Once you've opted in, we'll send a text when your credit’s running low to remind you to top up. If you can’t top up then, it’s no problem - with IOU you still have £3 credit that you’ll automatically be able to use each time your balance reaches zero. You can use the extra credit for anything you want, and it even works when you're abroad.
You'll pay it back with your next TopUp plus an extra 45p service charge (so we'll take a total of £3.45).
Want to know more? Take a look at our T&Cs