What is rollover credit and how does it work?

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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.


Telstratelstra-logo

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


Optusoptus-logo

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


Vodafonevodafone-logo

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


Virgin MobileVirgin Mobile adds extra data for Guvera listeners

Virgin Mobile lays claim to being the only Aussie telco with rollover data on its postpaid plans as well as its prepaid plans. Dubbed "FairData", the rollover applies to all of Virgin Mobile's postpaid mobile plans, but it's a little less generous than some other providers' policies. Unused data automatically rolls over for use in the next month but it will only roll over once – it expires for good after two months, no exceptions.

On the prepaid front, Virgin Mobile's rollover policies are more in line with other providers. All prepaid plans roll over unused call credit when you recharge before expiry, and Prepaid Plus plans also roll over unused data up to a maximum of 12GB. Prepaid Simple plans roll over unused data as well, but only up to a maximum of 5GB.

Virgin Mobile also offers data rollover on its prepaid mobile broadband plans, with no limit on how much data you can accumulate.

Compare Virgin Mobile'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


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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.

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