If you are running low on credit and can’t top up right away, you can get an instant $5 credit with Prepay IOU.

The next time you top up, you'll simply repay the $5 plus a $0.50 fee.
It's almost like having the money in your wallet, and is super helpful.

Simply TXT IOU to 468 and we'll apply for a $5 credit straight away!

Important things to know:

• You must have less than $14 credit to be able to use Prepay IOU.
• You can only have one outstanding IOU at a time - you need to repay any outstanding IOU before you can request another one.
• IOU is not available while roaming overseas.
• You can’t move to another Prepay plan or to a Pay Monthly plan while you have an unpaid IOU.

Once you are ready, you can Top Up again. We call it Fastpay.

What is Prepay IOU?
IOU is a temporary $5 credit that you can request and pay back the next time you top up.
If you haven't heard this acronym before, it simply means "I owe you".

How do I get it?
If you have less than $14 credit, simply TXT 'IOU' to 468.

How many times can I get an IOU?
You can only have one outstanding IOU at a time.

Will it cost me?
Sending the IOU TXT will not cost you anything.

How will I know I have an I.O.U?
You will get an automatic confirmation TXT message when your IOU credit gets applied.

What plans are eligible for IOU?
Our Prepay plans are eligible for getting an IOU.
Plans that are not eligible for IOU are NZ Travel SIM plans and all Prepay Data plans.

How do I pay my IOU back?
The next time you top up, $5.50 will be deducted from your credit. ($5 for the IOU amount and a $0.50 service fee).
If you have an IOU outstanding, the top up credit will be applied in the following order:

1. Repay the IOU.
2. Renew your plan pack.