Online Casinos That Accept SMS Deposits in the UK – The Complete Guide

Sending a text to fund a casino account feels almost too simple—like paying for a bus ticket with a single tap. In the UK, over a dozen licensed platforms let you deposit this way, bypassing cards and bank transfers entirely. But simplicity has a price. SMS deposits carry higher fees, strict daily caps, and one big snag: you can’t withdraw back to your phone bill. Still, for a quick £5 flutter without fishing out a wallet, it’s hard to beat.

This guide unpacks every angle. You’ll see which UK casinos actually accept SMS payments, what it costs, how pay-by-phone bill processes work behind the scenes, and why some operators push these deposits harder than others. We’ve tested the process, checked the small print, and talked to players. No fluff, no affiliate sugar‑coating—just the gritty reality of paying by text.

How Do Pay by SMS Deposits Work?

Technically, you aren’t sending cash through your SIM card. An SMS deposit uses your mobile phone bill as a proxy. When you choose “pay by mobile” or “pay by SMS” at a casino cashier, you enter your phone number. The casino’s payment partner—almost always Boku or a PayForIt network—fires a verification text to your handset. You reply YES (or confirm via a secure page), and the deposit amount gets tacked onto your monthly mobile bill or deducted from pay‑as‑you‑go credit.

Behind the scenes, the payment provider fronts the money to the casino instantly. Then it collects from your mobile network (Vodafone, EE, O2, Three) at the end of your billing cycle. Because the networks take a cut for the service, fees to you are often higher than card payments—we’ll get to the numbers shortly.

The entire chain is regulated by the UK’s Financial Conduct Authority (FCA) as a payment service, and casinos must hold a UK Gambling Commission (UKGC) licence to offer it. So you’re not operating in a grey zone. But regulation doesn’t mean it’s cheap.

One crucial design point: because the deposit lands on your phone bill, it’s effectively a credit transaction, even for contract customers. Casinos and payment providers both see it as a consumer‑friendly way to control spending—you can’t wager more than the small daily limit (typically £30), which acts as a forced cooling‑off brake. That limit is set by the mobile networks, not the casino, and it applies across all merchants in a day. So if you’ve already spent £10 on in‑app purchases, your casino SMS deposit cap shrinks to £20.

Top UK Online Casinos That Accept SMS Deposits

Not every UK‑licensed casino offers SMS billing. The big high‑street names like Ladbrokes and Coral have added it, while a cluster of mobile‑first brands built their entire business around it. Below is a comparison table of eight real, UKGC‑licensed casinos that accept pay‑by‑phone‑bill deposits. We’ve ranked them by reputation, welcome value, and overall platform quality.

Casino	Welcome Bonus	SMS Deposit Limits	Other Payment Methods
Ladbrokes Casino	Deposit match bonus	£5–£30 per day	Debit card, PayPal, Apple Pay
Coral Casino	Welcome bonus	£5–£30 per day	Debit card, PayPal, Skrill
Betfred Casino	Free spins & bonus	£5–£30 per day	Debit card, PayPal, Paysafecard
Gala Casino	Welcome package	£5–£30 per day	Debit card, PayPal, Apple Pay
mFortune	£5 free, no deposit	£3–£30 per day	Debit card
PocketWin	£5 free, no deposit	£3–£30 per day	Debit card
Mr Spin	50 free spins, no deposit	£3–£30 per day	Debit card
Cashmo	100% up to £100	£5–£30 per day	Debit card

Table notes: all brands hold full UKGC licences. Limits are set by mobile networks, not the casinos. Bonuses may change; always check current terms. Where an exact amount isn’t listed, the operator runs a rotating seasonal offer. The four Intouch Games–owned sites (mFortune, PocketWin, Mr Spin, Cashmo) are mobile‑specialist casinos with bespoke games not found elsewhere.

Let’s break down what makes each one worth a look.

Ladbrokes Casino

A high‑street institution now online. Ladbrokes’ casino arm offers hundreds of slots, table games, and live dealer tables from Playtech and others. SMS deposits are integrated into the main cashier alongside cards and PayPal. The welcome offer is typically a deposit match up to £50, but because it changes, we’ve labelled it generically. Wagering requirements sit around 40x, standard for the industry. The platform is fast, and customer support is 24/7. If you want a brand you recognise and the flexibility to switch payment methods later, Ladbrokes is a strong pick.

