It's possible to slash line rental down to £8/mth with free evening and weekend calls, daytime calls to 5p/CALL and get half price calls to mobiles, maybe saving £100s a year.
If you're with BT, Virgin Media or TalkTalk you're paying too much. No one phone provider is cheapest, so this straightforward guide shows you how to quickly ensure EVERY call you make's at the lowest possible rate.
In this guide
Best Buys:
Cheap Calls Checklist
This guide focuses on easily combining tariffs to massively undercut any one standalone provider. Yet if you're willing to pay more for a one-stop shop then use a comparison site like HomephoneChoices*, Simplify Digital*, uSwitch* or Firsthelpline*.
Quick tips to slash costs without switching
For the really big savings you'll need to switch providers (see Best Buys), but there are plenty of ways to trim down bills without moving.
- Pay by direct debit. Most providers will charge extra if you pay by cash, cheque or any method other than direct debit. BT, for example, charges £1.80/month.
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Check social tariffs. If you're financially struggling or have a disability that makes using a landline difficult or necessary, speak to your provider as it may have a social tariff that allows you to access it cheaper.
For example the BT Basic* tariff is available to those on certain benefits (though who gets it is at their discretion) and costs £13.80 every three months. Plus you get £4.50 worth of calls included (not mobile calls). Outside the allowance, calls cost 10.2p/min and 3p connection. -
Know your peak. Always check when peak and off-peak is. BT and TalkTalk have changed from 6am - 6pm to 7am - 7pm, meaning you lose an hour of cheap early evening calls. Primus is 8am - 6pm.
Provider Peak times (Daytime) BT7am - 7pmTalkTalk7am - 7pmVirgin6am - 6pmPrimus8am - 6pmPost Office6am - 6pm -
Free web-to-web calls.
You can talk to anyone, anywhere worldwide for free, web-to-web on headsets via programmes like Skype and MSN messenger (see the Internet Telephony guide). Don't assume that means web-to-phone is also cheaper, often that can be undercut by other methods here.
The rest of this guide assumes you're calling from a normal phone rather than the web. -
Ditch voicemail and caller ID. If you pay BT line rental and sign-up to its voicemail services or caller ID, unless you make two chargeable or inclusive calls per month through it (i.e. all but freephones) you'll pay.
Historically if you've used another service for calls (while still paying BT for line rental) you've been able to make chargeable calls by dialling the pre-fix 1280 keeping the service free. It's no longer possible to do this with all providers, so ditch the services to keep costs down. -
Put down/redial. Unfortunately almost all 'unlimited' call packages are in fact limited. While they may say free calls in the evenings, actually that's usually only up to the first hour or so, and after that they're billed. The easy way round this is to put the phone down before the deadline's up, then redial.
Provider Free call deadline BT60 minsTalkTalk60 minsVirgin60 minsPrimus90 minsPost Office60 mins - Mobile 'call-back' pact. Free minutes on mobiles include calling landlines - free minutes on landlines DON'T usually include calling mobiles. So if you have free minutes agree a callback with friends if one of them calls a handset from a landline.
- Use override providers. It's possible to scythe down most call costs without changing phone line. Simply use a no-frills override provider where you dial a prefix number to connect to its service then pay its cost. This can cut daytime call costs from 5p a min to 5p a call, and halve the cost of calling mobiles. Full details below.
- Say no to 0870. While BT and TalkTalk include 0870 numbers as part of free minutes, Virgin and others charge up to 10p per minute. Yet you can use alternative numbers to cut the cost, see the Saynoto0870 guide for full info.
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Check your package. Don't automatically pay for the most expensive "unlimited anytime" packages if you won't use them. For example, BT's standard package has unlimited "weekend" calls to landlines, though agree to a year's contract and it'll include "evenings (after 7pm)" too.
The next level up is "anytime" calls, which means daytime calls to landlines are included too - it's free for three months, then £4.70/month. As a rough rule of thumb, it's only worthwhile if you make 1hr+ of peak-time calls each month. Though of course you can undercut these deals by switching, see the best buys for more info.
Need to install a line? Top deals
If you need to install a line, there are a few ways to cut the cost:
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Free Primus line installation, usually £69.
