Is My Bill Fair Legit Or A Waste Of Time? My Real Experience
How do you really know if you’re paying too much for your bills?
Ask a few friends and you’ll get wildly different answers. One person pays £30 for broadband, another pays £45 and swears it’s “a bargain”. Someone else throws TV channels into the mix and suddenly you’re not comparing like-for-like at all.
That’s exactly the problem Is My Bill Fair is trying to solve.
Rather than comparing deals, it compares people – showing what others across the UK actually pay for similar services. On paper, that sounds smart. But does it work in practice?
I’ve used it myself, so here’s the straight answer.
Is My Bill Fair Review
A genuinely useful “sense check” for broadband and mobile bills, and a quick way to confirm whether you’re paying more than average. But the results rely on self-reported data, and for energy you’ll still want to double-check deals yourself (and watch out for missing referral bonuses).
Pros
- Quick “sense check” for bills
- No account required initially
- Great for broadband and SIM-only
Cons
- Data is self-reported
- Possible lost referral bonuses
Reviewed by Household Money SavingWhat is Is My Bill Fair?
Is My Bill Fair is a free UK website that shows how your household bills compare with other customers on the same provider.
Instead of saying “this is the cheapest deal”, it says “people like you pay this much on average”.
If you’re paying more than most, it can either:
- Try to negotiate a better deal with your existing provider, or
- Point you towards switching to a cheaper one
The company is owned by Nineteen21 Limited, a London-based business incorporated in 2017.
Their pitch is simple: similar customers should pay similar prices – and right now, many don’t.
Which bills does Is My Bill Fair cover?
You can currently check:
- Energy
- Broadband
- Mobile
- Pay TV
- Car insurance
Energy and broadband tend to be the most useful, with mobiles a close third.
How does Is My Bill Fair work?
The process is simple.
You head to the site, pick the bill you want to check, and enter a few details. You don’t need to create an account just to see results.
What you’re asked for depends on the bill:
- Energy – postcode and usage details
- Broadband – provider, speed and price
- Mobile – allowance and monthly cost
It helps to have a bill to hand, otherwise you’ll be guessing.
Once entered, you’ll see a graphic showing:
- What you pay
- What the average customer pays
- What the highest payers are spending
When I checked my SIM-only deal, I was paying £8.75 a month. The average for similar Vodafone users was £16, with some paying £20.
That told me everything I needed to know: I didn’t need to switch.
What happens if you’re paying too much?
If your bill looks “unfair”, you’re given two options:
1. Let Is My Bill Fair negotiate
If they work with your provider, they’ll attempt to secure a better deal on your behalf – sometimes online, sometimes by phone.
2. Switch provider
For energy, this usually means being directed to Octopus Energy.
For broadband, mobile and insurance, you’ll typically be sent to Confused.com.
You’re never forced to switch – it’s your call.
How does Is My Bill Fair make money?
The site is free, but it isn’t a charity.
They earn commission if:
- You switch provider through one of their partners, or
- Your existing provider agrees a new deal via them
That’s fairly standard in the comparison space and not something I have an issue with – as long as you know it’s happening.
Does Is My Bill Fair actually save money in 2026?
Here’s the reality.
In 2026, “fair” often just means not being ripped off rather than landing a bargain.
- The Ofgem price cap for early 2026 sits around £1,758 for a typical household
- Big discounts on energy are rare
- Most broadband contracts rise by CPI + ~3.9% every year
Where Is My Bill Fair still works well:
- Broadband – especially if you’ve been with the same provider over 18 months
- Mobile – SIM-only deals have got cheaper, and overpaying is common
Where it’s weaker:
- Energy – useful as a sense check, but genuine switching deals are limited
If you’re paying £35+ for broadband or over £12 for a basic SIM-only plan, the site will almost certainly flag you as overpaying – and it’s probably right.
The downsides (and there are some)
Let’s not pretend it’s perfect.
Self-reported data
The comparisons rely on what users enter. There’s nothing stopping someone claiming they pay £1 a month for a phone contract, which can skew averages.
You may miss bonuses
Switching energy directly via referral links can sometimes be more lucrative. For example, Octopus Energy regularly offers £50 account credit when switching via a referral – something you won’t always get through third-party sites.
No magic deals
Is My Bill Fair won’t uncover secret tariffs. Most savings come from renegotiating or switching – things you can do yourself.
Is Is My Bill Fair legit? What do other people say?
Yes – it’s a legitimate UK company and not a scam.
On Trustpilot, Is My Bill Fair currently scores around 4.5 out of 5, with many users happy they either saved money or confirmed they were already on a good deal.
