Do I need a bank account or credit card? CSMgr.8686 Updated June 03, 2017 14:16 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 do I apply to be a Merchant? How do I get support as a Merchant? What personal information is collected? Comments 0 comments Article is closed for comments.