Hi @JamietheHedge when you start the swap process sky will give an estimate of what your old phone is worth (that could change once they receive it) and that goes towards paying off the old phone or device. If swapping at the 24 month normal time then the value should equal what's owed so nothing else to do. If the swap value is more than what's owed then the excess goes as credit on your account and goes towards future bills. If the swap value is less then the difference is added to your next bill which must be paid in one go.
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