T-Mobile is the top 5G provider in the US right now. While it doesn't have the quickest raw download speeds, it has good average speeds and the widest coverage of any network. This means you're more likely to be in 5G range with T-Mobile, which is important if you're paying extra for it. T-Mobile has good 4G and call coverage too - some of the best in America - and it has a decent range of plans that offer good value for customers. While not the most expensive provider, T-Mobile isn't cheap either, and it can't quite match the coverage of the likes of Verizon Wireless or AT&T for regular phone signal.
Still, it's very close to the top of our list of the best cell phone providers, so is well worth considering, especially if you're over 55 and looking to get a better deal on a senior plan. The Unlimited 55+ plan gives customers aged - you guess it - over 55 a discount for up to two lines. Where it would normally cost $130 for the One unlimited plan it'll be just $80. Of course there are lots of other plan options and more to say about coverage so read on to find out everything you need to know about T-Mobile.
T-Mobile review: Coverage
- Fast 4G LTE
- Nationwide 5G
The reports from different independent testing companies like RootMetrics, Ookla and OpenSignal sometimes contradict each other. For example, T-Mobile comes in fourth place in RootMetrics’ report, but it tops both Ookla and OpenSignal’s rankings.
Each company uses different testing methodologies. RootMetrics performs road tests and covers a wider physical area than other tests, but OpenSignal is more relevant to users, as its results come from an amalgamation of crowdsourced data. Basically, T-Mobile doesn’t have as much coverage in rural areas as Verizon, but it performs well in urban zones. If you live in a city, you can benefit from T-Mobile’s fast speeds.
Though there are some conflicting reports on T-Mobile’s network performance, it is still one of the top cell services in the US. It has one of the fastest 4G networks which performs particularly well in urban areas, and offers feature-rich unlimited plans. It also has the most widespread national coverage of the ultra fast 5G network connectivity. OpenSignal claims users are connected to 5G on average for 22% of the time, which is 8% higher than the next-placed rival.
T-Mobile review: Unlimited plans
- From $60 per month
- Top end is $85 per month
T-Mobile offers three plans aside from its Unlimited 55, Military & Veterans and First Responder specific plans. These are Essentials, Magenta and Magenta Plus - all three feature unlimited calls, texts and data.
Essentials, starting at $60 per month for one line, gets you extras like unlimited abroad texting, SD streaming, a dedicated customer care team, 3G mobile hotspot data plus free talk, text and 2G data in Mexico and Canada.
Magenta, starting at $70 per month, gets you all the above plus taxes and fees included, Netflix in SD, in-flight Wi-Fi for an hour and free texting, high speed data and free calls and texts in Mexico and Canada, plus 3GB of 4G LTE hotspot.
Magenta Plus, starting at $85 per month, gets you everything from Magenta but with 20GB of hotspot data, Netflix in HD, Unlimited in-flight Wi-Fi, 4G data in Mexico and Canada, HD streaming, Name ID plus Voicemail to text.
T-Mobile review: Basic plans
- Prepaid from $40
- Unlimited everything from $50
T-Mobile doesn't offer much else in the way of monthly paid plans that give less than unlimited, for that you can go for the prepaid plans. These mean you don't need a credit check, there's no annual contract and no data coverage charges.
The most basic option here is the Simple Prepaid plan which starts at $40 for a single line which gets you unlimited talk, text and 10GB of 4G LTE data. Jump to the Simply Prepaid Unlimited plan for $50 and you'll get unlimited calls, text and data.
T-Mobile review: Smart scam block
- Excellent scam call blocking
- Automatically works
Some of the best perks available with T-Mobile plans are the anti-scam features: scam ID and scam block. With the massive upswing in the number of robocalls and autodialed spam calls, T-Mobile’s free call filter and call blocking services can save you time and frustration. Scam block lets you opt in to block all calls classified as likely scams, though T-Mobile warns that opting in may result in missing legitimate calls incorrectly tagged as scam calls.
Calls that may fall into this category include any auto-dialed calls from businesses to remind you of appointments or reservations. Scam ID, as the name suggests, identifies when you receive a call that is probably spam. This feature is built into the network, so it doesn’t require a separate app to install, and it automatically works on any phone with caller ID.
T-Mobile announced that its scam block and scam ID features have already blocked over a billion scams from reaching its customers. The system isn’t perfect, of course, but it’s a nice perk, especially considering that competitors like Verizon charge $3 per line per month for a similar service.
T-Mobile review: Money service
- Single, joint and business accounts
- Perks for T-Mobile wireless customers
T-Mobile has stepped into the banking business, offering a no-fee checking account through its new service, T-Mobile Money. T-Mobile isn’t a bank now, but it is working with BankMobile, which is an online bank. T-Mobile is rolling out the service on a limited basis, currently allowing individuals to sign up for a single account. Joint accounts, small business accounts, multiple accounts and accounts for Puerto Rico residents are currently unavailable.
You don’t have to be a T-Mobile wireless customer to sign up for an account, though there are perks if you are. According to the T-Mobile Money FAQs, anyone who is at least 18 years old, has a U.S. government-issued ID or state-issued driver’s license or ID, a Social Security number and a U.S. street address within the continental U.S. is eligible.
The T-Mobile Money checking account does not have monthly service fees, overdraft fees, transfer fees, late payment fees, fees for in-network Allpoint ATMs or minimum balance requirements. If you’re a qualifying T-Mobile wireless customer, your perks include Got Your Back overdraft protection up to $50 and 4 percent APY on primary checking account balances up to $3,000. Non-qualifying customers and account balances exceeding $3,000 get a 1 percent APY.
T-Mobile is a good cell phone provider if you live in a metropolitan area. It offers great speeds in covered areas but doesn’t perform as well as Verizon on a nationwide scale. We highly recommend checking coverage maps to make sure you live well within any carrier’s coverage area. If you live in an area with good T-Mobile reliability, you can’t beat its feature-rich unlimited plans for fair prices.
T-Mobile user reviews and satisfaction
- A rating on BBB
- Over three stars out of five on ConsumerAffairs
The Better Business Bureau (BBB) gives T-Mobile a decent rating of A but the 412 customer reviews leave the company with an average one star rating. Although 5,013 complaints have been closed in the last year.
ConsumerAffairs gives an average customer review rating of just over three stars out of five based on 2,828 reviews. Positives include great in-store customer care, good finance support and efficient billing. Negatives include charging issues, pricing and hotspot drops.
Should you choose T-Mobile?
T-Mobile has some of the best offerings of all the big carriers out there. Thanks to widespread coverage and some of the fastest 4G LTE this is great for data fans. But it's the widest 5G nationwide coverage that set this apart from the competition.
Plans are varied but not cheap although there are plenty of options and discounts for older people, veterans and first responders. For unlimited calls, text and data this is a great network and the selection of phones is broad enough to offer something for everyone.
If you're undecided on the handset you want, check out our best smartphone guide, while we also rank the best prepaid cell phone plans. Take a look at our cell phone coverage map of the US to find out who has the best network in America.