Can I change to a cheaper prepayment tariff in the UK?
Yes — and in many cases you can switch to a cheaper prepayment (PAYG) tariff without changing your meter. Compare whole-of-market options with EnergyPlus and see whether you could cut your top-up costs.
- Whole-of-market comparison for home energy (Great Britain)
- Check if you can switch supplier on your current prepayment meter
- See options for smart PAYG, key meters and card meters
- Quick form — we’ll help you find a better tariff
EnergyPlus is a comparison service. We’ll use the details you provide to help identify suitable tariffs. Availability depends on supplier and meter type.
Compare cheaper prepayment tariffs (PAYG)
If you’re on a prepayment meter (key, card, or smart PAYG), you can often move to a cheaper prepayment tariff with your current supplier or by switching to a different supplier — depending on what’s available for your meter and area. EnergyPlus helps you compare whole-of-market options for home energy in Great Britain.
Good to know before you compare
- Not all suppliers accept all prepayment customers. Some have extra checks, especially if there’s an outstanding balance.
- Tariffs vary by region (your postcode matters), and prices differ between electricity and gas.
- Smart prepayment may offer more top-up options and better usage visibility, but availability depends on your meter and supplier.
Why switching to a cheaper prepayment tariff can help
Prepayment customers have historically faced fewer choices, but the market has improved — especially with smart meters. If you’re topping up more often than you’d like, switching tariff (or supplier) can reduce the amount you need to add to keep your home running.
Lower unit rates or standing charge
Cheaper tariffs can mean a lower price per kWh, a lower daily standing charge, or a better balance of both — depending on how you use energy.
More convenient top-ups
Smart PAYG can allow app/online top-ups and clearer credit tracking. Some suppliers also offer emergency credit and friendly credit hours.
Better control (without overpaying)
Prepayment helps budgeting, but not all PAYG tariffs are equal. Comparing options helps you keep control while avoiding unnecessary cost.
Tip: If you can’t find a cheaper prepayment tariff, it may still be worth asking about moving from prepayment to credit mode (where eligible). That’s separate from switching supplier and can depend on your payment history and circumstances.
How to change to a cheaper prepayment tariff (UK steps)
Most prepayment switches follow the same journey as credit meter switches, with a few extra checks. Here’s what typically happens when you compare and move to a cheaper PAYG tariff.
- Identify your meter and fuel: key/card prepay, or smart PAYG. If you’re unsure, your in-home display (smart) or top-up method usually gives it away.
- Compare whole-of-market options: tariff availability varies by postcode, payment method and meter type.
- Check supplier requirements: some suppliers won’t take on certain types of debt, or may require you to repay via top-ups under an agreed rate.
- Start the switch: you’ll get an expected switch date and instructions for keeping the supply on during the changeover.
- Keep your supply topped up: ensure you have enough credit during the switch, especially over weekends or bank holidays.
- New top-up method: you may receive a new key/card, or instructions to top up via app/online/PayPoint depending on the supplier and meter.
Will I need a new meter?
Often no. You can usually switch on your existing prepayment meter. If you move to smart prepayment, a meter upgrade might be offered, but it depends on your property and supplier rollout.
Will my supply be interrupted?
Switching supplier should not cut off your energy. The main risk is running out of credit mid-switch — keep an eye on your balance and use emergency credit if you need it.
Can I switch supplier on prepayment? Eligibility checklist
Many households can switch prepayment tariffs, but outcomes depend on meter type and supplier policy. Use this checklist to understand what might affect your options.
Outstanding balance / debt
Some suppliers may refuse a switch if there’s energy debt above a threshold, or they may accept it with a repayment arrangement via your top-ups.
Meter type & compatibility
Key/card meters may have fewer tariff options than smart PAYG. Your supplier may need to issue a new key/card or update settings remotely.
Property & account details
Make sure the address and meter details match your account. If you’ve just moved in, you may need to register with the current supplier first.
If you’re struggling to top up
If you’re in financial difficulty, contact your supplier as early as possible. They may be able to review repayment rates, offer support options, or help you access schemes you’re eligible for.
What makes a prepayment tariff “cheaper”?
