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Compare prepaid mobile phone plans

A prepaid mobile phone plan offers an easy and affordable way to take control of your phone usage.

Get 23GB for $4.90 with Kogan's XL prepaid plan for new customers

Get 23GB for $4.90 with Kogan's XL prepaid plan for new customers from Kogan

  • $4.90 for first 30 Days (New customers only)
  • Regular cost $49.90 (90% Off)
  • Free SIM card & 23GB data included
  • Unlimited standard national calls, texts & MMS
  • Limited time only. Offer ends 30.06.2018 11:59pm AEDT
  • View details

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    What is a prepaid plan?

    • Prepaid plans require regular upfront payments, versus postpaid plans, which are billed at the end of each contract period.
    • Prepaid plans have expiry periods that range from as little as 10 days up to 365 days, though most are around 30 days.
    • Prepaid plans work on a recharge basis, where you pay for an allotment of calls, texts and data to use within a period of time. Once you have used your call credit, or reached your expiry date, you buy another recharge.
    • Recharges can be purchased directly from your phone, by calling your provider or using its website, with some larger providers also offering prepaid purchase options at supermarkets and other retail outlets.

    Why would I choose a prepaid plan?

    • Fully control your mobile spending
    • Never be hit with bill shock or unexpected spending
    • Less commitment - switch carriers easily
    • Retain your mobile number with our guide on how to port your mobile number.

    A prepaid plan can also be a money saver compared to a contract plan. The total cost of buying a handset outright and then paying for a prepaid service across 24 months can be cheaper than a contract deal. Our mobile phone plan comparison tool can help you decide, by helping you compare the cost of outright buy plus prepaid to a contract deal for any phone available in Australia.

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    Prepaid vs Contract plans: our video guide

    What are the downsides of prepaid plans?

    • Service is cut off unless you recharge or top up on time
    • Data is usually more expensive when compared with postpaid plans
    • Expiry periods can be misleading - e.g. 28 days vs 1 month plans
    • If you don't have a device, buying one outright can be an big upfront cost
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    Can I get a phone with my prepaid plan?

    The typical answer to this question is no, because prepaid plans are configured for those who already have their own phone. If you want a new mobile phone to go with a prepaid service, you're going to have to shell out for its entire cost upfront.

    That said, there are a number of handsets that are sold as "prepaid" phones. These are usually cheap phones and are often locked to a given provider, so if you do want to switch providers at some point an unlocking fee may apply.

    How should I compare prepaid plans?

    • Cost of recharge: If your usage varies, it makes sense to use the flexibility of a prepaid plan by altering your monthly recharge amount, which you can typically do without penalty. However, you need to be aware of the minimum recharge amount required to maintain your phone service.
    • Data charging: Different prepaid plans come with different levels of data, and with the rise of "unlimited" call/texts packages, this is a key differentiator. If you're busy on your smartphone, go for a plan with plenty of data, but also make sure you can easily buy data top-ups and that your provider counts data charges per KB block, rather than a larger amount as this will eat up your data quickly. We have a guide to how different providers count data if you want to know more.
    • Network coverage: While there are many prepaid providers, they're all using one of just three networks, run by Telstra, Optus and Vodafone. Not all providers have access to those carrier's 4G networks, or the full network map. While network coverage maps are largely indicative rather than entirely accurate, they're a good gauge of overall coverage that can help you decide which provider to choose. Our guide to the difference between 3G and 4G covers this in more detail.
    • International coverage: If you regularly make overseas calls, or travel a lot, it's worth reading the fine print on any prepaid plan. Some providers specifically target international callers with attractive rates to call overseas or even included calling minutes to popular destinations. However, if you head overseas, it's a different story; many prepaid SIMs don't offer any roaming functions for use overseas. Even if they do, the rates for prepaid roaming are generally high, so choose carefully.
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    20 Responses

    1. Default Gravatar
      LisaMarch 21, 2018

      I’m looking for a prepaid sim that uses Telstra 4g as that’s what works the best in our location. I also want a plan that rolls over the left over data. I came across a company called ‘Belong’ that has a good plan but they don’t seem to get any good reviews. Any recommendations about them or other companies would like at least 5gb and max $30 per mths. thanks for your help :)

      • finder Customer Care
        JoshuaMarch 27, 2018Staff

        Hi Lisa,

        Thanks for getting in touch with finder.

