What is rollover credit and how does it work?


Your unused inclusions don't have to go to waste every month.

These days, it's taken for granted that mobile credit is a use-it-or-lose-it commodity. It doesn't matter whether you're on a prepaid plan or a postpaid plan – with most providers, any call credit you don't spend and any GBs you don't burn browsing Facebook vanish into the ether at the end of every month.

However, some providers are starting to buck this trend by offering rollover credit with select mobile plans. Rollover credit works slightly differently from provider to provider, but it essentially lets you store any unused call credit or mobile data from one month and use it in the next month – and sometimes in the months after that, too.

Rollover credit is more common on prepaid plans than postpaid plans, since it's used as an incentive to keep you recharging every month. That said, there is one provider that offers rollover credit with postpaid plans and you'll find it among the other rollover-friendly providers we've listed below.


Telstra offers rollover credit on three of its prepaid plans: two for mobiles and one for mobile broadband.

On mobile, Telstra's PrePaid Extra plans include "Data Bank", which lets you store up to 50GB of unused data so long as you recharge your SIM with more than $30 every month. Best of all, any data you bank is yours to use for as long as you keep recharging $30+.

Telstra's Long Life prepaid plans also enjoy rollover credit, with any unused value from your recharge rolling over as long as you recharge before your expiry date.

For mobile broadband, Telstra's $30, $50 and $90 prepaid recharges feature one-off rollover credit, with any data you don't use in one month rolling over to the next provided you recharge before the 28-day expiry. However, at the end of that month, the extra data will not roll over again.

Compare Telstra's mobile plans


Like Telstra, Optus supports rollover credit on its prepaid mobile and mobile broadband plans.

All Prepaid Ultimate Plus plans let you roll over up to 10GB of unused data so long as you keep recharging before your credit expires. My Prepaid Long Expiry plans, meanwhile, let you roll over unused MyCredit up to a maximum of $500 provided you recharge before expiry.

Prepaid Mobile Broadband plans with Optus also come with rollover benefits, with the ability to roll over unused data up to a maximum of 50GB for as long as you continue recharging before expiry.

Compare Optus' mobile plans


Vodafone lets you roll over credit on its prepaid phone and mobile broadband plans. Any unused credit on its 365 Plus plans will roll over up to a maximum of $1,000 provided you recharge before expiry. Meanwhile, for its prepaid mobile broadband plans, unused data will accumulate up to a maximum of 50GB so long as you keep recharging before expiry.

Compare Vodafone's mobile plans

Woolworths Mobilewoolworths-mobile-logo

Woolworths Mobile's prepaid plans all support data rollover up to a maximum of 15GB, though you have to recharge at an equal or higher value than your current plan to keep the data rolling over.

Compare Woolworths Mobile's mobile plans

Lebara Mobilelebara-logo

Lebara Mobile's Unlimited prepaid plans roll over any unused call credit when you recharge before expiry. No other Lebara Mobile plans support rollover credit.

Compare Lebara Mobile's mobile plans

Compare plans with rollover credit below

Latest mobile news

Picture: Shutterstock

Matt Sayer

Matt is a writer covering the latest tech, telco and video game news at finder.com.au. In his downtime from helping Aussies make informed decisions on their broadband, mobile phone, and streaming video plans, he likes exploring rich video game worlds and kicking back with a good book.

Was this content helpful to you? No  Yes

Related Posts

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.
Ask a question
Go to site