If you’re a light mobile user, it’s best to choose a low-cost Pay As You Go plan with no monthly subscription or credit expiry.

If you only use your mobile phone from time to time (e.g. during trips away or mainly for emergencies), it’s normally best to choose a fairly cheap Pay As You Go SIM card with no regular monthly charges.

When choosing your Pay As You Go SIM card, it’s important to look at a number of factors such as the minimum usage or minimum top-up requirement, the coverage available on the SIM card and how you’re able to top it up.

In this article, we’ll discuss our top things to look out for when choosing a Pay As You Go SIM card as a light mobile user. We’ll also review a selection of recommended networks that we think are particularly well suited for light mobile users in the UK.

Choosing a Mobile Network For Light Usage

As a light mobile user looking for a Pay As You Go SIM card, we think there are six really important things you need to look out for in your mobile network:

No Regular Monthly Charges

As a light mobile user, it’s highly likely you’ll want to stay away from SIM cards that have a regular monthly charge. This is because you’ll need to pay a fixed amount each month, regardless of whether you actually use your SIM card that month.

Because of the regular monthly charge, Pay Monthly SIM cards and Pay As You Go bundles should normally be excluded from your search unless you think your typical mobile phone bill will exceed £5/month.

Instead, it’s possible to choose a “traditional Pay As You Go plan” where there are no regular monthly charges on your SIM. Instead, you’ll only pay for what you actually use (that’s nothing in the months where you don’t actually use your phone).

Credit That Doesn’t Expire

When it comes to topping up your SIM card, it’s important to choose a mobile network where your credit doesn’t expire. It’s also worth having a look at the minimum top-up amount and at the methods that are available to you for topping up.

On the best Pay As You Go mobile networks, your credit will never expire and it’ll be possible to top-up from as little as £5 each time. Other mobile networks require a minimum top-up of £10. You should ideally also look for a range of available top-up methods, both in-store and online if possible. The ability to top-up your account automatically when the balance drops below a certain amount can also be useful.

Typically, on the larger Pay As You Go networks, your credit won’t expire providing your SIM card remains active. However, on some smaller mobile networks, top-ups are sold with only a 90-day validity period. On these networks, if you don’t use your credit within 90 days of topping up, it will expire and be removed from your account.

Minimum Usage Requirements

The minimum usage requirement for keeping your account active is worth investigating very closely before you choose a mobile network.

In the UK, all Pay As You Go networks have a minimum usage requirement for keeping your SIM card active. On the best mobile networks, you’ll only need to use your SIM card for a chargeable call or text message once every 180 or 270 days. On some other mobile networks, however, this can be as short as once every 84 days.

On SIM cards with a very short inactivity period, it’s possible for your SIM card to get inadvertently disconnected (this can happen particularly easily if you only use your mobile phone from time to time). Upon disconnection from the mobile network due to inactivity, you’ll normally lose your phone number and any remaining credit on the account.

Where possible, we’d recommend choosing a mobile network that only requires you to use your phone every 270 days. For a wider selection of mobile networks, you can also consider mobile networks that require you to use your phone every 180 days.

Reliable Coverage

The level of coverage you can get on your phone is another important consideration. You’ll want to make sure your mobile phone is actually available for you to use during trips away and during those “emergency situations”. The availability of 2G, 3G and 4G coverage is therefore important.

In the UK, there are only four network coverage providers: EE, O2, Three and Vodafone. All other mobile networks are known as virtual network operators (MVNOs) and piggyback on one of the four network coverage providers. This means you’ll get the same coverage as on the underlying network (so for instance, customers on 1pMobile will get coverage from EE and customers on giffgaff will get coverage from O2).

Customer Support

The availability of customer support can be another important thing to consider when choosing a Pay As You Go network.

Most mobile networks offer telephone support, but some networks emphasise online-only support (e.g. through an online forum, e-mail or web chat). If you’d like the ability to pick up the phone to talk to customer support, you should avoid mobile networks like giffgaff that have online-only support.

