When does my phone contract end? Check if your phone is paid off
Enter when your contract started and how long it runs. You will see how many months are left, or how long ago it ended, and how your price sits next to SIM only prices for the data you use.
To check with your network, text INFO to 85075. The text is free.
Source: Ofcom, Switching mobile phone provider, updated 25 August 2026
Is my phone paid off?
Some networks split your bill in two: one agreement for the phone and one for minutes, texts and data.
Not sure? Check your network's app for how much you use. In 2025 the average UK mobile data user got through about 12GB a month.Source: Ofcom, Communications Market Report 2026, published 30 June 2026, data for 2025
Your current monthly price. An estimate is fine if you don't have your bill to hand.
Worked out to the nearest month.
Your price next to SIM only
A phone contract price usually includes the cost of the phone, so this is not a like-for-like comparison.
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Compare SIM only dealsHow do I find out when my phone contract ends?
Text INFO to 85075. Your network replies to say if you are in contract and what fees apply. The text is free.
Source: Ofcom, Switching mobile phone provider, updated 25 August 2026
What happens when my phone contract ends?
Your network must message you 10 to 40 days before your contract ends. The message shows your end date, what you'll pay afterwards, and its best deals. If your contract includes a phone, it must include at least one SIM only deal.
If you're already out of contract, your network must send you the same information once a year.
Nothing stops when the contract ends. You move to a rolling monthly plan until you change it, and your price may stay the same or change.
Source: Ofcom end-of-contract and annual best tariff notification rules, in force from 15 February 2020
If you switch network using a PAC code, you don't pay notice charges after the switch date.
Source: Ofcom, Switching mobile phone provider, updated 25 August 2026
Compare SIM only deals
Deals come from our comparison partners.
Some providers pay for higher placement in the Featured order.
Can I go SIM only after my contract ends?
Yes. Once your contract has ended, you can move to a SIM only deal with your current network or a new one, and keep using the phone you have. If you have a separate device plan, check that it's paid off too. The price check above can help.
Networks have not been allowed to sell locked phones since December 2021, so a phone bought from a network since then should work on any network.
Your network's end-of-contract message must include at least one SIM only deal if your contract included a phone. To move network and keep your number, text PAC to 65075.
Source: Ofcom, Companies must tell customers about their best deals, last updated 16 March 2023; Ofcom, Helping consumers get better deals: statement on end-of-contract notifications and annual best tariff information, published 15 May 2019; Ofcom, Mobile companies now banned from selling locked handsets, published 17 December 2021, last updated 5 July 2023; Ofcom, Switching mobile phone provider, updated 25 August 2026
What to check
- Has your monthly price changed since the contract ended?
- Do you have one agreement, or a separate device plan for the phone?
- How much data do you use each month?
- Do you want to keep your number?
Frequently asked questions
How do I find out when my phone contract ends?
Text INFO to 85075. Your network replies to say if you are in contract and what fees apply. The text is free.
How do I cancel a phone contract?
To leave and keep your number, text PAC to 65075. To leave and get a new number, text STAC to 75075. Give the code to your new network, and they must complete the switch within one working day. Our PAC code guide has the steps for each network.
What fees apply if I leave a phone contract early?
It depends on your contract. Text INFO to 85075 to see what fees apply to you. When you ask for a PAC or STAC, the reply also lists any early termination charges. This is general information, not legal advice.
Sources and dates
- Ofcom, Switching mobile phone providerLast updated 25 August 2026The INFO, PAC and STAC text codes, how long a switch takes, and notice charges after a switch.
- Ofcom, Companies must tell customers about their best dealsLast updated 16 March 2023The message your network must send 10 to 40 days before your contract ends, and the yearly reminder.
- Ofcom, Helping consumers get better deals: statement on end-of-contract notifications and annual best tariff information (rules in force from 15 February 2020)Published 15 May 2019The same rules in full, including the SIM only deal for contracts with a phone, and what happens when the contract ends.
- BillsSorted price snapshotAs of October 2026Typical SIM only prices, from providers' own websites.
- Ofcom, Pricing and consumer engagement: Trends in the UK communications sectorPublished 26 February 20262026 price rises on new mobile contracts.
- Ofcom, Communications Market Report 2026Published 30 June 2026, data for 2025In 2025 the average UK mobile data user got through 11.8GB a month.
- Ofcom, Mobile companies now banned from selling locked handsetsPublished 17 December 2021, last updated 5 July 2023Networks have not been allowed to sell locked phones since 17 December 2021.
Figures on this page are a guide, not advice. They show typical prices for new deals, not what is right for you. Prices and rules change often, so check the details with the provider before you decide. Typical prices are taken from providers' own websites, collected on 18 October 2026. Prices change often, so use the comparison to see the latest deals.