Sign-up for a broadband and home phone bundle with Primus via HomePhoneChoices and get free phone line installation, saving you £69 off the normal price. For full details see the Primus £16 phone bundle in the cheap bundles section. -
£30 BT line installation, usually £130.
It's currently possible to get a new BT line* for £30 which usually costs £130. It's also sometimes possible to get a totally free new line. When it is it'll be in the weekly email. -
Sign-up for BT via Sky and it may be free.
MoneySavers have suggested one way to cut the cost of getting a BT line is to sign-up for a calls package with Sky for 12 months. It'll then sometimes refund the installation cost, though it may mean installing a satellite dish at the same time. It's not official, but worth checking if you're thinking of getting Sky. - Virgin costs around £30. To install Virgin costs around £30, or even occasionally free with quick start self-install, but it gives a more limited choice and higher call costs.
Best Buys: Home Phones
There are currently some cracking home phone-only deals if you have a BT line. Yet if you're planning to switch always tell your existing provider you're leaving, as it may offer to beat/match that deal. The reason you need a BT line is, even if you pay line rental to TalkTalk, Sky or others, behind the scenes the actual line is provided by BT Openreach.
Not every package is available at the cheapest price everywhere - it can vary with location
Cheapest landline-only line rental:
Primus: £6.79/mthLine rental, 12-month contract
- Price: £6.79/month
- Free calls : None
- Connection: None
- Contract 12 months
- Allows Override Providers? Yes (Gave MSE written guarantee lasting until June 2012 at least)
| 50% | 37% | 13% |
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 |
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| Good | OK | Poor |
| June 2011 | Voters: 197 | ||
It's possible to get Primus Line Rental Saver for just £6.79/month if you sign-up for a year via comparison site HomephoneChoices* until further notice.
As a comparison BT's standard line rental is £13.90 a month and includes free calls to UK landlines at weekends.
You don't get any inclusive calls with this so it's best for low call users. Evening and weekend calls cost 1p/min, daytime calls 6p/min plus an 11p connection charge per call.
Yet this can be beaten by using no frill override providers to access cheaper call costs. See the Supercheap call costs section.
Primus: £7.99/mthLine rental, selected free calls, 12-month contract
- Price: £7.99/month
- Free calls : Evening & weekend - first 90 mins
- Length of Free Calls: 90 mins
- Connection: None
- Contract 12 months
- Allows Override Providers? Yes (Gave MSE written guarantee lasting until June 2012 at least)
| 50% | 37% | 13% |
| |
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| Good | OK | Poor |
| June 2011/strong> | Voters: 197 | ||
It's possible to get Primus Home Saver line rental including evening and weekend calls for just £7.99/month if you sign-up for a year via comparison site HomephoneChoices*.
Go direct and it's £8.99/month plus you get two months free which works out at £7.99, BUT it's an 18-month contract and call prices are higher.
As a comparison BT's standard line rental is £13.90 a month and includes free calls to UK landlines at weekends - though you get all this via Primus too.
BT: £10/mth (if you pay upfront)Line rental and inclusive weekend calls
- Price: £10/month
- Free calls : Weekend - first 60 mins
- Length of Free Calls: First 60 mins
- Connection: None
- Allows Override Providers? Yes
| 43% | 41% | 16% |
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| Good | OK | Poor |
| June 2011 | Voters: 4,092 | ||
If you prefer to stick with BT, it's possible to vastly slice your line rental costs. It is offering reduced line rental if you pay up front.
Pay £120 for its BT Line Rental Saver* which includes free weekend calls and over the year's contract it works out at £10/month.
Post Office: £12.25/mth incl mobile callsLine rental, evening & weekend calls, plus more
- Price: £12.25/month plus one month free
- Free calls : Eve & wknd, wknd mobiles & int'l - first 60 mins
- Length of Free Calls: First 60 mins
- Connection: None
- Allows Override Providers? Yes (says no plans to change this)
| 73% | 17% | 9% |
| |
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| Good | OK | Poor |
| Category: home phone | Voters: 223 | ||
The Post Office's basic Home Phone* package gives inclusive evening & weekend calls, weekend calls to mobiles plus weekend calls to 40 international destinations including Australia, South Africa, Spain & the USA.