        Data rollover is treated slightly differently depending on your carrier, but at the time of writing, Optus, Virgin, Telstra and Vodafone all have rollover provisions that work slightly differently depending on which network you’re actually using.

        Regarding Belong, it was founded back in 2013 with the aim of disrupting the Australian broadband market with value-priced ADSL and NBN plans. It later branched out in October 2017 by adding SIM-only mobile phone plans to its repertoire. Operating on parts of Telstra’s 4G and 3G networks, these plans are targeted squarely at heavy data users, packing plenty of GBs at the expense of only being able to receive phone calls by default. To make outgoing calls, you’ll need to purchase a separate call pack add-on.

        Belong’s mobile plans are strictly SIM-only, post-paid affairs, with minimal options for customisation. They all come with a no lock-in, month-to-month contract giving you the freedom to cancel at any time without having to pay any termination fees.

        I may not be able to give you specific recommendations, but you can use the table found on this page. Use our filters to narrow down your choices and specify which provider you want to show up.

        I hope this helps. Should you have further questions, please don’t hesitate to reach us out again.

        Have a wonderful day!

        Cheers,
        Joshua

      • Default Gravatar
        March 27, 2018

        Thanks Joshua we have decided to give Belong a go but my only concerns are the claim that they only operate on Parts of Telstra 4g & 3g! if they’re not totally using the Telstra lines whos else are they using or am i understanding it wrong? We have signal issues where we live and only seem to get Telstra here.

        thanks Lisa

      • finder Customer Care
        JoshuaMarch 28, 2018Staff

        Hi Lisa,

        Thanks for your reply.

        “Parts of Telstra’s 4G or 3G” means that Belong is using some of the available technology created by Telstra. According to our page, Belong only uses Telstra’s network. So, if your area has Telstra’s network, then you can expect that your phone will receive a signal. If there’s none, then you won’t be able to use your phone’s data.

        I hope this helps. Should you have further questions, please don’t hesitate to reach us out again.

        Have a wonderful day!

        Cheers,
        Joshua

    2. Default Gravatar
      ricardoFebruary 13, 2018

      hi im looking for a prepaid phone company (just simcard) that has unlimited international calls and text to USA

      • finder Customer Care
        JoshuaFebruary 22, 2018Staff

        Hi Ricardo,

        Thanks for getting in touch with finder.

        Please refer to this page to find the right sim-only plan for you.

        On that page, you will find that Lebara and Lycamobile provides unlimited calls and texts to the US.

        I hope this helps. Should you have further questions, please don’t hesitate to reach us out again.

        Have a wonderful day!

        Cheers,
        Joshua

    3. Default Gravatar
      JamnadasFebruary 1, 2018

      heard that reception from KOGAN mobiles are just 3G

      • finder Customer Care
        RobynFebruary 1, 2018Staff

        Hello Jamnadas Polra,

        Thank you for your inquiry. Please know that we are not affiliated with Kogan as you have reached finder. With regard to Kogan’s reception or speed, The Kogan Mobile network uses a mix of 4G (LTE), 3G+ and 3G coverage to carry data, calls and messages to and from your mobile device. The main difference between them is the speed at which data is transferred.
        4G is the fourth generation of mobile network technology and has been built for the internet. That means surfing, downloading, video streaming and gaming will be faster than when you’re on 3G+ or 3G.

        You may further check more information by visiting Kogan’s main website.

        Hope this helps. Should you have further questions or clarifications, please do not hesitate to contact us again.

