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Monthly Payment Plans

You pay your bill quarterly (every three months) if you have a Monthly Payment Plan.

The amount you pay (your bill total) is our estimation of your usage and charges over a three month period.

You may build up credit on your account, which will contribute towards paying a future bill, or a debit, which will be added on to your next bill. We’ll increase or decrease the fixed amount if your actual bill costs is higher or lower than we estimated.

Switch from a Monthly Payment Plan to stop paying an estimated amount

Switch to a Whole Bill Direct Debit if you prefer to pay your exact bill amount each month instead of  an estimated amount.

Your first bill will be higher than usual because you’ll pay your account balance.

Sign in to My BT or call 0800 44 33 11 to change how you pay.

Why payments increase or decrease 

Payments might increase if our estimation of your usage is lower than your actual charges, for example:

  • you use more data or make more phone calls
  • there are extra charges on your account, like for equipment or engineer visits
  • we couldn’t take a previous payment
  • you’ve added a new product, package or service
  • a discount has expired

Payments might decrease if:

  • your usage is lower than we originally estimated
  • ·you’ve changed a product or service

How to reduce your payments or balance

Make an extra payment to pay some or all your balance. This will reduce your monthly payments. You’ll need a direct debit card.

You can also stop paying based on estimated usage.

Sign in to My BT to switch to paying your actual bill balance each month, or call 0800 44 33 11.

Change your Monthly Payment Plan date

Sign into My BT to change the day you pay, or call 0800 44 33 11.

You can change twice in 12 months.

Adding a new product

You’ll need to change to a whole direct debit if take another BT product, like BT TV, BT Sport or BT Mobile. 

Understanding your bill

Your previous balance (in the ‘What’s happened since your last bill’ section)

What it shows

The amount you owed us before the current bill.

If it’s a negative with a minus ‘ – ‘ sign at the start, your account is in credit. For example -£100 means that at the end of last quarter you paid more money than you owed and this money is decucted from your bill.

Your payments (in the ‘What’s happened since your last bill’ section)

What it shows

How much you paid over the last three months. And if your monthly payment will change.

New bill charges

What it shows

The costs of your packages and usage since your last bill. 

Your regular charges

What it shows

The fixed cost of your phone, broadband or landline package. You pay in advance for the three months (quarter) ahead.

Account charges

What it shows

these are one-off charges to your account. Examples include charges for engineer visits, late payments new equipment, such as BT Hubs. 

Your payments (in the ‘How we worked out your bill schedule’) 

What it shows

How much you paid over the last three months. And if your monthly payment will change. 

Account balance 

What it shows

This is the balance of your account after the current month. If it’s a negative with a minus ‘ – ‘ sign at the start, your account is in credit. 

Your payment schedule

What it shows

Your estimated monthly bill amount over the next three months.

Term on the bill

What it shows

Your previous balance (in the ‘What’s happened since your last bill’ section)

The amount you owed us before the current bill.

If it’s a negative with a minus ‘ – ‘ sign at the start, your account is in credit. For example -£100 means that at the end of last quarter you paid more money than you owed and this money is decucted from your bill.

Your payments (in the ‘What’s happened since your last bill’ section)

How much you paid over the last three months. And if your monthly payment will change.

New bill charges

The costs of your packages and usage since your last bill. 

Your regular charges

The fixed cost of your phone, broadband or landline package. You pay in advance for the three months (quarter) ahead.

Account charges

these are one-off charges to your account. Examples include charges for engineer visits, late payments new equipment, such as BT Hubs. 

Your payments (in the ‘How we worked out your bill schedule’) 

How much you paid over the last three months. And if your monthly payment will change. 

Account balance 

This is the balance of your account after the current month. If it’s a negative with a minus ‘ – ‘ sign at the start, your account is in credit. 

Your payment schedule

Your estimated monthly bill amount over the next three months.

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