How Oncor Billing Works: Texas Deregulated Market Guide

Last updated: January 2026

Electricity billing in Texas's deregulated market involves multiple parties. Understanding how Oncor, your retail electricity provider, and ERCOT work together helps you manage your account and resolve issues.

The Players

Several entities are involved in your electricity service:

  • Oncor (TDU): Owns the wires, delivers electricity, reads your meter
  • Your REP: Sells you electricity, sends your bill, handles customer service
  • ERCOT: Manages the Texas grid and wholesale market
  • Power generators: Produce the electricity you use

Billing Cycle

Your billing cycle works like this:

  1. Oncor reads your meter (usually via smart meter)
  2. Oncor sends usage data to your REP
  3. Your REP calculates your bill based on your plan
  4. Your REP sends you a combined bill (energy + TDU charges)
  5. You pay your REP, who pays Oncor for TDU charges

Payment Options

Most REPs offer several payment methods:

  • Automatic bank payment (autopay)
  • Online payment via REP website
  • Phone payment
  • Mail-in check
  • In-person at authorized locations

Some REPs offer average billing to spread costs evenly across the year.

Managing Your Account

Keep track of your contract end date to avoid month-to-month rates. Most REPs send renewal notices, but it's your responsibility to shop for a new plan before your contract expires. Set a calendar reminder 2-4 weeks before your contract ends.

Quick Oncor Bill Check

Enter your bill details below to see if your rate appears typical for Oncor customers.

Quick Bill Sanity Check

No upload required. Enter two numbers from your bill to see if it falls within typical ranges for Oncor.

Most utility bills are calculated correctly.

This quick check helps you understand if your bill stands out from typical ranges. It cannot determine accuracy without a full bill review.

The "Total Amount Due" on your bill

Usually labeled "Total kWh" or "Usage"

Disclaimer: This tool provides a rough estimate based on typical residential rates. It does not account for fixed charges, demand charges, time-of-use pricing, taxes, fees, or other bill components. Results are for informational purposes only and should not be considered financial or legal advice. We cannot determine billing accuracy without reviewing your full bill.

Want a Definitive Answer?

The sanity check above provides context, but it can't verify your actual bill. Upload your Oncor bill for a complete verification of billing math, rate application, and usage patterns.

One-time $19.99 · Read-only analysis · No account access required

More About Oncor Billing

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Frequently Asked Questions

Who do I contact if I have a billing question?

Contact your REP for billing questions, payment issues, or plan changes. Contact Oncor only for outages, meter problems, or new service connections.

What happens if I don't pay my bill?

Your REP may disconnect your service after providing required notices. Oncor performs the physical disconnection on behalf of your REP. You'll need to pay past-due amounts and possibly a deposit to restore service.

Can I switch REPs if I'm unhappy with my service?

Yes, you can switch REPs at any time, though you may owe an early termination fee if you're under contract. The switch typically takes 1-2 billing cycles to complete.