Pay As You Go phones
Find out how Pay As You Go mobile plans work, the benefits they offer and how to choose the right PAYG deal for your needs.
4 mins read
What is a Pay As You Go phone?
Pay As You Go (or PAYG) is a mobile deal that lets you top up your phone with a set amount of credit. You use that credit to make calls, send texts and browse the internet. When your credit runs out, you top up again.
You can choose PAYG bundles, which give you a set allowance of data, texts and minutes that usually lasts a month.
If you're thinking about PAYG bundles, compare them with pay monthly plans to see if you could get better value elsewhere.
What are the benefits and drawbacks of cheap Pay As You Go phones?
| Benefits | Drawbacks |
|---|---|
| You only pay for what you use, which helps you control your spending | Costs per minute, text or MB can be higher than pay monthly plans |
| No long-term contract or credit check required | You must remember to top up |
| The flexibility means you can change providers or stop using it at any time | Credit can expire if you don’t use it within a set period |
| Ideal for light users or as a backup phone | PAYG bundles can work out more expensive than monthly deals |
| Easy to manage with online, app, phone or in-store top-up options | Fewer perks compared to some pay monthly contracts (e.g. roaming or streaming extras) |
Should I get a Pay As You Go phone?
If you’re on a budget and use your phone less, a Pay As You Go handset could cost less than a SIM only deal.
PAYG phones can also suit parents buying their child’s first mobile. You avoid unexpected bills because your child can only use the credit you add.
Students and individuals without a regular income might find PAYG will suit their needs, as it helps them manage their spending more easily.
But if you use your phone often, you’ll quickly use up credit and your costs can add up over time. So unless you’re an occasional or light user, you might be better off with a SIM only deal.
How do I top up a Pay As You Go phone?
Topping up your PAYG phone depends on your handset and network. Most providers offer several quick and easy options:
1. Top-up card
You can buy a top-up card in a range of amounts. Each card includes a secure PIN that lets you add credit to your phone. Supermarkets and local shops sell physical top-up cards. And you can buy e-cards or vouchers from places like the post office.
2. Online
Most networks let you top up online or through their app. Choose your top-up amount, enter your phone number and payment details and the network will add credit to your account.
3. Over the phone
You can top up by calling your provider. Keep in mind that you might need some credit to make the call. Contact your network and follow the automated steps to add credit to your phone.
What is the best Pay As You Go SIM?
To find a SIM or handset that matches your needs, compare different providers and focus on key factors like:
- Price
- Coverage
- Extras
- Terms and conditions
“Check the network’s coverage where you live and work and compare SIM only deals vs Pay As You Go credit costs. Be sure to look at extras like data rollover and international rates if they matter to you. The best SIM should match your usage patterns and give you value without locking you into a contract.”
Catherine Hiley, Managing Editor for Broadband and Mobile
Frequently asked questions
Do Pay As You Go phones offer good coverage?
Before you choose a PAYG phone, check Ofcom's coverage map to see how strong the signal is in your area.
The UK has four main mobile networks:
Several smaller providers use these networks to deliver PAYG services. These include:
You should find plenty of PAYG options with good coverage. Your signal might be weaker if you live in a rural or remote area. Always check coverage at home and at work to avoid poor reception during the day.
Does Pay As You Go credit expire?
If you don’t use it within a certain time, PAYG credit can expire, while some providers might deactivate your SIM if it’s unused for too long. Once disconnected, your Pay As You Go SIM won’t work and you might lose your number. Each network sets its own rules, so check how long your credit lasts before you buy.
Can I keep my number if I switch to Pay As You Go?
Yes, you can usually keep your existing phone number when you switch to a PAYG provider. You do this by requesting a Port Authorisation Code (PAC) from your old provider and giving it to your new one. This moves your number over so you can start using it straight away on your new PAYG service.
Can I use my Pay As You Go phone abroad?
It depends on your provider’s roaming rules. Some networks let you use your PAYG credit abroad, although charges for calls, texts and data can be higher than UK prices.
Before you travel, check what your network allows and what it will cost so you don’t get surprised by high charges.
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