What is a pay as you go (prepayment) energy tariff?

A pay as you go (PAYG) or prepayment tariff is where you top up credit in advance (online/app, PayPoint/Payzone, or via your supplier) and your meter uses that credit as you consume gas or electricity. You can usually track usage and remaining credit on the meter display or through your supplier’s app for smart prepayment meters.

Are pay as you go tariffs more expensive than Direct Debit tariffs?

They can be. Historically, prepayment tariffs were often priced higher than Direct Debit, but pricing varies by supplier, region and payment type. The best way to find a competitive PAYG tariff is to compare the current unit rates (p/kWh), standing charges (p/day) and any discounts for smart prepayment or online top-ups.

How do I find the best PAYG tariff for my meter?

To find the best PAYG tariff, compare: (1) electricity and gas unit rates, (2) standing charges, (3) how you top up (app, online, shop), (4) any fees or minimum top-up amounts, and (5) customer support for emergencies. You’ll need your postcode and typical usage (or recent statements) to make a like-for-like comparison.

Can I switch supplier if I have a prepayment meter?

Yes, most customers can switch energy supplier with a prepayment meter. Your new supplier may keep you on prepayment or offer to move you to a credit meter, depending on eligibility checks. If you have debt on the meter, you may still be able to switch in many cases, but the debt arrangement will typically need to be carried over or agreed first.

How long does it take to switch a pay as you go tariff?

A supplier switch is usually completed within around 5 working days for many customers, but timings can vary. Your energy supply won’t be interrupted during the switch. If you need a new key/card or smart prepayment setup, your new supplier will explain the process and when you can start topping up with them.

Do smart prepayment meters help you get cheaper tariffs?

A smart prepayment meter can make topping up easier (often via app/online) and can give clearer usage data, which helps you choose the best tariff. Whether it’s cheaper depends on the supplier’s pricing in your area, but smart PAYG options can be more competitive than traditional key/card prepayment tariffs.

What should I check before switching PAYG energy tariffs?

Before switching, check your current unit rates and standing charges, whether you’re on electricity-only or dual fuel, how you top up, and if there are any meter debt balances or repayment settings. Also confirm that the new tariff supports your meter type (key/card or smart prepay) and that you’ll be able to top up in a way that suits you.

Can I change from a prepayment meter to paying by Direct Debit?

In many cases, yes. Some suppliers may offer to exchange your prepayment meter for a credit meter (or change your smart meter mode) if you pass eligibility checks and there’s no outstanding debt. Paying by Direct Debit can unlock additional tariff options, so it’s worth asking your supplier if you want more choice and potentially lower prices.

How can I save money on a pay as you go meter?

You can save by comparing PAYG tariffs to lower your unit rate and standing charge, topping up in the cheapest/most convenient way (often online/app), and reducing consumption with simple steps like turning appliances off standby, using efficient LED lighting, improving draught-proofing, and adjusting heating controls. Monitoring usage on a smart prepayment meter can also help you spot spikes and cut waste.

Where can I compare PAYG energy tariffs and switch?

You can compare pay as you go energy options and get help choosing the right tariff on EnergyPlus. Start here: https://www.energyplus.co.uk/guidesfaqs/best-energy-tariffs-for-pay-as-you-go-meters-uk

Best energy tariffs for pay as you go meters UK

Compare whole-of-market PAYG (prepayment) energy deals in minutes. Tell us about your meter and postcode and we’ll help you find suitable tariffs – including options to switch to a smarter, often cheaper setup where available.

Compare PAYG electricity and gas tariffs from a whole-of-market panel
See whether a smart PAYG meter or credit meter could reduce your unit rates
Understand standing charges, unit rates, and emergency credit before you switch
Switch support for tenants, low usage homes, and households in debt

Compare PAYG tariffs Read PAYG FAQs

Home energy only. Switching is subject to eligibility and supplier checks. Rates vary by region, meter type, and payment method.

Compare PAYG (prepayment) energy tariffs – whole of market

Pay as you go meters (also called prepayment meters) can be convenient, but the tariff options can be confusing. With EnergyPlus, you can compare suitable PAYG tariffs available at your address and check whether switching meter type could unlock better rates.

