A cellular telephone includes a receiver for receiving cellular communications and a transmitter for transmitting cellular communications. A controller is coupled to the receiver and the transmitter and controls the receiver and the transmitter based on the command signals. The controller includes a first memory for storing call rate information indicative of rates charged for the cellular communications. A timer provides a timer signal indicative of a time during which the cellular communications take place. The controller determines the amount of currency to be charged for the cellular communications based on the call rate information and the timer signal. An administrator station is provided for loading a threshold amount of currency into the cellular telephone. The entire system can be tracked and managed, and system wide statistics are available to the system operator.