Do I need a bank account or credit card? CSMgr.8686 Updated August 16, 2018 07:06 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? What personal information is collected? How do I apply to be a Merchant? How long does a transaction take to complete? Comments 0 comments Article is closed for comments.