14 ways to get the best mobile phone contract
There are so many mobile networks and contracts to choose from these days, how do you know if you're getting a good deal? We'll show you the ropes.
With so many different elements to consider with your phone contract – minutes, data, overseas tariffs and more – it's hard to know where to start. But finding the right contract to suit your needs can save you up to £50 a month, so it's important to get it right!
Here are the best tricks, apps and insider knowledge you can use to save money on your phone bill and make sure you're getting the best deal – as well as avoid scary hidden charges!
How to find the best mobile phone deals
Avoid charges for going over your limit
It can be tempting to just pick the cheapest deal you can find to save some money – and sometimes that is the best course of action. But thanks to hidden/penalty charges, it's often not the case with phone contracts.
If you use more than your allocated amount of data, minutes or texts, you could be stung by some seriously steep charges for anything you use over the amount.
Work out how much you need and how much you use, and go from there.
If you send 1,000 texts each month, get a contract with at least that much – even if it's a couple of quid more expensive than one with just 500 texts. Chances are that the penalty charges would amount to far, far more than a slightly more expensive contract.
Similarly, however, you shouldn't go for a contract with way more than you need. Although a large number of contracts nowadays come with unlimited texts and calls, not all do – and those that don't could be a great way to save money if you're not a big texter/caller.
I never usually call people, but one month during uni I had a couple of group projects on the go and had a few extended calls to sort some things out.
I only had 100 minutes on my contract, and as I'd never even gone close to the limit before, it didn't cross my mind that I could be maxing it out.
Come the end of the month, and my usage on a contract that usually charged £25/month amounted to a whopping £109.
Moral of the story: remember what is and isn't included in your contract!
Tom Allingham, Editor at Save the Student
How much data allowance will you need?
Your data allowance is probably the worst one to exceed, as not only are the charges extortionate, but it's incredibly easy to use data without realising.
Use the settings on your phone to establish which apps tend to use up the most data and avoid using them as much as possible when you're out and about. You can also set apps to only work when connected to a WiFi network – this will save you a bucketload if you find your data is wasting away.
Some phones will even disconnect from WiFi after a period of inactivity, so if you have a small data allowance, consider turning your data off whenever you're connected to WiFi.
As for how much data to sign up for, most users will find around 5GB is enough. But if you plan on streaming content or watching TV on your phone, go for an unlimited data deal or one that offers at least 10GB per month.
Get cheap mobile insurance
When you're carrying a £500 smartphone around with you everywhere you go, it's nice to know that it's covered in case of an accident.
Many phone insurance companies will sell you what they call a 'comprehensive' insurance package for between £8 to £15 per month, but when it comes to the crunch, some firms will find all manner of excuses to avoid paying out.
Our advice? First of all, check whether your phone is covered under you or your parents' house or contents insurance before taking out a phone insurance policy.
If you're not covered, read our guide to finding the best mobile phone insurance.
Are cashback offers a good deal?
Increasingly, sites such as Mobiles.co.uk and e2save.com have started offering cashback deals with their contracts. These deals are legit, but how easy it is to get your cashback can depend on the type being offered.
'Cashback by redemption' (or anything with a similar name) is the one to watch out for, as this often means you'll have to send in monthly bill statements to claim your cashback.
It's much easier to go for deals with 'instant cashback' or get your cashback as a lump-sum by going through a cashback website (see our guide to using cashback sites for more details).
In this instance, no action is needed from you, aside from clicking on the right link. You could get well over £100 in cashback if you're lucky – not to be sniffed at!
Choose the best length contract
No one wants to be tied into a phone contract for the long haul, but in order to get a good deal, networks will expect you to sign up for a set number of months (normally at least a year).
It's true that you can get rolling contracts with no commitment, but unless these are SIM only, they're not a cost-effective way of doing things.
Most networks will offer you the choice of 12, 18, 24 or 36-month contracts, with the monthly cost decreasing as the length of contract increases.
It's all about striking a balance. While cheaper is obviously more appealing, you don't want to be tied in forever in case your circumstances change.
Our advice is to stick to an 18 or 24-month contract, giving you the rewards of a slightly cheaper contract while limiting your contract term to give you that all-important flexibility should it be necessary.
Find a deal with reduced overseas tariffs
If you reckon you'll be going abroad at any point during your contract period (and even if you're not, 24 months is a long time – you might!), beware that data roaming can cost way more than your usual tariff.
While the EU has laws to ensure that using your phone in Europe costs no more than at home, using it outside of the EU can involve some hefty additional costs. And with Brexit looming, there's no guarantee that we'll even enjoy these privileges in Europe for much longer!
These overseas tariffs apply if you make a lot of international calls too (for example, if you have friends or family who live abroad). Scout out each network's relevant charges before you commit.
