If you’ve earned any payback, you have a decision to make and you must make that decision by 23:59 tomorrow (Sunday 14th). If you don’t your credit will not be paid this month – it will roll over (once only) and not be paid until December.
You have to choose a payback method again, even if you chose a payback method for the previous season
If your payback is £10 or more, you can choose either paypal or account credit (its not possible to pay less than £10 into paypal).
But which choice should you make?
The best answer is not as obvious as it may seem
If you intend to use your payback to buy goodybags and your payback is more than the cost of your monthly goodybag, then you should probably be taking your payback as paypal not as account credit.
The reason is that you can only buy manual goodybags from the credit. But if you leave credit on your account, and you accidentally forget to buy a goodybag before the previous goodybag expires, or allow your previous goodybag to expire without starting a new goodybag, your phone will immediately start to use data at PAYG rates which means 5p/MB.
£20 of credit buys less than half a gigabyte as PAYG data. You get half a gigabyte for £6 with a goodybag, and £20 as a goodybag gives you 80 gigabytes.
So, clearly you do not want to allow your phone to use data from your credit unless you expect to use less than 100MB of data per month.
Currently, despite the obvious requirement that giffgaff should have provided an “off switch” for PAYG data, there isn’t one and it’s completely impossible to ensure your phone stops using data if you have credit on your account and your goodybag expires or runs out of data. But that problem does not exist if you pay your payback into paypal and leave it there. You’ll be able to set up recurring, queued or manual goodybags from your paypal balance, for as long as it lasts – or, spend it with many online stores, or withdraw it to your bank. None of these are possible from account credit.
EDIT: I forgot to mention, but even if you only use PAYG at 25p/minute, 10p/text, 5p/MB and never buy goodybags, there’s a good reason for having it paid as paypal if it’s over £20:
- your payback counts as a single payment, even if you spread it over 6 months. Each payment qualifies for only 3 months of free calls and texts to other giffgaff users
- but if you have the money paid into paypal, you can make two or more topups of at least £10. Each of those payments will earn 3 months of free calls and texts to other giffgaff users. So with careful timing or your payment dates, you can get those free calls for 6 months or more. And that even works with auto topup, if you use the service enough to ensure a payment at least every third month.
It’s not too late to change your payback method to paypal
But you only have until 23:59 on 14th of June.
So, do it now at https://www.giffgaff.com/profile/payback before you forget!