So if you make more than 40 minutes of mobile calls in a month, you're better off with this than the cheaper Primus or BT.
BT: £3.53/mth covers all landline callsGets you unlimited landline minutes (inc 3 months free)
- Price: £3.53/month including three months free
- Free calls : Anytime landline
- Length of Free Calls: 60 mins
- Connection: None
- Contract: 12 months
- Allows Override Providers? N/A
If you tend to call landlines during the day as well as weekends, rather than mobiles, the BT Anytime* plan will give you free calls at all times at a flat rate of £4.70/month when you sign-up for a 12-month contract compared. Plus it gives the first three months free making it £3.53/month over the 12 months.
Alternatively if you're willing to make calls via the internet then the Skype Unlimited Country* package offers unlimited anytime landline calls within the UK for £4.59/month. Here, you need a headset or internet phone connected to your computer, and then you can call other people on normal landlines. See the internet calls guide for a detailed explanation.
Cheapest with broadband
Many phone providers offer competitive bundled deals - for comparison, remember BT's basic line rental alone costs £13.90/month. Yet the price of standalone broadband has dropped to around £6.49 a month for some (see Cheap Broadband) which means getting them separately can sometimes be cheaper.
Primus + Plusnet: From £15/mth for bothLine rental, broadband, 12 month contract
- Price: £15.36/month
- Free calls: Evening & weekend
- Length of Free Calls: First 90 mins
- Broadband: Up to 20Mb, 10GB download limit
- Connection: £25
- Contract: 12 months
- Coverage: 80% of the UK
- Wireless: Yes (£5 postage)
| 50% | 37% | 13% |
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| Good | OK | Poor |
| June 2011 | Voters: 197 | ||
Combine the cheapest landline at £6.79/mth with the cheapest broadband, currently £8.57/mth all-in, and you've got line rental, calls and broadband for £15.36/month.
Home phone: Get Primus's Line Rental Saver via HomePhoneChoices* and get line rental for £6.79/mth, if you sign-up for a year, plus 50% of Votes rated it good in our June 2011 poll.
| 78% | 14% | 8% |
| |
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| Good | OK | Poor |
| June 2011 | Voters: 1,044 | ||
Broadband: If you're in the right area, the Plusnet Value* package costs £6.49/month on a 12 month contract, plus a £25 activation fee. It scored highly in our customer service poll in June 2011.
Plusnet has a 10GB monthly download and upload limit enforced in the daytime, but unlimited downloads from midnight-8am. Go over the daytime allowance and it's £5 for 5GB. Like most broadband deals, it isn't universally available at the cheap price - 80% of the UK can get it, the rest'll pay more. Check your postcode with it to see if you can.
Primus: £16/mthLine rental, eve & wknd calls, b'band & free installation
- Price: £15.78/month
- Free calls: Evening and weekend
- Length of Free Calls: First 90 mins
- Broadband: Up to 24Mb, 40GB download limit
- Connection: Free
- Contract: 18 months
- Coverage: 80% of the UK
- Wireless: Yes
| 50% | 37% | 13% |
| |
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| Good | OK | Poor |
| June 2011 | Voters: 197 | ||
Get broadband for £2.99/month and line rental including calls for £12.79/month (£15.78/month in total) with Primus when you sign-up by phone via HomePhoneChoices*. Plus you'll get free landline installation or reconnection, worth £69. The deal is ongoing.
Anyone needing a brand new line, reconnecting an old BT one or switching from another provider such as TalkTalk, Plusnet, O2 and Sky can save. BT's standard cost for the same is £130, so this is a big saving on top of a cheap bundle. If you're a Virgin Media customer you can also switch to Primus for free, but you'll lose your existing phone number.
| 60% | 25% | 15% |
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| Good | OK | Poor |
| June 2011 | Voters: 20 | ||
What do you get?
Over the 18-month contract you get line rental plus evening and weekend calls. Half of Primus customers rated this home phone service "good" in our June 2011 poll.
You also get broadband with speeds of up to 24Mb, a 40GB download limit and a free router. Data costs £2/GB if you exceed your monthly allowance. If you don't opt for paperless billing or don't pay by direct debit you'll be charged an extra £1.80 for each.
