Last updated: 14 April 2o21
Simplicity goes a long way when you’re playing at online casinos. Even though you’re mainly focused on the games themselves, payments are a big part of your gaming journey. Not even the best slots or table games can take away the annoyance of complex account setups, unknown terminology, and whatnot. Thankfully, Siru Mobile exists to combat those particular issues.
Paying only with your SIM card? If you told this to someone 20 years ago, they would probably question your sanity. Well, it’s 2020, and practicality is the buzzword. Siru Mobile came out with a very straightforward way of making transactions online. With the only requirement being that you have a valid phone number, there is no need to create an account or to mess with apps or registration forms.
While this payment method definitely caused some stir with its approach, there are both upsides and downsides to it. In this Siru Mobile review, we intend to cover them all. We’ll also analyze the best Siru Mobile casinos, as well as the best bonuses that you can snatch. Consider this article as your one-stop-shop for everything Siru Mobile. Good luck!
Siru Mobile was founded in 2011, by a group of Finnish tech developers. What led them to create this platform was the rapid rise in smartphone use. Back in the early 2010s, people were only beginning to discover what they could do with a single device in the palm of their hand. The very first iPhone was released in 2007, which lead to institutions such as ecoPayz, PayPal, and many others to explore the feasibility of creating a dedicated smartphone app. As the open-source Android platform was acquired by Google, everyone started seeing the potential of mobile payments.
No matter how easy tapping your screen was, there was still one issue which persists even today. You had to create an account and go through a process in order to use every service. Siru Mobile was born with the idea of removing all that from the equation. The team behind the app thought of a way to charge users without too much hassle – through their phone bill.
All you have to do involves inputting your phone number, accepting a call as a form of verification, and okaying the transfer. The merchant is paid upfront, while you will receive an additional charge as a part of your next phone bill. Online casinos quickly picked up Siru Mobile, as they immediately noticed the potential of such a simple way to transfer money. And with the rise of mobile casinos, Siru became even more popular.
This is one of the bigger downsides of this particular payment method. As of October 2020, Siru Mobile is only available* in Finland, Sweden, and the UK. Obviously, this is a terribly small number of countries, at least when compared to other popular payment methods. And while residents of Norway can also use Siru Mobile for online payments, they can no longer use it for making gambling transactions. This has been confirmed to us by the customer support agents.
Even regionally oriented platforms, such as JCB or Sofort, have managed to break beyond the boundaries of their home markets. This begs the question – why does such a useful and widely applicable payment method only serve customers in three countries? The answer is a rather unusual one, at least when it comes to the fintech industry. You see, most eWallets, credit bureaus, and other platforms depend on banks as the main processing entities. To open a PayPal account, you need a card issued by a valid bank. To open a JCB account, you need a bank, as well. See the pattern?
Well, with Siru Mobile, things are a bit different. Unlike other payment providers who rely on banks, Siru relies on network carriers. Since each carrier has to give their approval for the service to be used by their users, things are a lot more difficult and less inter-connected when compared to bank-dependent systems. Currently, the only carriers that support Siru Mobile are O2, Vodafone, Tele 2, DNA, Telenor, EE, Telia, and Sonera. As for currencies, you can only dabble in SEK, EUR or GBP, since they are the only ones used in the supported countries.
No account required
Even with all the password managers being used today, it’s still a hassle to have a million different username-password combos, especially when it comes to payments. Therefore, we love payment methods that you can just use and be done with it.
Of course, there are downsides to this approach. Perhaps the biggest one is that Siru Mobile cannot be used for withdrawals. Since you have no account, you can’t store money from your winnings everywhere.
Make sure you meet all the requirements
To pay with Siru Mobile the following requirements need to be met. You need a mobile device, a smartphone or tablet, with which you can receive SMS and/or make calls. You need a subscription that supports the use of charge over mobile services. If you reside in the UK, for example, the use of Siru Mobile is limited with Virgin Mobile and all operators that belong to its networks. In Sweden, Siru Mobile does not run with Comviq.
Your number can’t be hidden or secret. Also, the mobile number needed for payments needs to be the same mobile number used in the casino registration you are trying to deposit at.