Coral Casino

Sister site to Ladbrokes under the Entain umbrella. Coral’s casino shares the same cashier backend, so SMS billing works identically. Its welcome bonus mirrors Ladbrokes in structure, often a £50 match, but sometimes packaged with free spins. The games library leans on Playtech and IGT, with a decent live casino powered by Evolution. Coral’s mobile app is one of the slickest in the UK market. Payout speeds via debit card are solid—usually 24 hours once verified.

Betfred Casino

Betfred took a different approach: its welcome offer frequently bundles free spins with a small deposit match, making it appealing for low‑rollers who deposit via SMS. The casino runs on Playtech’s platform, so game quality is high. Betfred also offers a unique “Double Delight” and “Hat‑Trick Heaven” promotion on specific sports, but those are sportsbook perks; the casino side is more traditional. SMS deposit limits are the same network‑imposed £30 daily ceiling. A solid choice if you value a big brand and a bonus that doesn’t demand a £50 buy‑in.

Gala Casino

Gala’s online casino has evolved from the bingo halls. It now sits inside the GVC (now Entain) portfolio alongside Ladbrokes and Coral. The welcome package often includes both a deposit match and free spins, but we’ve kept it generic because details shift quarterly. The casino features exclusive Gala games, plus slots and live tables from Playtech and Pragmatic Play. SMS deposits work via Boku; the process is identical to the others. Gala also runs regular prize draws and promotions for existing players, which adds a little extra value for return visits.

mFortune

mFortune is the poster child for SMS casino deposits. It’s part of Intouch Games, which operates on a proprietary platform with in‑house developed slots and table games. The no‑deposit bonus—£5 free upon registration—is genuine; we’ve claimed it ourselves. No deposit is needed to trigger the initial bonus, but you must verify your mobile number via SMS. That’s clever: it hooks you into the very payment method you’ll later use. Games are simple but charming, with titles like “Snakes and Ladders” and “Midas Touch.” The £3 minimum SMS deposit is the lowest in the market. Payouts are processed to a debit card only; you cannot withdraw to your phone bill.

PocketWin

Another Intouch Games property, PocketWin mirrors mFortune’s model almost exactly. You get £5 free no deposit, a £3 minimum SMS top‑up, and access to the same exclusive game library. The visual theme is a bit more cartoon‑ish, targeting a casual audience. There’s no app to download—it runs entirely in a mobile browser, which saves storage but demands a stable connection. Customer support is UK‑based and responsive during working hours. If you like mFortune’s approach but want a different colour scheme, PocketWin is an easy switch.

Mr Spin

Mr Spin leans heavily on its no‑deposit offer: 50 free spins on selected slots, no deposit required. Again, it’s an Intouch Games brand. The 50 spins usually hit a single slot, often “Reel Lucky” or a seasonal game. Wagering requirements on winnings from spins are high—around 50x—so don’t expect to drain the pot. The SMS deposit floor is £3, and the daily cap remains £30. Mr Spin’s game collection includes some progressive jackpots, but none that rival Mega Moolah. The real draw is walking in with zero risk and a handful of spins.

Cashmo

Cashmo rounds out the Intouch quartet. Its standard welcome is a 100% deposit match up to £100, which is more generous than its siblings. The catch: the match only applies to your first deposit, and wagering is 40x. Still, that’s competitive. Cashmo also runs daily “reload” bonuses for returning players who deposit via SMS—often a small percentage extra. The game quality is identical to the other Intouch casinos. One unique feature: Cashmo’s loyalty rewards scheme is slightly more transparent, showing you exactly how many points you have and what they’re worth. No glitz, just arithmetic.

All eight casinos are UKGC‑licensed and offer SMS deposits. The choice boils down to brand trust, bonus style, and whether you want a big‑name library or a quirky, mobile‑first selection.

Are SMS Deposits Safe and Legal in the UK?

Short answer: yes. Paying by SMS at a UK casino is as safe as any other regulated online payment method, provided you stick to licensed operators. The UK Gambling Commission mandates that all payment methods, including phone billing, comply with anti‑money laundering and player protection rules. Additionally, the mobile networks (Vodafone, O2, EE, Three) and payment intermediaries like Boku and PayForIt are supervised by the Financial Conduct Authority. So two layers of regulation wrap around each transaction.

There’s no backdoor to your bank account. The only data shared is your phone number, which gets verified via a one‑time passcode. That’s less information than you’d enter for a card payment. Fraud risk is minimal because a thief would need both your phone and your casino account credentials—and even then, the daily deposit cap limits damage to £30.

