Looking to keep using your current phone? SIM-only deals are a great way to save money on your mobile bill without upgrading your handset.
So, is switching to a SIM-only deal the right move for you?
Check out some of the best SIM-only deals available and find the perfect plan that fits your needs.
What is a SIM-only deal?
A SIM-only deal gives you a monthly package of minutes, texts and data, without the cost of a new handset. It’s typically cheaper than a traditional mobile phone deal because you’re only paying for the SIM card, which you can insert into your existing phone. Perfect for anyone happy with their device and looking to save on their mobile bill.
SIM stands for 'Subscriber Identity Module,' the small card that connects your phone to your network for calls and texts. It also stores your contacts and emails, which you can easily transfer to another device, provided it’s not locked to a different network.
What are the benefits of SIM-only deals?
There are plenty of reasons why a SIM-only deal could be the perfect fit for you:
Better savings
Without paying for a new phone, SIM-only deals are usually much cheaper than traditional contracts or pay as you go options. And with so many competitive deals available, you’ll likely get more data for less. If you’re eyeing a new handset, paying outright for a SIM-free phone and choosing a SIM-only deal can also save you money compared to monthly contracts with interest.
Keep your current phone
Happy with your current handset? SIM-only deals let you upgrade your plan with more minutes, texts, and data, without the need to buy a new device.
Greater flexibility
SIM-only deals often offer more flexibility than traditional contracts, including adjustable data bundles you can increase or cancel as needed. Plus, they’re available as short-term or one-month rolling plans, giving you the freedom to switch tariffs whenever it suits you.
Easier to switch
Some monthly mobile contracts can lock you in for as long as two years.
Traditional contracts can lock you in for up to two years, but SIM-only deals allow you to upgrade sooner. When a better offer comes up, you can grab it before it’s gone. Plus, since you’re not tied to a phone, SIM only deals typically have less stringent credit checks, meaning you might still qualify even if you’ve had poor credit in the past.
SIM-only deals for tablets
If you have a tablet like an iPad or Samsung Galaxy Tab, SIM-only deals could be a more cost-effective option, especially for on-the-go use.
For example, data-only SIMs let you stay connected wherever you are, without relying on Wi-Fi.
Just like other mobile plans, you'll have a set monthly data allowance, so be mindful of your usage to avoid extra charges.
Planning to use your tablet abroad? Make sure your SIM-only deal includes data roaming.
Are SIM-only deals the most cost-effective option?
If you’re happy with your current phone and want to save money, a SIM-only deal is almost certainly the cheaper option. You’ll get unlimited calls and texts, plus the data you need, all for a more affordable monthly price.
Alternatively, a pay-as-you-go SIM might work if you only use your phone occasionally and don’t need much data.
Check out our comparison table above to find the best SIM-only deal for you, or explore our guide for more mobile money-saving tips.
Do SIM-only deals require a credit check?
Some networks might carry out a credit check when you sign up for a SIM-only deal.
But don’t worry, SIM-only credit checks are usually less strict than those for full mobile plans. Even if you’ve been turned down for a monthly contract in the past, you might still qualify for a great SIM-only deal with your preferred provider.
How to switch SIM-only deals
Switching to a SIM-only deal is simple. Just follow these steps, and you’ll be all set:
1
Contact your current network
When your contract ends, contact your network to avoid being charged the same monthly fee. If you’re switching within the same network, they’ll confirm the details. If switching through a third party site like us, check with your provider about transferring your number and any cancellation fees.
You can also find out if there are any cancellation charges by texting INFO to 85075 (a free Ofcom number).
2
Obtain your PAC or STAC code
You can start this process by texting from any UK network. Text ‘PAC’ to 65075 (to keep your number) or ‘STAC’ to 75075 (for a new number) to get your code within minutes.
3
Unlock your phone
4
Compare SIM-only deals
Use the filters above to compare SIM-only deals. If you stream or browse a lot, look for deals with unlimited data. Switching networks has never been easier. Compare now to see if you can save money.
Frequently asked questions
What are the different types of SIM card?
There are three main types of physical SIM card:
- Standard (25mm x 15mm)
- Micro (15mm x 12mm)
- Nano (12.3mm x 8.8mm)
Most modern phones use nano SIMs, while older models may use standard or micro. The good news is most providers offer three-in-one SIMs, allowing you to break the plastic for a better fit.
Electronic SIMs (eSIMs) which are embedded directly in devices, are available for newer models like the latest Apple, Samsung and Google Pixel phones.
What contract lengths are there for SIM-only deals?
SIM-only deals typically come in 12-month or 1-month rolling contracts. Longer contracts often cost less upfront, while shorter ones offer more flexibility. Some providers also offer 30-day rolling contracts, great for those who prefer the freedom to switch.
If monthly payments aren’t ideal, a Pay As You Go plan may be worth considering.
How much data do I need on my SIM-only deal?
Your data needs depend on how you use your phone.
- For browsing and social media, 5GB per month should be enough.
- For streaming or gaming, consider a higher allowance.
Check your current data usage to help you decide. If you’re unsure, ask your provider for advice.
Which networks are best for SIM-only deals?
Will a SIM-only deal help improve my credit rating?
If you choose a 12-month or longer SIM-only deal and pass the credit check, it can improve your credit score. By paying your monthly fee on time, you show lenders you're reliable, boosting your credit.
But missed payments could harm your credit rating. If you’re worried about staying on top of payments, a rolling one-month plan may be a better option, allowing you to cancel or downgrade your plan if needed.
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