Switch to a cheaper prepayment meter tariff (UK)
Compare whole-of-market prepayment meter (PAYG) tariffs and see if you could pay less for your gas and electricity. It’s quick, online, and tailored to your home.
- Compare options for both electricity and gas prepayment meters
- Check unit rates, standing charges and payment methods (key/card/app)
- Switch online with support if your meter needs an upgrade
For UK homes only. Comparing won’t affect your credit score. Availability varies by region, meter type and supplier criteria.
Compare prepayment meter tariffs for your home
If you pay-as-you-go for energy, a small difference in unit rates and standing charges can add up across the year. EnergyPlus helps you compare whole-of-market deals available for UK prepayment meters (including key, card and some smart PAYG setups) and guides you through switching.
What you’ll need (takes 2 minutes)
- Your postcode (to check regional prices)
- Fuel type: electricity, gas or both
- Your current supplier (if known)
- Whether you have a prepayment meter (key/card/smart PAYG)
Switching from a prepayment meter: what to expect
Many households assume PAYG tariffs are “fixed” or that switching is difficult. In reality, prepayment customers can often switch—subject to supplier checks and meter compatibility. In some cases, the cheapest option may involve upgrading to a smart prepayment meter or moving to credit mode (pay monthly by Direct Debit), if that’s suitable for you.
- No disruption: your supply doesn’t stop during a switch.
- Top-ups: you can usually keep topping up as normal until the switch completes.
- Timing: switching often takes a few days to a few weeks depending on the supplier and meter setup.
Tip: If you’re not sure whether your meter is prepayment, check your in-home display (smart meter), look for a key/card slot, or search your last receipt from top-ups.
In debt on your meter? You may still be able to switch, but some suppliers have restrictions. We’ll highlight suitable options and explain any next steps.
Why switching your PAYG tariff can reduce your costs
Prepayment customers can sometimes end up on out-of-date rates. Comparing helps you check you’re not paying more than you need to for the same energy.
Check the real price
PAYG costs are driven by pence per kWh plus a daily standing charge. We compare both so you can judge the total cost, not just a headline figure.
Potentially better top-up options
Some suppliers support smart prepayment top-ups via app or online, reducing reliance on shops and giving clearer usage tracking.
Avoid being stuck on poor rates
If your current tariff isn’t competitive, switching can move you to a better fit—especially if your circumstances or usage have changed.
Compare whole-of-market
EnergyPlus is a comparison service designed to help you check a wide range of suppliers and tariffs available in your area.
Switch with confidence
We explain key terms like prepayment debt rules, meter compatibility and the difference between fixed and variable tariffs, so you’re clear on what you’re choosing.
How to switch to a cheaper prepayment meter tariff
Switching is usually straightforward, but prepayment meters can involve extra checks. Here’s what typically happens when you compare and apply.
- Tell us about your home – postcode, fuel and meter type. This ensures prices reflect your region and network costs.
- Compare available tariffs – look at unit rate, standing charge, tariff type (fixed/variable) and top-up method.
- Apply to switch – complete the switch details. Some suppliers may ask for extra info for PAYG.
- Meter setup (if needed) – if your new tariff needs a different PAYG setup, the supplier will explain next steps (for example, smart meter configuration).
- Start paying the new rates – you’ll receive confirmation and instructions for topping up and viewing your balance.
Will my energy go off when I switch?
No. Your physical supply stays on. The switch is an administrative change between suppliers. Keep your key/card safe and continue topping up as normal until you’re told otherwise.
Prepayment tariff types explained (UK)
To find a cheaper prepayment meter tariff, it helps to compare like-for-like. Use this table to understand what you’re looking at.
About the Energy Price Cap
Many variable tariffs are influenced by the Ofgem price cap. Your actual cost still depends on your unit rate, standing charge, and how much energy you use.
Dual fuel vs single fuel
Putting gas and electricity with one supplier can be convenient, but it isn’t always cheapest. Compare both ways before deciding.
Eligibility: can you switch a prepayment meter in the UK?
In many cases, yes—but suppliers can have rules based on your meter type and circumstances. This guide helps you understand what may affect your options.
Meter compatibility
Key/card meters and smart PAYG meters may have different switching routes. If a tariff requires a smart setup, the supplier will confirm whether a meter configuration change is needed.
Debt on the meter
If you’re repaying debt via top-ups, some suppliers may limit switching until debt is cleared or managed. We’ll help you identify what’s feasible.
