Pay by Phone Bill Bingo Sites

Pay by phone bingo sites are online bingo sites that allow you to deposit into your account using pay by phone bill or your available credit. The money is available instantly so you can start to play straight away.

However, compared to other payment methods, only a handful of sites have this option available. Here, we bring you the top pay by phone bingo sites in the UK.

List of Bingo sites with Pay by Phone Bill

MrQ Bingo 1.

£5

Bonus

• Free daily 90-ball bingo in "On the House"
• All bingo winnings paid in cash (no wager)
• Jackpot of up to £20,000 in the Full Monty

Play here

50 Free Spins credited upon your first £10 deposit on Big Bass Splash only, valued at 10p per spin. Free spins must be used within 48 hours of qualifying. All winnings are uncapped and credited to your real money balance. Full T&Cs apply.

---

18+ | Gamble responsibly | GambleAware.org | T&Cs apply

Best Pay by Phone Bill Bingo Sites

1. MrQ Bingo
2. FunkyJackpot Bingo
3. Free Spirit Bingo
4. Panda Bingo
5. Bogof Bingo

What Are Pay by Phone Bill Bingo Sites?

Pay by phone bill bingo sites are online bingo platforms that let you deposit money directly through your mobile phone bill or Pay As You Go credit. Instead of entering card details or logging into a banking app, you simply use your phone number to make deposits. The amount you deposit either gets added to your monthly phone bill or deducted straight from your PAYG balance.

It’s a straightforward payment method that’s grown massively in popularity over the past few years, particularly amongst players who prioritise security and convenience. You don’t need to register with any payment providers, set up e-wallets, or share sensitive banking information with the bingo site. Your mobile number is all that’s required.

The way it works depends on your phone contract type:

• Contract users: When you make a deposit, the amount gets added to your next monthly phone bill. You’ll pay it alongside your usual call, text, and data charges when the bill arrives. This means you’re essentially playing now and paying later – though you need to be disciplined about tracking these charges.
• Pay As You Go users: The deposit amount is taken immediately from your existing credit balance. If you’ve got £20 credit on your phone and deposit £10 at a bingo site, you’ll have £10 credit remaining. Simple as that.

This payment method appeals particularly to mobile-first players who do most of their gaming on smartphones or tablets. It fits seamlessly into the mobile bingo experience – you’re already on your phone playing, so why fumble around for your wallet or try to remember your banking password?

The security aspect is another major draw. With high-profile data breaches making regular headlines, many players prefer not to share their card details with multiple gambling sites. Pay by phone eliminates that concern entirely.

Supported Mobile Networks

Not all mobile networks support pay by phone deposits, though the major UK providers all do. Here’s what you need to know:

Major networks with full support:

• EE
• O2
• Vodafone
• Three

These four networks cover the vast majority of UK mobile users and have comprehensive support for mobile billing at bingo sites. If you’re with any of these providers, you shouldn’t have any issues.

Other networks (check availability):

• Sky Mobile
• Virgin Mobile
• Giffgaff
• Tesco Mobile

These smaller networks may support mobile billing, but it varies from site to site. Some bingo operators have partnerships with these providers, whilst others don’t. Your best bet is to check the cashier section of your chosen bingo site to see which networks they accept.

Worth noting: even if your network is listed, you still need to ensure your account is in good standing. If you’ve got outstanding bills or payment issues with your provider, mobile deposits probably won’t work until those are sorted.

How Does Pay by Phone Bill Work for Bingo?

The deposit process is refreshingly simple – one of the main reasons this payment method has taken off. Here’s exactly what happens when you make a mobile deposit:

1. Register or log into your bingo account. You’ll need an account at a bingo site that accepts mobile deposits. Most major UK bingo sites offer this option now.
2. Head to the cashier or deposit section. This is usually accessible from the main menu or your account dashboard.
3. Select the pay by phone option. It might be labelled as “Pay by Mobile”, “Mobile Billing”, “Phone Bill”, or similar. Different sites use different terminology, but it’s the same service.
4. Enter your mobile phone number. Make sure you enter it correctly – double-check before proceeding. You’ll need to include the full UK mobile number.
5. Choose your deposit amount. Most sites let you pick from preset amounts (£10, £20, £30) or enter a custom amount within the allowed limits.
6. Receive an SMS confirmation. Within seconds, you’ll get a text message asking you to confirm the payment. This text will include the amount and might require you to reply with “YES” or enter a confirmation code.
7. Confirm the transaction. Reply to the text message as instructed. This is your two-factor authentication – proof that you’ve authorised the payment.
8. Funds appear instantly. Once confirmed, the money shows up in your bingo account balance within seconds. You can start playing immediately.
9. Payment processed through your phone provider. For contract users, this charge will appear on your next monthly bill. For PAYG users, it’s already been deducted from your credit.