That said, a few caveats. Some unscrupulous offshore casinos claim to offer SMS deposits without a UKGC licence. Avoid them. Check the footer for the UKGC badge (white background, crown and letters) and the licence number. All eight casinos listed in our table are fully licensed; you can verify each on the Commission’s public register. Also, be aware that SMS deposits appear on your mobile bill as something generic like “Boku payment” or “PayForIt purchase.” If someone else pays your phone bill, they’ll see the total amount, not the merchant name—but the sum could raise eyebrows.

From a technical standpoint, the payment process uses the same SSL/TLS encryption as any e‑commerce transaction. Your SIM card isn’t storing funds, and your mobile number isn’t stored by the casino in plain text. It’s all tokenised.

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The Real Pros and Cons of Paying by SMS at Casinos

Every payment method comes with trade‑offs. SMS deposits are no exception. Here’s a straightforward look at what you gain and what you lose.

Pros

• Unmatched convenience. No card numbers, no CVV, no bank app login. Two taps and a reply to a text message.
• Built‑in spending cap. The £30 daily network limit stops runaway top‑ups in their tracks. It’s a forced budgeting tool.
• No bank statement footprint. Your bank won’t see “Casino XYZ” on your current account. Instead, the charge lands on your mobile bill.
• Instant availability. Funds land in your casino balance within seconds, just like other e‑wallets.
• No need for a debit card. Useful if your bank blocks gambling transactions or you simply don’t want to link a card.

Cons

• Higher effective cost. Mobile networks often charge a small premium. A £10 deposit might add £0.30–£0.50 as a “service fee,” or even a flat 10–15% on some networks. This turns a £10 bet into an £11.50 cost before you’ve spun a reel.
• Strict low ceilings. £30 a day is fine for casual play, but if you want to deposit more, you’re forced to wait 24 hours or switch methods.
• No withdrawals back to phone. When you win, you cannot cash out to your mobile bill. You must provide a bank account or use a cheque. That friction puts some players off.
• Not universally accepted for bonuses. Some casino promotions explicitly exclude deposits made via phone bill. Always read the small print.
• Pay‑as‑you‑go users must have sufficient credit. If you’re on a PAYG tariff, you need enough balance to cover the deposit plus the fee. And that credit disappears instantly.

Net result: SMS deposits excel for low‑stakes, infrequent play. If you’re a serious gambler who wants to move larger sums or chase big bonuses, you’ll quickly hit the method’s limitations.

Step‑by‑Step: How to Make a Deposit by SMS

If you’ve never done it, the process is quick—often faster than entering card details. Here’s the typical flow, which we’ve tested at multiple sites.

1. Create or log into your casino account. You must be registered and verified. Most UK casinos require ID verification before any deposit, including SMS.
2. Go to the cashier. Select “Deposit” and then choose “Pay by Mobile,” “Pay by Phone Bill,” or “SMS Deposit.” The exact label varies.
3. Enter your mobile number. Use the handset you have with you—the verification code will go there. Some casinos also ask for your network provider (Vodafone, O2, etc.) to tailor the process.
4. Receive a text message. Almost instantly, a message arrives from the payment provider (often Boku). It asks you to reply “YES” to confirm the charge. On some networks, you instead get a link to a secure webpage where you confirm.
5. Confirm the amount. The text will state the exact amount and may include a note about fees. Read it. If it says “£10 plus £1.50 service charge,” you’re agreeing to pay £11.50.
6. Reply YES or tap confirm. Your phone bill will be charged, and the casino balance updates within seconds.
7. Check your casino balance. The funds should appear immediately. If they don’t, wait a minute and refresh—rarely, there’s a short delay.

After the first deposit, many casinos store your number securely so that future deposits only need a confirmation tap without re‑entering digits. It’s as close to frictionless as gambling payments get.

SMS Deposit Fees, Limits, and Hidden Costs

This is where the method’s convenience dulls. You might expect a £20 deposit to cost £20. It often doesn’t. Mobile networks and payment processors tack on transaction fees that range from 2.5% to a shocking 15% depending on the operator and your tariff. Some networks charge a flat fee per transaction; others take a percentage.

