Skip to main content

No credit check on our best SIM-only monthly plans

  • No credit checks

  • No lengthy contract

  • No need to change your number

View our plans
uSwitch Award - Best PAYG Network Winner 2021uSwitch Award - Best Value SIM Only Winner 2020uSwitch Award - Best Value SIM Only 2019uSwitch Award - Best PAYG Network 2019

Simple SIM-only contracts.
No credit checks.

You can call it the No credit check SIM, the bad credit SIM, the no contract SIM. Whatever you want to call it, it’s SMARTY.

We’ve made it easy for anyone to get a SIM-only contract for their phone without a credit check. Our rolling monthly plans start from £6, and come with unlimited UK standard texts and calls as standard. Plus you’re free to pause or cancel at any time. No commitment, no hassle. Just simple, honest mobile.

Our plans include

  • 1 month plan, cancel anytime

  • Unlimited calls & texts(Excluding Data Only Plans)

  • Fast 5G & 4G data5G available with enabled devices

  • No credit check

  • Unrestricted tethering in the UK

  • No speed caps

  • EU RoamingUse your plan in Europe (12GB fair use limit) Learn more

  • SIM, Micro-SIM, & Nano-SIM sizes

All plans include WiFi Calling to supercharge your signal

All the data you need for less

Data discount plans

Get money back for unused data

Can I get a SMARTY SIM with bad credit?

Yes. We believe anyone should be entitled to mobile with no credit check. Because you pay upfront, we don’t need to know your credit history. And unlike the usual contract SIM deals for bad credit, we don’t tie you in or overcharge you for extra data.

Unlimited UK standard calls and texts

A bad credit rating shouldn’t hold you back. With SMARTY, you can enjoy the best bits of a pay-monthly plan and call your friends and family as much as you want.

Extra data at fair prices

Add-ons that don’t cost the earth.

You never know how much data you’re going to need. If you run out of data during the month, extra data will cost just £1 per GB.

Our data add-ons never expire, as long as you have a live, current SIM-only plan.

The flexibility of pay as you go. The benefits of a monthly contract.

Because your SIM is paid for in advance, you can enjoy your data allowance without worrying about an unexpected bill – just like regular contract deals.

But you also have the same peace of mind you get with pay as you go - no minimum term contract, the freedom to cancel at any time, and the flexibility to add more data whenever you need it.


Have more questions?

Community icon

Ask our Community  Right chevron White

Ask questions, find answers and connect with our Community

Help Centre icon

SMARTY Help Centre Right chevron White

Advice and answers from the SMARTY Team