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Pay monthly phones 

Our pay monthly phone contracts come with no upfront cost

If you’re looking for pay monthly phones with no upfront cost, you’re in the right place. With us, you can bag the latest phone, without having to pay anything upfront. And with our flexible plans and budget deals, we’ve got a phone for everyone. Plus, you can unlock instant savings on pay monthly phones and SIM only contracts with our exclusive Clubcard Prices – and we’ll freeze your basic monthly usage price for the length of your contract.

Which pay monthly phone is best for you?

We know everyone’s different – and different people want different things from a phone. If it’s cheap pay monthly phones you’re after, why not take a look at our budget-friendly phones, like the Samsung Galaxy A17 5G or the Motorola Moto E15 – giving you essential features at a low price or, if mobile gaming is more your style, check out our selection of gaming phones designed for high performance on the go.

Or maybe you’re trying to find a middle ground between cost and more advanced features. If so, the Google Pixel 9a or the Samsung Galaxy A56 5G could be for you. With their impressive cameras, these mid-range phones make it easy to capture those special moments.

Got your eyes on a top-of-the-range phone instead? For tech lovers looking for a phone with the latest innovations, the iPhone 17 Pro Max features a large 6.9 inch Super Retina XDR display with 48MP rear cameras in an aluminium unibody design. It features a powerful A19 Pro chip, offering the best ever battery life for an iPhone yet. The iPhone 17 Pro is available in a slightly smaller 6.3 inch design but still offers advanced features. The iPhone 17 provides speed and advanced features with a 6.3 inch ProMotion display. If you would prefer an even sleeker and lighter iPhone, the iPhone Air is a perfect choice. The iPhone Air is the thinnest iPhone ever with a 6.5 inch display, whilst still offering impressive performance. The iPhone 17 Series offers something for everyone, whether you are looking to capture professional high quality images, stream content or game on the go. 

If you are looking for an Android device, the Samsung Galaxy S25 Ultra 5G is a great choice as it combines cutting-edge technology with powerful performance and a stunning display. 

Our pay monthly phone contract options

Our flexible plans give you the freedom to spread the cost of your pay monthly phone over 12, 18, 24, 30 or 36 months, so you can choose a contract length to suit you. And you can chop and change your monthly data as often as you like – you’re in control.

If a pay monthly phone isn't right for you, we've also got a wide selection of SIM-free phones to choose from. They're all unlocked, so you can use them with any network. Alternatively, we offer SIM-only contracts, giving you the flexibilty to select the plan that best fits your needs.

Pay Monthly FAQ's:

  • Are Tesco Mobile pay monthly phones unlocked?

    Yes, all Tesco Mobile pay monthly phones are unlocked. This means you can use them with any compatible network. If you ever need to unlock your device, Tesco Mobile offers a free unlocking service. Simply complete an online unlocking request, and you'll receive a code and instructions within 7 days.

  • What are pay monthly phones?

    With pay monthly phone contracts, you pay an amount each month for a set period – usually between 12 to 36 months. This covers the cost of your phone and your usage (minutes, texts and data). With Clubcard price deals the monthly cost is fixed for the duration of the contract.

  • When do you pay the first month of a phone contract?

    When you take out a pay monthly phone contract with us, you pay your first month in advance. So you have a record of this payment, we show it on your first bill under ‘Payments Received’.

  • What do I do if I can’t pay my monthly phone bill?

    We understand that sometimes your circumstances can change. If you’re worried about paying your bill, you can temporarily defer your payments via My Account. For more info, please head to our help page.

  • Can I get a pay monthly phone with bad credit?

    Getting a pay monthly phone can be more challenging if you have bad credit. If you don’t get accepted for a phone contract, a SIM only contract may be more obtainable – and it’ll allow you to improve your credit score to potentially get a pay monthly phone in the future.

  • Is it better to buy a phone or pay monthly​?

    It depends on your budget and preferences. Paying monthly with Tesco Mobile lets you spread the cost and includes data, calls, and texts. Prefer more flexibility? If our pay monthly contracts aren’t for you, check out our wide range of SIM free phones - ideal if you already have a SIM or want to avoid monthly payments.

  • My phone contract is too expensive, what can I do?

    Don’t panic - we’re here to help. If you’re with Tesco Mobile and only a few months into your contract, you may be able to switch to a cheaper tariff or cap your bill to stay on budget. We also offer SIM only deals if that suits you better. Just get in touch - we’ll talk through your options and find the best fit.

  • Can you get a phone contract on benefits?

    Absolutely! At Tesco Mobile, we understand everyone’s budget is different. If you're on benefits, we offer flexible phone contracts that can work for you. You can also explore our range of budget phones or SIM only deals to keep costs down. Our team is here to help you find the right option - just reach out, and we’ll guide you through!

  • Changes to the 3G network

    We’re making big changes to our network. Like the UK’s other mobile providers, we’ll be switching off our 3G service later this year. This will help us improve our 4G and 5G network, so more people across the UK can benefit from faster, more reliable connections.

    If you’re joining us, the SIM card that comes with your phone will give you our best 4G and 5G coverage. You can use this SIM in a different phone if you like, but we recommend using a 4G or 5G device for the best connection. Want to know more? Take a look at our helpful guide and FAQs.

  • What if I change my mind?

    You have a 14-day cooling off period to change your mind. See our Returns Policy for full details and exclusions.