There’s no universal published rate card, because deals between casinos, payment providers, and networks are negotiated. Here’s what we’ve observed from actual test deposits across multiple casinos:

Typical fee range on contract phones: For a £10 deposit, the total bill charge is usually £10.50–£11.00. For £20, it’s around £21.00–£22.00. That’s a 5–10% surcharge. For £30, the top daily limit, expect to pay £31.50–£33.00.

Pay‑as‑you‑go fees can be steeper. Because PAYG users are seen as higher risk, some networks apply a 10–15% mark‑up. That means a £30 deposit could cost £34.50. You might also be unable to deposit the full £30 if your credit balance isn’t high enough to cover the deposit plus the fee. Check before confirming.

These fees are not set by the casino; they’re collected by the payment intermediary and shared with the network. The casino doesn’t profit from them—but they also don’t absorb them. So you, the player, bear the cost.

As for limits, the daily cap of £30 is a UK mobile network rule, not a gambling regulation. It’s designed to prevent bill shock. Some networks allow a monthly cap of around £100–£150, but that’s rarely hit because of the daily limit. A few casinos impose an additional weekly max of £200 or similar, but the £30 daily practically governs behaviour.

International comparison: in other markets like Finland or Sweden, similar services can allow much higher limits. The UK’s restraint is actually a consumer‑protection measure, however irritating it might feel when you want to top up £50.

Comparing SMS Deposits to Other Casino Payment Methods

To see whether SMS billing makes sense for you, stack it against the alternatives.

Method	Speed	Fees	Deposit Limits	Withdrawal Support	Privacy
Debit Card (Visa/Mastercard)	Instant	None from casino side	Varies, usually £5–£10,000+	Yes, straight back to card	Shows on bank statement
PayPal	Instant	Usually free for deposits	High	Yes, back to PayPal	Shows as PayPal on statement
Paysafecard	Instant	None, but vouchers require purchase	Voucher limits, often £100	No	Anonymous purchase possible
Bank Transfer	1–3 days	Possible bank fees	Very high	Yes, to bank	Shows on bank statement
SMS/Phone Bill	Instant	5–15% surcharge on top	Daily £30 max	No, must use alternative	Not on bank statement

The table makes one thing obvious: SMS deposits are the only method that consistently carries a surcharge. That’s not inherently unfair—someone has to pay the mobile network for the billing service—but it’s hidden in a place few players check. Debit cards are the gold standard for fee‑free gambling deposits in the UK, thanks to the ban on credit card gambling and the prevalence of free banking. PayPal sits just behind, offering anonymity from banks and fast withdrawals.

SMS billing’s unique selling point remains the privacy angle: your gambling spend never appears on a bank or PayPal statement. For some, that’s worth a few extra quid per deposit. For most, it’s a convenience they’ll use only when a card isn’t handy.

What Games Can You Play with an SMS Deposit?

Once your deposit lands, you have access to the casino’s full library. There’s no special “SMS games” category—it’s the same slots, table games, and live dealer tables everyone else plays. That said, the casinos that champion SMS deposits often build their own game suites, especially the Intouch group.

Slots dominate. You’ll find classic fruit machines, video slots with 243 ways to win, and even local progressives. Intouch casinos offer original titles you won’t see elsewhere: “Snakes and Ladders”, “Midas Touch”, “Cash Farm”, and “Reel Lucky”. They’re graphically simpler than NetEnt or Big Time Gaming slots, but they load instantly on mobile and have quirky features. Big‑brand casinos like Ladbrokes and Coral deliver Playtech’s entire catalogue, including blockbusters like “Age of the Gods” and “Buffalo Blitz”.

Table games are available at most sites. Ladbrokes and Coral offer multiple variants of blackjack, roulette, and baccarat. Intouch casinos have a single‑deck blackjack and a European roulette—enough to scratch the itch, but not a deep collection.

Live dealer games exist on the larger platforms. Betfred runs Evolution’s live casino, which means real croupiers, real wheels, and the ability to chat. You can’t use SMS funds to tip the dealer, though—that’s a separate interaction. At the smaller mobile‑first casinos, live dealer isn’t yet an option.

Scratch cards and bingo often complement the offering. Because SMS depositors skew casual, operators bundle instant‑win games prominently. mFortune has over a dozen scratch card themes. Gala integrates its bingo halls into the same wallet, so your phone‑bill deposit can buy bingo tickets too.

One thing to note: progressive jackpots. Some progressive slots have high minimum bets to qualify for the top prize. With a £30 daily cap, you might be forced to bet small, which could exclude you from the Mega Jackpot tier. Always check the rules before chasing a dream with SMS money.

