SIM only deals UK 2026

Stop overpaying
for your mobile.

Compare SIM only deals from leading UK networks. Unlimited data, 30-day rolling, 5G, PAYG, family SIMs and data-only plans. All in one place.

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Three: Unlimited from £10/month · Smarty: Unlimited 30-day from £16/month · giffgaff: From £6/month, O2 network · Lebara: From £5/month incl. international calls · EE: Best 5G and 4G coverage in the UK · ID Mobile: Flexible SIM plans, use data abroad · Three: Unlimited from £10/month · Smarty: Unlimited 30-day from £16/month · giffgaff: From £6/month, O2 network · Lebara: From £5/month incl. international calls · EE: Best 5G and 4G coverage in the UK · ID Mobile: Flexible SIM plans, use data abroad
The honest take

If your phone is paid off or you own your handset outright, there is almost no reason to stay on a phone contract. SIM only plans give you exactly the same calls, texts, and data for significantly less money. The average person switching from a rolling contract to SIM only saves around £20 per month. that is £240 a year for doing nothing except swapping a SIM card. The networks do not advertise this fact particularly loudly, for obvious reasons.

How much could you save

SIM only vs phone contract: the real numbers

Data allowance Typical contract SIM only equivalent Monthly saving
5GB £25 to £35/month £5 to £8/month £17 to £27
Unlimited £40 to £55/month £15 to £25/month £20 to £35
Unlimited + 5G £45 to £60/month £18 to £30/month £20 to £35

The saving is largest on unlimited data plans. A typical unlimited contract runs £40 to £55 per month. An equivalent SIM only unlimited plan from Three or Smarty costs £15 to £25 per month on a 30-day rolling basis. no contract needed.

Choosing a network

Which network is right for you?

Every major UK network offers SIM only plans but they differ on price, coverage, and what they are best at. Here is the honest summary.

Three

Best for: unlimited value
From £10/month unlimited

Smarty

Best for: cheapest no-contract
From £16/month unlimited

giffgaff

Best for: flexibility
From £6/month (O2 network)

Lebara

Best for: international calls
From £5/month

EE

Best for: 4G and 5G coverage
From £18/month

Vodafone

Best for: reliability
From £15/month

Networks like Smarty, giffgaff, Lebara, and ID Mobile are MVNOs. they run on the infrastructure of the big four networks but charge significantly less. If you have good coverage from O2, Three, EE, or Vodafone in your area, an MVNO on that network will give you the same signal for less money.


FAQ

Questions about SIM only deals

A SIM only deal gives you a SIM card with calls, texts, and data but no handset. You put it in a phone you already own. SIM only plans are significantly cheaper than phone contracts because you are not paying off a handset. They come on 30-day rolling, 12-month, and 24-month terms from all major UK networks.

Yes for most people. If your phone is paid off, switching to SIM only typically saves £15 to £30 per month for the same data. Over a year that is £180 to £360 saved. The only reason to stay on a contract is if you want a new handset and want to spread the cost.

Yes. Text PAC to 65075 and your current network must send your PAC code within two minutes. Give it to your new network when you sign up and your number transfers within one working day. You will not lose your number during the switch.

30-day plans cost slightly more per month but let you cancel or change anytime. 12-month plans lock you in but offer a lower monthly price. If you are confident in your usage and network choice, 12 months offers better value. If you want flexibility, the small premium on a 30-day plan is worth it.

If your phone is unlocked it will work on any UK network. Phones bought outright are usually unlocked. Phones bought on contract may be locked. contact your current provider to unlock it for free once your contract has ended. iPhones bought directly from Apple are always unlocked.


Not sure which SIM is right for you?

Get in touch and we will help you find the best plan for your usage and budget.

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