SIM only deals: comparing the cheapest service providers


It is somewhat of an open secret that a big portion of one’s monthly mobile bill can be attributed to the cost of their handsets. Operators might offer a free phone, but what that essentially means is that the cost of the phone is spread out within the contract over a period of time. However, even for sim only deals, one will have to navigate the crowded field of service providers to find the most appropriate for their use and lifestyle. Here is a detailed comparison of both the major and virtual service providers in the UK market.

Three offers perhaps the best sim only deal, perhaps the cheapest when it comes to unlimited data contracts in the UK. For only £17, one gets unlimited data, as well as many texts as one can send, and up to 200 minutes of voice calls. If one needs more, they can get the three unlimited everything contract for an additional £3 every month. Three offers 4G connectivity at no extra cost, so all SIM deals are compatible with the network’s fast 4G network. On the lower scale, the cheapest deal on Three is a 12 month contract which offers 200 minutes, unlimited text and a 500 MB data limit for £8 per month.

It is hard to beat GiffGaff on a price platform, with their cheapest deals coming in at £5 per month. Even though this does not give too much leeway, for those who simply want to keep their phone going with the occasional internet use capability outside the home Wi-Fi, GiffGaff is the strongest offering on the market. The £5 GiffGaff contract offers 100 minutes of voice calls, 300 texts and a data limit of 100MB.

TalkTalk Mobile is a telecoms company which offers home phone, broadband, and television packages. The best deals therefore mean one might have to sign up for more than one service. However, the cheapest deal offered by TalkTalk mobile is the £ 7.90 deal, which offers 250 minutes, 250 texts and a data limit of 450MB every month.

For users who do not wish to stray too much away from the mainstream, O2 offers network reliability and good coverage. O2 offerings are however a mixed combination of expensive and reliably cheap. The cheapest sim deals go for around about £ 8.50 per month. However, their prices might increase as one adds minutes and data to their bundles. The cheapest £ 8.50 per month deal offers users a 12 month contract with 100 minutes, unlimited text, and a 100MB data limit.

Another one of the traditional mobile phone networks is Vodafone. Just like O2, its strongest suit is not on cheap sim only contracts but on the sale of mobile phone contracts. Their sim only deals are ideal for those who do not use a lot of data or minutes. For £7.30 per month, one gets a 12 month contract with unlimited minutes and text, and a data limit of 1GB every month. It is important to note, though that some of these deals are monthly rolling contracts.

Discovering the benefits of PAYG contracts


Phone contracts might be the most popular, but PAYG deals can also be useful, should one choose to go that way. Users who do not spend as much on their phones would perhaps consider switching to the pay as you go deal. PAYG deals offer great value, given the fact that there are no minimum monthly charges. With the PAYG deal, there are no surprises or nasty bills. All one uses is the pre-paid credit, so all bills are paid up front. PAYG contracts do not tie the user down for as long as monthly contracts, so one has the luxury of walking out at any time. Furthermore, they require no credit checks and can be accessed by individuals under 18, unlike monthly contracts.

Before rushing for a PAYG contract, though, it is prudent to decide if it is the best option. Technically, there is no single better mobile phone contract option, only the most suitable given the usage habits of the customer. Those who use less than £10 on mobile top ups every month could consider the PAYG package.

On the PAYG contract, one needs a PAYG phone. After topping up their credit, one can make calls, send texts and surf the internet. When the credit topped up runs out, one simply tops up again. PAYG accounts often offer several ways to top up one’s account. One can top up online, over the phone and sometimes even via text. There is also the option of top up vouchers, which are available in supermarkets, or top up through cash machines.

On top of the choice of contract, one will also likely have to choose the service provider to use after deciding on the PAYG contract. One can either choose from the four major providers, O2, 3, EE and Vodafone, or choose from one of the many service providers which piggy back on the major service providers. Options include Virgin Mobile, Asda Mobile, Tesco Mobile, Giff Gaff and Talkmobile. These virtual operators offer extremely cheap mobile contracts.

