Contract, SIM only, or Pay as you go?

The choice between contract, pay monthly, or pay as you go is either non existent, or the most difficult choice to make when it comes to mobile phones. A lot of people have a personal preferrance and just go with that, but for those that are wise to the differences, making the right choice can make a huge difference. 

Our advice is - don't discount an option. Decide what you need, what you can afford, and compare your options in each category. Take a look below before you make your mind up.


Pay as you go (PAYG)

If you already have a phone, don't mind a cheap phone, or have a lot of cash to purchase a handset out of contract AND only use it occasionally. This is probably the best option for a younger person or someone who has a poor credit history. With this option you pay for your calls, texts, and 3g internet access up front, and when your credit runs out, you need to top up again. This is the easiest way to avoid a big bill (or indeed any bill) at the end of the month.

There are several ways to top up your credit, all of them very easy; At most major high street retailers, via your handset (with credit/debit card) or online.


SIM Only

This option sits midway between pay as you go and a contract deal. The idea is that you can pay a set monthly fee and receive great value on your calls, texts and internet, yet you would only ever need to give 30 days cancellation notice and arenít bound by a 12, 18, or 24 month contract. The important part of this deal is that you donít get a handset so you will need to supply your own, however you can expect to receive a better value call plan. 

As the name suggests, you only get a SIM card. You will need to put this card into your phone and port your number over if you want to keep your old number. You will get billed on a monthly basis and any numbers or services that you use outside of your plan will be billed, so if your not careful then you could end up with a big bill. You will need to pass a credit check for this option.


This option is for the serious mobile phone user. This is currently the most common deal for a mobile phone in the UK. You are tied into a contract to pay a set monthly fee, normally over a period of 12, 18, or 24 months. As long as you don't over over your limit of texts, minutes, or data, and don't use any chargeable services, you will pay a set monthly price which makes it easier to plan. This can often be the most cost effective way for your to use a phone as you have a bundle of minutes, texts, and sometimes data, as well as a free handset.




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