Get the Finder app 🥳

Track your credit score

Free

Cheap Mobile Plans

Looking for a cheap mobile plan? We've got your back with these plans under $20.

Updated

Fact checked

We’re committed to our readers and editorial independence. We don’t compare all products in the market and may receive compensation when we refer you to our partners, but this does not influence our opinions or reviews. Learn more about Finder.

Picking a cheap plan is no different to picking a high cost one, although you do have to hunt around to make the most of your meagre spend. Many plans with great inclusions at this budget are prepaid, meaning you'll never have to pay excess usage fees.

Compare cheap mobile plans for under $20 here

If you're looking for a cheap mobile plan to get you through every season, consider these plans under $20. While $20 might not seem like much, many providers offer great deals on data if you're a new customer.

How to choose a cheap mobile plan

Picking a cheap mobile plan is finding a balance between what you absolutely need and what you can go without. Here are the top things to consider when you're browsing through cheap mobile plans.

  • Data. Data's the biggest contributor to cost for any mobile plan, so keeping it low can save you heaps. Just remember that if you're routinely going to break your limit, a cheap plan will end up being significantly more expensive and less worthwhile.
  • Consider MVNOs. Purchasing a plan with a big carrier like Telstra or Optus brings some brand security and neat features, but they usually won't be the cheapest choice. Instead, consider going with an MVNO that uses their networks for a more affordable option.
  • Extras. Cheap plans tend to pare down on the bonus features you get like free streaming or other goodies. These extras can be nice, but only if you're going to take advantage of them. Leave them out and save.
  • Downgrade your contract. Even if you're locked into a long-term phone contract, you might be able to save. Most providers will let you switch between a specific set of plans without breaking your contract, allowing you to downgrade to a cheaper one.
  • Watch billing periods. Some prepaid plans come with 28-day recharge periods, while others offer the full month. 28-day expiry periods will end up costing you at least an extra recharge fee per year.
  • Talk minutes. The cheapest mobile plans (usually under $10) can limit how many minutes of calls you can make, even within Australia. If chatting is important to you, steer clear.
Promoted
Pay $38 for 100GB of data per month with Circles.Life.

Are prepaid or postpaid plans better if I want a cheaper deal?

While neither type of plan is inherently cheaper, you'll always know what you're paying with a prepaid plan since your service gets cut off when you hit your limit. Here's a quick rundown of how they compare.

Feature Prepaid Postpaid
Payment made At the beginning of the month At the end of the month
Plan value Moderate Usually better in terms of data per dollar
Excess data charges Never Can be quite excessive
Extra features Rarely Often
Promotional deals Sometimes Sometimes

What other options are there for cheap mobile plans?

Some of the cheapest possible plans are expressly designed for people who rarely use their phones or who just don't use much data at all. Many providers have long-expiry plans where you purchase a certain amount of credit and then are charged for each call you make, text you send or bit of data that you use.

See our guide to browse through the best-value long-expiry mobile plans on offer.


Latest mobile plans headlines

Image: Shutterstock

More guides on Finder

Latest mobile plan deals on Finder

Ask an Expert

You are about to post a question on finder.com.au:

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • finder.com.au is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Finder only provides general advice and factual information, so consider your own circumstances, or seek advice before you decide to act on our content. By submitting a question, you're accepting our Terms of Use, Disclaimer & Privacy Policy and Privacy & Cookies Policy.
Go to site