To find the best energy tariffs for pay as you go meters in the UK, you need to look beyond the headline price and understand:

Unit rates (p/kWh) for gas and electricity
Standing charges (p/day) that apply even if you use little energy
Meter type (traditional key/card, smart PAYG, or credit meter)
Payment method and top-up options (app, PayPoint, Post Office)
Any debt repayment being collected through the meter

Good to know: If you’re on PAYG due to an existing debt, switching may still be possible in some cases – but it depends on supplier rules, meter setup, and how the debt is managed.

Get PAYG tariff results

Fill in a few details and we’ll show available tariffs for your meter type and region.

If you’re on emergency credit: top up first if you can, then compare. Switching can take time and you don’t want to risk supply disruption.

What makes a PAYG tariff “best” for your home?

There isn’t one single best prepayment tariff for everyone. Prices and availability depend on your region, fuel type (gas, electricity, or both), meter type, and whether you can move to a smart PAYG meter or a standard credit meter.

1) Lowest total cost, not just unit rate

The cheapest PAYG tariff often balances standing charge and p/kWh. If you use little energy, a lower standing charge may matter more than a slightly lower unit rate.

2) Suitable for your meter setup

Some suppliers only support certain prepayment meters. If you’re on a legacy key/card meter, you may have fewer options than with a smart PAYG meter.

3) Practical top-up and support

Look for easy top-ups (app/online as well as PayPoint/Post Office), clear emergency credit rules, and good customer support if your meter loses connection.

Tip: If you’re regularly topping up and running out, consider whether a smart PAYG meter (with app top-ups) could help you manage usage – even before you switch tariff.

How PAYG (prepayment) energy tariffs work in the UK

With a pay as you go meter, you pay for energy in advance by topping up. Your meter then uses your credit as you consume gas and/or electricity. Most PAYG tariffs still include:

Standing charge: a daily charge to keep you connected
Unit rate: the price per kWh you actually use
Debt recovery (if applicable): an agreed amount taken from top-ups

If your credit runs out, you may go onto emergency credit (if enabled). The exact amount and conditions vary by supplier and meter type.

Quick checklist before you compare

Check whether you have electricity only, gas only, or dual fuel.
Note your meter type (key/card vs smart PAYG).
Find your current unit rate and standing charge (often on your receipt, app, or supplier account).
If debt is collected through the meter, check the weekly recovery amount.
Have your postcode ready to see regional prices.

PAYG vs credit meters: can switching meter type get you a better tariff?

Sometimes, the best way to improve your deal isn’t only changing supplier – it’s changing how you pay. Some households can move from PAYG to a standard credit meter (or smart credit), which may open up more tariffs and payment options. However, this depends on your circumstances and supplier policy.

Reasons you might stay on PAYG

Budgeting: you prefer paying in smaller amounts
No direct debit required
You’re repaying an energy debt through the meter
Temporary living situation (e.g. some rentals)

Reasons to explore a credit meter

Potential access to a wider range of tariffs
No need to top up at short notice
Direct debit options (where suitable)
May simplify moving home or changing supplier

Important: Meter changes can involve checks and appointments. If you’re in arrears, you may need an agreed repayment plan before a supplier will change the meter type.

What to compare on PAYG tariffs (with examples)

Prices vary by region and change over time, so the most reliable approach is to compare live quotes. Use the tables below as a practical guide to what matters when you’re choosing between PAYG options.

PAYG tariff features to check

Feature	Why it matters	What to look for
Electricity unit rate (p/kWh)	Main driver of cost if you use a lot of electricity.	Compare against your current rate; check if the rate differs for smart PAYG vs key meter.
Gas unit rate (p/kWh)	Often the biggest cost in homes with gas heating.	Check seasonal usage; small differences can add up over winter.
Standing charge (p/day)	You pay it every day, even with low usage.	If you’re a low user, don’t ignore this – it can dominate your total cost.
Top-up methods	Affects convenience and risk of running out.	App/online top-ups plus local PayPoint/Post Office options.
Emergency credit	Provides a buffer if your credit runs out.	How much you get, when it applies, and how it is repaid from future top-ups.
Debt collection (if applicable)	Some of your top-up may go to repay arrears, not current usage.	Confirm the weekly amount and whether it changes after switching.