80% of the UK can get Primus broadband, so check your postcode first to see if you can.
Plusnet bundle: From £16.32/mthLine rental, broadband, 12-mth contract, eve & wknd calls
- Price: From £16.32/month
- Free calls: Evening & weekend
- Length of Free Calls: First 60 mins
- Broadband: Up to 20MB, 10GB download limit
- Connection: Free
- Free International Calls: No
- Contract: 12 months (or pay £25 for no contract)
- Coverage: 70% of the UK
- Wireless: Yes (£5 postage)
| 79% | 15% | 6% |
| |
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| Good | OK | Poor |
| June 2011 | Voters: 544 | ||
| 78% | 14% | 8% |
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| Good | OK | Poor |
| June 2011 | Voters: 1,044 | ||
Sign-up via Broadbandchoices* before 23 August and you can get four months free broadband and free connection.
If in a Plusnet low cost area (check availability), Plusnet's Value package usually costs £6.49/mth on a 12-month contract, plus line rental costs an extra £11.99/mth. However, factor in the four months free broadband, and its £16.32/mth all in.
What do you get?
Plusnet has a 10GB monthly download and upload limit, but offers unlimited downloads from midnight-8am - so schedule all your downloading to be done at night to avoid going over your limit. If you do go over the limit, it's £5 for an extra 5GB.
70% of the UK can get the cheap deal, the rest'll pay more. Check your postcode to see if you can.
TalkTalk bundle: £17.48/mthLine rental, broadband, calls, 12-month contract
- Price: £17.48/month
- Free calls: Evening & weekend
- Length of Free Calls: First 60 mins
- Broadband: Up to 24Mb, 40GB download limit
- Free International Calls: No
- Connection: Free
- Contract: 12 months
- Coverage: 85% of the UK
- Wireless: Free wireless router
| 40% | 34% | 26% |
| |
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| Good | OK | Poor |
| June 2011 | Voters: 2,102 | ||
The TalkTalk Essentials* package, which includes broadband and evening and weekend calls, is free for the first three months, then £6.50 for the remainder of the 12-month contract, until 15 Sept for all new customers.
TalkTalk is also waiving the connection fee (usually £29.99), so all-in with line rental at £12.60/mth, it works out to £17.48/mth.
TalkTalk's customer service rating isn't the best though, so you may want to factor this in when deciding if TalkTalk is right for you.
What do you get?
For this you get evening and weekend landline calls for the first 60 mins (so hang-up and redial beforehand), plus up to 24Mb broadband with a 40GB download limit. 85% of the UK can get the cheap TalkTalk package - if you're out of area it will cost more and you won't get the extra discounts; check your eligibility*.
Existing customer specials
Extra-cheap deals for Orange, Sky and O2 customers
If you've an O2 or Orange mobile contract (or topped-up PAYG Sim), or a Sky TV package, some current special offers can cut the cost further.
Orange: Existing customer deal £19/mthLine rental, up to 20Mb broadband, 18-month contract
- Price: £19/mth
- Free calls: Evening & weekend to UK landlines
- Broadband: Up to 20Mb, unlimited downloads
- Free International Calls: No
- Connection included: Yes
- Contract: 18 months
- Coverage: 85% of the UK
- Wireless: Yes (£5 postage)
| 45% | 36% | 19% |
| |
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| Good | OK | Poor |
| June 2011 | Voters: 171 | ||
| 38% | 27% | 35% |
| |
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| Good | OK | Poor |
| June 2011 | Voters: 353 | ||
Existing Orange mobile customers can get line rental, unlimited off-peak landline calls and unlimited downloads with speeds of up to 20Mb for £19/mth - £5 less than non-Orange customers.
No Orange mobile? If so, it works out much pricier at £24/mth all in as you won't get its cheaper rate or three months free offer. Yet as it offers Free Sim Cards, this effectively means anyone can get the cheaper rate - you'll need to have topped up by at least £10 in the last three months however.