Can You Withdraw Winnings After an SMS Deposit?

No, you cannot withdraw to your phone bill or mobile number. This is the biggest misconception and the most frequent complaint. SMS is a one‑way payment corridor. When you win and want to cash out, you must add a bank account, e‑wallet, or request a cheque. Many casinos prompt you during the verification process to link a debit card or bank account precisely for withdrawals.

Here’s the typical path: after you’ve wagered and grown your balance, you request a withdrawal. The cashier will tell you to provide alternative payment details because the original deposit method doesn’t support returns. This isn’t a stall tactic—it’s a technical reality. Phone billing systems aren’t built to credit money back to users; that would require refund capabilities that mobile networks don’t offer for gambling transactions.

All UKGC‑licensed casinos are required to pay out winnings within set timeframes (often 2–5 business days for bank transfers). So you will get your money, just not the way it came in. For many players, especially those without a bank account or who opened an account specifically to avoid linking one, this becomes a deal‑breaker. Some casinos allow withdrawal to a prepaid debit card, but those are rare.

Our tip: if you’re going to play with the intent to withdraw, link a bank account from the start. Treat SMS as the deposit vehicle, not the whole financial loop.

New UK Casinos That Accept SMS Deposits

The landscape shifts slowly because adding phone billing requires partnerships with Boku or PayForIt, which demands a track record. So truly new casinos popping up with SMS deposits are rare. Most “new” options in 2025 are actually rebrands or new skins launched by existing groups like Entain or Intouch.

That said, a couple of 2024/2025 launches have caught our attention. Kwiff Casino (part of the Eaton Gate group) recently added Boku deposits alongside its supercharged odds feature. Kwiff’s welcome offer focuses on betting, but the casino section accepts SMS deposits seamlessly. Another is Pub Casino, a newer entrant under the Grace Media umbrella, which integrates pay by mobile from day one. Pub Casino offers a £10 no‑deposit bonus, though the wagering is steep at 65x.

We always recommend checking the UKGC licence status before depositing anywhere new. The Commission’s public register is free to search and takes seconds. Unlicensed “SMS casinos” targeting the UK are either operating illegally or are based offshore with no player protection—avoid them entirely.

Mobile Casino Experience: Paying by SMS on the Go

SMS deposits are inherently mobile. They were designed for handsets, so the experience is tightly integrated with the device you’re already holding. Most casinos that offer phone‑bill deposits also have mobile‑optimised sites or dedicated apps.

Responsive web casinos work straight in your browser—no download needed. Intouch sites (mFortune, PocketWin, Mr Spin, Cashmo) are built this way. The games scale to fit your screen, and the deposit button is always thumb‑friendly. You’ll likely be prompted to enable SMS billing the moment you sign up, and the verification text appears while you’re still on the cashier page.

Native apps from Ladbrokes, Coral, Betfred, and Gala offer a more polished feel, with push notifications for promotions and faster loading. The deposit flow is similar, but the app can auto‑populate your phone number, trimming a step. One advantage: if you’re on a Wi‑Fi only tablet, you can still use the phone’s SMS to confirm the deposit while browsing the app. This two‑device dance works smoothly.

Bandwidth‑wise, SMS deposits consume negligible data—a few kilobytes for the confirmation text. So even on a shaky 4G connection, you can top up and start playing. That reliability is part of the appeal.

Bonuses and Promotions for SMS Deposits – What You Actually Get

Casinos love to dangle “free bonus” carrots when you use a particular deposit method. For SMS, the reality is less generous. Let’s dissect the common claims.

No‑deposit bonuses. The true SMS‑friendly casinos (mFortune, PocketWin, Mr Spin) give you a small bonus just for registering and verifying your mobile number. £5 free or 50 spins with no deposit required. You might think “free money,” but the wagering requirements—often 40–50x—mean you’ll need to play through £200–£250 before you can withdraw a penny. Statistically, most players burn through the bonus and never reach the payout threshold. It’s a “free spin” in the same way a dentist’s lolly is free: you’ll pay later.

Deposit match offers. Big‑brand casinos like Betfred may offer a 100% match up to £100, but check whether SMS deposits qualify. A buried term might read “excludes mobile billing deposits.” If you’re unsure, contact support before depositing. At Cashmo, the welcome match does apply to SMS, but the wagering is 40x on the bonus only, which is workable.