        Best Regards,
        Robyn

    4. Default Gravatar
      BrennanOctober 19, 2017

      I am travelling to Australia and New Zealand in 2 weeks time. I will be visiting my brother in Melbourne and sister in Aukland. The total length of my trip is 14 days. First stop is in Melbourne so I can get a SIM card mailed there if necessary. I have an unlocked iPhone 6S and don’t care if I am stuck on 3G. Does a pre-paid SIM card with data plan exist which I can use data in both Australia and New Zealand?

      • finder Customer Care
        RenchOctober 19, 2017Staff

        Hi Brennan,

        Thanks for reaching out to us. Please note that we are not affiliated with any company we feature on our site and so we can only offer you general advice.

        It is possible to roam globally while using a prepaid phone plan which also includes data that you can use in both Australia and New Zealand.

        You can have a look on this page for more info and compare prepaid mobile plans.

        Cheers,
        Rench

    5. Default Gravatar
      davidAugust 7, 2017

      I have a Telstra $30 a month 2 gig laptop stick prepaid thing and a Telstra mobile phone at $50 a month for 2 gig and $10 for 1 gig if I use it all plus expensive international calls. I would like one bill for both devices with international calls for about the same prices but with more data than I have now.

      • Default Gravatar
        JonathanAugust 8, 2017

        Hello David,

        Thank you for your inquiry.

        It sounds to me that you want to consolidate both USB stick and phone in one bill. This can only happen if you’re on a postpaid plan, not on a prepaid.

        You may check this page for a sim only plan for your mobile phone needs. Click “Modify Results” and adjust the usage attuned to your needs. As for the USB stick, you can check our mobile broadband plans and customize the results based on price, usage, speed and contract.

        We urge you to consider getting both services on one provider and see if you can get a bundle discount. However, if you can find a better deal by getting them from two different providers, it will be your decision. Don’t forget to read the fine print. :)

        Hope this helps.

        Cheers,
        Jonathan

    6. Default Gravatar
      December 30, 2016

      If I don’t have a 4G compatible phone and I do not wish to change it as yet, am I limited to a carrier as I notice they all say 4G? (example, Kogan offer, Vodaphone 4G)

      • finder Customer Care
        JasonDecember 31, 2016Staff

        Hi Eve,

        Thank you for your reply.

        You may still use or avail the services of any network carriers even if your phone is not 4G capable. The advantage of having a 4G capable device is that you’ll be able to utilize faster internet connectivity that is offered by 4G network.

        Kind regards,
        Jason

    7. Default Gravatar
      AjithDecember 7, 2016

      what are definitions for “Unlimited calls”. Does this mean unlimited call;s within Australia on standard numbers including those starting with 13, 1300 and 1800-. Also what is the definition of “Standard Australian numbers”?

      • finder Customer Care
        MayDecember 7, 2016Staff

        Hi Ajith,

        Thank you for your inquiry.

        Just to confirm, which mobile plan service provider are you referring to? The “unlimited calls” feature depends on the type of plan and network provider. If you could provide a specific network/carrier, we will be able to check the coverage of the “unlimited calls” on their plan.

        As for the Standard Australian number, this is any mobile number or landline number that has been provided by an Australian carrier.

        Cheers,
        May

    8. Default Gravatar
      philOctober 26, 2016

      I am looking for a prepaid mobile plan for my elderly mother, with unlimited calls to local numbers and no data.

      What’s about?

      • finder Customer Care
        HaroldOctober 27, 2016Staff

        Hello Phil,

        Thanks for your question.

        With regards to your concern you may find this article helpful.

        I hope that helps.

        Cheers,
        Harold

    9. Default Gravatar
      maryMarch 23, 2016

      I am looking for a mobile plan with a long expiry which allows calls to the 1900 numbers

      • finder Customer Care
        BrodieMarch 31, 2016Staff

        Hi Mary,

        Optus, Vodafone, Telstra and Virgin all sell long-expiry prepaid plans. They can all be used to call 1900 numbers, but this will incur a premium fee.

        Thanks,
        Brodie

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