Do I have to have a smart meter?

No. Suppliers offer them and may encourage installation, but you can refuse without losing your existing tariff in most markets.

Will a smart meter lower my bill by itself?

No. It only shows information. The saving comes from acting on what you see.

It is usually a warning that usage is high right now, not a fault. Check your supplier's manual for the exact meaning.

Most models cycle automatically when awake. If the screen is blank, press the main button once to wake it.

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