Phone bill

In the UK around 14 million people are still paying ‘too much’

Personal finance expert Martin Lewis has told anyone with an iPhone or Android mobile to text a four-letter word. In a new video on Youtube, the ITV and BBC star said millions of people continue paying sky-high prices on contracts which are no longer binding.

He said that in the UK around 14 million people are still paying too much – often for deals which got them a new handset – and can save hundreds. People were told to check their contract status by texting ‘INFO’ for free to 85075.

Mr Lewis explained: “There’s a way to find out if you can save on your mobile bill just by typing five digits into your phone. All you got to do is text the word info info to 85075. This is a service the regulator mandates mobile phone networks to offer. It’s totally free. They then have to reply with whether you have any early termination or early cancellation charges.

“If it says you don’t, so 0 early termination, it means one of 14 million people who are out of contract and you’re therefore free to ditch and switch and the vast majority of people who are out of contract are seriously overpaying on their phones. So what do you then do? Well, just go on to a comparison site like money-saving experts cheap simfinder and see what’s available.

“Couple of quick notes. If you’re on three smarty or ID mobile, then when you do the text, it will reply back asking you for your date of birth, which is just an ID check. And I should Also note if you’re on a multiple phone contract like couple of different handsets on the contact on the contract it can’t do this. So then simple rule of thumb if you’ve been on the same deal for more than two years you’re almost certainly out of contract. Do check it out.”

If the “Early Termination” or “Cancellation Charge” reads £0, meaning your contract has run out, the MoneySavingExpert founder said, “go to a cheap SIM comparison site”, where a selection of suppliers will offer the same SIM allowance for a fraction of the price.

“If you’re on a multiple-phone contract, you won’t be able to do this”, he added.

He has previously explained how the cost of getting a new SIM has plunged – meaning people could get the full service on their handset for a lot less. He said previously: “Prices have been going up and up. At the same time the cost of new customer SIM deals have been plummeting. For 50gb two years ago you’d have been paying £9. Now you can get it as cheap as about £3 a month.”

Pointing to a diagram on screen Mr Lewis said: “Look at that dispersal – you’ve got existing customers going up and up and up and new customers going down and down and down.”

Mr Lewis went on to explain his three steps for mobile customers to cut costs. He said: “14 million people are out of contract on their mobile phone bill which means you are free to switch.”

He said there is an ‘easy’ way to find out if you are one of those out of contract. Mr Lewis explained: “You text ‘info’ for free to 85075 to check.” He added that people on Three would need to then enter their date of birth. He said that those in contract would still have to pay a termination fee, but otherwise people are free to switch: “You’re a free agent – you can go and get the cheapest deals, you can cut your costs.”

He added that once people decide to switch if they want to keep their number, all they have to do is text PAC (Porting Authorisation Code) to 85075 and give that code to your new provider which will than be able to take the number. According to the MSE founder, the best deals aren’t found by going directly to the big operators – instead he said that if someone is out of contract they should go to comparison sites.

UK tourists have been told common errors can lead to boosting their phone bills when they’re abroad. To avoid the travel mishap, it’s wise to do a few things before you jet off

We all look forward to going on holiday but, as well as being enjoyable, it can be expensive, which is why it’s always handy to know how you can try and save on your phone bill. After all, most of us use our phones while we’re on holiday, but there are ways to ensure we don’t come home with growing bills.

Little you may know, there are some mistakes you likely make with your phone while travelling, but if you take action hefty bills can be avoided. Some travel tips have been shared to help people out, as nobody wants to come home to mounting bills to have to deal with after an already expensive trip.

With major networks having brought back EU roaming charges, and other travel destinations sitting outside standard roaming agreements, using your handset while overseas can prove seriously expensive. Fortunately some expert advice has been shared to help people out, as people often get stung by roaming charges abroad.

Take action before you leave

“Roaming policies vary,” explained Oleksii Pimenov, mobile data and SIM expert at global data eSIM provider SIMBUSTER. “The best way to protect yourself is to check what your plan actually includes before you travel. Don’t rely on the ‘new customer’ ads.”

Oleksii pointed out that some UK plans still include EU roaming, while others charge a daily fee of up to £2.50. Beyond Europe, that charge can climb to as much as £8 per day, which adds up rapidly.

Accidents happen

The most infuriating thing about daily roaming is that on most networks, an accidental search when the hotel’s Wi-Fi drops out can trigger a full day’s roaming fee. According to the expert, ten accidental days during a fortnight adds up to £25 squandered on absolutely nothing – or £80 if you happen to be in Egypt or anywhere else beyond the EU.

With EE, out-of-plan data abroad can set you back £13.90 per gigabyte, according to Oleksii, though the cost varies depending on where you are. For context, downloading a film can eat up 2GB and streaming a live football match would gobble up even more!

“If you’re not using a travel SIM, switch off data roaming and background app refresh until you actually need them,” advised Oleksii. “It can save you more than you think.”

eSIMS may help

If your phone supports eSIMs, it’s another smart way to slash costs. Rather than shelling out for an overpriced SIM at the airport, you can download and activate an eSIM before leaving home, giving you affordable data the instant you land.

“With an eSIM, you know exactly what you’re paying upfront, and you can have everything ready before you even board the plane,” explained Oleksii.

What’s more, if you’re visiting multiple countries, you can get an eSIM that covers a whole region – Europe, for instance – rather than a single country SIM.

Preparation is key

A bit of forward planning can also make a real difference in reducing expenses. Download everything you need – maps, children’s entertainment, music – before you leave.

Hotel Wi-Fi isn’t always reliable enough for hefty downloads and, if you’ve already got everything saved on your phone or tablet, you won’t need to worry about it.

Tips for cruise lovers

Cruise and ferry passengers also need to be vigilant. Maritime mobile networks operate separately from standard roaming, and the charges can be eye-watering.

“Unless you can use the ship’s Wi-Fi, I’d always recommend switching your phone to Airplane Mode while at sea,” added Oleksii.

Extra advice

If you do replace your UK SIM for travel purposes, you risk missing vital messages, including bank verification codes or unexpected calls. By keeping your UK SIM active alongside a data eSIM, you won’t miss anything important.

And, if you travel to a specific destination frequently, whether for work or pleasure, it’s often far more sensible to get a virtual local number.