For many households across the UK, prepayment meters can offer a way to manage energy spending by paying for gas and electricity in advance. However, when money is tight, keeping a meter topped up can become a source of worry, particularly during periods of financial difficulty.

If you’re struggling to pay for energy or concerned about running out of credit, it’s important to know that help is available.

From emergency credit and supplier support to grants and debt advice, there are several options that may help you stay connected and keep your home warm.

Speak to Your Supplier Early

If you’re struggling to afford top-ups, don’t wait until your meter runs out of credit before seeking help.

Energy suppliers have a responsibility to support customers facing financial hardship and may be able to offer a range of assistance, including temporary credit, repayment plans and access to hardship funds.

Check if Emergency Credit is Available

Most prepayment meters include an emergency credit function designed to help when you cannot immediately top up. This can provide a temporary safety net if your credit runs out, helping to ensure you don’t suddenly lose access to gas or electricity.

The amount of emergency credit available varies between suppliers and meter types. Once activated, you’ll need to repay the amount used when you next top up, but it can provide valuable breathing space during an emergency.

Many smart prepayment meters also offer additional support, such as extra credit that can be applied remotely in certain circumstances. If you’re worried about your balance running low, contact your energy supplier as soon as possible to discuss what support may be available.

Join the Priority Services Register

If you or someone in your household is vulnerable, you may be eligible to join your energy supplier’s Priority Services Register (PSR).

The PSR is a free service that provides extra support to people who may need additional help managing their energy supply. This can include older people, those with disabilities, people with long-term health conditions, families with young children, and individuals experiencing temporary vulnerability.

Registering can provide access to services such as:

  • Advance notice of planned power cuts
  • Alternative communication formats, such as large print or braille
  • Extra support during emergencies
  • Priority assistance if your energy supply is interrupted

If you’re unsure whether you qualify, it’s worth speaking to your supplier, as eligibility criteria can vary.

Get Specialist Help

If you’re building up energy debt or finding it difficult to keep up with payments, specialist support is available.

Independent debt advice organisations can help you understand your options, negotiate with creditors and create realistic budgets. Seeking advice early can help prevent financial problems from becoming more serious.

Take a look at our list of free and impartial Local Advice Centres to view support in your area.

Energy Debt Support Grants

Some households may be eligible for grants that can help reduce or clear outstanding energy debt. British Gas Energy Trust’s Individuals and Families Fund can help clear energy debts of up to £1,700 to prepayment meters, regardless of your supplier.

To find other grants you may be eligible for, use the Turn2Us Grant Search tool.

For more help, read our blogs about energy grants to wipe out debt and how to get financial help with your electricity bills.