A 5G VPN works on the same basic principle as a VPN over Wi-Fi: it encrypts traffic between your phone and a VPN server. A VPN can also work over 4G and other cellular connections, provided your phone has internet access and the network allows the connection. You do not generally need a separate VPN just because you switch between 4G and 5G.
For more detail, the guide to VPN use on mobile data covers whether VPNs work on cellular connections, alongside data usage and battery consumption. These are useful topics to check if you regularly browse, stream or work away from Wi-Fi.
VPN traffic still counts towards your mobile data allowance. Encryption and the extra information needed to carry traffic through the VPN add some overhead, so transferring the same content will generally use slightly more data.
There is no single percentage that applies to every connection. The amount depends on the VPN protocol, settings and traffic involved. Streaming quality, large downloads and background uploads can make a bigger difference to your allowance than the VPN itself.
For everyday use, the useful question is how your phone behaves during your usual activities. Start with its data and battery figures, then adjust the settings that make a measurable difference.
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