There’s no perfect plan, just the right one for how you use your phone. Here’s how to cut through the noise, figure out what you actually need, and avoid paying for things you won’t use.
TL;DR – Quick Takeaways
- Most people need 20–40GB data – less if you’re on WiFi a lot, more if you stream or hotspot
- No-contract plans save money and give you flexibility – you can change or cancel anytime
- Check what network the plan uses – MATE runs on the Telstra Wholesale Mobile Network
- Students: look for no lock-in and affordable data – you don’t need unlimited everything
- Don’t pay for features you won’t use (international calls, excess data banking, etc.)
How Much Data Do You Actually Need?
Pick this right and you’ll save money every month. Pick wrong and you’re either paying for data you never touch or running out on a Tuesday.
| Data Amount |
What You Can Do |
Good For |
Best For |
| 5–10GB |
Light browsing, messaging, maps, occasional social media. Mostly on WiFi. |
Retirees, people working from home, light phone users |
Anyone mostly on WiFi throughout the day |
| 20–30GB |
Regular social media, music streaming, video calls, daily browsing. WiFi at home and work. |
Most people – this is the sweet spot |
Everyday users with home and work WiFi access |
| 40–60GB |
Video streaming on commutes, heavy social media, regular hotspot use, lots of video calls. |
Commuters, field workers, heavy users |
People who rely on mobile data during the day |
| 80GB+ |
Constant streaming, mobile hotspot as main internet, gaming, video creation. |
Road warriors, content creators, people with no home internet |
Heavy users who need data as a backup or primary connection |
| Unlimited |
Stream, download, and hotspot without ever checking a counter. |
People who hate worrying about usage |
High-volume users who want zero stress |
Tip: Most people overestimate what they need. Before you choose, check your actual usage – iPhone: Settings > Cellular > Current Period; Android: Settings > Connections > Data Usage. Add 20% on top and you’ve got your number.
Three Things to Sort Before You Choose
Step 1: Figure Out Your Data Need
Use the table above as a starting point, then think about your day-to-day WiFi access:
- Home WiFi + work WiFi = you need less data than you think
- Long commute or field work = you need more
- Regularly hotspot your laptop = add 20–40GB
Step 2: Go No-Contract
Unless a contract comes with a phone deal that genuinely stacks up, month-to-month is the smarter move:
- Cancel or change anytime
- No exit fees
- Competitive pricing – you’re not locked into a rate set two years ago
- Switch providers whenever you find something better
Contracts make sense only if you’re getting a phone you can’t afford upfront and the total cost works out cheaper than buying it outright.
Step 3: Check the Network
The network behind a plan matters far more than the brand selling it:
- Telstra network: Best coverage in Australia, especially in regional areas — check the coverage map for details
- Optus network: Good metro coverage, weaker in remote areas
- Vodafone network: Solid metro and regional, improving constantly
MATE uses the Telstra Wholesale Mobile Network, with predicted coverage areas in all Australian major cities, most outer-metro areas and larger regional centres, as well as many smaller towns and transport corridors — at lower prices, because we’re an MVNO. Check our coverage map.
Why No-Contract Plans Are Better
Contracts made sense when carriers subsidised expensive phones and tied you in to recover the cost. These days, most people are better off without one.
No-Contract Benefits
- Freedom: Cancel anytime, no penalties
- Flexibility: Upgrade or downgrade as your needs change
- Better pricing: No lock-in means carriers have to stay competitive
- No surprises: What you see is what you pay
- Easy switching: Move to a better deal whenever you find one
When Contracts Make Sense
There’s really one scenario where a contract works in your favour: you want a flagship phone but can’t cover the upfront cost, and the total contract price – phone plus plan over 24–36 months – comes out cheaper than buying it outright.
Run the numbers first. Most phone deals look better than they are until you add everything up. Buying the phone outright (or on interest-free finance from a retailer) and pairing it with a cheap no-contract plan usually wins.
What to Compare When Choosing Plans
Price catches your eye first, but here’s what’s worth looking at before you commit:
| Factor |
What to Look For |
| Data amount |
Enough for your usage, plus a buffer – don’t pay for gigabytes you’ll never use |
| Network coverage |
Which network does the plan run on? Coverage matters more than the brand selling it |
| 5G access |
Worth it if you have a 5G phone and live or work in metro areas |
| Calls and texts |
Unlimited talk and text to standard Australian numbers is standard on most plans now |
| International calls |
Only pay for this if you regularly call overseas numbers |
| Contract length |
Month-to-month wherever possible |
| Customer service |
Australian-based support is worth looking for – it makes a difference when something goes wrong |
| Excess data charges |
Some plans charge for going over your limit, others just slow you down – know which applies |
| Data rollover |
A nice feature, but don’t pay significantly more to get it |
Mobile Plans for Students
Between moving cities, changing budgets, and time overseas, student life doesn’t sit still. Here’s what to look for in a plan that keeps up:
1. No Lock-In
Semester schedules shift, budgets tighten, and plenty of students spend a chunk of the year overseas. A plan you can pause, downgrade, or cancel without penalties is worth more than any fancy feature set.
2. You Don’t Need Unlimited Everything
Campus WiFi, library WiFi, home WiFi – you’re probably connected to something most of the day. Start with 20–30GB and only upgrade if you actually run short.
