SIM only contracts are a popular choice for those who already have a phone and wish to save on monthly costs without the commitment of a handset-inclusive plan[1].
Key benefits of SIM only deals include:
- Lower monthly payments – Without financing a handset, you often pay significantly less per month[2].
- Flexibility – Many plans are available on rolling 30-day, 12-month, or 24-month terms, making it easier to switch or cancel[3].
- Keep your phone – If you are happy with your device, you avoid waste and the expense of a new one[1].
- Simpler credit checks – Fewer requirements than handset contracts, with some rolling monthly SIMs needing none at all[4].
- Environmental benefit – Extending your phone’s lifespan reduces electronic waste[1].
Research by Ofcom indicates it’s roughly 23% cheaper to buy a phone outright and combine it with a SIM only plan than to take a bundled contract[1]. Switching to a SIM only plan at the end of a handset contract can save up to £351 per year[4].
How to Switch to a SIM Only Plan:
- Check if your phone is unlocked and if you’re no longer under contract with your provider[3].
- If keeping your number, request your PAC (Porting Authorisation Code)–text PAC to 65075 and provide this to your new network[3].
- Shop around and compare deals for the best value, allowances, and perks–many major networks and discount providers regularly update offers[2].
- Insert your new SIM or activate your eSIM and start using your new service[3].
Types of SIM Only Deals:
- Monthly rolling SIMs – Maximum flexibility, cancel any time.
- 12- or 24-month contracts – Generally lower rates in exchange for a longer commitment[3].
- Pay-as-you-go (PAYG) – Top up as needed, ideal for those with light or unpredictable use[3].
- Data-only SIMs – For tablets or hotspots[3].
- Unlimited data deals – No caps, best for heavy users[3].
Potential drawbacks:
- If you don’t already own a phone, buying a handset outright can mean a higher initial outlay, though it usually saves more over two years[1].
- Some SIM only plans have strict data allowances, so check terms closely for restrictions and additional fees[1].
Other Features and Considerations:
- Some networks include extra perks (such as roaming or streaming offers) as part of their SIM only plans[2].
- Roaming policies vary–if you travel frequently, confirm included international usage options[2].
- If your credit is poor, check specialist providers like Smarty or Voxi, which may offer more accessible plans[4].