Do I need a bank account or credit card? CSMgr.8686 Updated May 15, 2017 05:44 Follow No. You only need an active mobile phone with Premium and Carrier Billing services enabled. Related articles What if I have a pre-paid or pay-as-you-go phone? What is Boku? How long does a transaction take to complete? How do I apply to be a Merchant? What countries and mobile networks do you cover? Comments 0 comments Article is closed for comments.