Steps to choose a PAYG tariff with confidence

Start with your current costs: note your unit rates and standing charges for both fuels.
Compare like-for-like: ensure the quote matches your meter type (key/card vs smart PAYG).
Check practicalities: top-up locations, app access, and emergency credit rules.
Consider meter upgrade: if you’re eligible, a smart PAYG meter can add convenience and may widen tariff access.
Switch at the right time: avoid switching if you’re at risk of running out of credit; top up first.

Ready to compare? Head back to the PAYG comparison form.

Regional pricing: why your postcode matters

Energy prices are not the same across the UK. Even on similar tariff names, standing charges and unit rates can differ by region due to local network costs. That’s why comparing with your postcode is essential – especially for PAYG tariffs where availability may be more limited.

England

Your distribution region influences your daily standing charge and p/kWh. Comparing with your postcode shows accurate options for your area.

Scotland

Supplier availability and network charges can differ. A whole-of-market comparison is the quickest way to see what’s available for PAYG at your address.

Wales

Tariff pricing varies by region and meter type. Checking your current standing charge against quotes can reveal meaningful savings.

Northern Ireland: this guide focuses on Great Britain (England, Scotland, Wales) where switching is arranged through the GB market. NI uses a different market structure.

Common PAYG tariff mistakes (and how to avoid them)

Focusing only on unit rate

A tariff with a slightly lower p/kWh can still cost more overall if the standing charge is higher. Compare both parts together.

Ignoring meter type limitations

Key/card PAYG meters may not be supported by every supplier. If you can upgrade to smart PAYG, you may see more options.

Forgetting debt recovery

If your meter collects arrears, part of each top-up can be taken for repayment. Confirm the recovery rate so your top-ups don’t feel “smaller” after switching.

Switching when you’re about to run out

Always top up first if you’re low on credit. Switching can take time and you’ll want to avoid any gap where you’re relying on emergency credit.

PAYG switching eligibility: what can affect your options?

Most UK households can compare and switch energy supplier, but PAYG meters can come with extra factors. Here are common reasons you might see fewer tariffs – and what you can do next.

Outstanding balance

Some suppliers restrict switching if a debt is linked to the meter. You may still have options, especially if you have an agreed plan.

Meter compatibility

Older key/card meters may need an upgrade to access certain PAYG tariffs. Smart PAYG often improves compatibility and top-up methods.

Property situation

Tenants can usually choose their supplier, but check your tenancy agreement. If bills are included in rent, switching typically isn’t applicable.

If you’re unsure what applies to you, use the comparison form and we’ll help you identify appropriate options for your address.

PAYG energy tariffs FAQs

Are PAYG tariffs more expensive than direct debit?

They can be, but not always. The only way to know for your home is to compare with your postcode and meter type. If you can move to a credit meter and pay by direct debit, you may see additional tariff options – subject to eligibility.

Can I switch energy supplier with a prepayment meter?

In many cases, yes. However, your options can be affected by meter compatibility and any balance linked to the meter. Comparing whole-of-market options helps you see what’s actually available for your setup.

What’s the difference between a key/card meter and smart PAYG?

A traditional key/card meter typically requires in-person top-ups (e.g. at PayPoint). A smart PAYG meter can enable online/app top-ups and may provide better usage visibility. Availability depends on your property and supplier.

Will I lose emergency credit if I switch?

Emergency credit arrangements can vary. If you’re currently using emergency credit, top up first and contact your supplier if you’re worried about running out during the switching process.

Is dual fuel always cheaper on PAYG?

Not necessarily. Dual fuel can be simpler to manage, but pricing differs by supplier and region. Compare both options and focus on the total annual cost for your expected usage.

How can I reduce PAYG energy costs quickly?

Start by comparing tariffs, then review your standing charges and usage. If you have electric heating, check peak-time consumption. Small changes like draught-proofing and lowering flow temperature (where applicable) can also help.

Want tailored results? Use the PAYG comparison form to see suitable tariffs for your postcode.

Find the best PAYG energy tariff for your home

Compare whole-of-market options with your postcode and meter details. If a smarter meter setup could help, we’ll highlight it as part of your results.

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Updated on 10 Jan 2026