Consider SIM only contracts
If you've already got a decent phone and aren't that bothered about upgrading to the latest and greatest, there's nothing to stop you keeping it and switching to a SIM only deal. Just remember, you'll need to unlock your phone if you want to use it with a network other than the one you bought it with.
If you do need a new phone but don't want to pay through the nose for it, another option is to head to eBay, where you'll find iPhones in great nick being sold for as little as £100.
The trick is to wait until a new fancy model has just been released, as people will be desperately trying to flog their current phones for the newest model.
Anyway, as you're not paying for the phone itself with a SIM-only contract, you can net some serious savings – some contracts come in at under a tenner a month!
To work out what your cheapest option is, you'll need to consider the lifetime cost of a phone and the contract.
Say the best deal for a phone you wanted was £38/month for 24 months. At the end of the contract, you'd have spent £912. Use tools like Idealo to see how cheap you can find the phone for by itself, and then find a SIM-only deal with equivalent minutes/texts/data.
Add together the cost of the phone and the SIM-only contract and see how it compares to the bundle – it'll usually be cheaper!
Which mobile network is the best?
Mobile phone signal varies hugely throughout the UK, and some networks offer much better signal than others in certain areas.
Ofcom has a mobile network coverage checker that you can use to see which networks are working best in your area, but you could just ask around locally to see how other customers find it.
While it's also good to do a bit of research on the customer service rating of each brand, we'd recommend steering clear of the likes of Trustpilot on this one - pretty much every mobile phone network has an awful rating! It seems as though in this case, more than any other, people are only leaving reviews when they're seriously annoyed.
Can you haggle on your phone contract?
If your contract is coming to an end, it's likely you've heard from your network offering you an upgrade to a new phone (although they might not get in touch about this – best get checking if you're due one!).
You have a few options at this stage: either upgrade, stick with your current phone model and ask to switch to a SIM-only plan or switch to a different network altogether.
You may shy away at the thought of haggling with your network provider (although we have this great guide on how to haggle that will help you master the art!) but in reality, this is the prime time to make serious savings on your contract and you won't want to miss this chance!
From a network's point of view, having you pay slightly less on your contract is better than you paying money to another company, so they're very willing to listen to your demands.
BONUS TIP: We're not 100% sure how true this is, but rumour has it that calling up and haggling at the beginning of the month brings the biggest rewards.
Customer service staff apparently have a pot of money from which they can offer customers better deals, and by the end of the month this pot runs dry. By calling up early in the month, you'll be catching them when they have more money to play with.
Again, we're not entirely convinced with this one, but you've quite literally got nothing to lose and everything to gain by trying!
Go online for the best phone contract deals
If you've ever been a mobile phone shop on the high street, it's likely that you've been targeted by commission-hungry sales staff.
Shopping online can relieve you of any pressure to make quick (and sometimes wrong) decisions, and there are plenty of helpful websites out there to point you in the right direction (including Save the Student, of course!).
Occasionally our student deals page will have phone contract deals to check out too, so be sure to have a peek!
Use mobile phone comparison tools
As with pretty much anything you can buy online, there are comparison sites out there to help you try and find the best deal.
Of course, you can easily do your own research (and we would highly recommend doing that as well, since not all networks will appear on comparison sites) but there is no harm in paying a visit to comparison sites to see what they have to offer.
Luckily, we also have our own mobile phone contract comparison tool for you to try!
Try apps that reduce your phone bill
This doesn't strictly apply to finding the best contract, but there are loads of apps out there that help you reduce the texts, minutes or data you use, meaning you could potentially commit to a smaller contract.
Airtime Rewards is an app which works similar to a cashback app, except the money you earn from making purchases gets knocked off your phone bill each month instead. The app features loads of popular shops including Boots, Caffè Nero and Waitrose, and unlike online cashback, you don't need to do anything other than shop with the card you've registered.
Go with smaller phone networks
The mobile phone sector is filled with big players, but don't be afraid to step outside of these and go for a smaller network. GiffGaff offers some great contract deals with the added benefit of not getting locked in, which can be good for students.
Best of all, these new networks almost always piggyback onto the service offered by one of the major players, so you know you'll have some half-decent coverage (Superdrug, for example, uses Three's network).
Look out for network-exclusive deals and freebies
You've probably heard of O2 Priority, but did you know that it's not the only network offering exclusive deals to its customers?
Vodafone also now has VeryMe which offers things like free coffees and festival ticket discounts.
Beyond this, you can sometimes get a 'freebie' thrown in when you take out your contract.
Sometimes the 'freebies' are genuinely high-value goods, like a PS4, but beware: often the contract will be disproportionately overpriced for what the phone and minutes/data/texts are. Ultimately, you could end up paying for the 'freebie' through your contract.
Check out our deals section for all the latest deals from O2 Priority, VeryMe and everywhere else!
If you're going for an upgrade, find out how much money you can get for selling your old mobile phone!