No credit check on our best SIM-only monthly plans

SIM-only phone contracts from £6.25 per month. No credit checks and discounts on unused data.

No credit check SIM

Simple SIM-only contracts. No credit checks.

SIM-only contracts with no credit checks? That’s SMARTY

SMARTY is the SIM-only mobile network that’s built for flexibility.

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 £6.25, 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.

Benefits of a monthly SIM-only contract with SMARTY


No credit check


Save on unused data


No minimum contract

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All plans include unlimited calls and texts

All the data you need for less

Data discount plans

Get money back for unused data

No credit check SIM

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 calls & texts

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.

Get money off data you don’t use

With SMARTY, you get credit for any data you don’t use in your data discount plan. We believe this makes us one of the fairest deals around for SIM-only contracts. How does it work?

  1. 1

    £5 is the base monthly rate included in the price for all data discount plans, offering unlimited standard UK texts and calls. The rest is for data.

  2. 2

    At the end of each month, we take any unused data you have and discount your next month’s plan - at the standard rate of £1.25 per GB, the same price it’s charged at.

  3. 3

    For example, if you’ve got 3GB of unused data, you’ll get £3.75 off your next month’s plan. We even calculate using remaining MBs, not GBs.

    This means you only ever pay for what you need.

Data add-ons

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 £1.25 per GB.

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

Contract freedom

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.

Epic 4G coverage

We’re powered by the expansive Three network, which means fast 4G or 3G for 98.3% of the UK population.

Check your coverage


Check our 4G & 3G coverage


SMARTY connects to 4G network wherever it can. SMARTY is not compatible with 2G handsets.

Check our coverage

No need to change your number


As soon as your SIM is activated you can port your number to SMARTY. You’ll just need a PAC code from your current network.

Adding data or credit


If you run out of data it’s £1.25 per GB - the same as it costs in your plan. To call an 084 or 087 number you can add credit in £5 increments. Add-ons never expire.

Check our coverage

A bit about tethering


You can tether and hot-spot all of your data with no speed restrictions.

Contacting us


The SMARTY team are available to chat online 8am to 8pm, 7 days a week (excluding Christmas and New Year’s Day Bank Holidays). To contact us click the little green icon in the bottom-right to start or go to the contact us page for further information.

Calling abroad


You can now use SMARTY to make calls to other countries from the UK. Calls and texts are taken from your cash balance. See the prices where you want to call.

Roaming & International


You can now use your SMARTY plan abroad. In the EU it works like normal. Outside the EU, or to call internationally, you need to top up your cash balance. See the prices where you’re going.

About our pricing


Everything you need to know about our: prices, discounts, offers and Add-Ons if you’re a customer of ours. See our price guide.


Find out more
  • uSwitch Award - Best Value SIM Only 2019
  • uSwitch Award - Best PAYG Network 2019

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