Compare Prepayment Tariffs

Energy Switching
May 15th, 2025
Compare Prepayment Tariffs

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Pay-as-you-go energy made simple – compare UK prepayment suppliers and find the best top-up deals

Thinking about switching your prepayment energy supplier?

Or compare business energy

  • Look at pay-as-you-go electricity and gas plans.
  • Discover how to add credit online, through an app, or in stores.
  • Save money on daily fees and the cost per unit.
  • Check offers from trusted prepayment companies like EDF, British Gas, and E.ON Next.

Want to compare energy prices across all meter types? We’ve got you covered — from prepayment to direct debit deals.

Since 2013, more than 514,000 UK homes have used Free Price Compare to check energy costs.

What is a prepayment meter?

A prepayment meter for energy, known as a PAYG or pay-as-you-go meter, allows you to pay for gas and electricity before you use it. You can add money to it using a key, card, electricity key, app, or an online portal. This process is like a mobile pay-as-you-go system.

Prepayment meters are often used in:

  • Rented homes
  • Places where people want to manage their budget
  • Families with past energy bills

You only use what you have paid for. There are no surprise bills.

  • You just pay for the energy you use.
  • This helps you avoid surprise bills or direct debits.
  • It’s easy to keep an eye on and control your spending.
  • You can top up in shops, online, or using the app.
  • This is perfect for budgeting and short-term stays.

You will need a suitable electricity meter or gas meter based on your needs. Most prepayment systems use a simple key meter or a gas card that you can recharge at your nearby store.

Smart Prepayment Meters

Pros and Cons of Prepayment Meters

Pros Cons
✅   Pay-as-you-go control – only pay for what you use ❌   Standing charges still apply, even when you’re not using energy
✅   No surprise bills – easier to budget weekly or monthly ❌   Higher unit rates than direct debit in many cases
✅   Top up anytime – online, by app, or in-store ❌   Risk of running out if you forget to top up
✅   No credit checks required – ideal for those with debt concerns ❌   Fewer tariffs to choose from compared to standard plans
✅   Track usage in real time with smart prepayment meters ❌   Emergency credit is limited – not a long-term fallback

Prepayment meters can help you manage your spending and use energy for a short time. However, they might not be the least expensive choice. It’s a good idea to compare tariffs. This way, you can ensure you’re not paying more than you need to.

While prepayment works well for budgeting, it’s always smart to compare energy prices and see if another tariff could save you more.

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Which UK Energy Suppliers Offer Prepayment Tariffs?

Not all energy suppliers provide prepayment tariffs. Prices can change based on where you live and how much energy you use. Here is a list of some of the main suppliers that currently offer prepayment meter deals. This includes both key/card and smart prepayment options.

Compare Prepayment Energy Suppliers

Supplier Prepayment Available Smart Prepay Support Top-Up Methods Notes
British Gas Yes Yes App, online, shop Emergency credit available
EDF Energy Yes Yes App, online, PayPoint Good customer service for PAYG
E.ON Next Yes Yes App, online, shop Offers automatic top-ups
Octopus Energy Yes (on request) Yes App, online Smart-only prepay for new installs
OVO Energy Yes Yes App, online, SMS Smart meters required for new PAYG customers
Scottish Power Yes Yes App, online, PayPoint Wide top-up network
Utilita Yes Yes App, online, SMS, shops Prepayment specialists with usage insights
Boost (by OVO) Yes Yes App, online, shops 100% pay-as-you-go energy provider

How to Switch Prepayment Energy Suppliers

Switching to a new prepayment energy tariff is simpler than you expect. You could begin saving money in just a few days. It doesn’t matter if you have a traditional key/card meter or a smart prepay credit meter. The process is easy.

When you compare energy prices, we show you only the prepayment tariffs available in your area — so you get the best match for your top-up habits and usage.

Here’s how it works:

Step-by-Step Guide (Styled as a numbered list):

  1. Enter your postcode
    We’ll show you the prepayment tariffs that are in your area.
  2. Compare suppliers and prices
    See how much you could save based on how you top-up and your meter type.
  3. Choose the right deal for you
    Pick the supplier that offers the easiest top-up options or the best rates.
  4. Apply online – no paperwork needed
    We’ll take care of the switch with your new supplier. You don’t need to contact your old one.
  5. Start topping up with your new supplier
    You’ll get your new top-up card or key in the mail, or your smart meter will update automatically.

There is no interruption to your energy supply when you switch, and there are no switching fees. If you use a smart prepayment meter, the switch is usually quicker and done completely online. You don’t need to reach out to your current supplier — we’ll handle the switch for you, making it fast and easy.

How to Switch Prepayment Energy Suppliers

More About Energy Switching

Still deciding if a prepayment meter is right for you? These quick reads can help you make an informed switch:

3 Key Tips to Saving Money on your Electricity Bill

What are the Pros and Cons of Prepayment Meters?

How to Find the Cheapest Fixed Rate Electricity Tariff

Essential Tips for Fixed Price Tariff Switching

Correct as of 23 April 2025

FAQs About Prepayment Meters

What is a prepayment meter?

A prepayment meter is a system where you pay for gas and electricity before you use them. You can add credit before using energy. You can do this by using a key or card at a shop. You can also add credit online using a smart meter.

Can I switch energy supplier with a prepayment meter?

Yes! You can change suppliers just like customers with regular meters. There are no charges, and your supply will not be affected.

Is a prepayment meter more expensive?

Prepayment tariffs usually cost more per unit and have higher standing charges than direct debit plans. Still, it’s a good idea to compare different deals. This can help you find cheaper options.

Can I get a smart prepayment meter?

Most UK suppliers now provide smart prepayment meters. These meters allow you to add money online or through an app. You can also track your energy use in real time.

What happens if I run out of credit?

Your supply might stop if you run out of credit. However, most meters provide emergency credit to help you for a short time. Some suppliers also have friendly credit hours, like during overnight, weekends, or bank holidays.

Are there any support schemes for prepayment customers?

Yes. You can qualify for help like the Warm Home Discount Scheme, Fuel Direct, or hardship funds. It depends on your situation and supplier.

Where can I top up my prepayment meter?

You can add money at PayPoint or Payzone shops, online using your supplier’s website, or through an app if you have a smart meter. Remember to keep the receipt after you add money. You can top up your account at PayPoint, Payzone, or Post Office locations, online through your supplier’s website, or by using an app for smart meters.

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Thinking about changing your energy provider?

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