By
Max McCaskill Sr. Staff Writer
Updated

T-Mobile switch credit offer

Feeling trapped in your current phone plan because you can't afford to pay off your device? T-Mobile can help with that.

With Keep and Switch, T-Mobile will give you up to $800 to leave your current carrier and bring your phone to its massive 5G network. Even better, you can bring the whole family, with T-Mobile offering to pay off up to four of your family plan's lines.

This offer is available to postpaid customers from multiple carriers, including AT&T and Verizon. Plus, you don't even need to visit a T-Mobile store to qualify. You can see if your current device is compatible and switch in just 15 minutes using T-Mobile's online IMEI check.

Here's how you can get T-Mobile to pay off your phone so you can switch.

T-Mobile
T-Mobile

Essentials Saver

  • Unlimited Unlimited 5G & 4G LTE with 50GB of Premium Data
  • Unlimited mobile hotspot data
  • Deal: Get up to $800 via virtual prepaid MasterCard when you bring an eligible phone, activate a new line on select plans and port-in your number and switch from select carriers
$50.00/mo
with Auto-Pay - Taxes & Fees NOT included
T-Mobile
T-Mobile

Experience More

  • Unlimited Unlimited 5G & 4G LTE with Unlimited Premium Data
  • Unlimited mobile hotspot data
$85.00/mo
with Auto-Pay + Taxes and fees
T-Mobile
T-Mobile

Experience Beyond

  • Unlimited Unlimited 5G & 4G LTE with Unlimited Premium Data
  • Unlimited mobile hotspot data
$100.00/mo
with Auto-Pay + Taxes and fees

What is T-Mobile Keep and Switch?


T-Mobile's Keep and Switch is a special offer to help you pay off your phone so you can switch carriers. T-Mobile knows that some carriers use device installments to lock customers into pricey long-term plans. You may want to switch, but paying off your phone is too expensive, forcing you to stay.

With Keep and Switch, T-Mobile will give you up to $800 to help pay off your current device's installment plan so you can switch to T-Mobile. It includes plans from eligible postpaid carriers like:

  • AT&T
  • Verizon
  • Spectrum Mobile
  • Xfinity Mobile
  • UScellular
  • Claro
  • Liberty Mobile (Puerto Rico)

Keep and Switch works with all of T-Mobile's most popular postpaid plans, including Essentials, Experience More, and Experience Beyond. You could even switch to the Essentials Saver plan and get service for as low as $50/month.

All you have to do is pay off your phone, and T-Mobile will send you a virtual prepaid card to reimburse the cost. You'll keep both your phone and number and get access to T-Mobile's incredible 5G network, the largest in the nation. This offer can be applied to up to four lines, making it incredibly affordable to move your entire family plan to T-Mobile's service.

If your plan is with a carrier that's not listed, you may still qualify for up to $400 back if you switch to one of T-Mobile's Experience More or Experience Beyond plans.

How to bring your own device to T-Mobile and get paid


Switching to T-Mobile and bringing your own device is easy, and you don't even need to visit a store. The whole process can be completed online or in the T-Life app at your own convenience.

For most carriers, all you have to do is:

  1. Check your device's eligibility with T-Mobile's IMEI checker.
  2. Screenshot your phone's outstanding balance from your current carrier.
  3. Pay off your balance.
  4. Request a device unlock from your current carrier's network.
  5. Select your new T-Mobile plan and activate it using your current phone number.
  6. Submit the screenshot of your balance to T-Mobile for a rebate.

T-Mobile's best wireless plans


T-Mobile offers phone plans that can meet almost anyone's needs and budget.

The Essentials Saver plan starts at just $50/month and includes unlimited talk and text and 50GB of premium data. For a family of four, you can get four lines of Essentials Saver for just $100/month.

T-Mobile
T-Mobile

Essentials Saver

  • Unlimited Unlimited 5G & 4G LTE with 50GB of Premium Data
  • Unlimited mobile hotspot data
  • Deal: Get up to $800 via virtual prepaid MasterCard when you bring an eligible phone, activate a new line on select plans and port-in your number and switch from select carriers
$50.00/mo
with Auto-Pay - Taxes & Fees NOT included

The Experience More plan includes unlimited premium data and a large 60GB high-speed mobile hotspot allotment. It also offers free Netflix, a discounted Apple TV+ subscription for just $3/month, up to 5GB of high-speed international data, and is upgrade-ready every two years. Pricing starts at $85/month for a single line, but with a four-line family plan, you can get it for just $42.50 per line ($170/month).

T-Mobile
T-Mobile

Experience More

  • Unlimited Unlimited 5G & 4G LTE with Unlimited Premium Data
  • Unlimited mobile hotspot data
$85.00/mo
with Auto-Pay + Taxes and fees

Experience Beyond is built for true power users who need a ton of mobile data. You get all the benefits of Experience More, plus an unlimited mobile hotspot with 250GB of high-speed data, a free Hulu subscription, and up to 15GB of high-speed international data. It also includes extremely rare perks like satellite coverage through T-Satellite and yearly device upgrades. Pricing starts at $100/month for a single line or $215/month ($53.75 per line) for a family of four.

T-Mobile
T-Mobile

Experience Beyond

  • Unlimited Unlimited 5G & 4G LTE with Unlimited Premium Data
  • Unlimited mobile hotspot data
$100.00/mo
with Auto-Pay + Taxes and fees

This page is sponsored by T-Mobile in paid partnership with WhistleOut.

Max McCaskill

Sr. Staff Writer

Max McCaskill
Max is a Senior Staff Writer at WhistleOut, specializing in mobile plans, operating systems, and carrier news. He regularly tests and reviews dozens of phone plans firsthand, evaluating real-world data speeds, coverage reliability, and plan features. He's been featured in publications such as Yahoo Finance, AARP, AP News, and GoBankingRates.

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