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My plan is for 4G but my phone connects to 5G often. Am I going to be billed extra if I use data at 5G? 

Thanks. Just need to know if I need to explicitly turn 5G off. 

No,

You can connect to a 5G tower, but speeds are capped at 4G speeds.

 

https://www.koodomobile.com/en/help/data-speeds