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Module 2: Cut your mobile phone bill in half

Get started on your financial fitness journey with an easy win – pay less for your phone.

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Are you paying too much for your mobile bill?

As part of your 5-minute budget, you already know how much your bill is each month.

The average Australian pays $51 a month for their mobile plan.

If you're doing better than that, great! But if not, it's time to start hunting around.

The average postpaid mobile bill in the Finder database costs $34.45 a month and they start from just $5 a month for 2GB.

It's not only what you pay each month that matters, but how much data you use.

The average Australian uses 12.8GB of mobile data each month, according to the Australian Competition and Consumer Commission (ACCC).

If your plan offers you way more data than you use each month, consider switching to something with less data and pay less.

You can check your latest phone bill or use your provider's app to see how much data you're using each month.

By sticking with your current mobile provider, you could be contributing to the $2.2 billion loyalty tax Australians pay annually by not switching, so it's time to make a move.

The average Australian can save $462* a year by switching their phone bill.

How to start saving on your mobile bill right now

Mobile providers often provide discounts or deals to new customers to get more bang for your buck.

For example Dodo has an offer where you get double the data for the first 3 months on selected SIM only plans.

That means you're getting twice the value on already cheap mobile plans.

Dodo is offering 30GB for only $20 a month for the first 3 months. It reverts to 15GB thereafter for the same price.

This also highlights how you can stay with a big provider's network, but not pay its usually more expensive prices.

Dodo's mobile plans are on the Optus 4G network. To get a 30GB plan through Optus direct, it costs $49 a month.

So that deal already saves you $87 over the first 3 months for access to the same network.

The same goes for other major providers too.

The cheapest Telstra SIM only plan is 50GB for $62 a month.

For $45 a month on Belong, which also uses the Telstra network, you can get 100GB of data.

So that's double the data and about 30% cheaper.

The other major telco is Vodafone and its cheapest SIM only plan is $49 a month, which gets you 50GB.

TPG also uses the Vodafone mobile network and it offers 60GB for $40 a month. Even better, TPG has a deal where you pay $20 a month for the first 6 months for this plan.

This marks a saving of $120 over the course of a year plus an extra 10GB of data per month compared to Vodafone's plan.

Finder has picked a few great offers that will save you money if you're paying the average mobile plan each month.

Name Product Data Price Apply Price
TPG Large
PrepaidNo lock-in contract
$15/mth for the first 6 months, then $30/mth. Eligibility criteria, T&Cs apply.
TPG Large
Prepaid
$15/mth for the first 6 months, then $30/mth. Eligibility criteria, T&Cs apply.
Finder Award
  • Unlimited national calls & texts
  • Vodafone 4G network
45GB
$15
per month
Go to site
View details
-50%
  • $15/mth for the first 6 months, then $30/mth. Eligibility criteria, T&Cs apply.
  • Unlimited standard national calls & texts
45 GB
Data
$15
per month
felix Subscription Unlimited
SubscriptionNo lock-in contract
$20/mth for the first 3 months, then $40/mth with code FELIX50. Eligibility criteria, T&Cs apply. Ends 30.6.24
felix Subscription Unlimited
Subscription
$20/mth for the first 3 months, then $40/mth with code FELIX50. Eligibility criteria, T&Cs apply. Ends 30.6.24
Finder Award
  • Unlimited national calls & texts
  • Vodafone 4G network
Unlimited data
At speeds up to 20Mbps
$20
per month
Go to site
View details
GREEN COMPANY
  • $20/mth for the first 3 months, then $40/mth with code FELIX50. Eligibility criteria, T&Cs apply. Ends 30.6.24
  • Unlimited standard national calls & texts
Unlimited data
At speeds up to 20Mbps
$20
per month
Dodo $25
PostpaidNo lock-in contract
50GB/mth for the first 3 months, then 25GB/mth. Eligibility criteria, T&Cs apply. Order by 2.5.24
Dodo $25
Postpaid
50GB/mth for the first 3 months, then 25GB/mth. Eligibility criteria, T&Cs apply. Order by 2.5.24
  • Unlimited national calls & texts
  • Optus 4G/3G network
50GB
No excess data charges
$25
per month
Go to site
View details
  • 50GB/mth for the first 3 months, then 25GB/mth. Eligibility criteria, T&Cs apply. Order by 2.5.24
  • Unlimited standard national calls & texts
50 GB
Data
$25
per month
Belong 40GB
PostpaidNo lock-in contract
Belong 40GB
Postpaid
  • Unlimited national calls & texts
  • Wholesale Telstra 5G/4G network
40GB
No excess data charges
$35
per month
Go to site
View details
  • Unlimited standard national calls & texts
40GB
Data
$35
per month
amaysim 32GB Plan
PrepaidNo lock-in contract
amaysim 32GB Plan
Prepaid
  • Unlimited national calls & texts
  • Optus 5G/4G network
32GB
$30
per 28 day recharge
Go to site
View details
  • Unlimited standard national calls & texts
32GB
Data
$30
per 28 days expiry
loading

How easy is it to switch?

It's easy to switch between mobile plans.

Luckily, a lot of plans nowadays feature no-lock-in contracts.

First compare mobile plans that suit your budget and data needs.

When you've landed on the right plan, go ahead and sign up to your new provider.

It's important to remember to not cancel your plan with your old provider at this point, as the process is not quite complete.

You'll need a new SIM card. If you've opted for an eSIM or have a physical SIM card as you signed up in-store, your new plan should be available as soon as you purchase it.

Otherwise you'll need to wait for your physical SIM to be delivered.

Once you have the SIM, you need to activate it, which should only take 5–10 minutes.

You can also port, or transfer, your existing number over. You would have indicated you wanted to do this during sign-up.

This is usually a relatively quick process that only takes a few hours.

Some providers only port numbers during business hours though, so keep that in mind when switching.

Once you've received confirmation that your number has been transferred to your new provider, your old plan will automatically be cancelled.

Month-to-month SIM only plans are just one type of phone plan you can get.

You can cut down your costs even more if you look at a long expiry plan and get up to a year of data sorted.

If you're in need of a new phone, you can compare deals with brands such as iPhone and Samsung.

*Based on average mobile plan of $51 per month compared to the cheapest postpaid plan by Southern Phone from $5 per month.

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