Compare Lumo Energy Plans

Lumo supplies electricity and gas to Victoria and South Australia. It does not operate in any other state or territory, so your address decides if Lumo is even an option.

Your distributor stays the same no matter which retailer you pick. Lumo customers sit behind these networks.

• Victorian homes connect through CitiPower, Powercor, Jemena, AusNet Services, or United Energy, depending on the suburb.
• South Australian homes all connect through SA Power Networks, which covers the entire state.

Both residential customers and small businesses can sign up in either state. Live outside Lumo’s footprint? You can still compare electricity plans in Victoria, or check who serves you in South Australia, New South Wales, Queensland, and the ACT.

Lumo keeps its range deliberately small. Lumo Value is the core market offer and runs in both states, covering electricity, gas, or both.

South Australia gets two extra options. One mirrors Lumo Value but drops the mandatory quarterly eCommunication requirement. The other suits renters and frequent movers by waiving connection and disconnection fees when you take the plan to a new address.

Every retailer also has to publish a standing offer, which is the default plan you land on if you never choose a market offer. Standing offer pricing sits at the regulated cap, so it rarely beats a market deal.

Across Lumo’s residential plans, you generally get:

• No lock-in contract term applies, so you can leave when a better deal appears.
• No exit fees apply if you switch away mid-plan.
• Free standard moves cover electricity and gas relocations where the service is available.
• A cooling-off period applies after you sign up.
• Flexible payment options run across every plan, including direct debit and EvenPay, which spreads your costs into equal weekly, fortnightly, or monthly amounts.
• eBilling comes as standard, and you manage bills, usage, and payments through MyAccount or the Lumo Energy app.

Lumo also sells small business energy plans, though business customers sign up by phone rather than online.

Lumo prices its market offers as a discount off the regulated benchmark in each state. Two different regulators set those benchmarks, and both changed on 1 July 2026.

Sources: Essential Services Commission, Victorian Default Offer 2026-27 Final Decision, verified 28 August 2026. Australian Energy Regulator, Default Market Offer 2026-27 Final Determination, verified 28 August 2026. Both determinations took effect 1 July 2026.

Every Victorian retailer must state how its offer compares to the VDO. South Australian retailers show their position against the Default Market Offer reference price instead. Lumo publishes its own numbers in Victorian Energy Fact Sheets, South Australian Basic Plan Information documents, and its price change notices.

Your actual electricity rates depend on your meter type, your network tariff, and how much you use. The daily supply charge matters as much as the usage rate, because you pay it every day regardless of consumption. GoSwitch calculates the full annual cost rather than the headline rate, which is where the real difference shows up.

South Australian households have had three hours of free electricity a day since 1 July 2026. Victorians get their own version from 1 October 2026.

Sources: energy.gov.au, Solar Sharer Offer, verified 28 August 2026. energy.vic.gov.au, Victorian Midday Power Saver, verified 28 August 2026. Lumo Energy, Solar Sharer plan terms, verified 28 August 2026.

Lumo already runs a dedicated Solar Sharer plan in South Australia. The free window sits at a fixed local time year-round and does not shift for daylight saving. Daily supply and controlled load charges still apply during the free period, so the offer reduces usage charges rather than the whole bill.

Free midday power only pays off if you can move washing, dishwashing, or battery charging into that window. Households out at work all day often do better on a standard plan, which is worth checking before you opt in.

Lumo rates above average on the independent measures that cover its whole customer base, though public review scores sit lower.

CHOICE gives Lumo an expert rating of 76%, against an industry average of 67%. Three underlying scores sit behind that figure.

• Lumo’s complaints score sits at 98%, in line with the industry, using Australian Energy Regulator data on complaints per customer.
• Its call response score reaches 67%, against an industry average of 61%, for calls answered within 30 seconds.
• Its green electricity score reaches 66%, against an industry average of 49%. That score tracks Snowy Hydro’s generation mix rather than what sits in Lumo’s plans.

ProductReview.com.au paints a harsher picture, with Lumo averaging 1.7 out of 5 as at August 2026. That listing has collected reviews for well over a decade, and review sites draw unhappy customers far more than satisfied ones.

The regulator data covers every Lumo account, so it gives the broader read. If billing or long call waits have worn you down, we compare better deals from other energy providers for your home or business.

Victoria and South Australia run completely different concession schemes, and both reduce your electricity bill. Victorian households give their card details to their retailer, while South Australians apply through ConcessionsSA.

Sources: Department of Families, Fairness and Housing Victoria, Annual electricity concession, verified 28 August 2026. SA.GOV.AU, Energy bill concessions, verified 28 August 2026. Victorian figures apply from 1 December 2025 and South Australian figures from 1 July 2026.

Both states also run hardship support for households at risk of disconnection. Eligibility rules for each scheme sit in our guide to energy concessions and rebates.

Comparing Lumo properly means looking past the advertised discount to what you actually pay across a year.

Five things move the number more than anything else.

• The usage rate sets what you pay per kilowatt hour and drives most of a high-usage bill.
• The daily supply charge applies every day, so it hits low-usage households hardest.
• The tariff structure decides if shifting your washing to the middle of the day saves you anything.
• The feed-in rate determines what your exported solar earns back.
• The benefit period tells you how long an introductory rate lasts before it reverts.

GoSwitch pulls all of this together from your postcode and usage details. You can see how Lumo sits against energy retailers including AGL, Origin, and EnergyAustralia on the same screen, at no cost. Our guide on how to compare electricity plans walks through the process in more depth.

Switching is administrative, so nothing changes at your property. Your distributor keeps delivering the power and no one touches your meter or your supply.

1. Check your latest bill for your annual kilowatt hour usage, your tariff type, and your daily supply charge.
2. Enter your postcode into GoSwitch and compare Lumo against every retailer available at your address.
3. Pick the plan with the lowest estimated annual cost for how you actually use energy.
4. Complete the sign-up online, then use your cooling-off period to change your mind if you need to.
5. Your new retailer arranges the transfer and a final meter read closes your old account.

If you switch to Lumo Energy, the transfer usually finishes within a few business days with no interruption to supply. Our guide to switching electricity providers covers what to expect. There are extra steps worth knowing if you are moving house at the same time.

Lumo’s rates mean little on their own. What matters is how they compare with every other retailer serving your address. Energy prices in Victoria and South Australia changed again on 1 July 2026, so a rate set before then is worth a second look.

Enter your postcode with GoSwitch to see how Lumo’s rates stack up against every retailer serving your address. An Australia-based consultant sets up your new plan and completes the switch. There are no lock-in obligations, no paperwork, and no disruption to your supply.

We also compare gas plans, bundled electricity and gas plans, internet plans, and health insurance across NSW, VIC, QLD, SA, and the ACT. Sort your household bills in one place!