The entire process typically takes less than a minute from start to finish. There’s no waiting around for bank transfers to clear or card payments to process.

A few key points about the process:

You don’t need any special apps or software. Everything works through standard SMS text messaging, which means it works on absolutely any mobile phone – even old Nokia brick phones from 15 years ago. As long as your phone can send and receive texts, you’re good to go.

The SMS confirmation step is crucial for security. Even if someone knew your mobile number, they couldn’t make deposits without physical access to your phone to receive and confirm the SMS.

Funds are available immediately once confirmed. Unlike bank transfers that can take days, or even some card payments that need processing time, mobile deposits are instant. Perfect for when you want to jump into a bingo game that’s about to start.

Deposit Limits and Fees

One of the defining characteristics of mobile billing is the relatively low deposit limits. These aren’t arbitrary restrictions set by greedy bingo sites – they’re regulated limits designed to promote responsible gambling.

Here’s what you can expect at most UK bingo sites offering mobile deposits:

• Minimum deposit: Usually £10, though there are some £5 deposit bingo sites too. This makes it accessible for casual players who don’t want to commit large amounts.
• Maximum per transaction: Between £30 and £40. You can’t deposit more than this in a single transaction, even if you wanted to.
• Daily maximum: £30 to £40. Even if you made multiple separate deposits, you’d hit this daily cap.
• Monthly maximum: £240. This is the total you can deposit via mobile billing across an entire calendar month.

These limits exist for good reason. UK regulations mandate caps on mobile billing to prevent problem gambling and overspending. The idea is that if someone’s in the grip of a losing streak, they can’t instantly deposit hundreds of pounds on impulse. The limits force a cooling-off period.

From a practical standpoint, these limits mean mobile billing suits casual players rather than high rollers. If you’re someone who regularly deposits £100+ per session, this payment method won’t meet your needs. You’d be better off with debit cards or e-wallets that allow higher limits.

The limits also tie into your phone contract. If you’re on a contract with a monthly credit limit, your mobile deposits count towards that limit. So if your provider gives you £100 monthly credit for additional charges and you deposit £40 at a bingo site, you’ve used 40% of that credit allowance.

Fees:

This is where things get a bit inconsistent across different bingo sites.

• Most bingo sites don’t charge fees for mobile deposits. The majority of reputable operators absorb any processing costs themselves, so you deposit £20 and £20 appears in your account. Simple.
• Some sites charge around £2.50 per deposit. This is particularly common with certain bingo networks. So if you deposit £10, you might actually be charged £12.50 on your phone bill. These fees should always be clearly displayed before you confirm the deposit.
• Your mobile network won’t charge extra. Vodafone, EE, O2, and Three don’t add their own fees on top. The amount charged to your bill is exactly what you agreed to deposit (plus any bingo site fee if applicable).

Here’s the crucial bit: check before you deposit. Any legitimate bingo site will show you the total charge including fees before you confirm the transaction. If a site is hiding fees in the small print or springing surprise charges on you, that’s a red flag. Walk away.

Never assume – always look for the fee structure in the cashier section or terms and conditions before making your first mobile deposit. Once you know a particular site doesn’t charge fees, you’re golden. But don’t get caught out by sites that do.

Can You Claim Bingo Bonuses with Pay by Phone?

Yes, in most cases you can claim bingo bonuses when depositing via phone bill.

The good news is that the majority of UK bingo sites treat mobile deposits the same as any other payment method when it comes to bonus eligibility. Whether it’s a welcome offer, reload bonus, no wagering bingo bonus or another promotion, your pay by phone deposit should qualify you for the bonus.

This is a significant shift from a few years ago when mobile deposits were routinely excluded from promotions. Back then, bingo sites often restricted bonuses to debit card deposits only. Thankfully, most operators have moved away from this practice and now accept mobile deposits for bonus activation.

However, there are exceptions.

Some bingo sites still exclude mobile deposits from certain promotions – particularly high-value welcome bonuses. This restriction will always be clearly stated in the bonus terms and conditions. It’s not about the payment method being unsafe or problematic; it’s simply a commercial decision by the operator. Some sites prefer to reserve their best bonuses for customers using traditional payment methods.

The important thing is that this information is never hidden. Legitimate bingo sites will explicitly list which payment methods qualify for each bonus. You’ll see language like “available to debit card deposits only” or “excludes mobile billing” in the terms.

