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Mobile Phones FAQ

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What is a contract Mobile Phone?

The term ‘contract phones’ refers to handsets that are sold by networks as part of a deal that also includes monthly allowances of data, calls and minutes.

When you buy a contract phone you’re effectively paying for the phone in instalments, usually over a period of 24 months.

Depending on the contract you choose, you may have to pay something upfront too to help cover the cost of the phone.

If you opt to pay something upfront, you’ll usually benefit from lower monthly premiums and will pay less in total over the course of the contract term.

In recent years, more and more Britons have shunned traditional phone-and-tariff contracts and are instead buying a phone SIM-free and then signing up for a SIM-only deal.

While this can save money, it means having to stump up hundreds of pounds upfront for the phone. That’s the kind of money that not everyone has to hand.

For that reason, phone-and-tariff contracts that spread the cost of the phone over a longer period are still the way that the majority of people choose to buy a handset.

What is a Sim Only deal?

A SIM only deal refers to a contract that gets you an allowance of data, calls and texts for a monthly charge. The key difference from pay-monthly phone deals is that with SIM only deals, you’re not paying for a phone. All you’re paying for is the SIM and the allowances.

Contract length for Mobile Phones?

Generally contracts last 24 months or 18 months. But the overwhelming majority of people choose a 24-month contract. And with good reason.

When you sign up for a 24-month contract you’re spreading the cost over a longer term, so you won’t have to find as much money every month to pay for your phone.

It’s also worth noting that on 18-month contracts, you’ll usually have to pay quite a bit upfront to help cover the cost of the phone.

What does pay monthly mean?

When you take out a pay monthly phone, you’ll have to sign a mobile contract, tying you to that provider for a certain amount of time.

You’ll pay a fixed amount each month for a designated amount of inclusive minutes, data and texts, which will also allow you to pay for the phone in instalments.

Anything you use outside your pay monthly allowance will be added to your next bill.

How do I keep my number if I change to a different network?

if you want to keep your number when you change networks, you’ll need to ask for a PAC code from your current provider.

A PAC code is made up of three letters and six numbers and is provided free by your network.

To get your PAC code you can either phone or email your network or use a PAC code request form that you can fill on your network’s website.

To begin the number transfer you need to ring or email the network you’re joining and supply them with your PAC code. You must do this within 30 days of the PAC code being issued.

The transfer of the number is normally complete the next working day.

In the meantime, leave your old SIM in your phone. This means that apart from a very brief period when the transfer is actually underway, you’ll still be able to receive calls and texts on your phone.

To check if the transfer is complete, just insert your new SIM in your handset and see if your new number is registered on your new network. If you are, everything’s gone according to plan.

Will there be a credit check?

Whether you want to sign up for one-month rolling SIM only contact or 12-month SIM only contract with a new network, you’ll have to pass credit check.

For pay monthly, rolling contracts, the credit check isn’t as stringent as for 12, 18 or 24 months. So if you’ve been rejected for a 12-month contract before, there’s no reason to believe you won’t be accepted.

What do I do with my old SIM?

If you’re worried that your SIM and the contacts, text messages and other personal information you’ve stored on it could fall into the wrong hands, you’ll need to dispose of it carefully.

Just as you would with an old credit card, the safest thing to do is take the SIM and use scissors to cut it up.

While you’re doing so, ensure you damage the gold foil so you make absolutely certain there’s no way anyone can retrieve your personal information.

Why not go direct?

Although this is an option, by using MoneyGiant we compare all the latest and best Mobile Phone and Sim Only deals, doing this yourself  can take up valuable time, so we do this instead.
There is no cost to you for using our service.

How do you make money?

Once you sign up to a provider, MoneyGiant will be a paid a commission or referral fee from the provider. We do not charge you for using us and the deal you get is the same as going direct, we simply compare and help you find the best deal quicker and easier.