When you compare PAYG tariffs, “cheaper” doesn’t always mean the lowest unit rate. Your total cost depends on how much energy you use and the tariff structure.
| Price factor | What it means for prepayment | Who it often suits |
|---|---|---|
| Unit rate (p/kWh) | How much you pay for each unit of gas/electricity you use. | Higher-usage homes, electric heating, larger families. |
| Standing charge (p/day) | Daily fixed cost that applies even if you use little energy. | Low-usage homes may prioritise lower standing charge. |
| Debt repayment rate | If you owe money, a portion of each top-up may go towards repayments. | Anyone with arrears should compare based on net top-up impact. |
| Top-up method & fees | Most top-ups are fee-free, but convenience differs (shop, app, online). | Households wanting easier payments may prefer smart PAYG. |
Regional pricing (postcode)
Energy prices vary across Great Britain due to regional network costs. Two households on the same tariff name can still see different rates if they’re in different regions.
Direct Debit vs prepayment
Direct Debit tariffs can sometimes be cheaper, but eligibility depends on your circumstances. If you’re staying on prepayment, comparing PAYG options is the most relevant route.
Common prepayment switching mistakes (and how to avoid them)
Comparing without checking meter type
Key, card and smart PAYG can have different tariff availability. If you’re unsure, choose “Not sure” in the form and we’ll help you narrow it down.
Forgetting to factor in debt repayment
If part of your top-up goes to debt, your day-to-day experience can feel “more expensive” even if the tariff rates are lower. Always check the repayment setting.
Running low during the switch window
Keep enough credit to cover the switch period. If you’re close to zero, top up before you start the switch and keep emergency credit available if your meter supports it.
Assuming prepayment is always more expensive
The gap between payment methods varies over time. Your best option depends on your usage, region, and what each supplier offers for your meter.
FAQs: cheaper prepayment tariffs in the UK
Can I switch prepayment supplier if I owe money?
Sometimes. It depends on the amount owed and supplier policies. In certain cases, debt can be repaid through a set amount taken from each top-up. If you’re not sure, submit the form and include your meter type — we’ll guide you through what’s realistic.
Do prepayment tariffs include the Energy Price Cap?
Standard variable tariffs (including many prepayment tariffs) are typically affected by the Ofgem price cap in Great Britain. Fixed deals may price differently. What you pay will still depend on your usage and regional rates.
Is smart prepayment cheaper than a key meter?
Not automatically. Smart prepayment can open up more convenience and sometimes more tariff options, but the cheapest choice depends on supplier pricing in your area and your usage profile.
Can I change tariff without switching supplier?
Yes. Your current supplier may offer multiple prepayment tariffs. Comparing whole-of-market options also shows whether switching supplier could unlock a better deal.
How long does a prepayment switch take?
Timings can vary. The key point is that your energy supply should stay on — just make sure you keep enough credit on the meter throughout the switching period.
I’ve just moved house — can I switch straight away?
You’ll usually need to register with the existing supplier at the property first (even temporarily) and make sure the account is in your name. After that, you can compare and switch when you’re ready.
Does EnergyPlus cover the whole market?
EnergyPlus is a whole-of-market comparison service for home energy. Tariff availability can still depend on your meter type, address, and supplier criteria.
What people say
Switching on prepayment can feel complicated. Our goal is to make the comparison clearer, so you can choose with confidence.
“I didn’t realise I could change my prepayment tariff without changing my meter. The form was quick and the options were easy to understand.”
“We wanted smart prepay for easier top-ups. Comparing suppliers helped us see what was actually available in our area.”
“The checklist about debt and switching saved us time. We knew what questions to ask before moving supplier.”
Trust & safety
- UK home energy focus (not business)
- Clear comparison approach — tailored to your meter type and postcode
- Switching shouldn’t interrupt supply (keep your meter topped up during the process)
Ready to see if a cheaper prepayment tariff is available?
Share your postcode and meter type — we’ll help you compare whole-of-market options for your home and identify suitable PAYG tariffs.
Prefer to check first? Review eligibility & checks before you submit.
What you’ll need
- Your postcode
- Prepayment meter type (or best guess)
- Whether you have gas, electricity, or both
We’ll use this to find tariffs that match your home setup.
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