Mobile phones
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Compare contracts, SIM-only and SIM-free plans from top brands and networks
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Compare mobile phone deals from a range of providers, including:
Showing providers 1 to 8 of 9
Monthly contract, SIM-only or SIM-free: Which is best for you?
Monthly contract
SIM-only tariffs
SIM-free deals
Compare mobile phones in three steps
Pick your deal type
Choose whether you want a monthly contract, SIM-only, or SIM-free package.
Filter your options
On our site, you can filter by brand, network, monthly cost and more to see mobile phone deals relevant to your needs.
Sign up
When you’ve found a deal you like, simply click from our site through to the provider to sign up.
Pros and cons of pay monthly mobile phone contracts
Unsure if a monthly mobile phone contract is right for you? These pros and cons could help you make a better informed decision.
Pros
Spread the cost of a new phone
Get your hands on the newest models with manageable monthly instalments.
Bundled allowances
Add the data, minutes, and texts you need each month to your contract. This can make it easier to budget.
Access to exclusive deals and perks
Some providers may throw in perks when you join, adding extra value to your new deal.
Build your credit score
Consistently paying your monthly bills on time can boost your credit score.
Cons
It might cost more
While spreading payments can be handy, you could end up paying more in the long run compared to buying the phone outright and taking out a separate SIM-only deal.
Long-term commitment
Contracts typically last for at least 12 months and early exits can trigger hefty fees.
Credit check needed
Mobile phone contracts are credit agreements, so providers will run a credit check. If you have a poor credit history, you might be declined or find you’re not eligible for the handset you want.
Potential mid-contract price hikes
Some contracts allow annual price increases, meaning your monthly payments could go up. Always check the small print carefully.
Did you know?
According to Ofcom, 8% of people had difficulties paying for their mobile phone services in April 2026 – up three percentage points in six just months.
It’s important to think ahead and make sure you can still comfortably afford your monthly payments after any future price hikes.
More mobile phone guides
Explore practical tips and useful advice to help you choose the right handset or plan
FAQs
What’s the difference between a contract and pay as you go?
Contract = new phone and a monthly plan. Great if you want the latest handset for a manageable cost. You’ll pay monthly and usually sign up for 12-36 months.
You can choose a package with no upfront cost and pay fixed monthly bills, but you'll need a credit check and will be tied into a contract.
PAYG = no phone, but added flexibility. Ideal if you already have a phone and don’t want long-term commitment. Just top up as needed or go for a rolling 30-day SIM plan.
This is often cheaper than a phone contract and there’s no commitment or credit check.
Find out more: SIM-only and PAYG deals vs contract phone packages
Can I keep my number when I switch phone provider?
Yes, you can keep your number when you switch provider. All you need is a Porting Authorisation Code (PAC) which is free and easy to get.
To move your number to another network:
Text ‘PAC’ to 65075
Get your PAC by text
Give your PAC to your new provider
Keep your old SIM in until the switch.
Which mobile phone deals have unlimited data?
The leading networks, including Three and Vodafone, all offer unlimited data plans.
Most unlimited data mobile phone deals are available on a 12, 24 or 36-month contract. But monthly rolling deals are also available on SIM-only plans.
Is it better to pay upfront or monthly for a phone?
It depends on your budget and how you prefer to manage your payments.
If you want to spread the cost of buying a new handset, paying monthly can be helpful. However, some monthly contracts may include interest, so buying a phone outright alongside a SIM-only deal may work out more cost-effective in the long run.
Do I own my phone after the contract is done?
Yes. Once the contract is up and you’ve made all your payments, the phone is all yours.
Can I get a phone contract with bad credit?
It’s possible to get a phone contract with bad credit, but it might be more difficult. You may:
Be asked to pay a deposit
Have to provide a guarantor
Be restricted to lower-value handsets.
Looking for something else?

With the UK racing towards gigabit speeds and our phones more integral to our lives, Matt wants to make sure you have great packages that can keep up. And with more than 10 years' experience working with digital brands, he’s shaping our broadband, TV and phone comparison journeys.
Methodology
1 Correct as of June 2026.
2 Based on the % of respondents familiar with Compare the Market reporting they love the brand in the last 12 months vs. other leading PCWs. Source: Savanta BrandVue Financial Services, National Representative Survey of 9,772 respondents (June 2026)















What our expert says...
“The mobile phone market is very competitive, especially when the latest phones get released. Make sure you shop around and compare deals to avoid paying more than you need to, because your loyalty to your existing provider could cost you.
"If you’re looking for a SIM-only deal, make sure you have a phone that’s unlocked. That way, you’ll have access to deals from every network, which will give you far more choice.”