Last updated: August 2026
At the end of a contract this is the decision that matters most, and it turns on a single question: does your current phone still receive security updates?
Everything else — how it looks, whether the camera is dated, whether a newer model is tempting — is preference. That question is the one with a right answer.
If updates have stopped: upgrade
A phone no longer receiving security patches should be replaced, particularly if you use banking apps on it. No saving justifies running unpatched software on a device holding your financial access.
That is a genuine need, not a want.
If updates continue: SIM-only
The saving is substantial, because you stop paying device financing on a handset you now own outright. Same phone, same number, considerably lower bill.
See SIM only upgrade deals and SIM only deals.
The middle cases
| Situation | Answer |
|---|---|
| Battery failing, everything else fine | Replace the battery, then SIM-only — usually far cheaper |
| Screen cracked but working | Price the repair against a new contract |
| Storage constantly full | On Android a memory card may fix it; on iPhone it will not |
| Phone works but feels slow | Often RAM rather than age — upgrade only if it genuinely impedes you |
What doing nothing costs
Many contracts roll over at the same rate, meaning you keep paying device financing indefinitely on a phone already paid off. Doing nothing is the most expensive of the three options.
See upgrade vs new phone contract, when can I upgrade and trade in vs upgrade.
Frequently asked questions
How do I check if my phone still gets updates?
Your phone’s settings show the current software version, and the manufacturer publishes support windows by model.
Is SIM-only really that much cheaper?
Yes, because no handset is being financed.
What if only the battery is failing?
Replacing it is usually far cheaper than a new contract.
What if I do nothing?
Many contracts continue at the same rate, which is the costliest outcome.
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Pricing and terms are set by each provider and change regularly.