Pay Monthly vs. PAYG vs. Sim Only

When it comes to phone deal options in the UK, there are three basic choices to choose from. They are pay monthly, pay as you go and Sim only. Each plan has its own pros and cons. If you're having a hard time which of the three is right for you, below are basic comparisons that might help you make an informed decision:


Pay Monthly Contracts

Of the three options, pay monthly contracts are the most popular because of a few advantages. One, it offers you the opportunity to avail the latest handset as part of the plan. Two, you get to avail a relatively cheaper rate on your phone services thanks to the numerous phone bundle choices. Finally, you get to save on your phone bill provided that you chose the right plan. Conversely, pay monthly contracts may also lead to overspending if not chosen well.


Pay monthly contracts, therefore, are ideal for heavy users who require sufficient call, text and data on a monthly basis. With this plan, you are hooked to either a 12 or 24-month contract at a fixed monthly fee.


Pay As You Go (PAYG)

Unlike pay monthly, PAYG will not hook you to a long term contract. You don’t have to worry about paying for a hefty monthly fee. Instead you get to top-up on your own time at a set amount you like. In other words, you have more control of your usage. The disadvantage of this set-up, however, is you unable to make calls or send texts because you’ve ran out of credits.


PAYG is recommended for people who are light mobile users. If you are the occasional caller or texter and you don’t really use your mobile for internet browsing, PAYG may be perfect for you.


Sim Only Contracts

Last but not the least is the Sim only plan. Of the three, Sim only may be the cheapest because it does not include a handset in the plan but it offers you the same lower rate advantages of a pay monthly contract. Click here to know more about Sim only contracts.


Sim only contracts are ideal for people with bad credit. Because it is generally cheaper, Sim only is easier to get approve for. All you need is a handset ready and you’re reset.