What happens if I can’t pay for my broadband this month?

Falling behind on bills is never easy, but when it comes to broadband, the worry can feel even sharper. Internet access isn’t just for streaming films or browsing – it’s often essential for work, school, and keeping in touch with loved ones. If you can’t pay your broadband bill in the UK, you do have options.

This guide explains what happens if you miss a payment, how providers usually respond, and the support available to help you stay connected.

What happens if you miss a broadband payment?

If you miss a monthly payment, your provider will normally contact you to let you know. At first, this may be a reminder email or letter. If the payment isn’t made, the situation can escalate:

• Your provider might restrict your service, meaning slower speeds or limits on usage.
• They may eventually suspend your connection completely until the bill is paid.
• Missed payments could be reported to credit reference agencies, which can affect your credit score.

The exact steps depend on your provider and the terms of your contract. Acting quickly, even if you can’t pay in full, can often prevent things from getting worse.

Contacting your provider

It might feel daunting, but letting your broadband company know that you can’t afford your internet payment this month is often the best first step. Many providers will discuss payment plans, allow you to defer part of the payment, or point you towards discounted tariffs.

Be clear about what you can realistically afford. Providers are used to these conversations, and you’re unlikely to be the only customer in this position.

Social tariffs: reduced-cost broadband

If you’re claiming certain benefits, such as Universal Credit, you may qualify for a ‘social tariff’ – a special broadband package offered at a much lower price.

Social tariffs can cost as little as £10 to £20 per month, significantly less than standard deals. They also tend to have:

• No early exit fees if your circumstances change
• Flexible terms compared with regular contracts
• Speeds suitable for everyday use like video calls, streaming, and online learning

Ofcom keeps a list of broadband providers offering social tariffs, so it’s worth checking if yours is included. If not, you may be able to switch to another provider that does.

Switching broadband if you’re struggling

If you’re locked into a deal you can’t afford, you might assume you’re stuck. However, there are some ways to switch without heavy penalties:

• Some providers will allow you to move to a cheaper package within your contract.
• If you’re eligible for a social tariff, you may be able to switch without fees.
• In cases of financial hardship, providers sometimes agree to reduce charges or let you leave early.

If you’re thinking about switching, make sure you understand how cancellation fees work. It may be worth speaking to your provider directly before making any changes.

What if you can’t pay at all?

If you’re unable to make any payment this month, your provider may suspend your service until you catch up. Continued non-payment could eventually see your account passed to a debt collection agency.

At this stage, it’s important to know your rights. Debt collectors must follow strict rules and can’t harass you or act aggressively.

Prioritising your bills

Not all bills are equal in terms of urgency. While broadband is important, it isn’t classed as a priority debt in the same way as rent, council tax, or gas and electricity.

If you’re juggling several missed payments, it’s worth understanding which should be dealt with first.

Other support you can explore

Broadband isn’t the only area where rising costs are hitting hard. If you find yourself regularly short each month, looking at your wider finances might help.

• You might be entitled to extra benefits or local council support.
• Reviewing your subscriptions and other non-essential spending could free up money for essentials.
• If unsecured debts like loans or credit cards are making it harder to pay bills, a debt solution might provide breathing space.

At MoneyPlus, our advisers can talk you through options such as a Debt Management Plan (DMP) or an Individual Voluntary Arrangement (IVA) – depending on your situation. You can learn more about different solutions here. You can also find free, impartial advice from MoneyHelper.

Your next steps

If you can’t pay your broadband bill in the UK, remember you’re not alone. Broadband providers are used to dealing with payment problems, and there is help available, from social tariffs to switching support.

The most important step is to act early, whether that means contacting your provider, checking if you qualify for a reduced tariff, or seeking debt advice if the problem goes beyond broadband.

If broadband costs are part of a wider money struggle, you can get debt advice from MoneyPlus. We’ll listen carefully, explain your options, and help you find a manageable way forward.