Posted 23 October 2023

Which mobile networks allow you to pay off your device plan immediately?

I’ve never bought a mobile on contract. The phones I am considering purchasing are quite expensive but I have enough cash to purchase outright/on 0% card if it is better value.

Anyway it seems like some networks such as O2 separate the device and the airtime and allow you to pay the device plan off early/immediately if desired. In theory this could present an opportunity for a good deal on data/airtime even compared to a sim only contract.

Anyone done this and can share their experience?
Which networks offer this?

TIA
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  1. KodaBear's avatar
    O2, Tesco Mobile, Sky Mobile, Three's new style plans and Vodafone's Evo plans are all offered as separate airtime contracts and device repayment plans.

    I warn you now though that what you are thinking of isn't likely to work. Since you say it could present an opportunity for a good deal on data/airtime. I have NEVER seen one of these new style contracts where the data deal was a better price than you would get data for cheaper than getting a SIM only deal without a phone.

    For example at O2. If I want 30GB of data. I could get a deal via Uswitch on o2 for a SIM Only plan for exactly £10 a month. But if I go to the O2 Website and pick a phone on a Refresh plan, 30GB of data will cost me £20.99 per month, on top of the device plan for the phone value itself.

    Additionally, taking out a contract and immediately paying it off is typically not going to do good things for your credit file. You're adding a hard search, opening an account and immediately closing it again.
    bozo007's avatar
    Hard search may not matter if there is no plan to borrow in the next 6-12 months.
  2. bozo007's avatar
    O2 and Vodafone deals do show up regularly with this feature. O2 Refresh is the one where people have got phones at low price.
  3. ChelseaRae's avatar
    I’ve personally never found this to be cheaper than buying the handset outright and getting a sim only contract. Currently paying £7.67 a month (after cashback) for Vodafone sim only via mobiles.co.uk - unlimited mins and texts and 100gb data (inc 5G).
    one_eight_seven's avatar
    How much is the SIM a month before cash back as that is what the yearly increase(s) will be based on? And it can be cheaper going for a traditional contract.
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