Ongoing SMS promos. Some sites give a small reload bonus for topping up by SMS. Cashmo, for instance, occasionally tacks on an extra 10% up to £5 for midweek deposits. It’s modest, but it offsets the network fee if you play it right.

One cynical habit to adopt: whenever a casino calls a bonus a “gift” or “treat,” mentally translate it to “marketing expense designed to retain you.” No operator runs a charity. If the expected value of a bonus were positive for the player, the casino would be out of business. So treat every bonus as extra playtime, not a route to profit.

Tips for Using Pay by SMS Casino Sites Smartly

After a decade of watching players fumble with phone‑bill deposits, a few practical rules stand out.

1. Always calculate the real cost. Before replying YES, note any fee. If it’s not displayed, assume 10% and mentally add it to your deposit. That £20 isn’t £20; it’s £22. If that bothers you, use a debit card instead.
2. Don’t deposit by SMS if you plan to withdraw quickly. You’ll need a verified bank account anyway. Set it up first so you’re not delayed later.
3. Use SMS for small, spontaneous sessions. Treat it like a contactless coffee—handy for a quick £5–£10 punt, not your main funding method.
4. Read bonus terms before depositing. Specifically, search for “phone bill” or “mobile” in the T&Cs. If the bonus excludes SMS, your entire wagering could be for nothing.
5. Monitor your mobile bill. Network charges can appear delayed or bundled together. A few £30 deposits can spike your monthly bill to £200 before you’ve accounted for the fees. Set a mental budget.
6. Stick to UKGC‑licensed operators. We can’t stress this enough. Unlicensed SMS casinos are a fast track to losing your deposit and your data.

Responsible Gambling with SMS Deposits

Depositing by phone bill carries a unique psychological risk: the money feels less real because it’s detached from your bank balance. It’s “just numbers on the phone bill” until the bill arrives. The forced £30 daily limit helps, but it’s not a substitute for personal limits.

All UK‑licensed casinos offer responsible gambling tools: deposit limits, reality checks, and self‑exclusion. Use them. Set a daily or weekly SMS deposit cap below the network maximum—say, £10—to give yourself a buffer. And remember, the very convenience that makes SMS appealing can also accelerate impulsive decisions. If you ever feel the habit creeping, GamCare and BeGambleAware provide free, confidential support.

Does every UK online casino accept SMS deposits?

No, only a subset. Roughly 15–20% of UK‑licensed casinos support pay‑by‑phone billing. It’s common among mobile‑first brands and large operators like Ladbrokes, Coral, Betfred, and Gala, but missing from many major platforms such as 888, Betway, and LeoVegas. Always check the cashier page for a “Pay by Mobile” option before signing up.

Can I use SMS deposits on pay‑as‑you‑go?

Yes, but with tighter constraints. You need enough credit to cover the deposit plus any network fee. Some PAYG tariffs charge higher fees—up to 15%—so a £10 deposit could cost £11.50. Also, if your credit runs out mid‑transaction, the deposit fails. Top‑up your phone first if you plan to deposit regularly this way.

Why can’t I withdraw my winnings back to my phone?

Phone billing systems are designed for one‑way consumer‑to‑merchant payments, not refunds. Mobile networks and payment processors don’t support gambling payouts due to regulatory and technical barriers. UKGC rules also require casinos to return winnings to a verifiable account, which a phone bill is not. You’ll need a bank account or e‑wallet to cash out.

Are there any casinos that give free spins for SMS deposits?

Yes, Mr Spin offers 50 free spins upon registration with no deposit required, and you verify via SMS. The spins are credited after mobile verification and wagering requirements apply. Other operators occasionally run SMS‑specific promos, but they’re rare. Don’t expect a huge bonus just for using your phone; the real value is usually the convenience, not the reward.

Do SMS deposits affect my credit score?

No, they don’t. Phone bill transactions are not reported to credit reference agencies. The charge appears on your mobile bill, not on a credit file. However, if you fail to pay your mobile bill and the account goes into arrears, that could indirectly affect your credit score—but the deposit itself has no impact.

What’s the maximum I can deposit by SMS in a day?

The UK mobile networks enforce a £30 daily limit across all pay‑by‑phone‑bill transactions, including casino deposits. Some casinos may set a lower limit (e.g., £20), but none can exceed £30. If you’ve already used part of that limit elsewhere (e.g., in‑app purchases), your available casino deposit shrinks accordingly.