Helping Elderly Parents Manage Energy Bills: Best Payment Options

Reviewed by: Dr Jackie Gray, Public Health Expert and Retired GP
(Carents Trusted Reviewer Programme – Last reviewed July 2025)

Energy bills aren’t just about cost. The way your parent pays can affect how easily they can budget and stay in control. Some older people still prefer paying quarterly by cheque, while you might want the predictability of a set monthly payment. The best method balances familiarity, comfort, and affordability.

This is the most common way to pay and often the cheapest.

• Fixed Direct Debit: The energy company guesses your parent’s yearly usage and splits it into 12 equal payments. It’s easy to budget but can lead to over- or underpayment. Review it every six months.

• Variable Direct Debit: The bill changes depending on how much energy was used that month or quarter. More accurate, but costs spike in winter.

This traditional method lets your parent see exactly what they owe before paying. For those who like physical bills and full control, it can feel safer.
However:

• It’s often more expensive than direct debit.

• Winter bills can be much higher.

• Some suppliers charge extra for paper billing.

It suits those who value control over convenience but might need a gentle reminder to pay on time.

Prepayment meters let your parent pay in advance using a card or key topped up in shops or online.

Pros:

• No risk of surprise bills or debt.

• Easy to track spending.

Cons:

• Energy prices can be higher.

• Topping up may be difficult in cold weather or if mobility is limited.

• If the meter runs out, the heating or lights stop until topped up again.

If your loved one uses a prepayment meter, ensure they understand how to top up and where. You might also look into the Priority Services Register for additional support, like extra notifications or meter-reading services if they struggle.

• Standing Order: Fixed payments you control via the bank. Easy, but can go wrong if usage changes.

• Online Card Payments: Good for tech-savvy parents. Less ideal if they’re not confident online.

• Track usage: Encourage frequent meter readings or installation of a smart meter to prevent inflated estimates.

• Plan for winter: Plan ahead for winter months, especially if using a variable direct debit or paying on receipt..

• Tackle energy debt: If your relative is in debt, a prepayment meter or an agreed repayment plan might help them slowly clear arrears without risking sudden large bills.

• Look for discounts: Many companies offer lower prices for paperless or direct debit payments.

Switching suppliers can save money, but older adults often hesitate due to fear of scams or confusion. As a carent, you can handle the comparison process and stay involved during the switch. Always use Ofgem-approved comparison sites and confirm details directly with the new company. Make sure your parent understands what’s changing and check that any direct debits are cancelled only after the final bill. A good supplier will handle most of the process for you.

There’s no perfect answer. Direct debits make budgeting simple, but can lead to overpayment. Prepayment meters prevent debt, but can cause practical problems. The right choice depends on your parent’s habits, mobility, and comfort with technology.

A quick phone call to the energy company can often make things simpler or cheaper. Focus on what helps your parent feel secure, warm, and in control.

Reviewed by Dr Jackie Gray, July 2025