# How to compare mobile phone deals in the UK

> Bills & utilities · Last updated 4 July 2026

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## Quick answer

Compare mobile on total contract cost, data allowance, handset vs SIM-only, network coverage, mid-contract price-rise terms and exit fees — not headline monthly price alone. SIM-only suits keeping your phone; contracts bundle handset repayments over 24–36 months.

Mobile is a recurring bill where the wrong contract can cost hundreds over two years. Ofcom rules require annual in-contract price rises to be shown in pounds and pence at sale. This hub explains how to compare fairly — information only, not a product recommendation.

## Key facts

- SIM-only plans are cheaper if you own a handset — typical £8–£25/month for moderate data
- Handset contracts spread device cost over 24–36 months — early upgrade fees apply on many networks
- PAC code lets you keep your number when switching — request from your old provider
- Social tariffs offer discounted mobile for qualifying benefits — often £10–£15/month
- Ofcom requires disclosed annual price rises in £/month at point of sale

## SIM-only vs phone contract

SIM-only means you pay for airtime and data only — you supply the phone. Best when your handset works well and you want lower monthly cost.

Phone contracts bundle a new or refurbished handset with airtime. The device cost is spread across the term — leaving early usually means paying remaining handset balance plus exit fees.

Compare total cost over the full term, including any upfront payment and disclosed annual rises.

## Data, coverage and fair use

Track your actual monthly data use in phone settings before choosing a plan. Unlimited deals often have fair-use policies or speed caps after high usage.

Coverage varies by postcode — check each network's map, especially for rural home broadband backup use.

5G availability is widespread in cities but not essential for browsing and messaging.

## Switching and social tariffs

Text PAC to 65075 to get a Porting Authorisation Code — give it to the new provider to keep your number. Switching usually completes within one working day.

If you receive Universal Credit, Pension Credit or some other benefits, check whether you qualify for a mobile social tariff — separate from standard consumer deals.

Mid-contract price rises apply once a year on many contracts — add them to lifetime cost when comparing.

## Frequently asked questions

### Is buying a phone outright cheaper?

Often yes over two to three years if you pair with a cheap SIM-only deal — but you carry repair and replacement risk yourself.

### Can I leave if signal is poor?

Poor coverage alone rarely ends a contract penalty-free unless the provider guaranteed coverage and fails to deliver — check terms and Ofcom guidance.

### Do social tariffs need a credit check?

Most social tariff applications verify benefit entitlement rather than credit score — check each provider's process on the Ofcom social tariffs list.

## Primary source

https://www.ofcom.org.uk/phones-and-broadband/saving-money/social-tariffs

## Related

- [SIM-only mobile switching](https://moneyguide.org.uk/bills-utilities/sim-only-mobile-switching/)
- [Mobile social tariffs](https://moneyguide.org.uk/bills-utilities/mobile-social-tariffs-uk/)
- [Social tariffs hub](https://moneyguide.org.uk/bills-utilities/social-tariffs-uk-guide/)
- [Featured offers*](https://moneyguide.org.uk/offers/)

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Independent UK money guidance from [Money Guide](https://moneyguide.org.uk). Information only — not regulated financial advice.