Mobile phones

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Compare mobile phone deals from a range of providers, including:

Monthly contract, SIM-only or SIM-free: Which is best for you?

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What should I look for in a mobile phone deal?

Picking the best mobile deal for you depends on how you use your phone. Think about:

How much data you need

According to Ofcom’s 2026 report, the average person uses around 11GB of data per month.

That could be enough for occasional video streaming and social media scrolling, but if you browse a lot or are often on the move, you might need more.

Unlimited data is also an option, but this could be more expensive. So think about how much you really need and only pay for what you use.

Whether you want a specific provider or phone brand

Loyalty could limit your options. If you’re open to other networks (and have checked they give good coverage where you live), or would consider a different brand of phone, you could find more deals and better prices by shopping around.

The monthly and upfront costs

Usually, the more you pay upfront, the lower your monthly payments. But there are £0 upfront contracts if you prefer to pay nothing initially.

Just be careful – you could end up paying more with a £0 upfront deal. No down payment means more risk for the provider, so some may charge interest as a result.

If you can, consider making an upfront payment you’re comfortable with.

Always check the total cost and compare different payment plans to make sure you’re not overpaying.

When you compare mobile phone deals with us, you can choose the upfront cost you’re happy with. We’ll then show you what your monthly payments will be.

Contract length

Some mobile phone contracts are as long as 36 months. This may be ideal if you want to keep your monthly payments down.

However, you could end up paying more than you would on a shorter contract, especially if the price increases every year.

Also, the longer the contract, the less flexibility you usually have to shop around. If flexibility is your priority, consider a SIM-only or SIM-free deal instead.

Network coverage

Many networks now offer 5G coverage, but availability and reliability depend on where you live.

It’s best to check your chosen network’s coverage in advance to make sure you get the connectivity you expect before committing to a lengthy contract.

Extras and perks

Looking for add-ons such as roaming or international calls? Some may be included in your monthly price, and others could cost extra. Double check the details if you’d like specific add-ons in your mobile phone deal.

Some networks also offer exclusive perks like discounted subscriptions and retail discounts.

These can be tempting but don’t base your decision on perks alone, as you could end up paying more for a new mobile phone than you need to.

When you compare with us, you can filter your options so you only see deals that suit your needs.

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.

Matthew Brewer

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.”

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.

How to save money on your new mobile phone

Why not try some of these cost-cutting tips when looking for your next phone?

Switch when it's cheaper

Avoid early exit fees by getting a new mobile phone deal once you’re outside your current contract.

Work out how much airtime you need

You don’t want to pay for more data, texts or minutes than you’ll use, but going over your limits could be expensive. Find out how much you actually need and look for packages that match your usage.

Choose the right contract length

Don’t get tied into a long contract if it’s unaffordable or you like to upgrade your phone often.

Look for add-ons

If you make a lot of international calls or think you’ll need to top up your data, look for add-ons that can save you money in these areas. For example, you might be able to add on an international call bundle.

Trade in your old handset

Getting a new phone? See if you could make money by recycling your old one. Companies like Back Market and Music Magpie offer cash for old mobile phones.

Many networks have trade-in schemes too, which reduce your bill or offer cashback when you trade in an eligible device.

Consider refurbished

Refurbished deals give you a pre-owned phone that’s usually much cheaper than buying brand new. Just remember to check the condition – A and B grades and ‘like new’ descriptions will likely be more reliable.

Compare new deals

If your phone contract ends and you do nothing, your provider may put you on a rolling monthly plan. That means you’ll keep paying for a handset you’ve paid off and airtime you might no longer need.

Comparing new mobile phone deals towards the end of your contract can help make sure you keep paying a fair price and that your airtime plan still suits you.

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:

  1. Text ‘PAC’ to 65075

  2. Get your PAC by text

  3. Give your PAC to your new provider

  4. 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.

Matthew Brewer
Reviewed 28 Jul 2026 by Matthew Brewer Broadband and mobile expert

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)​