Sky: From £12.25/mthLine rental, up to 20Mbps broadband, 12-month contract
- Price: From £12.25/month
- Coverage: 70% of the UK
- Free calls : Evening & Weekend
- Length of Free Calls: First 60 mins
- Contract: 12 months
- Coverage: 70% of the UK
- Wireless: Yes
- Connection: Free for new Sky customers, £60 for existing Sky customers
- Broadband: Up to 20Mb, 2GB
| 54% | 34% | 12% |
| |
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| Good | OK | Poor |
| June 2011 | Voters: 1,142 | ||
If you want Sky telly, getting your home phone & broadband* from it as well is likely to work out cheapest.
Home phone: Sky charges £12.25/mth for basic line rental, which comes with free evening and weekend calls to numbers beginning 01, 02, 03 and 0870 (for the first 60 mins - hang-up and redial to avoid charges). Or pay for 12 months upfront and it charges £9.95/month.
Other call charges aren't hugely competitive, with anytime local calls at 7.6p/min and 12.5p call connection fee. Calls to mobiles are also steep at 12.7p/min daytime, so this deal's best for heavy broadband users that won't often use the phone.
| 46% | 28% | 26% |
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| Good | OK | Poor |
| June 2011 | Voters: 1,276 | ||
Broadband: You get up to 20Mb dowload speed with a 2GB monthly usage limit and no traffic management on its Everyday Lite package. This is usually £5/mth if you've Sky TV, but free if you take Sky Talk line rental as well. Sky's broadband generally has decent feedback, though check you'll be able to get a decent enough line speed before buying - see Cheap Broadband for how.
O2 from £15.83/mth Line rental, up to 20Mb broadband, 12-month contract
- Price: From £16/month
- Free calls : Extra £2.50/mth for eve & weekend
- Length of Free Calls: First 60 mins
- Contract: 12 months
- Coverage: 70% of the UK
- Wireless: Free wireless router
- Free International calls: No
- Connection: £0 for O2 custs, £25.53 otherwise
- Broadband: Up to 20Mb speeds, 20GB download limit
| 79% | 15% | 6% |
| |
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| Good | OK | Poor |
| June 2011 | Voters: 345 | ||
O2*'s Basics home phone and broadband package usually costs £16/month for O2 mobile customers, or £5 more + £25.53 connection fee otherwise.
Home Phone: This includes basic line rental, though it's an extra £2.50/mth if you want its evening and weekends calls package. Elsewhere, call charges are reasonable if not earth shattering; daytime local calls are 4.5p/min, calls to mobiles 12p/min daytime, 7p evenings, and 9p connection fee on calls that aren't inclusive. It also allows you to use override providers.
| 79% | 15% | 6% |
| |
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| Good | OK | Poor |
| June 2011 | Voters: 915 | ||
Broadband: You get up to 20Mb with a 20GB download limit, and and a home phone line with free evening and weekend calls. O2's won 'best broadband provider' for 3 years running, so it comes with a good pedigree and excellent customer feedback. Its home phone's new though, so it's a bit of an unknown entity.
Cutting cable landline costs
Virgin Media
For most people, cable means Virgin Media, which took over the merged NTL and Telewest a few years ago. Unlike providers that use a BT phone line, Virgin uses cable technology, so switching can be difficult. There are ways you can keep your costs down though.
- Haggle down the cost.
Virgin is hunting for market share, and is voraciously fighting to keep customers. You can use this to smash down your costs. Note down the best deals below, call it up quoting these, and say you're considering leaving, as it's too expensive.
Often the result's a reduced price or a number of months for free. If it isn't, do consider leaving. Many MoneySavers have repeatedly succeeded with this, so do try it. Add your feedback and read others' in the Virgin Media Discounts discussion; the Cheap Digital TV guide has more tips. - Cut individual call costs.
Virgin calls are often expensive, especially calling mobiles at up to 29p/min. Yet you can legally bypass this to nearly halve the cost - see the next section.
Get supercheap costs for every call...
All the main call packages include some
For almost all of these, the way to save is with a no-frills override provider that you can access without changing phone company (if this is new to you, read a quick override provider briefing). Some providers block override providers or can charge more, so check yours first with a test call.
Halve the cost of calling mobiles
While they advertise free calls, most providers exclude those to mobiles, as they're far more expensive and make up the biggest proportion of the bill, meaning big bucks for phone companies. Yet it's easy to halve the price.
