 or £50. Those are reported variations, not a dependable promise of what a particular cashier will accept.

The disagreement matters when assessing the amount available for a single deposit. A daily cap and a transaction cap do different jobs: the former restricts the total that can be charged during a day, while the latter can stop one payment even when daily allowance remains. A casino may also set its own permitted deposit amount. The applicable ceiling is therefore the lowest limit that applies to the account and the selected payment.

Responsibility for the daily allowance is also described differently from a casino-set cashier limit. A specialist review attributes enforcement of Boku’s daily cap to the mobile operator rather than the casino. Under that arrangement, the casino cannot increase the network allowance simply by accepting a higher amount in its cashier. The operator’s own restrictions determine whether the payment can proceed.

For a practical estimate, £30 appears in descriptions of both transaction and daily limits, but it should not be read as confirmation that every account can deposit that amount in one payment. Reported caps of £10 per transaction and higher transaction allowances also exist. The limit shown by the casino is only part of the calculation; a network-level restriction may still apply, and its remaining daily allowance can affect a later deposit.

Direct Boku, Fonix and Siru Mobile Are Not the Same Option

“Pay by Phone” describes a payment category, not a promise that a casino’s cashier supports Boku. A site may offer a phone-based deposit while using Fonix or Siru Mobile instead. Those services are separate payment options, so seeing Pay by Phone on a cashier page is not enough to establish that Boku is available.

The distinction matters when a deposit is intended to be billed through Boku. A cashier must name Boku, or show it as the selected provider, for the transaction to be a direct Boku deposit. A generic mobile-payment label can refer to another service; the payment brand should be confirmed before entering a phone number or authorising a charge.

Specialist reviews have reported that, since 2023, some operators moved from Boku to Fonix or Siru Mobile, while others removed Pay by Phone altogether. That is an account of operator changes, not evidence of a UK-wide prohibition. The UK Gambling Commission did not introduce a rule banning Boku by name. Individual casinos dropped the option in response to compliance risk, leaving payment availability to operator decisions.

Fonix

An alternative Pay by Phone service reported at casinos such as MrQ and Duelz.

Siru Mobile

An alternative Pay by Phone service reported at casinos such as Mr Vegas and Videoslots.

Boku

A specific phone-billing payment method that must be explicitly named in the cashier to be used.

Examples reported by specialist reviews illustrate the naming difference: MrQ and Duelz have been associated with Fonix, while Mr Vegas and Videoslots have been associated with Siru Mobile. Those names do not indicate that the operators also accept Boku. Nor should a payment-method list be treated as permanent; cashier options can change, so the specific provider shown at the point of deposit is the relevant detail.

Boku itself is a phone-billing payment method, not a Boku card or debit-card option. A casino that takes debit cards, or one that advertises Pay by Phone, does not thereby accept Boku. The payment route and the provider are separate parts of the transaction description.

For anyone looking specifically for casinos that take Boku in the UK, the useful check is therefore exact rather than broad: confirm that Boku appears by name in the casino’s current cashier. If only Fonix, Siru Mobile, or an unlabelled Pay by Phone option appears, that does not confirm direct Boku support. The distinction is simple, even if payment menus are not always designed to make it so.

Alternatives When a Casino No Longer Accepts Boku

When direct Boku is absent from a casino cashier, the practical alternatives are other Pay by Phone services or a route through an e-wallet. These are separate payment paths: the cashier must support the chosen method, and an option available at one casino is not evidence that another accepts it.

A specialist review identifies Fonix at MrQ and Duelz, and Siru Mobile at Mr Vegas and Videoslots. Those examples show where another Pay by Phone provider has been reported, rather than establishing a permanent list. Payment options can change, so the relevant test is whether the named service appears in the casino’s cashier when the account is ready to be funded. A casino offering Pay by Phone does not necessarily accept Boku.

The alternatives also have different practical requirements. A phone-based service depends on the mobile account being eligible for the transaction; an e-wallet route requires a wallet account and a casino that accepts it. The choice is therefore not simply between two names. It depends on which payment methods are available at both ends of the transaction and whether the account can use them.

Funding Neteller through Boku

A specialist review describes another route: use Boku to add funds to Neteller, then make a casino deposit from Neteller at a site that accepts that wallet. This may preserve a Boku-funded route where direct Boku is no longer listed in the casino cashier. It is not the same as paying the casino directly with Boku: the first transaction funds the wallet, and the second is made from the wallet balance.

That distinction matters when checking the route. Neteller must be available as a deposit option at the casino, and the Boku-to-Neteller funding route must be available to the account. If either part is unavailable, the chain does not work. It should not be treated as a guaranteed workaround for every casino or mobile account.

A casino that accepts Neteller may also have its own rules about payment sources and account verification. The payment method shown in the cashier is only one condition; the wallet must be usable for the intended deposit, and the operator’s terms remain relevant.

Choosing a workable route

The most direct alternative is another Pay by Phone option supported by the casino. Where that is not available, Neteller funded through Boku is a separately described possibility, provided both stages are supported. Neither route means that Boku itself is accepted by the casino.

A useful comparison is therefore based on the complete path, not the label: identify the payment service offered by the casino, confirm that the funding source can supply it, and account for any separate wallet step. If the cashier offers neither a usable Pay by Phone service nor Neteller, these routes do not solve the deposit problem.

Boku Is a Deposit Method, Not a Withdrawal Route

Boku can put money into a casino account, but it cannot carry winnings back out. A deposit made through Boku does not create a Boku withdrawal route, and there is no Boku debit card for cashing out. The payment method runs in one direction.

