Last updated: August 2026
Moving to SIM-only at the end of a contract is not really an upgrade — it is the point at which you stop paying for a phone you already own. For most people it is the largest single saving available on a mobile bill.
Why the saving is so large
On a handset contract, a substantial share of the monthly figure is device financing. Once the term ends the device is yours, but many contracts simply continue at the same rate.
Switching to SIM-only removes that portion entirely. You keep the same phone and the same number, and pay only for connectivity.
When it is the right move
- Your phone still receives security updates — the deciding factor.
- The battery is adequate, or cheap enough to replace.
- You are happy with your coverage.
If updates have stopped, replace the handset instead. A phone no longer receiving security patches is not worth keeping to save money.
What to check
- Your phone is unlocked — contract handsets are sometimes locked until the term completes
- Whether to stay with your provider or switch, since nothing ties you now
- Bundle size against actual usage rather than what your old contract included
End of term is the easiest moment to change networks, because there is no settlement and no device to unwind.
Compare on SIM only deals, cheap SIM only deals, month to month SIM only deals, phone upgrade vs SIM only and best network for SIM only deals.
Frequently asked questions
How much cheaper is SIM-only?
Considerably, since no handset is financed. The exact gap depends on the device your contract included.
Can I keep my number?
Yes, whether you stay or switch providers.
Will my phone be unlocked?
Usually once the term completes. Confirm with your provider.
When should I not do this?
If your phone has stopped receiving security updates.
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Pricing and terms are set by each provider and change regularly.