The most common complaints?
- Not hearing back after submitting details
- No better deal being available
Neither of those surprise me in the current market.
My Is My Bill Fair review – final verdict
Is My Bill Fair is worth using, but it’s not magic.
Think of it as:
- A sense check, not a guaranteed saver
- A way to confirm whether you’re overpaying
- A shortcut if you hate negotiating
I like it for broadband and mobiles most. For energy, I’d still recommend checking deals yourself before switching through any middle-man.
And honestly? Even if Is My Bill Fair tells you you’re paying less than average, you should still shop around occasionally. Loyalty rarely pays.
If Is My Bill Fair shows you’re paying more than average, don’t stop there. Knowing you’re overpaying is useful – knowing exactly how to fix it is better.
Start with:
- Finding better broadband deals if your internet costs are creeping up
- Reducing heating bills if switching options look limited
- Reducing water bills if you want savings without changing supplier
- Finding cheaper mobile phone deals if you’re out of contract
FAQ
Is Is My Bill Fair free to use?
Yes. You can compare bills without creating an account or paying anything.
Is Is My Bill Fair legit or a scam?
It’s a legitimate UK service run by Nineteen21 Limited and has strong user reviews.
Does Is My Bill Fair negotiate with my provider?
Sometimes. If they work with your provider, they may attempt to secure a better deal.
Is Is My Bill Fair accurate?
It’s a useful indicator, but results rely on self-reported user data, so treat it as guidance rather than fact.
Can I save more by switching myself?
Often, yes – especially if referral bonuses or direct-only deals are available.
Click on the bill you’re most interested in and you’ll be asked to provide some extra details. How much you need to provide does depend on the bill you’re checking. For example, energy companies charge different prices depending on location, so you must share your address.
This isn’t necessary with mobiles and if you’re checking out SIM-only deals, you will just need to input the number of free minutes, texts and data you receive. You will then have to put in how much you pay each month so ismybillfair can tell you how you compare to others.
It’s always preferable if you have a bill handy so that you can make sure that you have all the correct details.
You’ll then be provided with a snazzy graphic like the following.
As you can see, for my SIM-only contract, I pay £8.75 per month. On average, other Vodafone customers pay £16 per month, with the highest paying £20.
So, that’s great news for me and means that I don’t have to search for a new contract.
But, if after seeing the results you think you’re paying too much, ismybillfair gives you two options.
- If your current provider is a company that ismybillfair works with, they will contact them about the possibility of offering you a better deal. This can be online or over the phone.
- Or, if a new deal isn’t possible or you would prefer to switch, you can opt to change suppliers. If this is a change in energy companies, you will be directed to Octopus Energy. For other bills, you are sent to the comparison site Confused.com.
Also worth reading
Check out how to find the best broadband deal.
How does ismybillfair make money?
So, how does the company make money if the site is free to use? Well, if you opt to switch providers to Octopus or one through the Confused website, ismybillfair will be paid a commission.
If you sign a new deal with your current provider, then ismybillfair may also receive a small commission from this.
Does ismybillfair save you money?
If you don’t keep a close eye on your bills, then there’s a good chance that you are already paying too much.
Using a comparison service like this will give you a good indicator of whether you’re paying a fair amount for your services. And if there are better deals out there, it is quite simple to follow the links and make a switch.
The downsides
So, is it all just positive? Not quite.
The site’s comparisons are limited to the data that’s provided by us, the customer and there’s nothing to verify whether it’s accurate or not. As far as I’m aware, nothing is stopping me from inputting that I pay just £1 per month for my SIM-only contract. If enough people do this, it could skew the figures and make everybody think they are paying too much.
And you could miss out on a decent switching bonus. Octopus Energy will credit your account £50 if you switch your energy provider by using a special referral link. Using a 3rd party site often means you lose out on the bonus but will still end up on the same tariff.
What other people say
When writing my reviews, I always like to take a look at what others think. On Trustpilot, ismybillfair scores an impressive 4.4 out of 5, with most users reporting that they were happy with the service. Some of the negative reviews point to users never hearing anything back after entering their details.
My ismybillfair review conclusion
This is certainly a site worth checking out. I’m not 100% convinced about how accurate the figures provided are, but it’s certainly a useful indicator. It’s also nice that they will either negotiate a better deal for you or point you toward finding a new provider.
But… there’s no reason you couldn’t search for better deals by yourself. In fact, I recommend you do so, even if you already pay less than your friends.
If you’re interested in saving money on energy but you think ismybillfair is too much hassle, take a look at Look After My Bills, which can do the whole process automatically for you.