Visit Siru Mobile website
Visit the Siru Mobile website and click on Login. Then choose your country and click on Get Started Now. You will save your MySiru profile where you will be able to check your transaction history by logging in with your unique phone number.
Confirm your mobile number
Choose your country, enter your phone number and a PIN code will be sent to your phone. Enter the PIN code and you will be ready to go. The first and every next time that you want to pay with Siru Mobile, the system may ask you to verify your phone number with an SMS code and/or identify yourself. The costs of the transaction are added to the phone bill and billed by the subscription operator.
Siru Mobile takes the cake when it comes to simplicity. Adding money to your account is a breeze, and here’s how you can do it:
- Head over to the casino’s banking/cashier section.
- Once there, pick Siru Mobile as the preferred payment method and enter the amount you want to deposit.
- You will be redirected to a checkout window, which will require you to input your phone number.
- Click ‘Confirm’ and you will receive a call that will immediately disconnect, as it’s only a means of verifying that your SIM card is a valid one and that it can be used for Siru Mobile payments.
- The money will be in your account instantly and you’ll be ready to play!
This is as simple as it gets, without the need to access other websites, remember passwords, or share your personal information with other entities. One thing we loved was the fact that you don’t have to be on a postpaid plan to make a deposit. If you have a prepaid balance, the amount of your deposit will simply be deducted from it. Thus, if you’re in Finland, Sweden, or the UK, you can basically buy a prepaid SIM card at a newsstand, insert it into your phone, and start playing at the best online casinos. Amazing, when you think about it.
However, the amazement quickly vanes because Siru Mobile can’t be used for withdrawals. Due to the fact that the platform doesn’t hold money, you cannot store any funds on it. Instead, Siru serves as a mediator between you, the casino, and the network carrier. While this is a major downside, you can just withdraw money using ecoPayz, PayPal, or even your debit/credit card. It’s not as bad as it sounds, especially considering the benefits that come with Siru Mobile.
If you don’t like thinking about additional fees, then Siru Mobile is definitely not the payment method for you. Siru Mobile fees are quite high when you make small deposits. Namely, a €5 deposit can set you back another €3.5 in fees. Things do improve when you make slightly larger payments to online casinos. And even though the payment provider doesn’t offer a detailed overview of fees like some other companies, the fees will be clearly outlined before you confirm the payment.
High fees on small deposits is the main reason why Swedish casino players prefer Swish and Trustly, and Finnish gamers would rather use Zimpler. You can also expect that some Siru Mobile casinos also impose their own fees, which can lead to yet another amount that you will have to pay once making a deposit. Do some research, just so you don’t run into some unplanned expenses that might accumulate over time.
All Siru Mobile deposits are instantly added to your account, once you confirm the transaction and exit the check-out window. This is pretty much standard for all payment methods, regardless if you’re playing at 22bet, PlayOJO, or another site. And it is the instant deposits and simple phone payments that give Siru Mobile an advantage over some of its main competitors.
Unfortunately, Siru cannot be used for casino withdrawals. This is one its main shortcomings, but you are free to use Bank Transfer or any other method the casino supports despite making Siru Mobile deposits.
Here’s where things go a bit downhill. As of 2020, Siru Mobile limits payments to £500/ €300/4,500 SEK per month, which is quite low. Limits for new users within their first 90 days are even lower, meaning this is clearly not an option for high rollers.
Nevertheless, the limits can be a good thing if you struggle to keep your spending under control. And while there is no option to increase the spending limits at this time, we would like to see the company reconsider this practice in the future. Meanwhile, the limits can be lowered by contacting the customer support team. Certain casinos further limit Siru Mobile deposits, such as Bitstarz (€5-€15), while the minimum at 22Bet is also €5, but there is no maximum limit.
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Siru Mobile is pretty solid in this department, believe it or not. When you’re depositing money, you will also get an SMS verification code, which you will need to enter in order to confirm the payment. Don’t worry – these codes expire after an hour of not being used, meaning that your funds cannot be mismanaged if you misplace your phone.