Even the PAYG package still has variations when it comes to choosing the best deal. It is more than simply buying credit, topping up and being able to send texts and make calls. It will likely involve choosing the best tariff, often dependent on one’s usage patterns. Heavier users will likely be better off buying bundles which gives more for the money. However, one will likely have to use their bundles within a month or they expire.

The downside with the typical PAYG deal is the fact that one has to pay upfront for their mobile phones. Users looking for the latest smartphones, for instance, will likely have to pay dearly. For example, the iPhone 6 will cost upwards of £720 on a typical PAYG deal. However, all factors considered, for light users especially, one will enjoy the PAYG deal immensely. Getting cut off while on a call is very frustrating. It is important to remember, though, that if one does not use their PAYG number regularly, then it could be deactivated.

Advantages of monthly contracts


When looking for the combination between an up to date mobile phone and great deals on calls, text and data, look no further than contract mobile phones. This option allows the user to get the attest of the major phone manufacturer handsets, the Samsung galaxy, iPhone, HTC or Sony, for a much lower price than one would pay if they bought it upfront. In fact, in many cases, there is no upfront fee required. However, any good deal will obviously be offered by many service providers, with multiple variations and different options. With this guide, though, the choice of the most appropriate contract phone deal will only get easier. Here are some factors to look at when choosing a monthly contract

Like any other deal, it is important to understand exactly what one is getting themselves into before they sign. Having a contract phone means getting into a contract lasting 12, 18 or 24 months, with the customer provided with a mobile phone and a monthly data, text call allowance. When choosing a mobile phone contract, the customer will likely have to choose the package that contains the number of minutes, texts and data that they think suits them, and pay a fixed price for their choice of package every month. If one makes the right choice, they do not have to worry about topping up their mobile phone or running out of credit. For many deals, though, even if one uses all their texts, minutes and data, they will still be able to make calls and browse, and will be charged for them at the end of every month.

A mobile phone contract has several advantages. For many people, the biggest one is the fact that the contract comes with a free handset. Almost every contract has them, and there often is a wide range of options to choose from. However, for those looking for the very latest, one might have to pay a small one off contract fee.

The deals on usage are also incredibly cheaper than other phone contract options. Even though one still gets charged if they exceed their limit, the deal will most likely be cheaper than the average pay as you go deal.

After one signs up for a monthly phone contract, many networks will likely offer free gifts with the package. The gifts range from hands-free headsets and accessory packs to PlayStations and Xbox gaming consoles. However, some of these gifts are becoming less common, and are being replaced by vouchers and cash back. Carriers might also offer reward schemes and value adding benefits, like two for one cinema tickets of free music streaming.

The downside of the monthly contract is that the total paid out over the length of the contract will be more than one would have paid if they had bought the phone outright or signed up for a sim only contract. However, given the features and price range of the newest mobile phones in the market, it is likely one might not be able to pay £700 upfront.

Choosing the Most Appropriate Mobile Phone Package


That mobile phones are a necessity in today’s world can probably now be safely termed as the biggest understatement. Thousands of companies and firms offer mobile phone deals, and it can be difficult getting to choose the right one. There are three options to choose from when it comes to mobile phone contracts, PAYG, sim only and contract phone deals. The first step, perhaps then should be to choose the best package first. The Pay as you go, or PAYG deal, is suitable for light mobile phone users who spend less than ten pounds every month.

The monthly contract, on the other hand, is useful for those looking to buy pricey, top of the range mobile phones. Heavy users with phones already can opt for the sim only deal. The choice will, however, not only depend on how heavily one uses their phone for calls, texts and internet browsing, but also on how often they want an upgrade to new, probably higher range handsets.

PAYG contracts

With the pay as you go tariff, there is no requirement for a fixed monthly fee, and one does not have to sign up for any direct debit agreements. PAYG requires the user to top up their mobile credit in advance. After using up all the credit, one cannot make any outgoing calls until they top up again. This option is ideal for light phone users, those who spend between £10 and £15 every month.