Low Prices & Availability of Bundles

Finally, and probably slightly less important than the other five factors, it’s worth looking at the exact per-minute, per-text and per-megabyte rates. Generally, it’s worth choosing a fairly priced mobile network but this shouldn’t dominate your decision, especially when compared to the other factors listed above. The reason for this is if you’re only spending a few pounds on your phone bill each month, the actual savings from choosing a slightly cheaper mobile network will be small and measured in pennies.

As well as having access to low Pay As You Go rates, it’s also worth choosing a mobile network where you have the option to buy a bundle when needed. This can be useful in situations where you need to use your phone a lot in a short amount of time (for instance, if you wanted to make a long phone call or if you wanted to use data more extensively on a trip away from home).

Recommended Networks

At present, we’d recommend the following SIM cards for a light mobile user:

1pMobile

  • Traditional Pay As You Go. No bundles but data boosts are available from £6/month.
  • Top-up from £10. Available online only. Top-ups don’t expire providing account is kept active.
  • Minimum usage requirement: Requires at least a £10 top-up every 120 days.
  • Uses EE coverage (2G, 3G & 4G). 99% coverage, check coverage here.
  • Customer Support: Available by phone (03333 442278) or online.
  • Pay As You Go Rates: 1p/minute, 1p/text and 1p/MB.

1pMobile offers a flexible Pay As You Go service, with the lowest headline rates of any Pay As You Go network in the UK. The network charges just 1p/minute, 1p/text and 1p/MB, with no regular monthly charges for keeping your SIM card active.

An important requirement of 1pMobile is their minimum top-up of at least £10 every 120 days. This equates to around £30 of top-ups per year, or approximately £2.50 per month. While there’s no obligation to actually spend this credit, a non-refundable balance would simply accumulate over time if your average usage is less than £2.50/month.

1pMobile offers coverage from the EE network. Alongside their traditional Pay As You Go tariff of 1p/minute, 1p/text and 1p/MB, data boosts are also available (e.g. giving you a discount of 40% when you use 1GB of data per month). It isn’t possible to buy an all-inclusive bundle with minutes and texts on 1pMobile.

Order 1pMobile SIM card (Free) →

giffgaff

  • Traditional Pay As You Go. With the option to buy a bundle from £6/month.
  • Top-up from £10, no expiry. Available in-store & online. Top-ups don’t expire providing account is kept active.
  • Minimum usage requirement: Once every 180 days.
  • Uses O2 coverage (2G, 3G & 4G). 99% coverage, check coverage here.
  • Customer Support: Online only (via community forum or web form).
  • Pay As You Go Rates: 15p/minute, 5p/text and 5p/MB.

giffgaff is another popular option for light mobile users, offering 2G, 3G and 4G coverage from O2. On giffgaff, it’s possible to use your mobile phone with no regular monthly charges – you’ll just need to use your phone at least once every 180 days.

The minimum top-up on giffgaff is £10. Each time you top-up your account, you’ll get free calls and texts to other giffgaff members for the next 3 months. This means you’ll pay absolutely nothing to call friends and family who are also on giffgaff. If you’re calling customers of a different network, it’s 15p/minute and 5p/text. Accessing mobile data costs 5p/MB with the option of buying a goodybag bundle from £6/month.

Order giffgaff SIM card (Free) →

ASDA Mobile

  • Traditional Pay As You Go. With the option to buy a bundle from £5/month.
  • Top-up from £1 each time, no expiry. Available in-store (from £5) or by phone (from £1). Top-ups don’t expire providing account is kept active.
  • Minimum usage requirement: Once every 270 days (restricted usage after 180 days).
  • Uses EE coverage (2G, 3G & 4G). 99% coverage, check coverage here.
  • Customer Support: Available by phone (dial 2732 from your ASDA handset).
  • Pay As You Go Rates: 8p/minute, 4p/text and 5p/MB.