In addition to 2FA, Siru Mobile also uses SSL encryption to protect all information dealt during payment processing. And the best part? You will only be sharing your phone number, not just with the casino, but with Siru Mobile, as well. Since you’re not providing any sort of personal data, and everything is pretty much protected, it’s safe to say that this is a secure payment method.
Mon-Fri: Not disclosed
Weekend: Not disclosed
When it comes to providing assistance to their users, Siru Mobile isn’t particularly good nor bad. They’re somewhere in the proverbial middle of the road. You can reach them via phone, using numbers for each of Finland, Sweden and the UK. In addition to this, Siru can be contacted via email or LinkedIn (for B2B partnerships and products).
Even though they haven’t specified their working hours, we decided to test them. On average, it took Siru Mobile 4 hours to respond to our emails, which is pretty decent. Nevertheless, we would like to see live chat support sometime in the future. It’s not like they have hundreds of millions of customers, so handling the traffic won’t be that hard. We should point out though that their FAQ section is quite comprehensive and contains a lot of useful information.
Honestly, there aren’t many Siru Mobile player reviews online. The ones that we were able to find mostly pertain to the fact that you can’t withdraw money, as well as the irrationally low limits for monthly deposits. Several individuals accused Siru Mobile of fraud because of the language they used while advertising, with their argument being that ‘a great payment method can’t impose €300 monthly limits.’
It seems to us that these reviews are mostly in line with what we already think of this platform. There haven’t been any reports of suspicious activity or fraud, which is great to see. However, it’s clear that Siru Mobile has some problems, and that players aren’t afraid to mention them in a public setting.
Another aspect they centered on was the fees. People seem to be unable to realize why is there a flat fee for transfers as low as €20. If this is Siru’s financial plan for the next several years, we would advise them to rethink their financial models and abandon these unnecessary processing fees. If iDeal, Interac, and Sofort can do it without such high fees, so can Siru Mobile.
Another thing we didn’t really like was that Siru Mobile seems a bit too merchant-focused. This is evident by the fact that all their extra features and perks are reserved for those accepting payments, not you, the customer. With so many deficiencies, it’s strange to see them breaking their backs trying to please merchants when casino players and online shoppers can barely use features that are basic in 2020.
Merchants get 24/7 access to transaction information and details, along with several layers of user authentication. Security is one of Siru Mobile’s strong suits, so it’s good to see that they went all out with what they know works. It’s also surprising to see that the platform is 100% risk-free, as all credit losses are absorbed by Siru, and not by the merchant.
There are also options for handling subscriptions, automatic settlements, and converting currencies. All of this is pretty much basic for other payment methods, but it’s better than nothing. Nevertheless, we would like to see improvement in the future, starting with that ghastly deposit limit. The current situation basically disqualifies anyone with disposable income, as €300 is a really minuscule amount of money for anyone looking to solely make purchases online.
Siru Mobile is basically made for phones, so it’s no surprise that their checkout page looks even smoother when seen on a smartphone device. There is also the MySiru MobileWallet app, which is currently only available in Norway. Whether or not this is just a test, we think that the app boasts a great UI, along with simple instructions and clearly defined elements.
Since withdrawals aren’t available, you won’t be spending much time on Siru’s mobile browser iteration. It doesn’t matter that much, but it’s nice to see them investing some effort in this particular aspect of their brand.
- In 2015, Siru Mobile was awarded the “Strongest in Finland” award, which is basically a certificate that is given to companies that are financially healthy and exemplify the values of the Finnish economy.
- In addition to their headquarters in Helsinki, they have offices in six other countries.
- Their API has an impressive 99.99% uptime score, which means that the app is only unavailable 0.01% of the time.
Yes, the company implements several layers of security to protect transaction data.
No, Siru Mobile can only be used for deposits. It’s not an eWallet, and, as such, it cannot be used to store funds.
Not many, as the platform is only available in three countries, not counting Norway’s access to MySiru. However, lots of sites in Sweden, Finland, and the UK do accept Siru Mobile.
No, you will only make contact with Siru during the check-out phase at your online casino.
Yes. You only have to enter your phone number and the SMS verification code that’s being sent to you.
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