Monthly contracts

This is the traditional mobile contract that requires the user to pay fixed direct debit monthly fee. After paying these fees, one gets a free or a subsidized mobile phone as well as a fixed number. The fixed number and phone will be inclusive of calls, data and texts. However, this type of deal will often require the user to commit to a contract lasting between 12 and 24 months. This is the most appropriate deal for those looking to buy smartphones without necessarily having to cough up the whole amount upfront, or those who run large monthly phone bills regularly.

Sim-Only deals

Just as the name suggests, with a sim only deal, one gets a free sim card but not a free mobile phone. The deal, however, still allows the user the allowance of calls, data and texts. The monthly costs will however likely be lower than they would have been with a regular monthly pay mobile contract. Another huge advantage of sim-only deals is that they often only tie down the user for up to 30 days at a time.

When choosing a mobile phone contract, most deals will likely come with the possibility of mobile phone insurance. These insurance deals are not necessarily cheap, and one might find that their home insurance deals cover their phones. However, if one decides they need phone insurance, they must not be rushed by the selling networks to sign up on that very day. Just like any other insurance deal, take time to read the fine print before signing up. If possible, take time to shop around for a suitable deal.

Choosing No credit check mobile phones


With mobile phone contracts enjoying immense popularity among UK citizens, the stumbling block that was credit checks before one could be approved was finally removed with the launch of no credit check mobile phones. UK citizens with a poor credit rating could finally apply for a mobile phone contract without having to worry on end as to whether they will be approved or not. The domino effect was of course the assurance and peace of mind that in spite of the credit score status of an individual, they could take pride in the fact that enjoying the benefits that come with having a mobile phone contract was an assured thing.

This notwithstanding, there are a number of things that a person should be aware of prior to applying for no credit check mobile phones.


The fact that you have bad credit or your credit score is in debilitating status does not mean that you don’t have a choice when it comes to choosing a no credit check mobile phone provider. Just like other ordinary mobile phone contracts, no credit check mobile phones are also offered by a number of network providers across the UK. You therefore have the choice to compare the different providers and apply with a provider you feel the package they offer is in tandem with your needs.

Contract length

As is the case with all mobile phone contracts, no credit check mobile phones also have a commitment period. This refers to the length of period for which a customer is locked into the contract. Most providers in the UK require that a person be committed for at least 18 months with the maximum period of commitment at the discretion of the customer. With new and attractive deals being unleashed every now and then, it’s important that you be wise while choosing the commitment period to your contract. You might go for a 2 year contract period and find yourself unable to get out of the contract when a better deal is offered by a different provider.

Upgrade option

The fact that your credit score is in debilitating status does not mean that you should have the short end of the carrot stick. While the perks for no credit check mobile phones pales in comparison to contracts designed for people with a healthy credit score, a number of UK providers offer customers an opportunity to upgrade to a better plan in the foreseeable future provided that they are steadfast in making payments without defaults. In this regard, while choosing no credit check mobile phones it is important that you go for a provider that gives you the option to upgrade to a better plan if you prove to be a diligent and reliable customer.

Minimum credit score

Ordinarily, most providers pitch that they don’t carry out any credit checks at all. However, it’s a requirement that UK providers carry out credit checks before they can be approved a person for a mobile phone contract. While choosing no credit check mobile phones, find out whether your provider places a caveat based on your credit score or if the same doesn’t matter all together. There are network providers that pitch credit checks are never done while those that place a minimum score for which you can be approved for a contract. if you feel as if your credit score is in debilitating status, the best course of action would be to do business with a provider that does not require you to have a minimum set credit score.


Always choose a provider that gives you a wide array of options. Do not do business with a provider that gives you only one plan. there are different network providers that offer different no credit mobile phones and therefore its essential that you do your research and go for one that gives you various options. For a glimpse and understanding of different mobile phone contracts, you can take a look at The kind of plan you go for is entirely dependent on how you take into consideration the above mentioned factors.