What you need to do:

Before making your first deposit, take two minutes to read the welcome offer terms and conditions. Look for any clauses mentioning “payment method restrictions” or “qualifying payment methods”. If mobile deposits are excluded, the site will list the accepted methods – usually debit cards, and sometimes e-wallets like PayPal.

If a specific bonus doesn’t accept mobile deposits, you’ve got options. You can use a debit card for that particular deposit to claim the welcome offer, then switch to pay by phone for all future deposits once you’ve secured the bonus. Most players who want the best of both worlds do exactly this.

Alternatively, you might find another bingo site that does accept mobile deposits for their welcome bonus. There’s enough choice in the UK market that you don’t have to compromise.

How to Withdraw Winnings from Pay by Phone Bingo Sites

Here’s the single most important thing to know about pay by phone deposits: you cannot withdraw via phone bill.

This is a universal limitation across all mobile billing systems. Mobile phone operators simply don’t have the infrastructure or capability to send funds back to customers. The payment flow only works in one direction – from you to the bingo site.

This means that whilst you can happily deposit using your phone bill, you’ll need a completely different method to cash out your winnings. Every player using mobile deposits needs to set up an alternative withdrawal method.

Alternative withdrawal methods you’ll need:

• Debit cards – Most common option. Withdrawals back to the same card you’ve registered with the site.
• E-wallets – Widely accepted and offer faster processing than cards.
• Bank transfer – Direct transfer to your UK bank account.
• Apple Pay – Increasingly available at modern bingo sites.
• Google Pay – Another growing option, particularly on mobile-optimised sites.
• Trustly – Instant bank transfer service that’s gaining popularity.

The withdrawal process:

1. Build up a balance worth withdrawing. There’s usually a minimum withdrawal amount, typically £10-£20.
2. Visit the cashier or withdrawals section. This is where you’ll manage your payouts.
3. Select your preferred withdrawal method. If you haven’t set one up yet, you’ll need to add the relevant details (card number, e-wallet email, etc.).
4. Enter the amount you want to withdraw. You can usually cash out your entire balance or just a portion of it.
5. Confirm your withdrawal request. Once submitted, the site will process your request.
6. Wait for processing times, which vary by method:
   • E-wallets: Typically 24-48 hours
   • Debit cards: Usually 3-5 working days
   • Bank transfer: 3-5 working days
   • Trustly: Can be instant or same-day

Top tips for hassle-free withdrawals:

• Set up your withdrawal method immediately – Don’t wait until you’ve won to sort this out. When you first register at a bingo site, take five minutes to add your preferred withdrawal method. This way, when you do hit a big win, you can request your payout straight away without any delays.
• Use e-wallets for speed – If you want the fastest possible withdrawals, e-wallets are your best bet. Whilst you might deposit via phone bill for convenience, having these accounts set up for withdrawals gives you the best of both worlds: easy deposits and quick cashouts.
• Keep your details current – If you change your card details or close an e-wallet account, remember to update your withdrawal details at your bingo sites. Otherwise you’ll face delays when you try to cash out.

The inability to withdraw via mobile is the biggest drawback of this payment method. It’s not a dealbreaker – millions of UK players use mobile deposits and simply have an e-wallet or card for withdrawals – but it’s something to be aware of before you commit to this payment method.

Are Pay by Phone Bingo Sites Safe and Legit?

Yes, pay by phone bingo sites are safe when you choose UKGC-licensed operators.

Let’s be clear: the payment method itself is secure, but you still need to be careful about which bingo sites you use. A dodgy bingo site is dodgy regardless of what payment methods it accepts. The key is choosing legitimate, licensed operators.

Licensing and regulation:

Although we prefer independent bingo sites as they’re often better quality, any site with a valid licence from the UK Gambling Commission is credible. This isn’t optional – it’s a legal requirement to operate in the UK market. The UKGC is one of the strictest gambling regulators in the world, and getting a licence isn’t easy.

UKGC-licensed sites must meet rigorous standards covering:

• Security measures – SSL encryption to protect your personal information and payment data
• Game fairness – Regular testing of games by independent bodies to ensure RNGs are working properly and results aren’t rigged
• Data protection – Full compliance with UK GDPR regulations, with clear privacy policies explaining how your data is used
• Responsible gambling tools – Mandatory provision of deposit limits, self-exclusion options, reality checks, and links to support organisations

The UKGC licence number is always displayed in the footer of genuine sites. If you can’t find one, or if the site claims to be “licensed” without showing any proof, run a mile. You can verify any licence number on the Gambling Commission’s official website.

