Find your perfect phone deal

    Ready to save on your next phone contract? We'll help you discover the best monthly plans and latest handsets at prices you'll love.

    Finding the perfect phone deal: 4 essential steps

    Want to get the best value from your next phone contract? Here's your simple guide to making the right choice:

    Choose your perfect phone

    Consider what matters most in your next device:

    • •Latest tech or mid-range value
    • •Battery life and screen size
    • •Camera quality and storage space
    • •Brand preference (iPhone, Samsung, Google)

    Calculate your monthly needs

    Most plans include unlimited calls and texts, so focus on:

    • •Your typical data usage
    • •Streaming habits (Netflix, YouTube, Spotify)
    • •Social media and gaming time
    • •Work requirements (email, video calls)

    Not sure about data? Use our calculator to get a personalized estimate.

    Check network coverage

    Before signing any contract:

    • •Test coverage at home and work
    • •Compare 4G and 5G availability
    • •Read customer reviews
    • •Consider family and friends' network experiences

    Balance your budget

    Understanding the full costs:

    • •Higher upfront payment = Lower monthly costs
    • •Contract length (12-36 months)
    • •Total cost over contract period
    • •Additional features included (insurance, roaming)

    Remember: The cheapest monthly price isn't always the best deal - look at the total package and what you're getting for your money.

    Benefits and Drawbacks of Monthly Phone Contracts

    ADVANTAGES

    1. Spread the cost

    • • Latest phones available with minimal upfront payment - get an iPhone 15 or Samsung S24 for a fraction of the retail price
    • • Break down £1000+ device costs into manageable monthly payments from £30-£60
    • • Access premium features and high storage options without large initial investment
    • • Ability to upgrade to newer models through early upgrade programs

    2. Better value packages

    • • Generous data allowances typically starting from 25GB up to unlimited
    • • All plans include unlimited UK calls and texts as standard
    • • EU roaming options often included (worth £2-£10 per day abroad)
    • • Premium network features like 5G access, Wi-Fi calling, and visual voicemail
    • • Family discounts and multi-line savings available

    3. Added convenience

    • • Set up Direct Debit for hassle-free automatic payments
    • • No running out of credit or emergency top-ups needed
    • • Easy-to-track monthly bills and usage through network apps
    • • Simple upgrade process when your contract ends
    • • One bill covering both phone and usage

    4. Extra perks

    • • Free subscriptions to popular services like Netflix, Disney+, or Spotify (worth up to £15/month)
    • • Additional cloud storage for photos and files (usually 50GB-100GB)
    • • Priority access to concert and event tickets
    • • Network rewards programs offering weekly/monthly benefits
    • • Phone insurance options and extended warranty coverage

    DISADVANTAGES

    1. Long-term commitment

    • • Most contracts lock you in for 24-36 months
    • • Early termination fees can cost hundreds of pounds
    • • Limited flexibility to change networks if coverage issues arise
    • • Stuck with same phone unless you pay early upgrade fees
    • • Must maintain consistent monthly payments

    2. Financial obligations

    • • Credit checks required - may affect credit score
    • • Monthly payments must be maintained even if financial situation changes
    • • Typical contracts range from £35-£75 per month
    • • Automatic renewal if you don't give notice
    • • Potential price increases during contract period

    3. Higher overall cost

    • • Total cost over contract often £200-£300 more than buying outright
    • • Interest effectively included in monthly payments
    • • Additional insurance costs £5-£15 per month
    • • Setup or activation fees may apply
    • • Premium rate numbers and international calls usually extra

    Make Your Choice

    Consider monthly contracts if you:

    • • Want the latest devices without large upfront costs
    • • Need generous data allowances
    • • Value convenience and included extras
    • • Can commit to regular payments

    Choose SIM-only if you:

    • • Already have a phone you're happy with
    • • Prefer flexibility to switch providers
    • • Want to minimize monthly costs
    • • Don't need the latest handset

    Use our comparison tool to find the best deal for your needs and budget.

    Keeping Your Phone Number When Switching Networks

    Getting Your PAC Code

    Send a free text message with 'PAC' to 65075, and you'll receive your unique PAC code almost instantly. This code is your key to transferring your number and will remain valid for 30 days. Every UK mobile number is eligible for this service, regardless of whether you're on a contract or pay-as-you-go plan.

    Starting The Switch

    Once you have your PAC code, share it with your new provider when signing up for your chosen plan. You can do this either online through their website or in-store with their staff. Your new provider will confirm they've received the code and initiate the transfer process.

    During The Transfer

    While your number is being transferred, continue using your current SIM card as normal. The transfer typically takes between one and three working days to complete. Throughout this time, you'll receive text updates about the progress of your switch, and your service won't be interrupted.

    Completing The Process

    You'll receive a confirmation message when your number has been successfully transferred. At this point, simply insert your new SIM card and you're ready to go. Your contacts won't notice any change – they'll still reach you on the same number they've always used.

    Understanding Pay Monthly Phone Contracts

    Choosing Your Deal

    Take time to select a handset that meets your needs and a data plan that matches your usage. Consider the contract length carefully – most run for 24 months, but you might find 12 or 36-month options. Look at the included benefits, such as streaming subscriptions or roaming allowances.

    The Sign-up Journey

    The application process is mostly completed online. You'll need to provide identification and address details for a credit check. This check helps providers ensure you can manage the monthly payments. Once approved, you'll set up a Direct Debit for your monthly payments.

    Initial Setup and Payments

    Many contracts, especially for premium phones, require an upfront payment. This reduces your monthly costs and secures your handset. You'll also need to consider the timing of your first monthly payment and any additional costs like insurance or delivery charges.

    Getting Started With Your New Phone

    Your new phone will typically arrive within a few working days. The activation process is simple, and if you're keeping your old number, you can start the transfer process right away. Most modern phones make it easy to transfer your data, apps, and settings from your old device.

    Managing Your Contract

    Keep track of your monthly payment dates and monitor your usage through your provider's app or website. Understanding your bill and knowing how to contact customer support will help you manage your contract effectively.

    Remember to mark your contract end date in your calendar and set a reminder for 30 days before. This gives you time to explore new options and ensure you're always getting the best value from your mobile phone contract.

    Need more guidance? Our team of experts is ready to help you through every step of the process, from choosing your perfect plan to setting up your new phone.