Five bills, a couple of questions each. We hold what you pay against deals on sale today and show you the difference, with the working. Free, nothing to sign up to, and your answers stay in your browser. Got a bill to hand? Photograph it and the answers fill themselves in.
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Step 1 of 5
Your mobile
A text settles whether you can leave, and an out of contract phone can be switched today.
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The full guide
How to check each bill, and switch it
The audit tells you where you stand. This is how to act on it: what to check, what to text, how the switch works and what you are entitled to if it goes wrong.
By William, MoneyHQ deal editor · Facts checked on
Mobile phone
Ofcom found that buying a handset outright with a SIM only plan was on average £10.54 a month cheaper than buying both from a provider in 2025, and providers do not all cut your price when a handset contract ends.
1
Check whether you are out of contract
Text INFO to 85075. It is free, and the reply tells you whether you are still in contract and what you would be charged to leave early.
Or look in your provider's app, where the contract details sit under your account.
Your provider must also contact you between 10 and 40 days before your contract ends, with your new price and its best deals.
If your handset contract has ended, check your bill. Some providers cut the price automatically, others do not, and a SIM only deal is usually cheaper.
Find your monthly cost and your data allowance on your bill or in the app.
Then find what you actually use. Ofcom says the average mobile data user used 11.8GB a month in 2025, so many people pay for far more than they need.
3
Compare
Compare SIM only deals for the data you really use, not the allowance you have now.
Look at the price for the whole contract. Many deals rise each spring, and the rise must be shown in pounds and pence before you sign up.
4
Switch
Text PAC to 65075 to keep your number, or STAC to 75075 if you do not want to keep it. It is free, the code arrives within a minute and it is valid for 30 days.
Give the code to your new provider. The switch must be completed within one working day, or on a later date you choose.
You do not need to call your old provider. Using the code ends the old contract, and you cannot be charged for notice after the switch date.
Ofcom found that out of contract customers paid on average £7 a month more for standalone broadband in 2025, and £9 more when it came with pay TV.
1
Check whether you are out of contract
Log in to your provider's account online or in its app and look for your contract end date.
Or ask your provider. It must also contact you between 10 and 40 days before your contract ends, with your new price and its best deals.
Once the minimum term is over you can leave whenever you like, and the price you are on is usually not the provider's best one.
2
Work out what you are paying for
Find your monthly price on your bill or direct debit.
Note your speed in megabits per second. It is on your bill or in your account, and it is the thing to compare like for like.
3
Compare
Broadband is sold by address, so enter your postcode to see what actually reaches your home.
Compare the cost over the whole contract: the monthly price, any setup fee, any rise written into the contract, and any reward for switching.
A reward card or bill credit usually has to be claimed after you are connected. Read how before you rely on it.
4
Switch
Since September 2024, One Touch Switch means your new provider arranges the whole switch, whichever network you are moving between. You do not need to contact your old provider.
Your new provider gives you a switch date. Some switches complete in as little as one day; allow longer if a new line or router is needed.
You may need an engineer visit or a new router, particularly when moving to a different network. Your new provider must tell you before you sign up.
Know your rights
If your provider raises your price by more than you agreed when you signed up, it must give you 30 days' notice and you can leave without penalty within 30 days of being told. A rise that was written into your contract gives you no right to leave.
If your provider has signed Ofcom's speeds code and your download speed stays below the guaranteed minimum, it has 30 days to fix it. If it cannot, you can leave without penalty.
If you signed up online or by phone you have 14 days to cancel. You may be charged for any service you have already used.
You should not be left without service for more than one working day during a switch. If you are, compensation applies at providers signed up to Ofcom's scheme.
Ofgem's price cap is £1,723 a year for a typical household until 31 December 2026. Cornwall Insight forecast on 30 September 2026 that it will rise 16% to £1,999 in January, and Ofgem confirms the figure on 25 November 2026.
1
Check which tariff you are on
Log in to your energy account online or in your supplier's app and find your tariff name.
A standard variable tariff is capped by Ofgem, and moves when the cap moves every three months. It is often not the cheapest option: in August 2026 Ofgem said fixed deals were available for £100 or more below the October cap.
If you are on a fixed tariff, note the date it ends.
2
Work out what you use
Find your yearly use in kilowatt hours for gas and for electricity. It is on your bill and in your account.
Note your unit rates and standing charges. Those four numbers are what a comparison is really measuring.
3
Compare
Enter your postcode and your yearly use to see fixed deals priced for your home.
A fix protects you if the cap rises and costs you if it falls. Some fixed deals cost more than today's cap, so compare the yearly cost, not the headline.
Check the exit fee on any fix before you take it.
4
Switch
Your new supplier arranges the switch and must complete it within 5 working days, or pay you £40. You do not need to contact your old supplier.
You have 14 days to change your mind.
Take a meter reading on the day of the switch, so the final bill from your old supplier is right.
Know your rights
On a fixed tariff your rates cannot rise during the term, except for tax changes.
You can leave a fixed tariff without an exit fee in its last 49 days. Outside that window, check the tariff's exit fee before you switch.
