Which? Mobile found an estimated ten million users pay for extra calls, texts and data usage on top of their monthly line rental.
The consumer group said the findings were "not surprising" considering an estimated six million people did not know, or had only a vague idea, of their monthly limit for call minutes, while five million were unsure of their text and data allowances.
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Hide AdHowever, seven in ten people claimed to check their mobile bill at least once a month.
Which? said consumers could save money by switching to a tariff that better suited their phone usage, but 18 million people (39 per cent) had never switched provider.