SIM-only vs contract: how to cut your phone bill
If your phone bill hasn't dropped after your contract ended, you're almost certainly overpaying. Many people keep paying a handset-and-airtime price long after the phone itself is paid off.
The trap: paying for a phone you already own
A typical phone contract bundles the cost of the handset with your calls, texts and data. Once you've paid off the handset (usually after 24 months), you're often still charged as if you haven't. Switching to a SIM-only deal on the same network can cut your bill sharply for the same coverage.
What SIM-only means
A SIM-only deal gives you calls, texts and data without a handset. If you already have a phone you're happy with, it's usually far cheaper than a handset contract. Rolling one-month SIMs also let you switch whenever a better deal appears.
Match your plan to what you actually use
Unlimited data sounds great, but most people use far less than they think. Check your recent usage and pick a plan that fits, rather than paying for a big allowance you never touch.
Keeping your number
You can move your number to a new provider using a PAC code. Request it from your current provider, give it to the new one, and your number moves across, usually within a day.
Frugl provides general information to help you compare options. We are not a Financial Advisor and this is not personalised advice. Always check the provider's own terms before buying.