Pay monthly (phone + SIM) vs SIM only
Side-by-side comparison, when-to-use-each guide, and instant conversion. Reviewed for 2026.
Spreading the cost of a new premium phone, wanting the latest device immediately, 0% financing.
Existing phone still works well, wanting lower monthly outgoings, buying a refurbished phone outright.
| Aspect | Pay monthly (phone + SIM) | SIM only |
|---|---|---|
| Monthly cost | £30-70+ | £8-25 |
| Handset included | Yes | No |
| Flexibility | 24-month contract typical | 1-month rolling typical |
| Total 24-month cost | £720-1,680 | £192-600 + handset price |
| Best for | New phone with spread cost | Phone owners, cost-conscious users |
Frequently asked
Is it cheaper to buy a phone outright and go SIM only?
Almost always, yes. A £1,000 phone on 24-month contract at £50/month = £1,200 total. The same phone bought refurbished for £600 + SIM only at £12/month = £888 over 24 months — saving £312. The gap is larger with older flagships.
Which UK networks use which coverage?
EE, O2, Vodafone and Three run independent networks. All 'virtual' networks (MVNO) like Giffgaff (O2), Smarty (Three), Sky Mobile (O2), VOXI (Vodafone) use one of these four. Coverage checker: always use the host network's checker for MVNOs.