Can I get a phone contract on a UK visa?

Yes. Most mobile providers offer contracts to visa holders. A credit check is usually required for monthly contracts. If you are new to the UK with no credit history, you may be offered a higher deposit, a shorter contract, or directed toward SIM-only or pay-as-you-go options.

What is the cheapest way to get a UK phone number?

The cheapest option is a pay-as-you-go SIM card, which you can buy from supermarkets, newsagents, or online for as little as 1 pound. SIM-only monthly contracts (from around 5 pounds per month) offer better value if you use data regularly. You do not need a credit check for pay-as-you-go.

Should I get a contract phone or a SIM-only deal?

If you already have an unlocked phone, a SIM-only deal is usually better value. If you need a new phone, a contract bundles the handset cost into monthly payments. Consider how long your visa lasts — if shorter than the contract term, SIM-only is safer.

Will I need ID to buy a SIM card?

For pay-as-you-go SIMs, you may need to register with identification. For contract SIMs, you will need proof of address and identity (your BRP or passport works). The provider will also run a credit check for monthly contracts.

UK Phone Contract for Visa Holders: SIM and Mobile Guide

Visa holders can get UK phone contracts, SIM-only deals, or pay-as-you-go SIMs. Pay-as-you-go requires no credit check and is the quickest option. Monthly contracts offer better value but require a credit check. This guide covers providers, costs, credit considerations, and practical tips for new arrivals.

Your Options

Pay-As-You-Go

Buy a SIM from a supermarket, newsagent, or online
No credit check needed
Top up as needed
Best for: immediate need, short stays, or while building credit

SIM-Only Monthly Contract

Monthly payment for calls, texts, and data
Typically 30-day or 12-month commitment
Credit check usually required
Best for: people who already have a phone and want regular service

Phone Contract

Monthly payment includes a new handset spread over 24-36 months
Credit check required
Higher monthly cost than SIM-only
Best for: people who need a new phone and have UK credit history

Major UK Mobile Networks

EE: Largest 4G and 5G network, premium pricing
Three: Competitive prices, good data allowances
Vodafone: Wide coverage, various plans
O2: Good coverage, loyalty rewards
Budget networks: Giffgaff, VOXI, Lebara, and Lycamobile offer cheaper SIM-only deals using major network infrastructure

Budget networks like Giffgaff and VOXI are popular with newcomers because they offer flexible plans without long commitments. Lebara and Lycamobile often have competitive international calling rates, which is useful for staying in touch with family abroad. Compare deals on the GOV.UK phone contracts guidance page.

Credit Checks and New Arrivals

If you are new to the UK with no credit history, you may face challenges getting a monthly contract. Options include:

Start with pay-as-you-go and move to a contract after building credit
Use Giffgaff or similar providers that have more flexible credit requirements
Pay a higher upfront deposit
Ask if the provider offers contracts with lower credit requirements

A phone contract paid on time helps build your UK credit score, so it serves a dual purpose. See the GOV.UK consumer rights page for your contract rights.

International Calling

If you need to call abroad regularly:

Check which networks offer competitive international rates
Lebara and Lycamobile specialise in international calling
WhatsApp, Viber, and other apps allow free calls over Wi-Fi or data
Some plans include international minutes to specific countries

For broadband to support app-based calling, see our broadband guide.

Practical Tips

Get a UK number on day one — buy a pay-as-you-go SIM at the airport or a nearby shop
Make sure your existing phone is unlocked before arriving (or buy a cheap handset)
Keep your home country number active for verification codes on banking and other apps
Set up mobile banking once you have a UK number and bank account

Next Steps

Buy a pay-as-you-go SIM as soon as you arrive. Once settled, compare SIM-only deals and switch to a contract if it offers better value. Use your phone contract to start building your UK credit history.

Related guides: