Which tariff usually suits you based on how you charge

The tariff that suits you best depends mainly on when you charge your car and how much electricity you use at home.

If you can concentrate your charging during the cheapest hours, a tariff with different time bands could fit your habits perfectly.

If you charge at different times and do not want to keep an eye on the clock, a stable-price tariff might be more convenient.

And if you are looking for a specific solution to integrate your car charging with your household consumption, you could also consider an at-home charging tariff with a monthly fee linked to a set amount of kWh.

The key is to compare the total cost of your supply, not just the price of charging the car.

How many kWh does your electric car need per month?

To know how much your electricity consumption might increase when charging your car at home, you need to know how many kilometres you drive and how much your vehicle consumes.

For example, if you drive 1,250 km a month and your car uses 17.6 kWh per 100 km, you will need around 220 kWh a month to cover that distance.

This is an estimate: actual consumption can vary depending on the model, your driving style and journey conditions.

The car's consumption is not exactly what the meter registers

The consumption shown by the vehicle and the electricity registered by the meter during charging may not match exactly.

That is why, if you want to compare tariffs accurately, it is best to use your actual consumption data whenever you have it available.

What you should compare in an electric car tariff

The price per kWh is important, but it is not the only thing. Before choosing a tariff, check these points.

Price during charging hours

If you mainly charge at night, check how much you will pay for each kWh during those hours.

A tariff with a very low price in the early hours can be interesting if you can concentrate your charging then. But if you often need to charge during the day, you will also have to look at the rest of the prices.

Price for the rest of the day

The car might represent a significant part of your consumption, but your home still uses electricity.

That is why it also matters how much you will pay for your home's kWh when you are not charging.

Promotional hours

Check exactly which hours have the lowest price and whether they fit your routine.

If you have to keep track of when you can charge every day, a stable-price tariff might be more practical for you, even if the kWh is slightly more expensive.

Monthly fee

Some tariffs include a fixed monthly fee.

In that case, do not just look at how much the kWh costs. Check how much energy is included in the fee and how much you will pay when you exceed it.

Consumption limits

Review the included kWh and the conditions applied when exceeding that limit.

This point is especially important if you drive a lot of kilometres or if your home also has high consumption.

Price for excess consumption

If you exceed the included kWh, check how much the additional energy costs and what discounts apply.

It is also important to know how long those conditions will remain valid.

Contracted power

Your contracted power also affects the bill.

If you charge the car while using other high-consumption appliances, such as the oven, ceramic hob or air conditioning, the simultaneous demand for electricity can increase.

Minimum term

Check whether the tariff requires a minimum term and if there is any penalty for changing contracts.

With Endesa's Recarga en Casa tariff, there is currently no minimum term or penalty for leaving.

Promotions

A discount can make a tariff seem particularly attractive for the first few months.

But the important comparison is different: how much will you pay when the promotion ends?

Always do the maths with both the promotional price and the subsequent price.

Compatibility

Check that the tariff is compatible with your car and the charging system you use at home.

Endesa's Recarga en Casa tariff is compatible with electric vehicles and PHEVs, regardless of make or model, and with various home charging systems.

Comparison of electric car tariffs in 2026

To compare tariffs usefully, the first step is to apply them to the same consumption profile.

Imagine your car needs around 220 kWh a month.

Broadly speaking, you will encounter three types of options:

• Tariff with different time bands: the price of energy changes depending on the period in which you consume it. This might interest you if you regularly concentrate your charging during the cheapest hours.
• Stable-price tariff: the price of energy does not change according to the time within the conditions of that tariff. It can be simpler if your schedule changes.
• Tariff with a charging fee: you pay a monthly fee that includes a set amount of energy, and any additional consumption is billed separately.

But there is one figure you must not lose sight of: your home's total consumption.

If your home consumes an additional 250 kWh a month, you are not comparing 220 kWh, but approximately 470 kWh a month.

And that is where the outcome can change.

Endesa's Recarga en Casa tariff: advantages

Endesa's Recarga en Casa tariff is designed for those who charge their electric or plug-in hybrid car at home and want to integrate that consumption with their household usage.

The tariff includes a fee that covers up to 216.99 kWh per 30-day cycle. As a reference, this amount roughly equates to 1,250 km a month or 15,000 km a year, assuming a consumption of 17.6 kWh/100 km.

Furthermore, an important condition must be taken into account: the kWh included in the fee cannot exceed 60% of the household's total consumption for that period. If this limit is exceeded, the excess energy is billed separately according to the tariff conditions.

Therefore, before deciding whether this option interests you, it is worth looking not only at how many kilometres you drive, but also at how much electricity your home consumes a month.

Monthly fee or pay-per-kWh: what suits you

Here lies one of the most important decisions.

A tariff with a fixed fee might be a good fit if you have relatively stable mileage and can use a good portion of the included energy.

If you use the car infrequently, you might be more interested in a tariff where you pay directly for the kWh you consume.

The question you should ask yourself is very simple:

Which option gives me the lowest total bill for my home + car?

That is the calculation that truly matters.

Calculate how much you would pay with each tariff

You can make an initial comparison in three steps.

1. Calculate how much the car consumes.

Monthly kilometres × car consumption / 100.

2. Add it to your home's usual consumption.

For example:

• Home: 250 kWh/month
• Car: 220 kWh/month
• Total consumption: 470 kWh/month

3. Apply the conditions of each tariff.

Take into account the price of energy, the fee, the contracted power, the discounts, the limits and the price for excess consumption.

This way, you can compare something much more useful than the price of a specific charge: what you would actually pay for all the electricity in your home.

Which tariff is best for 15,000 km a year

If you drive 15,000 km a year, that is around 1,250 km a month.

With a reference consumption of 17.6 kWh/100 km, you would need about 2,640 kWh a year, or around 220 kWh a month, before accounting for charging losses.

But those same kilometres can have a different cost depending on when you charge.

You always charge in the early hours

If you can schedule your car charging and routinely do it during the cheapest hours, compare a tariff with different time bands against a stable-price tariff.

In this case, the price per kWh during the cheapest hours will be particularly relevant.

You charge at different times

If you charge at night some days and during the day on others, the calculation changes.

A stable-price tariff might be simpler because you do not have to adapt your charging to a specific time slot.

You use smart charging

A charger with programming or smart management can help you decide when to charge and prevent the charging from coinciding with other high household consumption.

In that case, compare two things: the tariff and the possibilities your charger offers you.

Do not choose your car's tariff while ignoring your home's consumption

Imagine the car consumes 220 kWh a month and your home another 300 kWh.

The car represents a significant part of the consumption, but not all of it.

That is why saving a few cents on each kWh for charging might be less important than the price you pay for the kWh you consume during the rest of the month.

The calculation you should always bear in mind is:

Home consumption + car consumption = total consumption.

And it is based on that total that you should compare tariffs.

Is an off-peak tariff always the best for an electric car?

Not necessarily.

It can be an attractive option if you can concentrate almost all your charging during the cheapest hours.

But if you frequently charge during the day, have changing schedules or do not want to worry about when to plug the car in, a stable-price tariff might fit your habits better.

What is cheap also depends on when you consume.

When a stable-price tariff might be of interest

It might suit you particularly if:

• you charge at different times;
• you do not want to keep an eye on time bands;
• you use the car unpredictably;
• you consume quite a lot of electricity during the day;
• you prefer to know how much the kWh costs regardless of the time.

Bear in mind: a stable price does not mean a fixed bill. If you consume more electricity, you will pay more.

What a smart charging tariff is

Smart charging allows you to manage when and how you charge your vehicle, usually through programming and management features available on certain chargers and apps.

But there is an important difference between a smart tariff and a smart charger.

The former determines how energy is billed. The latter can help you decide when and how to charge.

That is why, if you want to optimise the cost of your electric car, it is worth analysing both things together.

Do you need to increase your contracted power if you buy an electric car?

Not necessarily.

It depends on your contracted power, the charging power you use and what other appliances are running at the same time.

For example, if you charge the car while using several high-power appliances, the simultaneous demand can increase.

Before contracting more power, first check what your usual consumption is like and how much power your installation actually needs.

You can also consult our guide on what power capacity to contract to charge an electric car at home.

A smart charger can also help you optimise charging

Changing your tariff is not the only way to optimise charging.

A charger with scheduling or power balancing features can help you make better use of the power available at home and prevent charging from coinciding with other high consumption.

Endesa's Waybox chargers incorporate different charge management features depending on the model.

That is why, before thinking you need to increase your contracted power, it is worth checking what your current charger, or the one you are planning to install, can do.

If you charge the car at the weekend, check this condition

If you have a tariff with different prices depending on the time, also check what happens at weekends and on public holidays.

Always check what price applies at weekends and on public holidays according to your tariff conditions.

If you usually leave the car charging over the weekend, that detail can influence the final cost.

With the Recarga en Casa tariff, however, you can charge with no time limits.

Do you need a specific tariff if you have a plug-in hybrid?

Not necessarily.

A plug-in hybrid can also be charged at home on a standard domestic tariff. The question is whether a specific charging tariff fits your vehicle usage.

If you drive a lot of kilometres in electric mode and regularly charge at home, it might make more sense to look at a specific tariff. If you do few electric kilometres, you might not need a solution designed for high charging consumption.

Is the PVPC worth it for charging an electric car?

The PVPC can also be included in the comparison if you are on the regulated market and meet its conditions.