Payment security:

Pay by phone actually offers enhanced security compared to traditional payment methods. Here’s why:

• No sensitive financial data is shared. You don’t enter card numbers, sort codes, account numbers, or any banking details. Your phone number is the only piece of information that goes to the bingo site. This dramatically reduces your exposure to data breaches or card fraud.
• Two-factor authentication is built in. Every deposit requires SMS confirmation. Even if someone somehow knew your mobile number and account details, they couldn’t make deposits without physical access to your phone to receive and respond to the confirmation text.
• No stored payment details. Because there’s no card or account information to save, there’s nothing stored on the bingo site’s servers that could be compromised in a hack. Your financial security isn’t tied to the site’s security.
• Real-time authorisation required. You must actively confirm each transaction as it happens. There’s no ability for sites to take recurring payments or charge your phone bill without your explicit permission each time.
• Transaction limits provide safeguards. The £30-£40 daily caps mean that even in a worst-case scenario, the potential damage is limited. Someone can’t rack up hundreds of pounds in charges.

Red flags to avoid:

Not all bingo sites are created equal. Watch out for these warning signs:

• No visible UKGC licence number – If you can’t find a licence displayed on the site, don’t deposit a penny
• Unclear or hidden terms – Legitimate sites have clear, accessible T&Cs; dodgy sites bury important information or use confusing language
• No responsible gambling tools – Every proper UK site must offer deposit limits, self-exclusion, and other protective measures
• Poor customer service – If you can’t get through to support or they’re unhelpful, imagine trying to resolve a payment issue
• Hidden fees not disclosed upfront – Any charges should be crystal clear before you confirm a deposit

Always verify a site’s UKGC licence on the Gambling Commission website before depositing. It takes 30 seconds and could save you a heap of trouble.

Pros and Cons of Pay by Phone Bill Bingo

Let’s be brutally honest about the advantages and disadvantages of this payment method.

Pros:

• Enhanced security – The biggest selling point. No bank details, no card numbers, nothing for fraudsters to steal. Your phone number alone isn’t enough for someone to access your finances.
• Instant deposits – Funds appear in your account within seconds of SMS confirmation. No waiting for bank transfers or card payments to process.
• Ultimate convenience – You need only your mobile phone. No digging out your wallet, no logging into banking apps, no remembering passwords.
• No registration required – There’s no need to create an account with a payment provider. Your phone number is the account.
• Works on any phone – You don’t need a fancy smartphone. Basic phones that can send and receive texts work perfectly fine.
• Built-in spending control – The £30-£40 daily limits act as automatic safeguards against overspending. You physically cannot deposit large amounts on impulse.
• Consolidated billing – All your gambling expenses appear on one monthly phone bill, making it easier to track spending (for contract users).
• Perfect for mobile gaming – If you play primarily on smartphones or tablets, this payment method integrates seamlessly into the mobile experience.
• No fees at most sites – The majority of reputable bingo operators don’t charge any deposit fees.
• Privacy from your bank – Your bank or building society doesn’t see itemised gambling transactions. They just see a payment to your phone provider.
• Available to more people – Works for those without bank accounts, credit cards, or access to traditional financial services.

Cons:

• Cannot withdraw winnings – This is the dealbreaker for some players. You must use a different method to cash out, which adds inconvenience.
• Lower deposit limits – The £30-£40 daily maximum means this method is useless for high rollers who want to deposit hundreds at a time.
• Some bonus exclusions – Certain welcome offers, particularly the most generous ones, may require debit card deposits instead.
• Deposit fees at some sites – Whilst most sites don’t charge fees, some do. That £2.50 charge can add up if you deposit frequently.
• Easy to lose track of spending – Multiple small deposits throughout the month can add up without you realising, particularly for contract users who don’t see charges until the bill arrives.
• Requires bill payment responsibility – This only works if you’re the person who pays the phone bill. Using someone else’s contract without permission is a non-starter.
• Contract credit limits – Your deposits count towards your phone contract’s monthly credit limit, potentially affecting your ability to make other purchases.
• No instant refunds – Once you confirm a deposit, there’s no “undo” button. The charge goes through immediately, even if you change your mind seconds later.
• Network dependency – You need mobile signal to receive the SMS confirmation. No signal means no deposit.
• Monthly billing delay – Contract users won’t see the charges until their next bill, which can be up to a month away. This delayed feedback can make budgeting harder.

The honest truth? Pay by phone is brilliant for casual players who value security and convenience over high limits and withdrawal flexibility. If you’re depositing small amounts regularly and you’re happy to use an alternative for withdrawals, it’s hard to beat. But if you want to deposit large sums or you need the same method for deposits and withdrawals, you’ll find it frustrating.

FAQs