That distinction matters when comparing casinos that accept Boku. A cashier may display Boku for deposits while offering separate methods for withdrawals. The deposit option alone says nothing about which payout methods the casino supports, whether a particular account is eligible to use them, or how long a withdrawal will take. “Boku casino” therefore describes a way to fund an account, not a complete deposit-and-withdrawal arrangement.

A separate withdrawal method must be registered when depositing with Boku. Depending on the casino’s available options, this could be a debit card, an e-wallet or a bank transfer. The account holder’s details and the casino’s requirements determine whether that method can be used; Boku itself cannot receive the payout. Choosing a deposit method without accounting for the cash-out route leaves the payment plan incomplete.

The relevant distinction is not between fast and slow Boku withdrawals. There are no direct Boku withdrawals to time. Any withdrawal period belongs to the casino’s chosen payout process, not to Boku, so claims about instant Boku cash-outs confuse the deposit service with a separate transaction.

The same applies to searches for Boku casinos with withdrawal options: the useful question is which methods the casino accepts for withdrawals after a Boku deposit. Those details should be checked in the cashier and the operator’s terms before depositing. A listed payment logo is not evidence that the method works for both directions.

In practical terms, Boku may fund the balance; a separately registered method is needed to withdraw it. The payout route should be treated as part of the account setup, rather than as a detail to resolve after winnings appear.

Boku Casino Deposits and UK Gambling Regulation

A casino offering Boku does not thereby establish that it is licensed to serve customers in Great Britain. Payment availability and regulatory status are separate checks: the presence of Boku in a cashier says nothing conclusive about the operator’s permission to offer gambling.

The UK Gambling Commission regulates commercial gambling in Great Britain, including remote gambling offered to consumers there. Its remit applies regardless of where an operator’s equipment is located. It is the sole regulator for commercial gambling in Great Britain, issuing operating licences to businesses and personal licences to individuals who operate within the sector.

Before depositing, confirm that the casino has a current UKGC operating licence. The Commission’s public register is the appropriate place to check the operator’s details and licence status. A brand name or payment option alone is not enough to identify the licensed business behind a site; the register should match the relevant operator.

This distinction also matters when a casino is described as outside GamStop or not covered by its self-exclusion arrangements. Such wording is not evidence of a UKGC licence, and Boku acceptance does not resolve the question. A site’s payment methods cannot substitute for checking its regulatory position.

For customers in Great Britain, the relevant test is whether the operator holds the required UK Gambling Commission licence, not whether it accepts a particular phone-billing method. An operator’s location does not remove that requirement when it offers remote gambling to consumers in Great Britain. The licence check should therefore come before any Boku deposit: otherwise, the payment method may be clear while the operator’s authority to provide the service is not.

Pay-by-Phone Deposits, Bonus Eligibility and Account Checks

A Boku option in a casino cashier does not establish that a deposit qualifies for a welcome offer. Payment acceptance and bonus eligibility are separate conditions: the cashier determines whether the payment method can be used, while the offer terms determine whether the deposit counts towards a promotion.

Eligibility varies by operator and offer. A specialist review identifies MrQ, Duelz, Mr Vegas and Videoslots as accepting Pay by Phone deposits for bonus eligibility, but that should not be treated as a standing promise for every promotion. Terms can differ between offers and may change, so the relevant offer’s conditions need to be checked before a deposit is made. If Pay by Phone is excluded, the deposit may still reach the account without triggering the bonus.

A Boku-specific bonus is a different matter from using Boku to fund an account that has a general welcome offer. A specialist review reports no dedicated Boku deposit bonuses on the platforms it assessed and no Boku-specific deposit restrictions there. That is a limited finding, not a rule applying across UK casinos. The practical check is whether the current offer accepts the payment method, not whether the casino advertises Boku elsewhere on its site.

The terms should also be read for the conditions attached to the offer itself: what deposit qualifies, whether the bonus must be activated, and what happens if the conditions are not met. A promotion’s headline value has little meaning if the payment method is excluded or the account does not meet the stated requirements. A casino may accept a Boku deposit without attaching any bonus at all; the payment and the promotion remain separate entries in the calculation.

Account checks come before funds can be deposited. Operators must verify a customer’s age before allowing deposits, and online gambling is legal in the UK for people aged 18 or over when the operator holds a UK Gambling Commission licence. A payment method being available does not remove that requirement. If verification is incomplete, the deposit cannot proceed until the operator has completed the necessary check.

The account should also be with a properly licensed operator. A casino’s payment options do not establish its regulatory status, so the UK Gambling Commission’s public register is the place to confirm the licence before depositing. This is a separate check from confirming that Boku appears in the cashier.

For anyone comparing Boku casinos or looking for a mobile casino with a welcome offer, the useful distinction is therefore threefold: the operator accepts the payment method, the specific offer permits it, and the account has passed the required age checks. Each condition has to hold; none can be inferred from the others.

What are the deposit limits at pay-by-mobile casinos?

Boku deposits are typically limited to about £10 per transaction and £30 per day by the mobile network, with a standard maximum of £30 per transaction. Some casinos or network operators may allow up to £40 or £50, and PAYG deposits cannot exceed your remaining phone credit.

Why are UK casinos dropping Boku?

Some operators have dropped Boku because of compliance risk, not because the UK Gambling Commission banned it by name. Since 2023, operators have also replaced it with services such as Fonix or Siru Mobile, or removed pay-by-mobile options.

Can a casino deny issuing a promotion if I deposit with Boku?

Yes. Bonus eligibility for pay-by-phone deposits varies by operator, and Boku deposits generally do not come with specific bonuses. Check the casino’s bonus terms before depositing.

How does Boku work?

Select Boku in the casino cashier, choose an accepted deposit amount, enter your mobile number and confirm the payment with the SMS verification code. The charge is added to your phone bill or deducted from your PAYG credit.

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