ASDA Mobile offers a Pay As You Go service with coverage from EE. With a SIM card from ASDA Mobile, you can use your mobile phone with no regular monthly charges. The only requirement is you must use your phone at least once every 270 days (although outgoing calls will be suspended when you reach 180 days of inactivity, with you then needing to follow a short process to reactivate a complete service).

The minimum top-up on ASDA Mobile is £1 if you’re topping up by phone, or £5 if you’re topping up in store with a voucher. Optionally, you can decide to set up automatic top-ups for when your Pay As You Go balance drops below a certain amount.

When using a SIM card from ASDA Mobile, you’ll get 99% population coverage from EE, including on 2G, 3G and 4G. Bundles are available to buy from £5/month and your top-ups will never expire providing your SIM card remains active.

Order ASDA Mobile SIM card (Free) →

Three

  • Traditional Pay As You Go. With the option to buy a bundle from £10/month.
  • Top-up from £5. Available in-store & online. Top-ups don’t expire providing account is kept active.
  • Minimum usage requirement: Once every 180 days.
  • Uses Three coverage (3G & 4G). 99% coverage, check coverage here.
  • Customer Support: Available by phone (333) or online.
  • Pay As You Go Rates: 3p/minute, 2p/text and 1p/MB.

If you’re looking for low Pay As You rates on one of the four big providers, Three offers a Pay As You Go SIM card with 321 rates (3p/minute, 2p/text and 1p/MB).

On Three, your Pay As You Go credit will never expire providing you keep the SIM card active by using it at least once every 180 days. You can top-up from £5 each time and 30-day bundles are available from £10 if you need one.

In addition, you can use your mobile phone abroad in 71 destinations at no extra charge on Three’s Pay As You Go service. Three’s Go Roam offer covers most of Europe, the USA, Australia, Brazil, Singapore and more.

Order Three SIM card (Free) →

Vodafone Pay As You Go 1

  • Traditional Pay As You Go. No bundles available, unless switching to Big Value Bundles tariff.
  • Top-up from £5. Available in-store & online. Top-ups don’t expire providing account is kept active.
  • Minimum usage requirement: Once every 270 days.
  • Uses Vodafone coverage (2G, 3G & 4G). 99% coverage, check coverage here.
  • Customer Support: Available by phone (191) or online.
  • Pay As You Go Rates: £1/day for unlimited minutes, unlimited texts & 500MB data.

If you only use your mobile phone from time to time, but tend to use it quite a lot on the days when you do, Vodafone’s Pay As You Go 1 is worth considering.

On the Pay As You Go 1 plan, you’ll pay 20p/minute, 20p/text and 20p per 5MB of data. The maximum daily charge is capped at £1 per day which gives you unlimited minutes, unlimited texts and up to 500MB of data. What this means is you can save money by batching up a number of long phone calls or by using more data together on one day.

Vodafone offers 99% population coverage on their 2G, 3G and 4G networks. You can top-up from £5 each time and your credit will never expire providing your SIM card remains active (you’ll need to use it for a chargeable activity at least once every 270 days). Unfortunately, it isn’t possible to buy a one-month bundle unless you switch to Vodafone’s Big Value Bundles tariff.

Order Vodafone SIM card (Free) →

For information on how other mobile networks compare, please see the following in-depth guides:

More Information

For more information about Pay As You Go deals, see our other in-depth guides around this topic. In particular, it’s worth reading our full overview of the best Pay As You Go SIM cards in the UK and our comparison of traditional Pay As You Go deals.

Your Comments 95 so far

We'd love to hear your thoughts and any questions you may have. So far, we've received 95 comments from readers. You can add your own comment here.

  • O2 appear to have withdrawn the Classic PAYG on 7 November 2019. Cheapest option now is for a £5 per month Big Bundle for unlimited calls and text. Minimum term of 2 months.

    • With O2 leaving the pure PAYG scene I’d agree. I have Three data sims on the 321 which covers me fine for a few pounds a year of very light use.

      1p Mobile only makes any sense if you know you are going to use that £30/year credit, or the EE signal is best in the area.

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