It works differently to a stable-price tariff, so the cost of electricity can vary.

If you want to know whether it interests you, compare your actual charging times and your home's total consumption against the other options.

And, above all, do not take a single month as a reference: use a period that accurately represents your habits.

Also check the offers available on the CNMC comparison tool

Before taking out a contract, you can check the CNMC's energy offers comparison tool.

It will allow you to review different offers and their terms.

When making the comparison, do not just look at the advertised price. Also check fees, contracted power, taxes, the duration of discounts, minimum terms, additional services and the price once promotions end.

Discover which type of tariff suits you for charging your car

If you want to find out about Endesa's options for electric mobility, you can check our electric mobility section.

The choice will depend on five very specific variables:

how many kilometres you drive + how much your car consumes + when you charge + how much your home consumes + what the tariff conditions are.

How much it costs to drive 100 km depending on your tariff

You can make a preliminary estimate by multiplying the car's consumption by the price of electricity.

For example, if the energy price were €0.15/kWh, with a consumption of 17.6 kWh/100 km: 17.6 × 0.15 = €2.64 per 100 km.

But this calculation is only a reference for the energy cost. To know the actual cost on your bill, you will also need to consider the other items in the contract.

That is why, to compare tariffs, it is more useful to calculate how much it costs to charge the car for a full month.

How much the annual cost can change by choosing one tariff over another

A small difference in the price of each kWh can add up over the year.

If you drive 15,000 km and we take a consumption of 17.6 kWh/100 km as a reference, we are talking about roughly 2,640 kWh a year before charging losses.

But the annual cost does not just depend on those kWh.

Everything you consume at home also counts.

Therefore, the most useful comparison is calculating how much you would pay for your entire supply over a year with each tariff.

Do not confuse a promotion with the tariff price

A discount can significantly change the outcome of a comparison, but only for a limited time.

Before taking out a contract, do two calculations:

During the promotion: how much you would pay.

After the promotion: how much you would pay when it ends.

Currently, Endesa's Recarga en Casa tariff offers a 20% discount for one year on the energy unit rate applied to consumption exceeding the allowance, for new contracts.

This way, you can see if the tariff still suits you once the promotional period ends.

What changes if you also install the charger with Endesa

If you do not yet have a charging point at home, you can evaluate the installation and the tariff together.

Endesa offers the option of taking out the Waybox charger alongside the Recarga en Casa tariff. The current offer includes, subject to its terms, a permanent 30% discount on the monthly fee and a 20% discount for one year on excess energy consumption.

Depending on the model, the charger can also feature charge management and app-control functions.

In any case, before signing up, it is advisable to compare the combined cost of the tariff + charger + installation.

Frequently asked questions about electric car tariffs

What is the best tariff for charging an electric car in 2026?

It depends on your mileage, your charging times and your household consumption. To compare them, calculate how much you would pay for all the electricity for your house + car with each option.

Is it cheaper to charge the car at night?

It can be if your tariff offers a lower price during those hours and you can concentrate your charging then. But it is not always worth it: it also depends on the rest of your consumption.

When is the cheapest time to charge?

It depends on the tariff you are on. Always check its specific hours and prices.

Do I need a special tariff?

No. You can charge an electric car on a standard domestic tariff. A specific tariff might interest you if its conditions better suit your charging habits.

How many kWh does an electric car need per month?

It depends on the mileage and the vehicle's consumption. As a reference, 1,250 km a month with a consumption of 17.6 kWh/100 km equates to around 220 kWh.

Is an off-peak tariff always worth it?

No. It can be worthwhile if you usually charge during the cheapest hours. If you also use a lot of electricity during the rest of the day, you have to compare the full bill.

Does a fixed price mean a fixed bill?

No. It means the energy price does not change depending on the time, within the conditions of that tariff. But if you consume more electricity, you will pay more.

Does a PHEV need a specific tariff?

Not necessarily. It will depend on how many kilometres you drive in electric mode and how much energy you need to charge it at home.

Do I have to increase my contracted power?

Not necessarily. It depends on your contracted power, the charger and the appliances you use simultaneously.

How much does it cost to drive 100 km?

It depends on the car's consumption and the price of electricity. For example, with 17.6 kWh/100 km and a price of €0.15/kWh, the baseline energy cost would be €2.64 per 100 km.

What happens if I exceed the included kWh?

The kWh that exceed those included in the allowance are billed separately at the corresponding energy price, applying any relevant discounts. Furthermore, the included kWh are subject to a limit of 60% of the total consumption for the billing cycle.

Does Recarga en Casa always include 216.99 kWh?

The tariff allows up to 216.99 kWh per 30-day billing cycle, according to current conditions. But those kWh cannot exceed 60% of the total consumption for the cycle. Therefore, it does not mean you can automatically deduct 216.99 kWh from any bill.