3. Consider Prepaid
Prepaid keeps spending predictable – you top up what you need and can’t go over budget. Good if you’re watching every dollar.
4. International Students: Check Roaming
If you head home during semester breaks, check international roaming costs before you go. Some plans let you pause service while you’re away, which can save you paying for a month you won’t use.
Student Money-Saving Tips
- Check what you’re actually using before you choose a plan
- Use campus, library, and home WiFi as much as you can
- Avoid phone contracts – a mid-range phone bought outright plus a cheap plan usually beats a bundled deal
- Prepaid is worth considering if you want a hard cap on spending
- Don’t add international calls unless you make them regularly
Quick Money-Saving Tips
- Match your data to what you actually use: Check your usage first – don’t pay for a buffer you’ll never need
- Avoid contracts: Month-to-month plans are usually cheaper and easier to change
- Skip features you won’t use: International calls, data banking, premium support – only pay for what applies to you
- Lean on WiFi: Download content at home, update apps on WiFi, use WiFi calling when you can
- Consider prepaid: If you want to cap your spending, prepaid removes the risk of bill shock entirely
- Choose the right network: MVNOs like MATE use major networks but charge less than going direct to the big carriers
Frequently Asked Questions
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What’s the Difference Between Prepaid and Postpaid?
Prepaid means you pay before you can use telecommunication services; you simply top up your credit and spend it down. Postpaid means you use the service throughout the month and get billed at the end. Postpaid tends to offer better value if you’re a heavy user; prepaid suits anyone who wants to know exactly what they’re spending.
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Can I Keep My Phone Number When I Switch Plans?
Yes. Number porting is standard in Australia. Your new provider handles the transfer – it usually takes a few hours on activation day.
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Do I Need 5G?
Only if you have a 5G phone and spend time in areas with 5G coverage — check our coverage map to see what’s available in your area. 4G is still fast enough for most things – if you’re on a 4G device, don’t pay extra for it. To access 5G, you’ll need a 5G compatible device and be within a 5G coverage area. 5G is now available in most metro and regional areas and continues to expand (coverage map).
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What Happens If I Run Out of Data?
Depends on your plan. Some providers slow your speed down so you can still browse, just not quickly. Some charge excess fees. Some cut you off. MATE slows your speed rather than charging extra – so no nasty bill at the end of the month.
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Are MVNOs as Good as the Big Carriers?
MVNOs rent network access from the big carriers and sell plans at lower prices. MATE uses the Telstra Wholesale Mobile Network. While there are some differences in coverage, speed caps and services compared to Telstra retail, you’re getting great value mobile without the big telco price tag. Check our coverage map to see what’s available in your area.
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Can I Share Data Between Family Members?
Some providers offer shared data pools. MATE doesn’t currently, but individual plans matched to each person’s actual usage often work out cheaper than a shared plan anyway.
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What’s the Difference Between Standard Calls and International Calls?
Standard calls are to Australian numbers, including mobiles and landlines. International calls, text messages and MMS usually cost extra unless your plan specifically includes them.
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Do I Need a New SIM Card When I Switch Providers?
Usually yes. Your new provider sends a physical SIM or eSIM QR code. Swap it in and your old SIM deactivates. If you go eSIM, there’s no card at all – it activates by scanning a QR code.
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How Long Does It Take to Activate a New Mobile Plan?
Physical SIM: 1–3 days for delivery, then instant activation. eSIM: delivered by email, active within minutes. If you’re porting your number, add a few hours on top on activation day.
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What’s Data Throttling?
When you hit your data limit, some providers reduce your speed rather than charging you extra or cutting you off. You can still browse and message – just not at full pace. Typical throttled speeds are around 1–2Mbps instead of full 4G or 5G.
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Can I Pause My Mobile Plan If I’m Travelling Overseas?
Depends on the provider. MATE can pause your service in some circumstances – reach out to the support team to talk through your options. If pausing isn’t possible, keeping the plan active with roaming added or picking up a local SIM overseas are both worth considering.
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Is Unlimited Data Actually Unlimited?
Usually, but read the fine print. Some plans slow your speed after a certain amount of data and call it unlimited. Check your plan’s Critical Information Summary for full details on how your data works.
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Do Mobile Plans Include Calls to 13/1300/1800 Numbers?
Most do. Premium numbers – anything starting with 19 – usually cost extra regardless of your plan. If you call specific number types regularly, check the plan details before signing up.
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What’s the Difference Between Telstra Retail and Telstra Wholesale?
Telstra Wholesale is the network infrastructure that MVNOs like MATE use. There are some differences in coverage, speed caps and services compared to Telstra retail. During heavy congestion, MVNOs sit slightly lower in priority, but most people won’t notice it day-to-day. The price difference, on the other hand, is hard to miss. Check our coverage map for details on where the Telstra Wholesale Mobile Network reaches.
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Can I Use My Phone as a WiFi Hotspot?
Yes, most plans allow it. Hotspot data draws from your regular allowance, so if you regularly tether a laptop or tablet, factor in an extra 20–40GB when picking your plan.
Download speeds are capped depending on your plan. This is the maximum potential download speed. Typical speeds may often be slower and will vary due to factors such as location, device capabilities, distance from the base station, local conditions, concurrent users, hardware and software configuration and download/upload destination.
Ready to find your plan? Check out MATE’s mobile plans – all on the Telstra Wholesale Mobile Network, no lock-in contracts, Australian-based support.