You may not be able to switch if you have owed your supplier money for more than 28 days. If your landlord pays the energy bill, the choice of supplier is theirs.
Moneyfacts put the average easy access rate at 2.53% in September 2026, while easy access accounts at the biggest high street banks averaged 1.16%, with some paying 1% or less.
1
Check what you are earning
Log in to your bank and find the interest rate on your savings account. It is usually under the account's details.
If the account came with a bonus rate, check when the bonus ends. The rate often drops sharply afterwards.
2
Work out what that costs you
Multiply your balance by the gap between your rate and a better one. On £5,000, the difference between 1% and 4% is £150 a year.
The audit above does this sum with your own balance and today's top rate.
3
Compare
Compare like with like: easy access with easy access, fixed with fixed. A fixed rate is higher because your money is locked away.
Check the limits. Some top rates only apply up to a set balance, or only if you pay in every month.
4
Move your money
Open the new account online. It usually takes about ten minutes.
Transfer your savings across, then close the old account or leave a small balance in it.
Set a reminder for when any bonus rate ends, so you can move again.
Know your rights
The Financial Services Compensation Scheme protects up to £120,000 per person, per authorised firm. Brands that share one banking licence share one limit.
Basic rate taxpayers can earn £1,000 of savings interest a year tax free, higher rate taxpayers £500, and additional rate taxpayers nothing.
Banks pay new customers to switch their current account, and the Current Account Switch Service moves everything for you in seven working days.
1
Check whether you are missing a switching bonus
Look at which banks are paying a bonus today, and what each one asks for.
Check whether you have had a bonus from that bank before. Most will not pay twice, and many will not pay someone who already banks with them.
2
Compare
Read the conditions, not just the amount. Most bonuses need a full switch, a set amount paid in and direct debits moved, inside a deadline.
Check any monthly fee on the account. A bonus on an account that charges a fee can cost more than it pays.
3
Switch
Apply to the new bank and ask for a full switch. The Current Account Switch Service moves your balance and all your payments in and out, on a date you agree, in seven working days.
Your old account is closed. Payments sent to it are redirected to the new one.
If anything goes wrong with the switch, any interest or charges it causes are refunded under the guarantee.
4
Switch again, if it suits you
You can switch more than once, but each bank sets its own rules. Most will not pay a bonus if you have had one from them before or already bank with them.
Know your rights
Opening a new current account usually involves a credit check. One switch has a small, temporary effect, but several in a short time can lower your score, so avoid this before a mortgage or loan application.
Savings accounts and ISAs are not covered by the switch service. It moves current accounts only.
Yes. Texting PAC to 65075 is free, and your provider must reply within a minute with a code that is valid for 30 days. Texting INFO to 85075 and STAC to 75075 are free as well.
Does requesting a PAC code cancel my contract?
No. Asking for a code changes nothing. Your old contract only ends when you give the code to a new provider and the switch completes. If you do not use the code within 30 days it simply expires.
How do I find out if I am still in contract?
For a mobile, text INFO to 85075 and the reply tells you whether you are in contract and what leaving early would cost. For broadband and energy, the end date is in your online account or app, and your provider must contact you before a mobile or broadband contract ends.
How long does it take to switch broadband?
There is no fixed number of days. Under One Touch Switch your new provider arranges everything and gives you a switch date. Some switches complete in as little as one day, and it takes longer if a new line or router is needed.
Do I need to tell my old provider I am leaving?
Not for mobile, broadband, energy or a current account. In each case the new provider or supplier arranges the switch. For a mobile you give your new provider the PAC or STAC code; for the others you only deal with the new company.
How long does it take to switch energy supplier?
Your new supplier must complete the switch within 5 working days, or pay you £40 automatically. You also have 14 days to change your mind.
Should I fix my energy prices?
It depends on the fix and on what the cap does next. A fixed tariff protects you if the cap rises and costs you if it falls. Cornwall Insight forecast on 30 September 2026 that the cap will rise 16% in January, and Ofgem confirms the figure on 25 November 2026. Compare the yearly cost of a fix for your own home against what you pay now, and check its exit fee.
Can I leave a fixed energy tariff early?
Yes, but there may be an exit fee. Suppliers cannot charge one in the last 49 days of a fixed tariff, so inside that window you can switch for free.
Can I switch bank accounts more than once to get more bonuses?
The Current Account Switch Service does not limit how often you switch, but each bank sets its own rules. Most will not pay a bonus to someone they have paid before or who already banks with them. Each switch usually involves a credit check, so avoid several in a row before a mortgage or loan application.
Does the Bill Audit keep my answers?
No. The audit works everything out in your browser. Three things reach MoneyHQ, and only when you ask for them: your postcode, to look up the broadband deals on sale where you live; a bill you choose to photograph, which is read once; and your answers, if you ask us to email your audit. None of the three is stored. If you ask for the email we keep your email address and any contract dates you gave, so we can remind you before a contract ends.
The audit compares what you tell us with deals MoneyHQ lists, which is not every deal on the market. Some links on the pages it sends you to earn MoneyHQ a commission, which never changes the order we show things in or the price you pay. How we make money. This is information, not financial advice.
