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: truly unlimited data, no speed caps · Smarty: no-contract plans on the Three network · giffgaff: flexible monthly goodybags on O2 · Lebara: international minutes included as standard · EE: the UK's widest 5G coverage · iD Mobile: EU roaming included on most plans · Three: truly unlimited data, no speed caps · Smarty: no-contract plans on the Three network · giffgaff: flexible monthly goodybags on O2 · Lebara: international minutes included as standard · EE: the UK's widest 5G coverage · iD Mobile: EU roaming included on most plans
The honest take

If your handset is paid off, there's very little reason to stay on a phone contract. A SIM only plan gives you the same calls, texts and data for a lot less, because you're no longer paying for a phone you already own. Most people who make the switch save somewhere between £15 and £30 a month. The networks won't chase you to point this out. Once your contract ends, they're quite happy to keep billing you the full amount.

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

Typical market ranges as of July 2026. Exact prices vary by network and promotion.

The gap is widest on unlimited plans. A typical unlimited phone contract runs £40 to £55 a month, while the equivalent SIM only plan sits closer to £15 to £25 on a 30-day rolling basis, with no contract to sign. Same network, same data, roughly half the bill.

Choosing a network

Which network is right for you?

Every major UK network sells SIM only plans, but they compete on different things. Some go hard on price, some on coverage, some on extras like roaming or international calls. In short:

Three

Best for: unlimited data value
Truly unlimited, no speed caps

Smarty

Best for: no-contract simplicity
Runs on the Three network

giffgaff

Best for: flexibility
Monthly goodybags on O2

Lebara

Best for: international calls
Overseas minutes included

EE

Best for: 4G and 5G coverage
The UK's widest 5G network

Vodafone

Best for: reliability
Strong nationwide coverage

Smarty, giffgaff, Lebara and iD Mobile are MVNOs, meaning they rent capacity from the big four networks and charge less for it. If you already get a good signal from O2, Three, EE or Vodafone where you live, an MVNO on that same network gives you identical coverage for less money. There's no catch beyond a smaller customer service operation.


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, so 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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