Playing on a phone means installing Bedrock from the store your phone already trusts. Android uses Google Play. iPhone uses the App Store. Both then ask for a Microsoft account, which is the account that owns the character and the purchases.
- Install Minecraft from the official store. Confirm the publisher is Mojang.
- Open it and sign in, or create a Microsoft account if you do not have one.
- Choose Play, then Create New, then a Survival or Creative world.
- In settings, shrink the view distance if the phone gets hot.
- Turn coordinates on so you can find the house again.
Nothing to sideload
If a page tells you to allow unknown apps so Minecraft can install, you are not on the official path. Come back to Get the game.
Friends on consoles and Windows Bedrock can join you. Friends on Java cannot. That split is the whole multiplayer question on a phone, and it is answered on the Bedrock page.