Most providers charge a connection fee plus around 12p a min for daytime mobile calls, but set-up an account and direct debit with the overall cheapest override provider, 18185 (it's occasionally beatable for specific calls), then dial that number before you call a mobile and your call cost is reduced to a 5p connection then 6p a min - though the price is less competitive at weekends, so do compare it to your normal provider for then.
While BT, Primus and Post Office allow the use of 18185 prefix, some providers can block its use (e.g. Virgin, TalkTalk). If so, its website lists alternative access numbers you can use, though the price varies. Alternatively, use the daily updated UK CallChecker to find the cheapest non-account needed providers which cost as little as 6p/min.
For a detailed explanation, and alternatives in case your provider blocks 18185, read the Full Briefing: Cut The Cost Of Calling Mobiles
Calling landlines during the day
If your package doesn't include daytime calls to landlines, then it can be expensive. BT charges 7.6p/min and TalkTalk's about the same, to call landlines during the day. Yet it's easy to slash this cost:
- 18185 charges 5p per CALL
Specialist override provider 18185 wins again, at just 5p to call a landline, no matter how long you chat (so an hour here is 5p compared to over £3 on normal providers). See the mobiles section above for a more detailed explanation of how it works.
| Provider | Cost per min | Cost of one hour's call |
|---|---|---|
BT |
7.6p/min |
£4.69(1) |
TalkTalk |
7.6p/min |
£4.69(2) |
Primus |
4p/min |
£2.51(3) |
Cheapest override provider |
0p/min |
5p |
| Prices correct at 1 August 2011. (1) Includes 11.5p connection charge. (2) Includes 12.5p connection charge. (3) Includes 11p connection charge. | ||
- Other override providers cost as little as 0.5p/min
If your provider blocks account-needed override providers like 18185, it's still possible to slash the cost by using simply dial providers. Just call an 0844 number which will allow you to call at a special cheap rate from as little as 0.5p/min.
To find the cheapest override provider, use the daily updated UK CallChecker. However, charges from non-BT lines vary, while TalkTalk tends to keep prices in line with BT. - Upgrade your package
If neither of those suit, and you make enough calls to justify it, if you can upgrade your package and pay a few pounds more a month to get the calls included for free.
Cut the cost of calling abroad
If your package doesn't include calls abroad or excludes a country you're dialling, be careful; it may be hideously expensive. Instead, there are a number of cost cutting options.
- Override providers cost as little as 0.4p/min
Again, specialist override providers cost a fraction of main providers' prices and you won't need to change your phone line. For a full guide to this see the Cheap International Calls guide, which includes info on daily updated cheapest providers for every country.
As an example, you can call the US or Spain for 40p for AN HOUR, while BT's standard would be over £10 to the US, or Virgin's £35 to Spain.
-
Skype £5.74/month for unlimited calls to Europe
Skype's Unlimited Europe* package provides web to phone calls to 24 EU countries for £5.74/month. If you call non-EU countries the Unlimited World* package, which costs £9.19, includes the EU countries plus Australia, China, Guam, Republic of Korea, Puerto Rico, Canada, Chile, Hong Kong, Japan, Singapore, Taiwan and the USA.
Or if it's just the US and Canada you need to call, Vonage* comes up trumps charging £7.99/month. For a full briefing and options read Cheap International Calls and Voip: Free Calls Via Your PC guides.
Can you grab cashback on top?
It's often possible to get extra cashback when you sign-up for a home phone package. Yet it isn't done direct. To get it, sign-up via specialist cashback websites. These use affiliate links to generate revenue, and if they get paid when you get it, they give some or all of it to you.
Always first check that it's an identical product, and clear any cookies if you've already clicked through. Remember, as the cashback isn't coming from the product provider, but playing the system to an extent, it's never 100% guaranteed and there can be problems.
Therefore it's generally best to first pick the right product and see the cashback as an added extra. For more information, pros and cons, and to find which cashback providers pay most for any product, see the Top Cashback Sites guide.
What's more, sometimes there are special higher rates negotiated for the short term. These tend to have a higher payout reliability; when they happen we'll try to list them here and include it in the weekly email.
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