A SIM free mobile deal is a mobile handset you buy outright, that has no contract attached. It differs substantially, therefore, from a pay monthly mobile deal where the cost of the handset is spread across a number of years, allowing people to afford high-end handsets they perhaps could not otherwise.
Cheap, SIM free handsets are a good choice for those who cannot pass the credit checks involved in getting a regular pay-monthly contract. Or perhaps you just don't feel the need for an expensive phone as you won't use it much. Either way, SIM free mobile deals are less than ideal. You'll end up either with an inferior handset or have to pay through the nose for a better one, and your calls, texts and data will cost you more. If you can avoid it and get a contract mobile deal, you should.
Otherwise, here's what makes up a SIM free mobile deal. Its core components, as it were.
We've covered this briefly in the description above, but here let's get down to the nitty gritty. What's good about a SIM free mobile deal – what are the advantages? And what's bad? What are the down sides?
Pros
Cons
You can of course go to a high street retailer and buy a phone then order a free SIM from elsewhere. You can do that if you want. If you want a 'deal' though, you will have to get a SIM free or PAYG phone from one of the UK's four mobile network providers.
Technically any phone can be a SIM free phone if you buy it outright. For the purposes of this question, though, we will focus on those manufacturers with either a mainly or entirely SIM free of PAYG offering, as sourced through the UK's four network providers.
Yes and no. Yes, you can go to an electronics retailer and buy a phone outright, and choose to pay for it on a hire-purchase basis, which will of course require a credit check, the avoidance of which can be a big reason people have for choosing a PAYG phone. No, you cannot get a SIM free phone from a provider and pay for it in instalments as this requires a contract and is therefore no longer SIM free.
Any mobile phone can be bought SIM free. Therefore this question simply becomes 'Which is the best phone?'. At the time of writing, the generally accepted 'best phone' is the Samsung Galaxy S22 Ultra or maybe the iPhone 13 Pro Max. If you're reading this a year later, it will be something else so we recommend doing a little research to find the latest thing.
No. Quite the opposite, in fact. You can certainly get very cheap handsets on PAYG, but you will pay more for services – for your minutes, texts and data – than you would pay if you received the allowances either through a contract phone deal, or a contract SIM-only deal.
Yes. But from a retailer, rather than through a provider. Providers will usually want to bundle a SIM to go with it.
While it's true that you will pay a little more for the phone in most cases when you pay for it across 24 months than you would if you bought the handset outright, whatever you save will likely be inconsequential compared to the money you will save through the generous allowances pay-monthly mobile deals offer. Your minutes, data and texts, that is.