Address & tenancy
If you pay the energy bill, you can usually choose the supplier—even in a rented home. If energy is included in rent, switching may not apply.
Not sure what meter you have?
Choose “Not sure” in the form. We’ll show suitable routes and explain what to check (for example, whether you top up with a key/card or through an app/in-home display).
Where savings come from on a PAYG tariff
Cheaper energy isn’t just about one number. Your total cost is influenced by consumption and tariff structure.
1) Lower unit rates
If your household uses more energy (larger home, electric heating, more occupants), reducing the unit rate can have the biggest impact.
- Compare electricity day-to-day usage (kWh)
- Check gas unit rates if you have gas central heating
2) Lower standing charges
If you use less energy (small household, often away), a high standing charge can dominate your bill.
- Compare standing charges for your region
- Weigh up any trade-off: low unit rate vs higher standing charge
A quick way to compare tariffs
When you receive tariff options, look at the unit rate and standing charge together. If two tariffs are close, pick the one that matches your usage pattern (higher use = prioritise unit rate; lower use = prioritise standing charge).
Regional pricing: why your postcode matters
Energy prices vary across Great Britain because network costs differ by region. That’s why comparisons always start with your postcode. (Northern Ireland has a different energy market structure and may have different availability depending on supplier.)
Standing charges can vary
Even on similar tariffs, the standing charge can change by region—so a deal that looks good in one area may not be the best in another.
Supplier availability isn’t identical
Some tariffs are only offered in certain regions or may depend on whether your meter type is supported for PAYG switching.
Common mistakes when switching prepayment energy
Comparing without standing charge
A lower unit rate can be offset by a higher standing charge. Always compare total cost based on your likely usage.
Not checking top-up method
If you rely on a local shop, confirm the supplier supports PayPoint/Payzone. If you prefer digital, check app/online top-ups are available for your meter.
Ignoring prepayment debt rules
If you’re repaying debt through your meter, switching may need extra steps. Tell us upfront so you only see realistic options.
Best practice
If possible, note your current unit rate and standing charge from a receipt, statement, or supplier app. It makes it easier to spot a cheaper prepayment meter tariff quickly.
FAQs: switching prepayment meters
Can I switch supplier with a prepayment meter?
Often, yes. Availability depends on your meter type, your address, and whether there is debt being repaid through the meter. Use the comparison form to check options for your postcode.
Is prepayment always more expensive than Direct Debit?
Not always, but Direct Debit tariffs can sometimes be cheaper. If you’re open to changing payment method, you may see additional options—subject to supplier criteria.
Do I need to change my meter to switch?
Not usually. However, some tariffs may require a smart PAYG setup or a meter configuration update. If a meter change is needed, your new supplier will explain the process.
Will I lose my remaining top-up credit?
You shouldn’t lose money, but handling of remaining credit can vary by supplier and meter type. Keep receipts and follow the new supplier’s guidance during the switch.
How long does a prepayment switch take?
It varies. Some switches complete quickly, while others take longer if meter setup changes are required or if there are extra checks.
What if I’m vulnerable or need extra support?
If you have accessibility needs or are worried about keeping your supply on, tell your supplier. You may be eligible for additional support services. Comparing tariffs can still help you find a better fit.
Looking for the fastest route? Start with your postcode and meter type in the comparison form. We’ll narrow options to those that typically accept prepayment meters.
Trust signals and what customers value
“Clear breakdown of unit rates and standing charges. I finally understood what I was paying on PAYG.”
— UK homeowner
“The comparison showed my area had better options than I expected. Switching steps were explained properly.”
— PAYG customer
“Helpful guidance on smart prepayment. The top-up method mattered to me and it was easy to filter.”
— Household in Great Britain
Whole-of-market focus
We aim to help you compare a broad range of UK home energy tariffs, including options that support prepayment meters where available.
Transparent comparisons
We encourage you to compare based on the numbers that matter: unit rate, standing charge, tariff type and any fees—so you can choose with confidence.
Ready to check for a cheaper prepayment tariff?
Tell us your postcode and meter type and we’ll show available prepayment meter tariffs for your area—then you can start your switch online.
- Whole-of-market comparison
- PAYG-friendly options highlighted
- Clear pricing: unit rate + standing charge
You stay in control. Review your options before you apply.
Quick checklist before you switch
- Confirm whether you have key/card or smart PAYG
- Check if any debt is being collected via your top-ups
- Have your postcode ready for accurate regional rates
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