How to compare mobile phone deals in the UK
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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.
Skip this if: Skip a new 24-month handset contract if the phone is already paid off, if a social tariff undercuts retail, or if you still owe handset instalments you cannot settle. This is not a live price list.
Should you choose SIM-only or a 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; 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. Ofcom requires those rises in pounds and pence at sale.
| If this is you | Usually choose | Skip if |
|---|---|---|
| Handset already paid off | SIM-only, keep the number with a PAC | You still owe handset instalments you cannot settle |
| Need a phone and cannot pay cash | A handset contract — model total cost including rises | A 30-day rolling SIM plus a used unlocked phone is cheaper |
| On Universal Credit or Pension Credit | Check a mobile social tariff first | You assume every network offers one at the same price |
How much data and coverage do you actually need?
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. 5G is widespread in cities but not essential for browsing and messaging.
How do you switch and keep your number?
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. Do not cancel the old SIM before the port completes.
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.
Common 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.