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How to get a cheaper mobile phone deal
Consider mid-range and budget phones
While the latest models offer powerful new features, like AI-enabled assistants, mid-range phones offer great value.
Check refurbished phones
Refurbished phones are far cheaper than new devices.
These phones have been professionally tested and are in perfect working order, and usually come with a one-year warranty.
Refurbished phones are typically graded by the retailer. As a rough guideline:
Grade | Definition |
|---|---|
A ('Pristine' or 'Like New' | Potential cosmetic imperfections, customer returns, or phones sent back for minor defects. |
B ('Very Good') | Light signs of use |
C ('Good') | Clear signs of use but no deep scratches. |
Look into older flagship models
As manufacturers release new handsets, the previous generations of handsets often become more affordable.
Older phones still perform well, meaning an iPhone 15 or Samsung Galaxy S24 can give you what you need without needing to go for the latest models.
Consider factors like battery health, software update availability, camera capabilities compared to newer models, and potential price drops after new releases.
Keep your current phone and switch to SIM only
If your phone is still in good working order and you're keeping an eye on your budget, you could simply keep your current phone and switch to a SIM only plan.
SIM only plans can be had from £5 a month for basic usage, with mid-range plans around £10-15 offering generous data allowances. Sticking with what you've got and just paying for a tariff offers substantial cost savings over upgrading and paying monthly for both a new handset and your minutes, texts, and data.
Trade in your old phone to offset the cost
If you're upgrading, check how much you could get for your current phone and trade it in for cash.
Even broken phones can be worth something, so it's worth comparing quotes from popular recyclers to get the most for your old phone.
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We'll price match and more
Found the same deal for less? We'll not only price match, we'll also give you a choice of up to a £20 gift card.
Just buy a qualifying product through us and if you find a cheaper like-for-like quote from the same provider, on the same day, we'll refund the difference.
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Find the best mobile phone deal with MoneySuperMarket
Whether you want the latest smartphone or something more budget-friendly, MoneySuperMarket has thousands of handset deals from leading networks and brands. From the latest and greatest iPhone 17 Pro to pre-loved refurbished deals, we've got you covered.
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Refurbished phones
Refurbished phones offer a great blend of affordability and quality. If you want to keep your costs down and can deal with minor cosmetic defects, then going refurb is a solid choice.
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Mobile phone deals with no upfront cost
If you're willing spread the cost of your handset then we'll help you compare mobile phone deals with no upfront costs. Just be aware that your monthly bill is higher and you may need to commit to a longer contract if the phone is expensive.
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5G-enabled phones
Most phones are 5G-enabled, but if you're using a phone released before 2020 it may not support 5G. Compare 5G-enabled phone deals and start benefitting from a faster, more reliable mobile network.
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Business mobile phone contracts
Get a mobile plan tailored to meet the needs of small businesses and larger organisations with a business mobile contract.
Latest phones - February 2026
The latest flagship handsets released by Apple, Samsung and Google are:
Our expert says…
Want to cut your monthly phone bill? Check these things.
“The smartest way to cut your mobile costs is to separate the phone from the tariff – pairing a quality refurbished handset with a SIM-only plan can save hundreds of pounds over a two-year contract. When comparing networks, don’t just look at the monthly price but at extras you’d otherwise pay for. For example, O2 is currently the only major UK network to include roaming in 48 European destinations on all its plans, which is a huge advantage if you travel frequently within Europe. Also make sure that you are going to get good coverage from the network where you will be using your phone the most”
Elena Glynn Mobile & Broadband Expert
What’s the difference between a contract phone and SIM-only plan?
There are two choices when it comes to mobile phone contracts:
Monthly contract:
You pay a monthly fee for a new phone and an allowance of calls, texts and data. You’ll be tied to a network by a contract that usually lasts between 12 and 24 months.
SIM-only deals:
As the name suggests, a SIM-only deal gets you a package of calls, texts and data – but not a new phone.
Do I own my phone after my contract ends?
If you have a contract phone and the contract ends, it means you've paid off your handset and it now belongs to you. So, you can choose what to do with it.
This gives you the flexibility to choose a SIM only deal to continue using your phone. Or you could choose to sell your phone and upgrade to a newer handset with another pay-monthly contract.
How can I find out when my current contract is ending?
Text INFO to 85075 to get your contract information.
If you're still unsure, contact your current provider.
Can I keep my old phone number?
If you're switching provider and want to keep your current number you can port it over with a PAC code. To get your PAC code:
Text 'PAC' to 65075 and you'll get a text message back with your code. It should be an alphanumeric code containing three letters and six number, for example, 'BRT395062'
Give your PAC code to your new mobile network provider - you can usually do this when signing up for your new deal.
The new provider will confirm the number transfer is underway and complete it in as little as one working day.
Your PAC code is valid for 30 days, and if it expires you can request a new one from your old network.
Can I get a phone contract with bad credit?
When you take out a new phone contract your credit score will be checked by the contract provider. There’s no minimum credit score required to get a mobile phone, as each network operator will score you differently. There's a possibility you could be rejected for a contract if you have a bad credit score.
To check your credit score, use our free credit scoring service.
Reviewed on 26 Feb 2026 by
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